Virginia Medicare Supplement (Medigap) Plans

Virginia Medicare Supplement (Medigap) Insurance Plans:

Shop 2020 Virginia Medicare Supplement (Medigap) Insurance plans. Our trained local Richmond, VA agents will compare Medicare supplement 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 Virginia Medicare Supplement insurance plan for your medical needs and budget. We can take most applications right over the phone, so no matter where you’re located in Virginia, we can assist you. If you’re already enrolled in a Medicare supplement plan you can change policies at any time of the year, so don’t hesitate to contact us to see if you can reduce your premium. We provide all quotes and reviews free of charge with no obligation to purchase. By federal law you’re not charged any extra fees or premium to use us as your Medicare insurance broker. The policy prices are the same amount no matter if you purchase your supplement plan directly from the insurance company or us. 

How Much Do You Know About Medicare?

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 schedule a private phone call with to get a better understanding of your Medicare plan options to avoid draining your retirement savings.

What is a Medicare Supplement Insurance Plan?

Virginia Medicare supplement (medigap) 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.

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:

: 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 that accepts 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.

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

Comparing Medicare Supplement Insurance Plans:

Important Note: This plan is not available if you’re new to Medicare on or after January 1, 2020

Medigap Plan F – High Deductible

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0 (after deductible)
Medical (Part B) coinsurance
After you pay a $2,340 deductible, this plan generally covers 100% of the costs of Part B services.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood First 3 pints: $0
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then $0
Excess charges (above Medicare-approved amounts)
$0
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

Medigap Plan K

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
10%
Medical (Part B) coinsurance
You generally pay 10% of the costs of Part B services. After your costs reach $5,880, this plan generally pays 100% of Part B services.
$704
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
Hospital stays
Days 1-60: $704
Days 61-90: $0
Days 91-150: $0 while using your 60 lifetime reserve days
Additional 365 days: $0 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $88 per day
After 100 days: All costs
Hospice care
$0 for hospice care, $2.50 copayment for prescription drugs, 2.5% for inpatient respite care
Part A & Part B coinsurance
Blood
First 3 pints: 50%
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then Generally 10% of Medicare-approved services and supplies
Excess charges (above Medicare-approved amounts)
All Costs Tests for diagnostic services
$0
Foreign travel emergency
All costs
Routine check-ups and screening tests
$0

Medigap Plan L

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
5%
Medical (Part B) coinsurance
You generally pay 5% of the costs of Part B services. After your costs reach $2,940, this plan generally pays 100% of medical costs Medicare doesn’t pay.
$352
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
Hospital stays
Days 1-60: $352
Days 61-90: $0
Days 91-150: $0 while using your 60 lifetime reserve days
Additional 365 days: $0 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $44 per day
After 100 days: All costs
Hospice care
$0 for hospice care, $1.25 copayment for prescription drugs, 1.25% for inpatient respite care
Part A & Part B coinsurance
Blood
First 3 pints: 25%
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then Generally 5% for Medicare-approved services and supplies
Excess charges (above Medicare-approved amounts)
All Costs

Tests for diagnostic services
$0
Foreign travel emergency
All costs
Routine check-ups and screening tests
$0

Medigap Plan A

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$1408
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
Hospital stays
Days 1-60: $1408 (Part A Deductible)
Days 61-90: $0
Days 91-150: $0 while using your 60 lifetime reserve days
Additional 365 days: $0 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $176 per day
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then $0
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
All costs
Routine check-ups and screening tests
$0

Medigap Plan N

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
With this plan, you pay $20 for some office visits and $50 for emergency services that don’t result in hospital admission. Other Part B costs are generally covered at 100%.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
$198 (Part B Deductible), Up to $20 copay for some doctor’s office visits and an up to $50 copay for ER visits that don’t end in an admission
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

Medigap Plan B

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $176 per day
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then $0
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
All costs
Routine check-ups and screening tests
$0

Medigap Plan G

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then $0
Excess charges (above Medicare-approved amounts)
$0
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

Medigap Plan M

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$704
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
Hospital stays
Days 1-60: $704
Days 61-90: $0
Days 91-150: $0 while using your 60 lifetime reserve days
Additional 365 days: $0 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
$198 (Part B Deductible)
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

Medigap Plan D

$198
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
First: $198 (Part B deductible), Then $0
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

• IMPORTANT NOTE for Medigap Plan C & Plan F :

These plans are not available if you’re new to Medicare on or after January 1, 2020.
Access to plans C & F after January 1, 2020
Starting January 1, 2020, Medigap plans sold to people new to Medicare are no longer allowed to cover the Part B deductible. Because of this, Plans C and F aren’t available if you’re new to Medicare on or after January 1, 2020.
o If you already have either of these two plans (or the high deductible version of Plan F) or are covered by one of these plans prior to January 1, 2020, you’ll be able to keep your plan. If you were eligible for Medicare before January 1, 2020 but no yet enrolled, you may be able to buy one of these plans.
o People new to Medicare are those who turn 65 on or after January 1, 2020, and those who first become eligible for Medicare benefits due to age, disability, or End-Stage Renal Disease on or after January 1, 2020.

Medigap Plan C

$0
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
$0
Excess charges (above Medicare-approved amounts)
All costs
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

Medigap Plan F

$0
Medical (Part B) deductible
You pay this amount for medical care before your plan pays its share.
$0
Medical (Part B) coinsurance
This plan generally covers the 20% of medical costs Medicare doesn’t pay.
$0
Hospital (Part A) deductible
You pay this amount each time you’re admitted to the hospital per benefit period.

What you pay for covered services
Part A coinsurance
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 of Medicare-approved expenses
After the additional 365 days: All costs
Skilled nursing facility coinsurance (for Medicare-covered stays)
Days 1-20: $0
Days 21-100: $0
After 100 days: All costs
Hospice care
$0
Part A & Part B coinsurance
Blood
First 3 pints: $0
After 3 pints: $0
Covered medical services
$0
Excess charges (above Medicare-approved amounts)
$0
Tests for diagnostic services
$0
Foreign travel emergency
First: $250 deductible, Then 20% up to the lifetime maximum of $50,000. You pay 100% after the $50,000 maximum is met.
Routine check-ups and screening tests
$0

 

Medicare Supplement Plan F and Plan G Facts:

Plans F and G are the only Medicare Supplement insurance plans that cover costs known as Medicare Part B excess charges. An excess charge is the difference between what a doctor or provider charges and the amount Medicare will pay.

Medicare Supplement Insurance Plan Enrollment Eligibility:

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. You can apply for a Medicare supplement insurance plan outside the 6 month guaranteed issue period, but underwriting will be required.

Please find below the Official U.S. Government Medicare & You Handbook:

2020 Medicare & You Handbook

Medicare Supplement Insurance Companies We Represent in Virginia:

Virginia Medicare supplement (medigap) insurance plans

Aetna Medicare Supplement Insurance Plans in Virginia

 

Virginia medicare supplement (medigap) insurance plans

Anthem Virginia Medicare Supplement Plans Authorized Agent

 

Virginia medicare supplement (medigap) insurance plans

Cigna Virginia Medicare Supplement Insurance Plan G

 

Virginia medicare supplement (medigap) insurance plans

Humana Virginia Medicare Supplement Plans

 

Virginia medicare supplement (medigap) insurance plans

Medico Medicare Insurance Plans Richmond Virginia

 

Virginia Medicare Supplement (medigap) insurance plans

Mutual of Omaha Medicare Supplement Plan F Richmond Virginia

 

Virginia medicare supplement (medigap) insurance plans

Optima Health Medicare Plans

 

Virginia MedicareSupplement (Medigap) Insurance Plans Agent

Pekin Medicare Supplement Insurance Plan F Richmond Virginia

 

transamerica medicare supplement plans, richmond va, richmond virginia, richmond va medicare insurance broker, buy medicare insurance plan richmond va

Transamerica Medicare Supplement Plans Richmond Virginia

Virginia Medicare Supplement (Medigap) Insurance Plans

Thrivent Financial Virginia Medicare Insurance Plans

Central States Health & Life Co. of Omaha Medicare Supplement Plan in Virginia

Central States Health & Life Co. of Omaha Medicare Supplement Plan in Virginia

If there’s a Medicare Insurance company policy you’re want to buy, but don’t see them listed above it’s a good chance we represent them and are no 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. 

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