Medicare and Medigap help in Sacramento, California
As the state capital, Sacramento has many state and public-employee retirees whose CalPERS or other retiree health benefits interact with Medicare once they turn 65. Neighboring Placer, Yolo and El Dorado counties can have different Advantage service areas. We help Sacramento residents compare options by phone or video, in English or Spanish.
CalPERS and public retiree coverage
Many public retirees must enroll in Part B to stay in their retiree Medicare health plan. Leaving that plan for individual coverage can have lasting consequences, so confirm the rules with your retirement system first.
Living near county lines
Roseville, Elk Grove, Folsom and Davis sit in different counties. Your residential address, not your city name, decides which Advantage and Part D plans you can join.
Medicare Supplement (Medigap) in Sacramento
California's birthday rule lets current Medigap policyholders switch to equal or lesser benefits each year in a window starting on their birthday, without health questions. New enrollees get the federal six-month Medigap Open Enrollment Period once they are 65 and in Part B.
Medicare Advantage and Part D in Sacramento County
Medicare Advantage and Part D plans are offered by county service area, so options in Sacramento can differ from neighboring counties. The 2027 Annual Enrollment Period runs October 15 through December 7, 2026; your Initial Enrollment Period around age 65 is separate.
Help with costs
If your income and resources are limited, Medi-Cal, Medicare Savings Programs or Extra Help with Part D may apply. Eligibility is decided by the state or Social Security, not by an agent.
Questions to ask before you choose
- Is my Sacramento address in Sacramento County for plan purposes?
- Are my doctors and pharmacy in the plan's network?
- Does Medigap with Part D or a Medicare Advantage plan fit me better?
- Do I qualify for any program that lowers my costs?
Frequently asked questions
- Should CalPERS retirees buy a Medigap policy? Often a CalPERS Medicare plan already coordinates with Medicare, so a separate Medigap policy may not be needed. Review your CalPERS options first.
- Does RGI Group have an office in Sacramento? No. Our only office is in Austin, Texas. Sacramento residents are served by phone or video by an agent licensed in California.
Important notice
- Plan availability and benefits vary by county, plan, and individual circumstances. The Annual Enrollment Period (Oct 15 – Dec 7, 2026) is different from your Initial Enrollment Period around your 65th birthday and from Medigap open enrollment.
- We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (California HICAP) to get information on all of your options. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
- RGI Group is an independent insurance agency based in Austin, Texas; Rolando Gutierrez is licensed in California. We are not Medicare or CMS. Consultations are by phone or video, at no cost and with no obligation. A request is not a confirmed appointment, enrollment, or Medicare permission-to-contact or scope-of-appointment. Do not submit Medicare or Social Security numbers or medical details.
Talk with a licensed Texas agent
Call 346-888-0811. Office: 5900 Balcones Drive, Ste 100, Austin, TX 78731. Monday–Sunday, 8:00 AM–11:00 PM. Licensed in Texas. Guidance available in English and Spanish.