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What Are Medicare Supplement Plans in Virginia?

HealthCare Writer

Updated on February 23rd, 2022

We aim to help you make informed healthcare decisions. While this post may contain links to lead generation forms, this won’t influence our writing. We follow strict editorial standards to give you the most accurate and unbiased information.

What You Need to Know

A Medicare Supplement plan can help pay healthcare expenses not covered by Original Medicare. 

You must be enrolled in Medicare Part A and B to qualify for a Medigap policy. 

You can choose from 12 Medigap policies in Virginia, including two high-deductible options.

While Original Medicare (Medicare Part A, for hospital insurance, and Part B, for outpatient services) helps to cover many healthcare expenses, you’ll still be responsible for some costs like copayments and deductibles. These expenses can quickly add up. 

A Medigap policy, also called a Medicare Supplement plan, offers additional coverage for expenses not covered by Original Medicare. Medicare Supplement Insurance, provided by private insurers, can help to reduce or eliminate out-of-pocket costs

When Can You Enroll in Medigap? 

Enrolling in a Medigap policy in Virginia is easiest during your Open Enrollment Period (OEP).1 Your six-month OEP automatically starts the month you turn 65 and are enrolled in Medicare Part B. During your OEP, you can buy any Medicare Supplement plan, even if you have a preexisting condition like diabetes. An insurance provider won’t be able to charge you more or deny you coverage because of your preexisting condition. You can also change your plan if you decide that it isn’t the right one for your needs. 

Once your Open Enrollment Period ends, enrolling in a Medigap plan becomes more complicated. An insurance provider can charge you more for coverage or deny you coverage because of a preexisting condition. Your health insurance company might require a six-month waiting period before your coverage starts. 

Considering a Medicare Supplement Plan?

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If you need to enroll in Medigap outside of your OEP, certain protections can make that easier. You may qualify for a guaranteed issue right in certain situations, like your current plan leaving Medicare.2 With a guaranteed issue right, an insurance provider must sell you a policy without charging you a higher cost or requiring other restrictions. 

During a Special Enrollment Period, you can also make changes to your Medigap policy.3 You can qualify for a Special Enrollment Period in certain situations, such as losing your current coverage or moving. The type of qualifying event you experienced will determine the types of changes you can make to your plan during the period. 

When to Enroll

The best time to sign up for a Medicare Supplement plan is during your Open Enrollment Period.

Plan TypeTotal Enrolled (Rounded)Percent of Total Enrolled
Plan F245,00055%
Plan G121,00027%
Plan N32,0007%
Source: The State of Medicare Supplement Coverage. Accessed on December 05, 2021.

In Virginia, you can choose from 12 Medicare Supplement plans, including two high-deductible plans.4 Each letter plan is the same across different insurers. Each plan offers slightly different levels of coverage, premiums, deductibles, and copayments. Carefully review each plan to decide which option is right for your needs. 

Medigap Plans F, G, and N are some of the most popular options. Note: Plan F isn’t available if you qualified for Medicare after January 1, 2020.

Medicare Supplement Plan F

Plan F offers the most comprehensive coverage and carries the highest monthly premium. It includes: 

Medicare Supplement Plan G

Plan G offers coverage similar to Plan F, but it excludes the Medicare Part B deductible: 

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Part B excess charges
  • Foreign travel emergency – 80% 

Medicare Supplement Plan N

Plan N doesn’t cover the Medicare Part B deductible or Part B excess charges, but it also has lower premiums than Plans F and G:

  • Part A coinsurance and hospital costs
  • Part B copays/coinsurance
  • Blood (first 3 pints)
  • Part A hospice
  • Skilled nursing facility
  • Part A deductible
  • Foreign travel emergency – 80%

How Do You Choose a Medicare Supplement Plan?

If you choose a Medigap policy in Virginia that covers the types of medical expenses you face most often, you’ll get the best value out of that plan. You might find that a plan with a higher premium could actually be a better choice for you if it saves you money on your most common healthcare costs. To find the plan that’s the best match for your needs, look for one that features the coverage you need with a premium that you can afford.

How Much Do Medigap Policies Cost? 

Medicare Supplement Insurance plans in Virginia vary in cost and coverage. Copayments and deductibles can vary as well. These examples reflect the premium costs for a 65-year-old female and male in Virginia that doesn’t use tobacco: 

65-Year-Old Woman, No Tobacco Use

Plan TypePremium Range
Plan F$126-$352
Plan G$97-$337
Plan N$80-$288
Source: Supplement Insurance (Medigap) plans in Virginia. Accessed December 05, 2021.

65-Year-Old Man, No Tobacco Use

Plan TypePremium Range
Plan F$143-$401
Plan G$111-$384
Plan N$91-$328
Source: Supplement Insurance (Medigap) plans in Virginia. Accessed December 05, 2021.

What Companies Sell Medigap in Virginia?

AARP – UnitedHealthcare Insurance Company
Accendo Insurance Company
American Financial Security Life Insurance Company
Anthem Blue Cross and Blue Shield
Atlantic Coast Life Insurance Company
Bankers Fidelity Life Insurance Company
Capitol Life Insurance Company
Central States Health and Life Co. of Omaha
Cigna Health & Life Insurance Company
Colonial Penn Life Insurance Company
Continental Life Insurance Company of Brentwood, Tennessee
Erie Family Life Insurance Company
Everence Association Inc.
GPM Health and Life Insurance Company
Globe Life and Accident Insurance Company
Great Southern Life Insurance Company
Guarantee Trust Life Insurance Company
Independence American Insurance Company
Lumico Life Insurance Company
Medico Insurance Company
Mutual of Omaha
National Guardian Life Insurance Company
National Health Insurance Company
Pan-American Life Insurance Company
Pekin Life Insurance Company
Physicians Life Insurance Company
State Farm Mutual Automobile Insurance Company
Transamerica Life Insurance Company
USAA Life Insurance Company
Union Security Insurance Company
United American Insurance Company
United Commercial Travelers of America
United States Fire Insurance Company

What If You Want to Change Your Medigap Policy? 

After your Medigap Open Enrollment Period has ended, it’s difficult to change your Medicare Supplement plan in Virginia because carriers can use medical underwriting to accept or deny application for coverage. The only exceptions are if have a guaranteed issue right or a Special Enrollment Period. Because it can be hard to change your policy, it’s important to research each policy and choose the one that’s right for you during your Open Enrollment Period. That way, you won’t need to change your plan later. 

Considering a Medicare Supplement Plan?

Review options now.

Considering a Medicare Supplement Plan?

Review options now.

Outside Open Enrollment

In certain situations, you can enroll or make changes outside your OEP.

What Are Alternatives to Medicare Supplement? 

If a Medicare Supplement plan in Virginia isn’t right for you, Medicare Advantage plans, also known as Medicare Part C, are another option.6 Medicare Advantage plans are offered by private insurers and must include the same basic coverage as Original Medicare. Many plans include prescription drug benefits, which aren’t included in Medigap policies. (If you need drug coverage, consider enrolling in a Medicare Part D prescription drug plan.) They also limit your annual out-of-pocket costs. However, most plans limit coverage to in-network providers. 

What Are Medicare Resources in Virginia?

  • The Virginia Insurance Counseling & Assistance Program (VICAP) offers free counseling on Medicare and long-term care insurance. VICAP counseling can also help Medicare beneficiaries find a plan and file for a healthcare appeal or grievance.7 
  • Through the Virginia State Corporation Commission, you can get information about insurance policies, locate an insurance agent, and file a complaint about your insurance.8
  • The Department of Medical Assistance Services (DMAS) administers Virginia’s Medicaid program. Through the DMAS, you can learn about Medicaid plans, and you can apply for or renew your coverage.9
  • Cover Virginia helps to connect Virginians to health insurance, providing information about Medicaid as well as other health programs. Medicaid is a federal and state program that helps pay healthcare costs for those with low income or disability. You can apply for Medicaid on the website.10

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Considering a Medicare Supplement Plan?

Review options now.

Considering a Medicare Supplement Plan?

Review options now.

Considering a Medicare Supplement Plan?

Review options now.

Next Steps 

If a Medicare Supplement plan in Virginia will best fit your health needs, take time to research the available plans. Decide what level of coverage and cost best fits your needs and your budget. That way, you’ll be able to choose the right plan when it’s time to sign up. 

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  1. U.S. Government Website for Medicare. “When Can I Buy Medigap?” (accessed February 6, 2021).

  2. U.S. Government Website for Medicare. “Guaranteed Issue Rights.” (accessed February 6, 2021).

  3. U.S. Government Website for Medicare. “Special circumstances (Special Enrollment Periods).” (accessed February 6, 2021).

  4. U.S. Government Website for Medicare. “Supplement Insurance (Medigap) plans in Virginia.” (accessed February 6, 2021).

  5. Supplement Insurance (Medigap) plans in Virginia.”

  6. U.S. Government Website for Medicare. “Medicare Advantage Plans.” (accessed February 6, 2021).

  7. Commonwealth of Virginia. “VICAP – Medicare / Prescriptions.” (accessed February 6, 2021).

  8. Commonwealth of Virginia. “State Corporation Commission.” (accessed February 6, 2021).

  9. Commonwealth of Virginia. “Department of Medical Assistance Services.” (accessed February 6, 2021).

  10. Cover Virginia. “Medicaid Programs.” (accessed February 6, 2021).