Health insurance & Medicare · San Francisco, CA (San Francisco County)
Medicare Advantage, Supplement & Part D Plans in San Francisco, California
2.4% of adults in San Francisco are veterans, below the U.S. share of 6.1%. Side-by-side help with Medicare Advantage, Medicare Supplement (Medigap) and Part D prescription drug plans, whether you are turning 65, retiring from an employer plan, or reviewing your plan during the Annual Enrollment Period. Olive, a licensed agent with Manna Financial Services, helps San Francisco, CA households compare Medicare plans by phone or video, and the first conversation is free.
San Francisco by the numbers
- 2.4% of adults in San Francisco are veterans, below the U.S. share of 6.1%.
- 17.5% of San Francisco residents are 65 or older, about 146,400 people, about the same as the U.S. average of 17.7%; that is the 2nd-highest share of residents 65 and older of the 13 West U.S. communities on this site.
- About 101,200 San Francisco residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
- 12.4% of San Francisco workers have government jobs, below the U.S. share of 14.1%.
San Francisco and nearby communities
| Place | 65 or older | Median age | Veterans |
|---|---|---|---|
| San Francisco | 17.5% | 39.2 | 2.4% |
| Los Angeles | 14.8% | 37 | 2.3% |
| Phoenix | 12.6% | 35 | 5.5% |
| San Diego | 15.1% | 36.4 | 7.9% |
| U.S. | 17.7% | 39.1 | 6.1% |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with Medicare plans
- Turning 65: timing for Parts A, B and D to avoid late-enrollment penalties
- Medicare Advantage vs Medicare Supplement, explained side by side
- Prescription check against each plan's drug list
- Annual review during the October 15 to December 7 enrollment period
Rules that apply in California
- Your Initial Enrollment Period is the seven months around your 65th birthday: three months before, your birthday month and three months after.
- The Medicare Annual Enrollment Period runs October 15 to December 7 for coverage that starts January 1.
- Medicare Supplement open enrollment lasts six months, starting the month you are 65 or older and enrolled in Part B. During it, insurers cannot turn you down for health reasons.
- For free, unbiased counseling, residents can contact their local State Health Insurance Assistance Program (SHIP) or call 1-800-MEDICARE.
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Manna Financial Services is not connected with or endorsed by the U.S. government or the federal Medicare program.
Questions from San Francisco
When can I change my Medicare plan?
During the Annual Enrollment Period, October 15 to December 7, for coverage starting January 1. If you are in a Medicare Advantage plan, the Medicare Advantage Open Enrollment Period from January 1 to March 31 allows one change. Some life events create Special Enrollment Periods.
Do I need to visit an office in San Francisco?
No. Olive works with San Francisco and San Francisco County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Medicare Advantage, Supplement & Part D Plans near San Francisco
Talk with Olive about Medicare plans.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.