The Best Virginia Medicare Supplement Plans (2024)

The cost of Medicare Supplement plans varies with age. In Virginia, you pay an average of $112 per month if 65 and $180 per month if 75 years old for a Medigap plan.

Most people purchase Plan F and G because they provide more protection. Plan G costs an average of $114 per month in Virginia. Plan F averages $233.09 a month but is only available to individuals who qualified for Medicare before 2020.

Plan N is the third most popular since it provides similar coverage, although it comes with extra costs. On average, monthly, Medigap Plan N in Virginia costs $105.70 for 65-year-olds and $172.77 for 75-year-olds.

MoneyGeek ranked the best companies across these three Medicare Supplement plans based on our methodology, which entails analyzing average premiums and benefits. You can learn more about finding the best Medicare Supplement plan in Virginia with our guide.

Anthem provides the best Medigap Plan G in Virginia, with an average monthly rate of $118.

Take note, MoneyGeek only rated companies that offer quotes online. However, other Medigap providers in Virginia that do not provide an online quote tool may be available, offering better rates.

Medicare Supplement Plan G costs an average of $134.80 per month in Virginia. However, your exact cost will vary depending on various factors like age, available discounts and medical underwriting factors.

MoneyGeek’s sample 65-year-old gets the cheapest Plan G in Virginia with Aetna at around $91.10 monthly. But, Cigna offers the most expensive Plan G at roughly $141.60 per month to the same individual. That’s around $50 more per month.

Virginia has 34 companies providing Medigap Plan G, but some do not have an online quote tool. As part of MoneyGeek’s research, we gathered the contact information of all the providers to ensure you find an option best-suited for your needs.

MoneyGeek’s analysis also includes the pricing method of each provider. You can use this information to determine the company likely to charge more based on age.

Medicare Supplement plans include standard benefits, and that applies to Plan G. However, this plan only covers 80% of foreign travel exchange and does not include the Part B deductible.

Aside from standard coverage, providers may also offer additional benefits — for example, Anthem’s foreign travel emergency benefit.

The best Medicare Supplement Plan F in Virginia comes from Cigna, with an average monthly premium of $199.15.

However, MoneyGeek’s analysis only comprises companies that offer online quotes. Other companies with Plan F that don’t have an online quote tool may have a more competitive offer.

The average cost of a Medicare Supplement Plan F in Virginia is $233.10 per month. Exact rates vary depending on the discounts available with the provider, age and other medical underwriting factors.

For a 75-year-old, the company with the lowest Plan F premium in Virginia is Cigna at $199.20 per month. That's about $102.80 lower than what Anthem, the most expensive provider, charges for Plan F — roughly $302 a month.

Thirty-four companies offer Medicare Supplement Plan F in Virginia. However, some do not provide quotes online, and you may need to contact them directly.

MoneyGeek collected the contact details of all the Plan F providers in Virginia to help you secure an option that fits your needs. We also detail the pricing model of each company to help you see which may charge a higher premium for your age.

Plan F is standardized to provide certain benefits. While Plan F has comprehensive coverage, it only includes 80% coverage of foreign travel exchange within the plan’s limits.

Each Medigap provider offers various unique benefits besides standardized coverage. For example, Cigna provides a health information line and a Healthy Rewards program.

The best Medicare Supplement Plan N option in Virginia is from Aetna, with an average monthly premium of $96.29.

MoneyGeek’s analysis only includes companies that allow you to get a personalized quote online. There may be other providers with a more suitable Plan N for you that don’t have an online quote tool.

In Virginia, Medicare Supplement Plan N costs an average of $139.20 per month. Your rates may, however, vary based on factors such as how old you are when purchasing the policy, available discounts and medical underwriting factors.

MoneyGeek’s sample 65-year-old in Virginia gets the cheapest Plan N from Aetna at roughly $96.30 per month. Anthem is the most expensive at around $114 per month. That’s a difference of about $17.70 monthly.

In Virginia, 32 companies provide Medicare Supplement Plan N. However, not all of them have online quote tools.

MoneyGeek obtained the contact information of all the providers to help you get the best policy for your needs. Our inclusion of pricing methodology can help you identify the companies that are likely to charge more based on age.

All Medigap plans in Virginia, including Plan N, provide the standard coverage and must have certain benefits.

But, Plan N does not include the Part B deductible or Part B excess charge. It does cover 80% of foreign travel expenses based on your plan’s limit.

With certain providers of Plan N in Virginia, you get additional benefits. For example, Aetna has a foreign travel emergency benefit.

Virginia residents may also purchase Medicare Supplement plan types other than Plan G, F or N, although these are more popular because they provide more comprehensive coverage.

Based on MoneyGeek’s acquired online quotes, the best company for a Medigap Plan A, B, C, K or L in Virginia is UnitedHealthcare.

It is important to note that you won’t qualify for Plan C in Virginia or other states if you first became eligible for Medicare after January 1, 2020.

Medicare Supplement insurance is a complicated topic. MoneyGeek analyzed plan coverage information into an easy-to-read chart to ensure you find the best for your situation. Our comparison chart can also help you analyze pricing data for different plan types in Virginia.

Medigap plans are only available to individuals once they qualify for Medicare. Different plan types feature different coverage levels, and some have eligibility date restrictions. For example, Plan C and F offer the most comprehensive coverage but are not available to new Medicare enrollees. They can consider Plan D and G, which are their replacements.

You can compare Medicare Supplement plans in Virginia using MoneyGeek’s chart, which shows differences in average costs and coverage levels.

How much you pay for Medigap in Virginia will vary based on the plan type and provider you choose.

MoneyGeek found Aetna is the most affordable provider for Plan G and N, while Cigna is the cheapest for Plan F. For Plan A, B, C, K and L, UnitedHealthcare has the lowest rates.

Insurers often price Medigap plans using one of the following:

• Community-Rated: Policyholders pay the same monthly premium, regardless of age. This method does not apply to Plan D and Plan M in Virginia.
• Attained-Age: This pricing method calculates premiums based on your age. Older policyholders pay higher premiums.
• Issue-Age: The cost of coverage depends on your age when you first apply for your policy and does not change based on your age.

Medicare Supplement insurance is a complicated subject in Virginia. To help you, MoneyGeek answered frequently asked questions about Medigap plans.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Virginia for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.