What Are Medicare Supplement Insurance Plans in Virginia?

Virginia residents age 65 and older could benefit from learning about Medicare Supplement Insurance plans. These plans help bridge the gaps in out-of-pocket expenses left by Medicare Parts A and B. Also referred to as Medigap, Medicare Supplement Insurance plans are offered by private insurance companies throughout Virginia.

In 2023, Virginia residents have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Virginia residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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Most Popular Medicare Supplement Plans in Virginia

Government-approved Medicare Supplement Insurance plans protect residents in most states, including Virginia. See below for a view of the most popular Medigap options selected by Virginia residents. Insurance companies that sell Medigap plans in Virginia offer the same basic benefits. However, plan prices may vary depending on where you live and the insurance carrier. In addition, each insurer in Virginia may not offer each of the Medigap plans.

As reported by America’s Health Insurance Plans, 444,095 Virginia beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Virginia enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,887	1,717	4,778	1,314	771	206,607	171,639	431	3,096	15,191	1,506	751	11	32,518

Source: AHIP (2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Virginia Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Virginia by working with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Virginia.

Virginia residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.

When is the Virginia Medicare Supplement Plan Enrollment Period?

Initial enrollment timeframes are very important. Enrollment for Virginia Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Virginia residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Those under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

How Do I Find the Right Virginia Medicare Supplement Insurance Plan?

One of the best ways to find a Medicare plan that meets your needs is to work with SelectQuote. We’ll make sure you’re receiving all the benefits available to you and keep you up-to-date on annual plan changes. As a trusted independent third-party company, SelectQuote is here to help you find the right Medicare Supplement plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.