Speak with a licensed advisor: 1-888-414-4547
Find The Best Medicare Plans in Virginia

Talk to a Licensed Insurance Agent

(888) 414-4547

Best Medicare Plans in Virginia

Once you are 65 or are close to it, you are entitled to select your coverage options from the best Medicare plans in Virginia. Original Medicare insurance is comprised of two different parts. The first is Part A, and it is your hospital coverage, and the second is Part B or your medical insurance. Beneficiaries in Virginia are also entitled to supplement Medicare in Virginia with Medigap plans.

Enrollment Statistics for Medicare in Virginia

As of December 2018, 1,181,212 people were enrolled in Original Medicare Part A and Part B in Virginia.

Best Types of Medicare Plans in Virginia

These are the different types of health plans that Medicare beneficiaries can choose from if they want more than stand-alone health insurance coverage through Medicare Part A and Medicare Part B. The Medicare Part B premium does still have to be paid, even if you sign up for one of these plans. Most of these plans come with a monthly premium as well.

Any of these plans can help you make the most of your Medicare coverage and can help you save on out-of-pocket costs. This is not a complete description of benefits for each plan, but it can help you get a better understanding of what your health care options are.

  • Medicare Supplement Plans in Virginia: Medicare Supplement plans are also known as “Medigap plans” because they close the gap between the amount of coverage that you receive from Medicare plans in Virginia and what is left for you to pay. In other words, the supplemental plans pay a portion of the expenses that Original Medicare insurance does not pay.
  • Medicare Advantage Plans in Virginia: Virginia beneficiaries can also choose to accept their benefits through a Medicare Advantage plan or Medicare Part C. A private insurance company sells Medicare Advantage plans, and it is another way of obtaining your Medicare Part A and Part B benefits. When you choose a Medicare Advantage plan, you will have the opportunity to purchase a plan through a Health Maintenance Organization (HMO), Preferred Provider Organization  (PPO) or a Private Fee-for-Service (PFFS). These Medicare plans in Virginia give you the choice of purchasing coverage for hearing, dental, vision, and wellness services. A Medicare Advantage prescription drug plan might also be included in one of these health plans. Some plans, like HMOs, do require you to seek healthcare in a certain service area, except in certain special circumstances.
  • Medicare Prescription Drug Plans: The Medicare prescription drug plan is known as “Medicare Part D.” It is considered to be “optional coverage.” If you choose to accept Medicare Part D, it will be added to your Part A and Part B benefits. If you are signing up for a Medicare Advantage plan, you may choose a plan from the options listed above that is offering prescription drug coverage.
  • Special Needs Plans (SNP): Special Needs Plans are Medicare Advantage Plans that accept Virginia residents who have been diagnosed with one of several diseases. If you have one of the special characteristics that qualify you for these plans, you will also be able to purchase a Special Needs Plan.

Virginia beneficiaries can decide to purchase a Medigap policy, and you can do this by obtaining quotes from private insurance companies. After you have received these quotes, you will see that some companies offered to charge you lower rates than other companies. It will make it easier for you to choose the best insurance company when you compare rates, but before you do this, make sure that you compare the same type of coverage so that you can get an accurate comparison.

Medicare Plans in Virginia: Benefits and Coverage

Before you purchase a Medigap plan that supplements your Medicare in Virginia, you will want to know what the prices will be for the following:

  • Coinsurance
  • Copayments
  • Deductibles
  • Premiums

Beneficiaries of Medicare in Virginia must purchase their own supplemental plans. Even if you are married, there can only be one beneficiary on each Medigap plan.

Medicare Advantage plans are also part of Virginia Medicare. These plans are bundled to include your Part A, Part B, and Part D benefits. Medicare Advantage plans cover everything that your Original Medicare insurance covers, but you may be able to receive extra services, including dental, hearing and vision coverage.

Remember that Medicare Advantage plans and Medigap policies are incompatible. As a matter of fact, it is illegal for an insurance agent to sell you a Medigap policy if you currently have Medicare Advantage. If you decide that the best thing for you to do is access your Original Medicare benefits and purchase a Medigap policy, you must switch back to your Original Medicare insurance.

When you become eligible for Medicare plans in Virginia, you will also be eligible for a Medicare Part D prescription drug plan. If you do not obtain this coverage during the Medicare Initial Enrollment Period, you may be subject to a Medicare Part D late enrollment penalty. This penalty may not apply to you if you have creditable prescription drug coverage or you receive Extra Help from Medicare in Virginia.

Medicare Resources in Virginia

If you are eligible to supplement Virginia Medicare with Medicaid, click on the following link to find the best plan for you:


These are a few other resources that can help you:

CMS: Centers for Medicare and Medicaid Services


Virginia Medical Assistance Programs

After checking out the resources above, you might need help shopping for Medicare health plans that can help you make the most of your benefits. Give us a call today to learn more about the different plans that are out there and the companies that have the best star ratings and the most affordable monthly premiums.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547