Best Medicare Supplement Plans in Virginia (2026)

LifeShield National has Virginia's cheapest rates for Plan G ($138 monthly) and Plan N ($103 monthly), the two most popular Medigap plans. Ace Property and Casualty leads Plan F at $162 monthly. Transamerica ties for the highest MoneyGeek rating at 4.6/5, backed by 10 standardized plans and Issue Age Pricing.

When we pulled Virginia's Medigap rates, Attained Age plans from LifeShield and Ace cost less at 65. Transamerica's Issue Age rate locks at enrollment, better for enrollees keeping the same plan a decade or more. LifeShield's Plan G saves $98 per month against the $236 state average.

*Prices are for 65-year-olds.

LifeShield National leads Virginia's Plan G market at $138 per month.

LifeShield National's $138 rate saves $1,171 per year against the Plan G state average. That saving comes entirely through Attained Age Pricing, so your rate rises each year. Bankers Fidelity also prices at $142, the same as Ace. Get a quote from both if you want a second Attained Age comparison. Plan to hold this policy past age 72? Price out Transamerica's $150 Issue Age rate first.

Plan F rates in Virginia run from $63 to $390 monthly, depending on pricing style and whether you choose the high-deductible version. Ace Property and Casualty has the lowest Plan F rate at $162 monthly.

The Plan F table is only relevant if you enrolled in Medicare before January 1, 2020. For those who qualify, Ace Property and Casualty's $162 rate is $123 below the $285 Virginia average, the largest absolute monthly saving of any plan on this page. LifeShield National at $169 is worth comparing if you prefer a second quote and the $7 gap between the two is small enough that AM Best ratings and claims service should factor into the final decision.

Plan N rates in Virginia run from $103 to $300 monthly. LifeShield National leads at $103 monthly, with American Benefit ($104 monthly) and Ace Property and Casualty ($106 monthly) close behind.

The top three Plan N providers, LifeShield National, American Benefit and Ace Property and Casualty, are separated by just $3 per month. Plan N works best for Virginia enrollees who see doctors infrequently and want Plan G-level network access without the full Plan G premium. Plan N costs less monthly but charges $20 per doctor visit and $50 per emergency room visit, so it works best when care is infrequent.

Your best Medicare Supplement plan depends on your age and plan type preference. Use the filterable table below to compare rates:

Medicare Supplement plans in Virginia average $212 monthly for 65-year-olds. Averages run from $91 (Plan K) to $285 (Plan F) across all 10 standardized plan types. The three most popular plans average $236 (Plan G), $285 (Plan F) and $188 (Plan N) monthly. Annual costs run from $2,256 to $3,420.

Plan G premium in Virginia is $236 monthly at 65 but rises for enrollees on Attained Age plans as they age. A 75-year-old on the same Attained Age Plan G pays more than a 65-year-old on an Issue Age plan locked at enrollment.

Your best Medicare Supplement plan depends on your eligibility, budget, age, health and lifestyle. Focus on these six factors:

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.

For most Virginia Medicare beneficiaries enrolling at 65, LifeShield National Plan G at $138 monthly is the cheapest, unless you plan to hold the policy past age 72, in which case Transamerica's Issue Age rate is worth a direct comparison, it offers the largest savings against the $236 Virginia average for new enrollees, and Plan G covers more out-of-pocket costs than any other plan available to post-2020 enrollees.

LifeShield's Attained Age Pricing starts $12 per month cheaper than Transamerica's Issue Age Plan G. Virginia enrollees who are in good health at 65 and expect to hold the same Medigap plan past 72 should run a 10-year cost comparison before defaulting to the cheapest current rate.

LifeShield's Plan N at $103 monthly is the right fit if your doctor visits are infrequent and you want to keep your monthly premium as low as possible. The $20 copay per doctor visit only becomes costly with regular care. See a specialist four or more times a month and Plan G's no-copay structure saves money over Plan N's lower premium.

Expert answers to common questions about Medicare Supplement plans in Virginia:

MoneyGeek collected Virginia Medicare Supplement rate data in May 2026 for enrollees aged 65 and 75, using Medicare.gov's plan browsing tool. We evaluated 19 providers offering Medigap coverage in Virginia. Unless otherwise noted, this article references rates 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.