Medicare and Medigap help in San Diego, California

San Diego has one of the largest military and veteran communities in the country, so many people turning 65 are coordinating Medicare with TRICARE For Life or VA care. Residents of North County, East County and the South Bay can also see different Advantage service areas and networks. We help San Diegans compare Medicare and Medigap choices by phone or video.

TRICARE For Life and VA coordination

Military retirees who are entitled to Part A generally must enroll in Part B to keep TRICARE For Life. VA health care is separate from Medicare, and many veterans use both. Review these rules before declining or delaying Part B.

Cross-border and regional travel

If you regularly spend time in Mexico or elsewhere, remember that Original Medicare generally does not cover care outside the U.S. Some Medigap plans include limited foreign travel emergency coverage.

Medicare Supplement (Medigap) in San Diego

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 San Diego County

Medicare Advantage and Part D plans are offered by county service area, so options in San Diego 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 San Diego address in San Diego 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

  • Do I need Part B if I have TRICARE? Most TRICARE beneficiaries who become entitled to Part A must have Part B to keep TRICARE For Life. Confirm your situation with TRICARE before making a change.
  • Does RGI Group have an office in San Diego? No. Our only office is in Austin, Texas. San Diego 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.