• Skip to main content
  • Skip to secondary menu
  • Skip to footer
MedicareWire

MedicareWire

Best Medicare plan, cost, and enrollment tools for seniors.

Speak with a Licensed Advisor[1]

1-855-728-0510 (TTY 711)

Mon-Fri 8am-9pm EST, Sat 8am-8pm EST

  • Medicare Advantage
  • Medicare Part D
  • Medigap
  • Special Needs
  • More➲
    • Senior Dental Insurance
    • Medicare Mistakes
    • What Does Medicare Cover?
    • Important Resources
    • Frequently Asked Questions
    • Medicare Glossary
Medicare Part D
 » 
Virginia

Medicare Part D Plans in Virginia

We found 23 Medicare Part D Plans in Virginia.

Key Facts

  1. The average premiumA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums.  is $45.17 per month, however the lowest premium is just $7.10.
  2. The average drug plan deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share. is $369 per year, but 4 plans have a zero-dollar deductible.
  3. Medicare rated 30% of all plans available in Virginia 4 stars or higher.
  4. There are 9 basic benefit plans and 14 enhanced benefit plans.
  5. A total of 7 plans offer full low-income subsidySocial Security's Low-Income Subsidy (LIS) program helps Medicare beneficiaries pay for their Medicare Part D prescription drugs by paying some of the costs. Also known as "Extra Help", beneficiaries who qualify for LIS receive premium... (LIS) for those who qualify.
  6. There are 2 plans that have additional coverage in the coverage gap phase (aka, "donut hole").

Virginia Medicare Part D Plans

Plan Name Monthly
Premium
Annual
Deductible
Benefit Type LIS Gap
Coverage
Senior
Savings
Rating
AARP MedicareRx Preferred $97.30 $0 Enhanced No No Yes
☆☆☆☆☆
AARP MedicareRx Saver Plus $30.90 $480 Basic Yes No No
☆☆☆☆☆
AARP MedicareRx Walgreens $28.90 $310 Enhanced No No No
☆☆☆☆☆
Anthem MediBlue Rx Plus $68.50 $0 Enhanced No No No
☆☆☆☆☆
Anthem MediBlue Rx Standard $57.80 $390 Basic No No No
☆☆☆☆☆
Cigna Essential Rx $43.40 $480 Enhanced No No No
☆☆☆☆☆
Cigna Extra Rx $67.10 $100 Enhanced No Yes Yes
☆☆☆☆☆
Cigna Secure Rx $34.80 $480 Basic Yes No No
☆☆☆☆☆
Clear Spring Health Premier Rx $23.20 $480 Enhanced No No No
☆☆☆☆☆
Clear Spring Health Value Rx $28.90 $480 Basic Yes No No
☆☆☆☆☆
Elixir RxPlus $58.40 $480 Enhanced No No No
☆☆☆☆☆
Elixir RxSecure $34.50 $480 Basic Yes No No
☆☆☆☆☆
Humana Basic Rx Plan $33.00 $480 Basic Yes No No
☆☆☆☆☆
Humana Premier Rx Plan $73.20 $480 Enhanced No No Yes
☆☆☆☆☆
Humana Walmart Value Rx Plan $22.70 $480 Enhanced No No No
☆☆☆☆☆
Mutual of Omaha Rx Plus $92.80 $480 Basic No No No
☆☆☆☆☆
Mutual of Omaha Rx Premier $35.00 $480 Enhanced No No Yes
☆☆☆☆☆
SilverScript Choice $29.20 $480 Basic Yes No No
☆☆☆☆☆
SilverScript Plus $62.40 $0 Enhanced No Yes No
☆☆☆☆☆
SilverScript SmartRx $7.10 $480 Enhanced No No No
☆☆☆☆☆
Wellcare Classic $29.80 $480 Basic Yes No No
☆☆☆☆☆
Wellcare Medicare Rx Value Plus $68.30 $0 Enhanced No No No
☆☆☆☆☆
Wellcare Value Script $11.70 $480 Enhanced No No Yes
☆☆☆☆☆
If you qualify for Medicare but don't know where to begin, we have licensed agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions and help you get enrolled. There's no obligation.

Virginia Medicare Part D Plans Have Four Phases

Part D prescription drug plans help Virginia's Medicare beneficiaries pay for their prescriptions. If you're new to Medicare, you may not be familiar with how Medicare Part D out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments. work. So, let's start with the four cost-sharing phases.

The Deductible is the First Phase

Prior to a plan paying any of your prescription costs, you are required to pay the annual deductible. So, if you enroll in a 2022 plan with a $400 deductible, you'll spend $400 out-of-pocket before coverage begins. Most Part D plans have a deductible, but some plans exclude Tier 1 (generics), offering immediate coverage on low-cost medications.

Phase 2 is the Initial Coverage Limit

For 2022, the Part D Initial Coverage Limit (ICL) is $4.430. Your Part D plan will pay the bulk of your prescription cost during the ICL phase. If your costs exceed $4,430, then you will be in the coverage gap phase (aka "doughnut hole")

Phase 3 is the Coverage Gap

After your 2022 gross drug costs have reached $4,330, you will enter the Coverage GapA period of time in which you pay higher cost-sharing for prescription drugs until you spend enough to qualify for catastrophic coverage. phase. This is where you will pay 25% of your medication's retail cost. While the price of generic drugsA generic drug is a prescription medication that has the same active ingredient formula as a brand-name drug. Generic drugs usually cost less than brand-name drugs. might not be much different, what you pay for brand-name drugs will be higher (because you're paying 25% of the full price). This will continue until you reach $7,050 in True Out Of Pocket Costs (TrOOP).

Some plans offer additional gap coverage, so look for it on the plan information pages.

Phase 4 is Catastrophic Coverage

Once you've spent $7,050 out-of-pocket in 2022 you are out of the coverage gap phase and will receive catastrophic coverage. This happens automatically and ensures that you only pay a small amount for all covered drugs for the remainder of the year.

The out-of-pocket costs that help you get catastrophic coverage include:

  1. Your plan's deductible;
  2. What you paid during the initial coverage limitOnce you have met your yearly deductible, you will pay a copayment or coinsurance for each covered drug until you reach the initial coverage limit. You will then enter your plan’s coverage gap (aka, “donut... period;
  3. Most of the full cost of brand-name drugs (and the manufacturer’s discount) purchased in the coverage gap;
  4. The amount paid by others, including family members, most charities, and other persons on your behalf; and
  5. The amount paid by State Pharmaceutical Assistance Programs (SPAPs), AIDS Drug Assistance Programs, and the Indian Health Service.

Choose Your 2022 Part D Plan Wisely

Evaluate Part D Medicare plans wisely. If you have a regular prescription or two, we suggest that you verify that the plan you want offers your medication(s) at a good price. You find this information in the formularyA formulary is a list of prescription drugs covered by a prescription drug plan or another insurance plan offering prescription drug benefits. Medications not on a plan's formulary are generally not covered.. We post links to the formulary and pharmacy web pages, as well as the plan's phone number, on each of the PDP pages listed above.

CRITICAL: The best Medicare Part D Plans for you can only be determined by factoring in what you can afford, your regular prescriptions, and your health. A bit of time spent on research will pay off in the long run.

Get Your Prescriptions and More with a Medicare Advantage Plan

Medicare realizes that one type of plan does not suit everyone. That's why there are two ways to get help with your prescription drug costs. All of the Medicare prescription drug plansMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... available in Virginia work with Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage.. That's one way to get coverage. But maybe you'd like even more benefits. That's where Virginia Medicare Advantage Plans come in. Most offer Part D coverage.

Medicare Part D and Supplements Work Together

Medicare does not pay for all of your hospitalization and medical bills. In fact, Original Medicare only covers about 80 percent of your major medical costs. We keep an up-to-date directory of Virginia Medigap Plans, also called Medicare supplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage., with the tools you need to find the best price and coverage. Medicare Part D plans are fully compatible with Virginia Medigap plans.

Medicare Part D for Dual Eligible People in Virginia

In Virginia, if you are eligible for both Medicare and Medicaid (aka, "dual eligible" or "Medi-Medi") you will automatically be enrolled in a Virginia Medicare Prescription Drug Plan and the Social Security Extra Help program. Extra Help pays for most of the costs of your prescriptions if you meet the eligibility requirements. You may also enroll in a plan of your own choosing that better meets your needs. If you qualified for MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. before you were eligible for Medicare, contact your local Medicaid office.

Citations & References

  1. Medicare.gov, "How to get prescription drug coverage", Last Accessed April 28, 2022
  2. Benefits.gov, "Medicare Prescription Drug Plans", Last Accessed June 1, 2022
  3. Medicare.gov, "Medicare costs at a glance", Last Accessed June 11, 2022
  4. Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed June 7, 2022
  5. SSA.gov, "Extra Help with Medicare Prescription Drug Plan Costs", Last Accessed June 1, 2022
  6. CMS.gov, "Landscape Source Files", Last Accessed October 26, 2021
  7. CMS.gov, "Medicare Part C & D Performance", Last Accessed October 15, 2021

This Medicare Part D plan state information page was last updated on July 2, 2022.

Footer

[1] Licensed Sales Agent

Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment service provided through MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

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 (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

About MedicareWire

  • About
  • Contact
  • Code of Conduct
  • MCMG Compliance
  • Privacy
  • California Consumer Privacy
  • Disclosure
  • Personally Identifiable Health Information

Copyright © 2022 MedicareWire.com - All Rights Reserved

2022 Plan Notification

If you would like us to notify you when the 2022 Medicare Advantage and Part D prescription drug plans have been posted, enter your First Name and Email. We value your privacy. You will not be added to a marketing list (no spam!).

  • Your first name only, please.
  • Give us your best email so we can let you know when the 2022 plans have been posted.

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.