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Medicare Supplement Plans in Virginia

If you are looking for the best Medicare Supplement insurance plan in Virginia, you have 10 plans to choose from. You must be enrolled in Medicare Part A and Medicare Part B to qualify. Each of the 10 plans is standardized, meaning that no matter which insurance company you purchase from or where you might live — from Richmond to Norfolk and elsewhere in the United States — you get the same coverage. However, rates are set by each company.

Each Virginia Medicare Supplement plan offers a different level of coverage to help with healthcare costs, from paying coinsurance and copayments not covered under Original Medicare insurance to paying Medicare Part B deductibles and medical expenses incurred while traveling abroad. You can purchase a Medicare Supplement insurance plan from a state-authorized Medicare insurance company or through your last employer who offers Medigap insurance as part of a retiree health plan program.

What are the Best Medicare Supplement Plans in Virginia?

#1. Medicare Supplement Plan F:

Medigap Plan F in Virginia, which is available both as a standard and high deductible plan, is the most popular of the Medicare Supplement plan options.

  • Medicare Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

#2. Medicare Supplement Plan G:

Another plan that offers a lot of coverage and that greatly reduces out-of-pocket costs is Medigap Plan G. It has the second most robust benefits, behind only Plan F. It’s a cheaper Medicare plan that offers great coverage.

  • Does NOT cover Medicare Part B deductible

#3. Medicare Supplement Plan N:

You may want a plan with a cheaper monthly premium, but you might not feel like a base-level plan like Plan A is going to offer enough coverage. Medigap Plan N is a great compromise. It offers more benefits than Plan A but not as much as Plan G or Plan F. It’s an affordable plan for most but does require some cost-sharing.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

#4. Best in lowest rates: High-Deductible Plan G

  • Same benefits as original Plan G
  • In 2022, the deductible is $2,490. Once you satisfy this deductible, the plan will cover 100% of the costs.
  • Significantly lower monthly premiums than original Plan G

Virginia Medigap enrollment by plan:

•    Plan F 223,307

•    Plan G 149,844

•    Plan N 32,617

•    Plan C 5,564

•    Plan B 2,057

Because each lettered Medigap policy offers different benefits and has different rates for premiums, it is important to compare them to find the best Medicare Supplement plan in Virginia that meets your needs.

How much does a Medicare Supplement Plan in Virginia Cost?

Here are sample rates for a 65-year-old nonsmoking female living in Loudoun County, zip code 20101. The average monthly cost using this sample is about $109 for 2022.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$142.00 - $253.00
Plan G$98.89 - $148.34
Plan N$142.00 - $253.00

How do I Enroll in a Medicare Supplement Plan?

Unlike Medicare Advantage and Medicare Part D plans, there are no annual enrollment periods. Apply for Medicare Supplement insurance plans during your Medigap Open Enrollment Period, which is:

  • The six-month period starting with the first day of your birthday month when you turn 65 or older AND
  • Your enrollment in Medicare Part B

After your Medigap Open Enrollment Period, an insurer can decline your application or charge a higher premium for your insurance policy.

Guaranteed Issue Rights

When you have guaranteed issue rights, the Medicare insurance company is required to:

  • Offer you a Medigap policy
  • Cover pre-existing conditions
  • Refrain from charging you more because you have a health condition

What Companies offers Medigap Plans in Virginia?

Following are private insurance companies selling Medigap policies in Virginia. This list includes A.M. Best ratings for financial strength:

  • Aetna: A (excellent)
  • Anthem Blue Cross and Blue Shield Virginia: A (excellent)
  • Omaha Insurance Company: A+ (superior)

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics

State Medicare Resources

Virginia enrollment statistics

The population of Virginia is more than 8,365,952 people. Of the 95 counties in Virginia, the five with the highest population are:

•    Fairfax: 1,142,004

•    Prince William:    450,763

•    Loudon: 374,558

•    Chesterfield: 335,594

•    Henrico:    324,073

Approximately 13 percent of the population is 65 years and older. More than 1,181,212 Virginians were enrolled in Medicare Part A and Part B at the end of 2018. Approximately 85 percent were enrolled because of age and 15 percent because of disabilities. Virginia ranks 13th nationwide in the amount of Medicare spending by state, at $12,686 million. It ranks 33rd in amount the spent per beneficiary, at $9,677.

More than 443,668 people are enrolled in Medicare Supplement insurance plans in Virginia or approximately 28 percent of all Medicare beneficiaries.

Key Take Aways
  • There is no deductible for Medigap Plan G.
  • In Virginia, more then 43,581 are enrolled in Medigap Plan G in 2022.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted.
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