Virginia Medicare Supplement Insurance Plans

Get Free Instant Online Quotes for Virginia Medicare Supplement Insurance Plans. Shop and Compare several top rated companies to get the best Medicare Supplement plan premiums available on the current market. Our local Richmond, Virginia agents will find you an affordable Medicare supplement insurance plan that will meet your needs and budget. We can take your application by phone in a matter of minutes, so we can assist you no matter where you live in Virginia. You can apply for a Virginia Medicare supplement insurance plan at any time of the year, so don’t hesiate to contact to see if you can reduce your current policy premiums. By federal law it’s the same exact premium to buy your Virginia Medicare supplement insurance plan from us as it’s if you purchased directly from the insurance company. We provide all quotes and plan comparisons free of charge with no obligation to purchase.

Get A Live Quote

What is a Medicare Supplement Insurance Plan?

Virginia Medicare supplement (medigap) insurance plans benefits are standardized 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. Some Medigap policies also cover services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S.

What is a Medicare Medigap Insurance Plan?

A Medigap insurance plan and a Medicare supplement insurance plan are one in the same. The plans are just referred to by two different names. So, when you see the word Medigap insurance plan it is the same thing as a Medicare supplement insurance plan.

Virginia Medicare Supplement Insurance Plan Features

8 Things to Know about Medigap Insurance Policies 

  1. You must have Medicare Part A and Part B to be eligible to enroll in a Medicare Supplement policy.
  2. A Medicare Supplement (Medigap) policy is different from a Medicare Advantage Plan.  Those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits.
  3. You pay the private insurance company a monthly premium for your Medigap policy. You pay this monthly premium in addition to the monthly Part B premium that you pay to Medicare.
  4. A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
  5. You can buy a Medigap policy from any insurance company that’s licensed in your state to sell one.

6.   Any standardized Medigap policy is guaranteed renewable even if you have health problems. This means the insurance company can’t cancel your Medigap policy as long as you pay the premium.

7.   Some Medigap policies sold in the past cover prescription drugs. But, Medigap policies sold after January 1, 2006 aren’t allowed to include prescription drug coverage. If you want prescription drug coverage, you can join a Medicare Prescription Drug Plan (Part D). If you buy Medigap and a Medicare drug plan from the same company, you may need to make 2 separate premium payments. Contact the company to find out how to pay your premiums.

8.   It’s illegal for anyone to sell you a Medigap policy if you have a Medicare Advantage Plan, unless you’re switching back to Original Medicare.

Medigap Supplement Insurance Policies don’t Cover Everything

Medigap policies generally don’t cover Long-Term Care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Medicare Supplement Insurance Plans – Enrollment Periods

In Virginia, you are eligible to enroll in a Medicare Supplement Insurance policy once you have enrolled in Medicare Part A and Part B. A person can apply for Virginia Medicare Supplement Insurance plans at any time during the year. Although generally the best time to enroll in a Medicare Supplement insurance plan is during your open enrollment period. This is a one time period that starts automatically once you’re 65 or older and enrolled in Medicare Part B. During your open enrollment period you are guaranteed a Virginia Medicare Supplement Insurance plan. You cannot be denied coverage during this period due to a pre-existing health condition. The insurance company cannot charge you a higher premium or require underwriting.

Do you Understanding how the Medicare Program Works?

Although 86% of eligible seniors are currently enrolled or are planning on enrolling in Medicare, 72% of them say they don’t fully understand how the program works according to a survey from the National Retirement Institute and the Harris Poll. Not understanding how Medicare works can be a very expensive mistake. Healthcare is the biggest expense seniors face during retirement. The average 65-year couple is expected to spend approximately $280,000 on healthcare cost, according to Fidelity Investments. If you don’t fully understand how Medicare works contact us to schedule a private phone call with to get a better understanding of your Virginia Medicare Supplement insurance plans options to avoid draining your retirement savings.

There are 12 Medicare Supplement Insurance Plan Designs offered in 2021

Here are the 12 Medigap Plan Highlights

Medicare Supplement Insurance (Medigap) Plan G details ** Most Popular Plan**

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$96 – $593*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

$0

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan F details

*This plan isn’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. Contact us to learn more about who can buy this plan.

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$124 – $767*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$0

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

$0

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan N details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$78 – $490*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services with some 

$20 and $50 copays

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan A details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$72 – $961*

Hospital (Part A) deductible

$1,484

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

All costs

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan B details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$99 – $1,095*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

All costs

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with thier Medigap policy.

Medicare Supplement Insurance (Medigap) Plan C details

** This plan isn’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. Contact us to learn more about who can buy this plan.

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$123 – $417*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$0

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan D details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$112 – $230*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Supplement Insurance (Medigap) Plan F-high deductible details

*This plan isn’t available if you turned 65 on or after January 1, 2020, and to some people under age 65. Contact us to learn more about who can buy this plan.

The information shown is an estimate. Contact us for each individual company’s plan benefit details.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$31 – $142*

Plan deductible

$2,370

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$0

Part B copays/coinsurance

$0 Generally your cost for approved Part B services after you pay $2,370 deductible

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

$0

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan G-high deductible details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$31 – $138*

Plan deductible

$2,370

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services after you pay $2,370 deductible

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

$0

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan K details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$41 – $176*

Hospital (Part A) deductible

$742 (50% of Part A deductible)

Medical (Part B) deductible

$203

Part B copays/coinsurance

10% Generally your cost for approved Part B services up to $6,220. Then, you’ll pay $0 for the rest of the year.

Part B maximum you pay

$6,220

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

50% of Medicare copay/coinsurance

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

All costs above Medicare-approved amounts

Part B excess charges

All costs (and they do not count toward annual out-of-pocket limit of $6,220)

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

All costs

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan L details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$69 – $316*

Hospital (Part A) deductible

$371 (25% of Part A deductible)

Medical (Part B) deductible

$203

Part B copays/coinsurance

5% Generally your cost for approved Part B services up to $3,110. Then, you’ll pay $0 for the rest of the year.

Part B maximum you pay

$3,110

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

25% of Medicare copay/coinsurance

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

All costs above Medicare-approved amounts

Part B excess charges

All costs (and they do not count toward annual out-of-pocket limit of $3,110)

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

All costs

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Medicare Supplement Insurance (Medigap) Plan M details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$100 – $380*

Hospital (Part A) deductible

$742 (50% of Part A deductible)

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

Supplement Insurance (Medigap) Plan N details

The information shown is an estimate. Contact us for each individual company’s plan benefit details and monthly premium cost.

GENERAL COSTS

What you will pay

Monthly cost (premium)

$78 – $490*

Hospital (Part A) deductible

$0

Medical (Part B) deductible

$203

Part B copays/coinsurance

$0 Generally your cost for approved Part B services with some 

$20 and $50 copays

Footnote *

Doesn’t include the standard Part B premium for $148.50 each month.

*

COVERED SERVICES

What you will pay for Part A services

Hospital stays

lifetime reserve days

Skilled nursing facility (for Medicare-covered stays)

Blood (during a hospital stay)

Hospice care

$0

What you will pay for 

Part A & B services

Home health care (for Medicare-approved services)

$0

Durable medical equipment (covered by Medicare)

What you will pay for Part B services

Covered Part B services

Preventive services

$0 Generally for most preventive services Medicare covers

Part B excess charges

All costs

Blood (outside a hospital stay)

Tests for diagnostic services

$0

Footnote

Note: Although the Part B deductible of $203 appears more than once, you only pay it one time each year.

Extra benefits – not covered by Medicare

Foreign travel emergency

Footnote

Note: Policies may include additional benefits not listed here. Contact us to find out what additional benefits, if any, each company offers with their Virginia Medicare Supplement Insurance Plans.

We will shop Virginia Medicare Supplement Insurance Plans and provide quotes free of charge with no obligation to purchase. If there’s a certain Medicare company you would like quoted, but don’t see them listed above it’s a good chance we represent them, but are not allowed to display their logo or name. We represent all types of Virginia Medicare insurance plans, so please contact us to speak with a licensed agent if you would like more information. 

Start Saving Now!

If you have any questions, our friendly insurance agents are happy to assist you.

Get In Touch