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Medicare Supplement Plans in Virginia for 2022


Medicare Supplement plans in Virginia help cover the costs Original Medicare leaves behind. Thus, these policies lower beneficiaries’ out-of-pocket costs.

Medicare Supplement plans in Virginia follow the same standardized rules as most other states. Below, we review the different options of Medicare Supplement plans in Virginia.

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What Are Medicare Supplement Plans in Virginia?

Medicare Part A and Part B do not cover 100% of the costs for beneficiaries. Medicare Supplement plans help alleviate some of these costs for enrollees. Also known as Medigap, these plans fill the gaps Original Medicare leaves behind.

There are 12 standardized Medicare Supplement plans in Virginia. Each of these plans offers different benefit levels and monthly premiums, with the more comprehensive options being higher in price. However, the benefits of each plan remain the same between carriers.

Additionally, when you enroll in a Medicare Supplement plan, you are eligible to receive care at any doctor or hospital nationwide that accepts Original Medicare regardless of the carrier.

Best Medicare Supplement Plans in Virginia

Medicare Supplement Plan F, Plan G, and Plan N are the best Medicare Supplement plans in Virginia. These three plans are considered the best for overall satisfaction, cost, and coverage level.

Medicare Supplement Plan F is the most comprehensive plan. However, only some beneficiaries can sign up for this plan. Due to MACRA, if you are new to Medicare, you are not eligible for Medigap Plan F.

If you qualify for and enroll in Medigap Plan F, you are only responsible for your monthly premium. Your plan will fully cover any out-of-pocket costs Original Medicare leaves behind.

For those not eligible for Medicare Supplement Plan F, Medicare Supplement Plan G is the best policy on the market. Additionally, this plan is quickly growing in enrollment among all Medicare beneficiaries due to its low monthly premium. When you enroll in Medigap Plan G, you are only responsible for the Medicare Part B deductible. Your policy then covers any other out-of-pocket costs.

Finally, Medicare Supplement Plan N is popular for its low premium great benefits. On Medicare Supplement Plan N, you are responsible for $20-$50 copayments and excess charges in Virginia if your doctor does not accept Medicare assignment.

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What is the Cost of Medicare Supplement Plans in Virginia?

The cost of Medicare Supplement plans in Virginia is not the same for all beneficiaries. Premium prices are based on age, sex, ZIP Code, and tobacco-use status.

65-Year-Old Female, Non-Smoking
Plan Monthly Premium
Medicare Supplement Plan F $100-$352
Medicare Supplement Plan G $88-$337
Medicare Supplement Plan N $67-$288
65-Year-Old Male, Non-Smoking
Plan Monthly Premium
Medicare Supplement Plan F $115-$401
Medicare Supplement Plan G $101-$384
Medicare Supplement Plan N $77-$328

Below is an example of premium costs for Medicare Supplement plans in Virginia.

The above costs are an example of average premiums for Virginia. However, your exact cost can vary. To accurately determine your premium costs, it is essential to work with a licensed agent who has access to multiple plans and carriers.

Additional Coverage for Medicare Beneficiaries in Virginia

Medicare Supplement plans in Virginia are not the only coverage available for Medicare beneficiaries in the state. Additional options include:

  • Medicare Part D prescription drug plans
  • Medicare Advantage plans
  • Dental, vision, and hearing plans

Medicare Part D plans help cover the cost of prescription medications. Whether or not you enroll in a Medicare Supplement plan, Medicare Part D is essential coverage for anyone with Original Medicare.

Medicare Part A, Part B, and Medigap do not cover prescription drugs, so it is critical to enroll in Medicare Part D as soon as you are eligible to avoid penalties in the future. Virginia offers several Medicare Part D plans from many carriers.

In addition to Medicare Part D, dental, vision, and hearing plans are available to Medicare beneficiaries in Virginia. As Original Medicare and Medigap also do not cover these three benefits, ancillary plans safeguard you from these holes in coverage. The policies are popular among Medicare Supplement enrollees.

Lastly, Medicare Advantage plans are an alternative to Original Medicare and Medigap for beneficiaries who wish to pay a lower monthly premium. However, you must be comfortable with higher costs at each visit to the doctor’s office.

These plans must include the same benefits as Medicare Part A and Part B. Policies often have additional benefits, like dental, vision, hearing, and prescription drug coverage. Keep in mind, beneficiaries can only enroll in Medicare Advantage or a Medigap plan. They may not enroll in both.

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FAQs About Medicare Supplement Plans in Virginia

Can you get Medigap under 65 in Virginia?
While no federal law mandates carriers to offer a Medigap policy option to those under 65 and on Medicare due to disability, some states do have this requirement. Virginia is one of those states. Often, Medigap policies are more expensive under 65, and the options companies provide are limited, so a Medicare Advantage plan may be the best choice until the beneficiary turns 65.
When can I sign up for a Medicare Supplement plan in Virginia?
You can sign up for a Medigap plan in Virginia whenever, as long as you are eligible. However, you are not guaranteed acceptance if you enroll outside your Medicare Supplement Open Enrollment Period or without a guaranteed issue right. Virginia is not one of the states offering year-round open enrollment.
How much does Medigap cost in Virginia?
Your Medicare Supplement plan premium will be different from your neighbor’s. Prices are based on plan letter, gender, age, the carrier’s rating method, tobacco-use status, and several other factors. In Virginia, you can expect the top three plans to range from about $67-$328, per the chart above.

How to Find a Medicare Supplement Plan Broker in Virginia

Finding the best option for your needs out of the 12 Medicare Supplement plan options in Virginia is essential before enrolling in coverage. Luckily, Medicare agents can help, and you do not need an agent in Virginia to find the best plan for you in the state!

At MedicareFAQ, our agents are Medicare experts who understand the need to educate clients on their benefits and costs. Call the number above or complete our online rate form to begin your free plan comparison and Medicare consultation. Our agents are ready to help you understand your Medicare coverage today!

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement, VDOI. Accessed May, 2022.
    https://scc.virginia.gov/getattachment/8be3bdf5-1aa4-4432-b8cb-cfa00a23c9ce/medsup_txt.pdf

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

2 thoughts on “Medicare Supplement Plans in Virginia for 2022

  1. I have Medicare Part D and $612. was deducted from my social security check for the year 2021. I also have Silverscrilpt through CVS and pay $350. a year. Am I paying twice for the same insurance? I never use the Silverscript insurance because there is no discount worth using. I use Good RX.

    1. Lenora, if you did not enroll in Part D when you were first eligible, the $612 Part D charge could be IRMAA or the Part D late enrollment penalty. If this is not the case, I recommend contacting your local Social Security office to find the root of this payment.

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