Medicare Supplement (Medigap) Plans in Virginia
Compare Medigap plans available in Virginia. Review Plan F vs G vs N, average premiums, top carriers, and how to choose the right supplement plan to pair with your Original Medicare coverage.
Plan G
Most Popular Plan
$150
Avg Plan G Premium/mo
8
Plan Types Available
10+
Insurance Carriers
Medigap Plans in Virginia: Overview
Medicare Supplement (Medigap) insurance in Virginia helps cover the out-of-pocket costs that Original Medicare leaves behind, including deductibles, copayments, and coinsurance. Unlike Medicare Advantage, Medigap works alongside Original Medicare and allows you to see any doctor or hospital that accepts Medicare anywhere in the country.
Medigap plans in Virginia are standardized by the federal government, meaning Plan G from one company offers the same benefits as Plan G from another company. The difference is in the premium, customer service, and pricing method used. With average Plan G premiums starting around $150 per month in Virginia, comparing quotes from multiple insurers can save you hundreds of dollars per year.
Plan F vs. Plan G vs. Plan N in Virginia
| Feature | Plan F | Plan G | Plan N |
|---|---|---|---|
| Part A Deductible | Covered | Covered | Covered |
| Part B Deductible | Covered | Not Covered | Not Covered |
| Part B Coinsurance | 100% | 100% | Copays* |
| Part B Excess Charges | Covered | Covered | Not Covered |
| SNF Coinsurance | Covered | Covered | Covered |
| Foreign Travel Emergency | Covered | Covered | Covered |
| Availability | Pre-2020 only | All enrollees | All enrollees |
| Avg Premium in VA | $180/mo | $150/mo | $113/mo |
*Plan N charges copays of up to $20 for office visits and up to $50 for ER visits that do not result in admission.
Top Medigap Carriers in Virginia
Several major insurance companies offer Medigap plans in Virginia. Since all Plan G policies offer identical coverage regardless of carrier, the key differentiators are premium pricing, customer service quality, and the insurer's financial stability.
Medigap Open Enrollment in Virginia
Your Medigap Open Enrollment Period is the most important window for purchasing a supplement plan in Virginia. This 6-month period begins the first month you are both 65 or older and enrolled in Medicare Part B.
During this window, Virginia insurers cannot deny you a Medigap policy, charge you more due to pre-existing health conditions, or make you wait for coverage to start. This is a one-time guaranteed issue right that you do not want to miss.
After your Open Enrollment Period ends, Virginia insurers can use medical underwriting when you apply for Medigap. This means they may decline your application or charge significantly higher premiums based on your health history.
Related Resources
Frequently Asked Questions
What is the most popular Medigap plan in Virginia?
Plan G is the most popular Medigap plan in Virginia. For new enrollees (eligible after January 1, 2020), Plan G is the most comprehensive option available, covering all Medicare cost-sharing except the annual Part B deductible of $257.
How much does Medigap cost in Virginia?
Average Medigap Plan G premiums in Virginia start around $150 per month, though prices vary by insurer, age, gender, tobacco use, and county. Shopping multiple carriers is essential since the same Plan G can vary by $100+ per month between companies.
Who sells Medigap plans in Virginia?
Major Medigap providers in Virginia include Mutual of Omaha, AARP/UnitedHealthcare, Cigna, Aetna, and various Blue Cross Blue Shield companies. Availability and pricing vary, so comparing quotes from multiple insurers is recommended.
When is the best time to buy Medigap in Virginia?
The best time is during your Medigap Open Enrollment Period — the 6-month window beginning when you are both 65 or older and enrolled in Medicare Part B. During this period, insurers in Virginia cannot deny coverage or charge more based on health conditions.
Can I switch Medigap plans in Virginia?
You can apply to switch Medigap plans in Virginia at any time, but outside your Open Enrollment Period, insurers may use medical underwriting and could deny your application or charge higher premiums. Some states offer additional switching protections.
Disclaimer: Plan availability, benefits, and premiums vary by location. Contact Medicare.gov or 1-800-MEDICARE for complete information. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.