What Is The Best Medicare Plan In California? 
California has a lot of good Medicare plans , and there is surely one that is `` best '' for you . Medicare insurance rates vary greatly by age , tobacco use , zip code and plan design . The older you are the higher your Medicare supplement rate will be . The exception is for those who are under age 65 and on disability and Medicare . In most states rates for under age 65 are astronomical . Tobacco use often adds 20 % to the rate but can be more , depending on the carrier . Online sites offering instant Medicare plan rates can be helpful but if you want the lowest rates you need to talk to an independent Medicare agent . 