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Best Medicare Supplement Plans in Virginia 2021

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 Top 5 Medicare Supplement Plans in Virginia?

The best Medicare Supplement insurance plan in Virginia will not be the same for everyone. When you compare plan features, consider your anticipated medical expenses and budget.

1. Best full coverage: Medicare Plan F

Only beneficiaries eligible for Medicare coverage before January 1, 2020, not presently enrolled, have access to this plan, which covers:

  • Medicare Part A and Part B coinsurance
  • Medicare Part A deductible and Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency (80%)

2. Best comprehensive plan: Medicare Plan G

Medigap Plan G is a popular plan among Medicare beneficiaries who became eligible on January 1, 2020 or later.

  • Same coverage as Plan F less the Part B deductible
  • Good value if you have a choice between Plan F and Plan G

3. Best value: Medicare Plan N

  • Savings on premiums
  • Medicare Part B coinsurance
  • Part A deductible
  • No coverage for Medicare Part B deductible, copayments or excess charges

Copayments you have to pay under Plan N:

  • Office visits: Up to $20
  • Emergency room visits: Up to $50

4. Best savings: High-Deductible F

  • Same benefits as original Plan F
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.
  • Significantly lower monthly premiums than original Plan F

5. Best in lowest rates: High-Deductible Plan G

  • Same benefits as original Plan G
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.
  • Significantly lower monthly premiums than original Plan G

What is the best Medicare Supplement plan in Virginia in 2021?

The best Medigap plan in Virginia is the one that gives you peace of mind based on your individual needs. A licensed insurance agent can walk you through your best plan options.

What is the most popular Medicare Supplement plan in Virginia for 2021?

Since 2020, Plan G has become the most popular Medicare Supplement insurance plan in Virginia.

Which plan has the best benefits in Virginia?

For the best benefits, compare Medigap insurance Plan F and Plan G:

How do I choose the best plan?

Our Policy Guides are ready to help you choose the best plan based on your health care needs and priorities.

Which company offers the best rates?

Rates are based on your demographic, enrollment period, zip code and other factors. Our Policy Guides can provide pricing in minutes.

What is the Average Cost for a Medicare Supplement Plan in Virginia?

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.

Virginia Medigap Plan Premium Range Average Premium
Plan N $74.93 – $114.10 $93.38
Plan G $98.89 – $148.34 $116.34
Plan B $110.00 – $125.62 $117.86

Common Virginia Medicare Supplement Plan Questions:

What Private Health Insurance Companies Sell 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)

When Can I Apply For a Virginia 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

Which is better, Plan G or Plan N?

How they are the same:

  • Part A coinsurance
  • Part B coinsurance
  • Part A hospital costs up to plan limits after Medicare benefits are exhausted
  • First three pints of blood
  • Part A coinsurance or copayment for hospice care
  • Coinsurance for skilled nursing care
  • Foreign travel emergency

How they differ:

Medicare Plan Part B Copayments Part B Excess Charges
Plan G Yes Yes
Plan N You pay up to $20 for office visits and up to $50 for ER No

What is Medicare Supplement Insurance?

When you become eligible for the federal Medicare program, you can choose Original Medicare alone, Original Medicare plus one of the Medicare Supplement plans in Virginia, or Medicare Advantage. Your choice will determine your out-of-pocket costs.

  • Original Medicare alone: Basic benefits for hospital and medical expenses
  • Medicare Supplement plans in Virginia: Picks up all or part of the Original Medicare coinsurance and copayments
  • Medicare Advantage: Bundles Part A and Part B, and sometimes Part D (prescription drug plan)

Your Social Security statement will show if you have enough credits to qualify for Medicare.

Is Plan G the Best Medigap Plan in Virginia?

How much does Plan G cost?

Your premium is based on age, location and whether or not you smoke. For example, based on the following Plan G premiums for a 65-year-old nonsmoking female, the average cost is $115.74 per month.

Location Premium Range Average Premium
20111 Prince William County $98.89 – $148.34 $116.34
20135 Clarke County $96.00 – $148.34 $115.14

What is the Plan G deductible in 2021?

There is no deductible for Plan G. You are responsible for the Medicare Part B deductible, which is $203 in 2021. If you purchased prescription drug coverage, you are responsible for the Medicare Part D plan deductible as well.

What does it cover?

Related Topics

Plan G by State

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 such as Aetna, Cigna and Mutual of Omaha. 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.

State Medicare Resources

Virginia enrollment statistics

The population of Virginia in 2017 was 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.

In 2015, 368,473 people were enrolled in Medicare Supplement insurance plans in Virginia, or approximately 28 percent of all Medicare beneficiaries.

The five most popular Medigap plans in Virginia and the number of beneficiaries enrolled in each are:

•    Plan F 262,932

•    Plan G 43,581

•    Plan N 27,475

•    Plan C 9,210

•    Plan B 3,547

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.

Key Take Aways
  • There are 10 Medicare Supplement Plans in Virginia to choose from.
  • In Virginia, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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