How to save $4,000 a year on your Medicare Insurance Plan. If you have a Medicare Supplement plan and you’re older, you’re going to pay some serious cash, $400-500 a month for your policy, even if you don’t use it. There is a Medicare Insurance PPO plan that is just $48 a month in Ca. It has great networks, great doctors, no referrals needed, it includes Dental, Prescriptions, Hearing, Vision, etc. with co-pays as low as $10.