The Best Virginia Medicare Supplement Plans (2022)

Virginia has 10 Medicare Supplement (Medigap) plans, although available plans vary based on when an individual became eligible. The best Medicare Supplement plans in Virginia are with Cigna, Anthem, and Aetna.

Like in other locations, you cannot have a Medicare Advantage plan and Medigap plan simultaneously since Medicare Advantage plans in Virginia replace Original Medicare and other Medicare plans.

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Last Updated: 7/1/2022
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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.

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Best Medicare Supplement Plans in Virginia

Best Medicare Supplement Plan G in Virginia

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.

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MoneyGeek Top Pick
Anthem Blue Cross and Blue Shield
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $118.00

The Anthem Medicare Supplement Plan G monthly premium is around $118, which is lower than the average Plan G monthly rate in Virginia of $134.80 by about $16.80.

Plan G from Anthem comes with a foreign travel emergency benefit which covers 80% of your emergency medical bills up to the limit of your policy.

MORE ABOUT PLAN G IN VIRGINIA

Navigate to learn more about Medigap Plan G in Virginia, including how much the average cost is, the available providers and what it covers.

The Cost of Medicare Supplement Plan G in Virginia

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.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $91
  • Anthem
    $118
  • UnitedHealthcare
    $128
  • Cigna
    $142

Providers Offering Plan G in Virginia

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.

Providers Offering Plan G in Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan G Cover?

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.

Required Benefits of Plan G in Virginia
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Virginia

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.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $199.15

In Virginia, Cigna’s Medigap Plan F, costing roughly $199.15 a month, is less expensive than the $233.10 state average monthly premium of Plan F by around $33.95.

The Medicare Supplement Plan F from Cigna provides various additional benefits, including a Healthy Rewards program with discounts on health and wellness programs and services.

MORE ABOUT PLAN F IN VIRGINIA

Navigate to learn more about Medigap Plan F in Virginia, including how much it costs on average, what providers it has available and what it covers.

The Cost of Medicare Supplement Plan F in Virginia

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.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $161

Providers Offering Plan F in Virginia

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.

Providers Offering Plan F in Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

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.

Required Benefits of Plan F in Virginia
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Virginia

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $96.29

Plan N from Aetna, averaging $96.29 monthly, costs around $42.91 less per month than the average cost of Plan N in Virginia, roughly $139.20.

Aetna provides a foreign travel emergency benefit, covering 80% of the cost of emergency care you receive outside of the United States.

MORE ABOUT PLAN N IN VIRGINIA

Navigate to learn more about Medigap Plan N in Virginia, including how much it costs on average, the available providers and coverage.

The Cost of Medicare Supplement Plan N in Virginia

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.

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  • Company
    Sample Monthly Rate
  • Aetna
    $96
  • Cigna
    $103
  • UnitedHealthcare
    $110
  • Anthem
    $114

Providers Offering Plan N in Virginia

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.

Providers Offering Plan N in Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Anthem
    1-800-684-1893
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan N Cover?

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.

Required Benefits of Plan N in Virginia
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Virginia: Other Plan Types

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.

The Best Medicare Supplement in Virginia - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $96.99

  • B

    UnitedHealthcare

    $132.06

  • C

    UnitedHealthcare

    $293.97

  • F

    Cigna

    $199.15

  • G

    Anthem

    $118.00

  • K

    UnitedHealthcare

    $55.66

  • L

    UnitedHealthcare

    $92.72

  • N

    Aetna

    $96.29

How to Find the Best Medicare Supplement Plans in Virginia

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.

Virginia Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Virginia

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.
Average Cost of Medicare Supplement in Virginia

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $97
  • Anthem
    $107
  • Aetna
    $114
  • Cigna
    $128

FAQs About Medicare Supplement Plans in Virginia

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

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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