LifeShield National offers the best Medicare Supplement plans in Virginia for both Plan G and Plan N at $138 and $103 per month. Ace Property and Casualty leads for Plan F, with $162 monthly rates. Other providers may have better rates depending on your age, preferred plan type and pricing style.
Best Medicare Supplement Plans in Virginia (2026)
Updated: December 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
LifeShield National has the best Plan G and Plan N Medicare Supplement plans in Virginia, while Ace Property and Casualty leads for Plan F coverage.
Monthly costs for Medicare Supplement plans in Virginia range from $24 to $1,470, depending on which plan you choose.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Best Medicare Supplement Plans in Virginia
| State Farm | A | $89 | $118 | Attained Age Pricing |
| Transamerica | B | $163 | $77 | Issue Age Pricing |
| Transamerica | C | $193 | $61 | Issue Age Pricing |
| Transamerica | D | $150 | $31 | Issue Age Pricing |
| Ace Property and Casualty | F | $162 | $79 | Attained Age Pricing |
| LifeShield National | G | $138 | $51 | Attained Age Pricing |
| Transamerica | K | $67 | $24 | Issue Age Pricing |
| Transamerica | L | $99 | $63 | Issue Age Pricing |
| Transamerica | M | $122 | $108 | Issue Age Pricing |
| LifeShield National | N | $103 | $40 | Attained Age Pricing |
* Pricing shown is for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Avg. 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
Avg. 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
Avg. 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
Avg. Monthly Rate (Plan G No Deductible)
$158Plan Types
A, C, D, F, G, N
Best Medicare Supplement Plan G in Virginia
We found that LifeShield National has the best Medicare Supplement Plan G plans in Virginia, with rates 27% below the state average. You should also consider Ace Property and Casualty and Bankers Fidelity for affordable plans.
| LifeShield National | $138 | $51 | $1,656 | $612 |
| Ace Property and Casualty | $142 | $47 | $1,704 | $564 |
| Bankers Fidelity | $142 | $47 | $1,704 | $564 |
| American Benefit | $148 | $41 | $1,776 | $492 |
| Transamerica | $150 | $39 | $1,800 | $468 |
| WoodmenLife | $153 | $36 | $1,836 | $432 |
| AFLAC | $156 | $33 | $1,872 | $396 |
Best Medicare Supplement Plan F in Virginia
Monthly costs for Plan F Medicare Supplement coverage in Virginia can range from $63 to $390, depending on pricing style and deductible options. Ace Property and Casualty offers the best Plan F rates in the state at $162 per month, which is 33% below average. LifeShield National and Bankers Fidelity also provide competitive Plan F options at $169 and $175 per month respectively, helping Virginia residents save hundreds annually on comprehensive Medicare Supplement coverage.
| Ace Property and Casualty | $162 | $79 | $1,944 | $948 |
| LifeShield National | $169 | $72 | $2,028 | $864 |
| Bankers Fidelity | $175 | $66 | $2,100 | $792 |
| American Benefit | $180 | $61 | $2,160 | $732 |
| AFLAC | $187 | $54 | $2,244 | $648 |
| MedMutual Protect | $187 | $54 | $2,244 | $648 |
| WoodmenLife | $190 | $51 | $2,280 | $612 |
Best Medicare Supplement Plan N in Virginia
Monthly costs for Plan N Medicare Supplement coverage in Virginia range from $121 to $300, depending on pricing style. LifeShield National has the best Plan N rates at $103 per month, which is 28% below average and saves Virginia residents $480 annually. American Benefit Life Insurance Company and Ace Property and Casualty also provide competitive Plan N options at $104 and $106 per month respectively.
| LifeShield National | $103 | $40 | $1,236 | $480 |
| American Benefit | $104 | $39 | $1,248 | $468 |
| Ace Property and Casualty | $106 | $37 | $1,272 | $444 |
| USAA | $106 | $37 | $1,272 | $444 |
| AFLAC | $111 | $32 | $1,332 | $384 |
| Bankers Fidelity | $113 | $31 | $1,350 | $372 |
| WoodmenLife | $114 | $29 | $1,368 | $348 |
Personalized Virginia Medicare Supplement Plan Recommendations
Our top picks for the most popular Medicare Supplement plan types may not suit everyone. Use the filterable table below to find your best and most affordable option by age and plan type:
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 plan costs in Virginia average $212 per month for 65-year-olds, with average prices ranging from $91 to $285 across the 10 standardized plan types. Plan K gives the lowest average monthly premium at $91, while Plan F carries the highest average cost at $285 per month.
The most popular plans (Plan G, Plan F and Plan N) average $236, $285 and $188 per month respectively, with annual costs ranging from $2,256 to $3,420. Your actual premium will vary based on the provider you select, your age and the insurance company’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
The best Medicare Supplement plan for you depends on your eligibility, finances, age, health and lifestyle. Here's a quick guide on what to consider:
- 1Assess your healthcare needs
Consider how often you visit doctors, whether you travel frequently and if you have ongoing medical conditions requiring regular care. Plans with more comprehensive coverage cost more monthly but reduce out-of-pocket expenses when you need care.
- 2Compare plan types
Plan G offers the most comprehensive coverage for new Medicare beneficiaries, while Plan N provides similar benefits with lower premiums and modest copayments. Plan F remains available only to those eligible for Medicare before 2020 and covers all out-of-pocket costs. Plans K and L offer lower monthly premiums but require you to pay a percentage of costs until reaching an annual out-of-pocket limit. Plans A, C and D provide basic coverage with varying levels of benefits, while Plans B and M fill specific coverage gaps between basic and comprehensive options.
- 3Get quotes from multiple providers
Premium costs vary between insurance companies for identical coverage. Request quotes from at least three insurers to ensure you're getting competitive rates.
- 4Check pricing style
Insurers use three pricing methods: Issue Age (locked at enrollment age), Attained Age (increases as you age) and Community-Rated (same for all ages). Issue Age and Community-Rated pricing provide better long-term value.
- 5Check company ratings
Check financial stability ratings from AM Best and customer satisfaction scores to ensure your insurer can pay claims and provides quality service. A lower premium isn't worth it if the company struggles with claims processing.
- 6Enroll during your open enrollment period
The six-month window starting when you turn 65 and enroll in Medicare Part B guarantees acceptance regardless of health conditions. Waiting until later may result in higher premiums or coverage denials.
Virginia Medicare Resources
If you live in Virginia and need help selecting Medicare Supplement coverage, these resources provide free assistance and information:
- Virginia Insurance Counseling and Assistance Program (VICAP): Virginia's State Health Insurance Assistance Program offers free, unbiased counseling on Medicare, Medigap and prescription drug coverage. VICAP counselors can help you compare plans and understand your options.
- Virginia Bureau of Insurance: Part of the State Corporation Commission, this office regulates insurance companies operating in Virginia and helps consumers resolve complaints. The bureau publishes annual Medigap premium comparison guides.
- Virginia Department for Aging and Rehabilitative Services: Provides programs and services for older Virginians, including Medicare counseling through local Area Agencies on Aging.
- Medicare.gov: The official Medicare website offers comprehensive tools for comparing plans available in your ZIP code, including Medicare Supplement policies.
Medicare Supplement Plans in Virginia: FAQ
Below are our team's expert answers to frequently asked 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 get a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this enrollment period.
What are the most popular Medicare Supplement plans?
The most popular Medicare Supplement plans are Plan G, Plan F and Plan N. Plan G gives comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is only available to those eligible before 2020. Plan N gives affordable premiums with modest copayments. Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No, you don't have to renew Medigap plans every year. Medicare Supplement plans automatically renew as long as you pay your premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans which 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, offering an all-in-one alternative with different networks, costs and coverage rules. Supplement plans have more provider flexibility, but Advantage plans often include extras like dental and vision.
Our Methodology
MoneyGeek collected data for all Medicare plans in Virginia for 65-year-olds and 75-year-olds, using the plan browsing tool available at Medicare.gov. Unless otherwise noted, the data in this article is referencing quotes pulled for 65-year-olds in the state.
We scored Medigap companies in Virginia based on three main categories to create a weighted score out of five:
- Affordability (50%): Providers with the lowest monthly cost score higher.
- Pricing Style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing, and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
- Plan Availability (30%): Providers with a wider range of plan types score higher here, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.