Virginia Medicare Supplement (Medigap) Plans

Virginia Medicare Supplement (Medigap) Insurance Plans

Shop 2018 Virginia Medicare Supplement Insurance Medigap plans. Our trained local Richmond, VA agents will compare plans in Virginia with all top companies to find you affordable monthly premiums. We will review the Medigap coverage plan benefits, monthly premiums to assure you’re buying the best Medicare Supplement policy for your medical needs and budget.

What is a Medicare Supplement (Medigap) Plan?

Medicare supplement insurance plan benefits are standardize and are set by the federal government. Each insurance company can then select what plan benefit structures they want to offer. That means no matter what insurance company you elect to enroll with the basic benefits are the same. Medicare Supplement insurance plans help cover costs not included in Original Medicare coverage. Original Medicare (Part A and Part B) provides coverage for many hospital and medical services, but don’t cover all cost. With Original Medicare you’re usually still responsible for cost-sharing expenses like deductibles and copayments. Expenses with Original Medicare for out-of-pocket cost can add up quickly for beneficiaries with health issues. A Medicare supplement insurance plan is designed to work alongside your Original Medicare Part A & Part B coverage to cover the cost not covered.

Medicare Supplement Plan Features

: You have a choice of plans to meet your needs and budget.

: There are no provider network restrictions, so you’re able to keep your doctor. You can go to any doctor or hospital as long as they accept Medicare patients.

: You’re covered anywhere in the U.S. when you travel.

: You may see any specialists who accepts Medicare patients without a referral.

: Standardized Medigap insurance policies are guaranteed renewable. The insurance company can’t cancel your Medigap plan even if you have health problems as long as you pay the premium.

Comparing Medicare Medigap Plans

There are 10 Medigap insurance plans to select from in Virginia. The plans are labeled with letters. Two of the most popular are Medicare Plan F and Medicare Plan G.  The best Medigap plan to select is the one that fits your budget and medical needs.

Medigap Insurance Plan F

Medicare Supplement Plan F covers 100% of all that is no covered by Orginal Medicare. This plan covers 100% of all hospital bills and 100% of doctor visits. This plan is the only Medicare Supplement Plan that offers 100% coverage for all services.

Medigap Insurance Plan G

Medicare Supplement Plan G is the plan we most often recommend. Plan G covers 100% of Part A (Hospital) expenses and only has a $183 deductible for Part B (Doctors).  The premium amount saved on Plan G usually covers the $183 deductible amount that’s covered on Plan F.

Medicare Supplement Insurance (Medigap) plans G & F detail benefits comparisons charts. Listed below is the percentage of benefits that Medigap plans G & F cover. You’re responsible for the rest.

Benefits Percentage Covered                           Plan G                      Plan F

Medicare Part A
coinsurance and hospital                                     100%                      100%
Costs (up to an additional
365 days after Medicare
Benefits are used)

Medicare Part B                                                  100%                      100%
coinsurance or copayment

Blood (first 3 pints)                                             100%                      100%

Part A hospice care                                             100%                      100%
Coinsurance or copayment

Skilled nursing facility care                                 100%                      100%

Part A deductible                                                100%                     100%

Part B deductible                                                100%                        0%

Part B excess charges                                         100%                      100%

Foreign travel emergency                                    80%                        80%
(up to plan limits)

Virginia Medicare Supplement Insurance Plans Enrollment

You’re generally eligible to enroll in a Medicare Supplement insurance plan once you’re enrolled in Medicare Part A and Part B. Most often the best time to enroll in Medicare Supplement insurance plan is during your 6 month Medigap Open Enrollment Period. This enrollment period is for one time that starts automatically you’re 65 or older and enrolled in Medicare Part B. During this 6 month period you’re guaranteed insurance coverage and can’t be turned down due to pre-existing health conditions. The insurance company can’t increase your premiums or require medical underwriting. A person can apply for a Medicare supplement insurance plan outside the 6 month guaranteed issue period, but underwriting is required.

Medigap Virginia Insurance Plans are Available in the Following Counties:

Loudoun, Culpeper, Manassas City, Prince William, Manassas Park City, Fauquier, Fairfax, Clarke, Fairfax City, Falls Church City, Stafford, Arlington, Alexandria City, Fredericksburg City, Spotsylvania, Caroline, Northumberland, Orange, Essex, Westmoreland, King George, Richmond, Lancaster, Winchester City, Frederick, Warren, Rappahannock, Shenandoah, Page, Madison, Harrisonburg City, Rockingham, Augusta, Albemarle, Charlottesville City, Nelson, Greene, Fluvanna, Waynesboro City, Gloucester, Amelia, Buckingham, Hanover, King William, New Kent, Goochland, Mathews, King And Queen, Louisa, Cumberland, Charles City, Middlesex, Henrico, James City, York, Chesterfield, Powhatan, Richmond City, Williamsburg City, Accomack, Isle Of Wight, Northampton, Chesapeake City, Suffolk City, Virginia Beach City, Norfolk City, Newport News City, Hampton City, Poquoson City, Portsmouth City, Prince George, Petersburg City, Brunswick, Dinwiddie, Nottoway, Southampton, Colonial Heights City, Surry, Greensville, Franklin City, Hopewell City, Sussex, Prince Edward, Mecklenburg, Charlotte, Lunenburg, Appomattox, Roanoke City, Roanoke, Botetourt, Patrick, Henry, Pulaski, Montgomery, Franklin, Pittsylvania, Floyd, Giles, Bedford, Martinsville City, Craig, Radford, Salem, Bristol City, Washington, Wise, Dickenson, Lee, Russell, Buchanan, Scott, Norton City, Grayson, Smyth, Wythe, Bland, Tazewell, Carroll, Galax City, Staunton City, Bath, Highland, Rockbridge, Buena Vista City, Alleghany, Covington City, Lexington City, Lynchburg City, Campbell, Halifax, Amherst, Danville City, Emporia City, Clifton Forge, South Boston City, and most rural areas not covered by health plan networks.

Medicare Supplement Insurance Companies We Represent

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