Compare the Best Medigap Plans in Virginia for 2024

Virginia residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in Virginia. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.

This page highlights the top Virginia Medicare Supplement and insurance companies for 2024.

Top 3 Best Medigap Plans in Virginia for Comprehensive Coverage

Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Virginia. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.

Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Virginia.

Medigap Plan F in Virginia

Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.

Required Benefits of Plan F in Virginia

Medigap Plan G in Virginia

For those looking for extensive coverage without the higher premiums of Plan F, Medicare Supplement Plan G is an excellent coverage option. The only significant gap is the Medicare Part B deductible, which many find acceptable in exchange for lower monthly costs. Discover the pros and cons of choosing Plan G.

Required Benefits of Plan G in Virginia

Medigap Plan N in Virginia

Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.

Required Benefits of Plan N in Virginia

Average Costs for Medigap Plans in Virginia

In Virginia, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Factors That Impact Medigap Plan Costs in Virginia

The price of Medicare Supplements in Virginia can vary based on several important factors, including:

• Age: Premiums often rise as you age.
• Gender: Women may find that their premiums are slightly lower than men’s.
• Tobacco Use: Using tobacco typically leads to higher premiums.
• Location: Your location in Virginia can impact your premium due to regional cost differences.

Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.

Compare All Medicare Supplement Plans in Virginia

If you want to see how all Medicare Supplement Insurance plans sold in Virginia stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Virginia and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Virginia

Enrolling in a Medigap plan in Virginia requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

If you're ready to get Medicare Supplement coverage, here are the steps to get started:

1. Review Your Options: Take a look at the Medigap plans available in Virginia and find the one that fits your healthcare needs and budget.
2. Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
4. Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.

For more details on Medigap enrollment, visit our Medigap Enrollment Guide.

Common Questions About Medigap Plans in Virginia

What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.

Is it possible to switch Medigap plans?

Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.

Do Medigap plans cover medications?

No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.

What out-of-pocket expenses should I expect with Medigap?

You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023