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 QuoteVirginia 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.
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.
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 policies generally don’t cover Long-Term Care, vision or dental care, hearing aids, eyeglasses, or private-duty nursing.
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.
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.
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.
*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.
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.
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.
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.
** 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.
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.
*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.
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.
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.
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.
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.
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.
If you have any questions, our friendly insurance agents are happy to assist you.
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