LifeShield National offers Virginia's best Medicare Supplement rates for Plan G ($138 monthly) and Plan N ($103 monthly). Ace Property and Casualty has the cheapest Plan F at $162 monthly. Your best rate depends on your age, plan type and pricing style preference.
Best Medicare Supplement Plans in Virginia (2026)
Updated: January 27, 2026
Advertising & Editorial Disclosure
Key Takeaways
LifeShield National offers Virginia's cheapest Plan G and Plan N rates. Ace Property and Casualty has the lowest Plan F rates.
Medicare Supplement plans in Virginia cost $24 to $1,470 monthly, depending on your plan choice.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Virginia
| State Farm | A | $89 | $135 | Attained Age Pricing |
| Transamerica | B | $163 | $83 | Issue Age Pricing |
| Transamerica | C | $193 | $79 | Issue Age Pricing |
| Transamerica | D | $150 | $20 | Issue Age Pricing |
| Ace Property and Casualty | F | $162 | $123 | Attained Age Pricing |
| LifeShield National | G | $138 | $98 | Attained Age Pricing |
| Transamerica | K | $67 | $24 | Issue Age Pricing |
| Transamerica | L | $99 | $82 | Issue Age Pricing |
| Transamerica | M | $122 | $108 | Issue Age Pricing |
| LifeShield National | N | $103 | $85 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Monthly Rate (Plan G No Deductible)
$138Plan Types
A, F, G, N
Ace Property and Casualty
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Monthly Rate (Plan G No Deductible)
$142Plan Types
A, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Monthly Rate (Plan G No Deductible)
$150Plan Types
A, B, C, D, F, G, K, L, M, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Monthly Rate (Plan G No Deductible)
$158Plan Types
A, C, D, F, G, N
Best Medicare Supplement Plan G in Virginia
LifeShield National has Virginia's best Plan G rates at $138 per month. Ace Property and Casualty and Bankers Fidelity also offer competitive pricing.
| LifeShield National | $138 | $98 | $1,656 | $1,171 |
| Ace Property and Casualty | $142 | $94 | $1,704 | $1,123 |
| Bankers Fidelity | $142 | $94 | $1,704 | $1,123 |
| American Benefit | $148 | $88 | $1,776 | $1,051 |
| Transamerica | $150 | $86 | $1,800 | $1,027 |
| WoodmenLife | $153 | $83 | $1,836 | $991 |
| AFLAC | $156 | $80 | $1,872 | $955 |
Best Medicare Supplement Plan F in Virginia
Plan F rates in Virginia range from $63 to $390 monthly, depending on pricing style and deductible options. Ace Property and Casualty has the cheapest Plan F at $162 monthly, while LifeShield National and Bankers Fidelity also offer competitive rates, saving Virginia residents hundreds annually.
| Ace Property and Casualty | $162 | $123 | $1,944 | $1,475 |
| LifeShield National | $169 | $116 | $2,028 | $1,391 |
| Bankers Fidelity | $175 | $110 | $2,100 | $1,319 |
| American Benefit | $180 | $105 | $2,160 | $1,259 |
| AFLAC | $187 | $98 | $2,244 | $1,175 |
| MedMutual Protect | $187 | $98 | $2,244 | $1,175 |
| WoodmenLife | $190 | $95 | $2,280 | $1,139 |
Best Medicare Supplement Plan N in Virginia
Plan N rates in Virginia range from $103 to $300 monthly, depending on pricing style. LifeShield National has the cheapest Plan N at $103 monthly, while American Benefit ($104 monthly) and Ace Property and Casualty ($106 monthly) also offer competitive rates.
| LifeShield National | $103 | $85 | $1,236 | $1,020 |
| American Benefit | $104 | $84 | $1,248 | $1,008 |
| Ace Property and Casualty | $106 | $82 | $1,272 | $984 |
| USAA | $106 | $82 | $1,272 | $984 |
| AFLAC | $111 | $77 | $1,332 | $924 |
| Bankers Fidelity | $113 | $76 | $1,350 | $906 |
| WoodmenLife | $114 | $74 | $1,368 | $888 |
Personalized Virginia Medicare Supplement Plan Recommendations
Your best Medicare Supplement plan depends on your age and plan type preference. Use the filterable table below to compare rates:
Data filtered by:
A
Select
No
| State Farm | A | No | 65 | $89 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $134 | $0 | Issue Age Pricing |
| LifeShield National | A | No | 65 | $138 | $0 | Attained Age Pricing |
| Ace Property and Casualty | A | No | 65 | $139 | $0 | Attained Age Pricing |
| USAA | A | No | 65 | $140 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $143 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $144 | $0 | Attained Age Pricing |
| American Benefit | A | No | 65 | $147 | $0 | Attained Age Pricing |
| WoodmenLife | A | No | 65 | $152 | $0 | Attained Age Pricing |
| Physicians Select | A | No | 65 | $152 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Virginia
Medicare Supplement plans in Virginia average $212 monthly for 65-year-olds. Average prices range from $91 to $285 across 10 standardized plan types. Plan K costs the least at $91 monthly, while Plan F costs the most at $285.
The most popular plans (Plan G, Plan F and Plan N) average $236, $285 and $188 monthly. Annual costs run from $2,256 to $3,420. Your actual premium depends on your provider, age and the insurer's pricing style.
| A | $224 | $2,688 |
| B | $246 | $2,952 |
| C | $272 | $3,264 |
| D | $170 | $2,040 |
| F | $285 | $3,420 |
| G | $236 | $2,832 |
| K | $91 | $1,092 |
| L | $181 | $2,172 |
| M | $230 | $2,760 |
| N | $188 | $2,256 |
How to Choose the Best Medicare Supplement Plan
Your best Medicare Supplement plan depends on your eligibility, budget, age, health and lifestyle. Focus on these six factors:
- 1Assess your health care needs
How often do you see doctors? Do you travel frequently? Plans with comprehensive coverage cost more monthly but save you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often pay off through lower out-of-pocket costs.
- 2Compare plan types
Plan G covers the most for new Medicare beneficiaries. Plan N offers similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get quotes from multiple providers
Insurers charge different rates for identical coverage. Get quotes from at least three companies to find competitive pricing.
- 4Check pricing style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans cost less over time.
- 5Check company ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums don't help if your insurer delays claims or provides poor service.
- 6Enroll during your open enrollment period
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers can charge higher rates or deny coverage.
Virginia Medicare Resources
Virginia residents can get free help selecting Medicare Supplement coverage from these resources:
- Virginia Insurance Counseling and Assistance Program (VICAP): Virginia's State Health Insurance Assistance Program provides free, unbiased counseling on Medicare, Medigap and prescription drug coverage. VICAP counselors help you compare plans and understand your options.
- Virginia Bureau of Insurance: This State Corporation Commission office regulates insurance companies in Virginia and resolves consumer complaints. The bureau publishes annual Medigap premium comparison guides.
- Virginia Department for Aging and Rehabilitative Services: Offers programs and services for older Virginians, including Medicare counseling through local Area Agencies on Aging.
- Medicare.gov: The official Medicare website has tools for comparing plans in your ZIP code, including Medicare Supplement policies.
Medicare Supplement Plans in Virginia: FAQ
Expert answers to common questions about Medicare Supplement plans in Virginia:
When is Medicare Supplement open enrollment in Virginia?
Medicare Supplement open enrollment in Virginia begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Virginia Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Virginia Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.