Shop 2021 Virginia Medicare Supplement Insurance Plans with your local Richmond, VA agent. With so many choices to make when signing up for Medicare Insurance, we want to make the process of choosing the right policy as easy as possible. Get A Live quote below by simply enter your zip code, age, and gender to receive premium details and a list of the companies available in your area. For more details about extra benefits plans offer if any in your quote and to see if you qualify for a discount contact one of our Medicare agents. You can apply for a Virginia Medicare supplement insurance plan at any time of the year, so don’t hesiate to see if you can reduce your current policy premiums.
Click on the Get A Live Quote Link Below to see what you could be saving on your Virginia Medicare Supplement Plan
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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
- Choice of plans to fit your budget and medical needs
- Policies are guaranteed for life. Premiums are subject to change, but any change will apply to all members of your plan.
- You can see specialists without having to get a referral.
- There are no networks and you can see any doctor or hospital who accepts Medicare patients.
8 Things to Know about Medigap Insurance Policies
- You must have Medicare Part A and Part B to be eligible to enroll in a Medicare Supplement policy.
- 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.
- 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.
- A Medigap policy only covers one person. If you and your spouse both want Medigap coverage, you’ll each have to buy separate policies.
- 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.
Medicare Supplement (Medigap) Comparison Chart for Plans Purchased On or After January 1, 2021
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
$0
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $0
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $0
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
$0
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
Tests for diagnostic services
$0
Extra benefits – not covered by Medicare
Foreign travel emergency
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: Up to $20 per office visit and up to $50 per emergency room visit. You won’t have to pay the $50 copay if you’re admitted to any hospital and the emergency visit is covered under Medicare Part A.
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $1,484 (Part A deductible)
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $185.50 per day
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $185.50 per day
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $0
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $0
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
Tests for diagnostic services
$0
Extra benefits – not covered by Medicare
Foreign travel emergency
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $0
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $0
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
$0
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
Tests for diagnostic services
$0
Extra benefits – not covered by Medicare
Foreign travel emergency
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
$0
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $742 (Part A deductible)
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $92.75 per day
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: 50% of cost
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: 10% of cost
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: Generally 10% until you pay a total of $6,220. Then, you’ll pay $0 for the rest of the year.
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)
- First 3 pints: 50% of cost
- After 3 pints: $203 (Part B deductible), then generally 10%
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
- Days 1-60: $371 (Part A deductible)
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $45.63 per day
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: 25% of cost
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: 5% of cost
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: Generally 5% until you pay a total of $3,110. Then, you’ll pay $0 for the rest of the year.
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)
- First 3 pints: 25% of cost
- After 3 pints: $203 (Part B deductible), then generally 5%
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
- Days 1-60: $742 (Part A deductible)
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: $0
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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
- Days 1-60: $0
- Days 61-90: $0
- Days 91-150: $0 while using your 60
lifetime reserve days
- Additional 365 days: $0 for Medicare-eligible services
- After the additional 365 days: All costs
Skilled nursing facility (for Medicare-covered stays)
- Day 1-20: $0
- Days 21-100: $0
- After 100 days: All costs
Blood (during a hospital stay)
- First 3 pints: $0
- After 3 pints: $0
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)
- First: $203 (Part B deductible)
- Then: $0
What you will pay for Part B services
Covered Part B services
- First: $203 (Part B deductible)
- Then: Up to $20 per office visit and up to $50 per emergency room visit. You won’t have to pay the $50 copay if you’re admitted to any hospital and the emergency visit is covered under Medicare Part A.
Preventive services
$0 Generally for most preventive services Medicare covers
Part B excess charges
All costs
Blood (outside a hospital stay)
- First 3 pints: $0
- After 3 pints: $203 (Part B deductible), then $0
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
- First: $250
- Then: 20% and amounts over the $50,000 lifetime maximum
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 Insurance Companies We Represent
Note: We’re not allowed to display some companies logo, so if you don’t see a company listed you are looking to get a quote for there’s a good chance that we do sell their Medicare 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.
