Call SelectQuote
Work with one of our licensed insurance agents to get answers to your Medicare questions, unbiased comparisons of coverage and resources to simplify the entire process. Call 1-833-574-3011 (TTY: 1-877-486-2048) to get started.
Medicare Supplement Insurance Plans in Virginia
Medicare Supplement Plans (Medigap) in Virginia 2026
Original Medicare covers a lot, but it does not pay for everything. Medicare Supplement Insurance plans, also known as Medigap, are private health policies. They are designed to fill the financial gaps left by Original Medicare, such as deductibles and coinsurance.
Protecting yourself from high medical bills is extra important this year. For 2026, the Centers for Medicare & Medicaid Services (CMS) announced that the Medicare Part B deductible will increase to $283, and the Part A deductible will rise to $1,736. A Medicare Supplement plan acts as a vital financial tool to shield Virginia seniors from these rising out-of-pocket costs.
If you want to look at alternative health options, you can also explore Medicare Advantage plans. However, you cannot be enrolled in a Medicare Advantage plan and a Medicare Supplement plan at the same time, so it is important to understand your choices.
Key Virginia 2026 Takeaways
Birthday Rule Alert: As of July 2025, Virginia residents have a special annual 60-day window starting on their birthday. During this time, you can switch to any insurance carrier offering the same Medicare Supplement plan letter without answering health questions or going through medical underwriting.
2026 Cost Benchmarks: Keep these numbers in mind for your budget. The Part B deductible is $283, and the high-deductible Plan G threshold is $2,950.
Plan Popularity: Plan G remains a popular choice for comprehensive coverage across the state. Meanwhile, Plan N is a fast-growing option for seniors who want lower monthly premiums.
Compare Medicare plans and request a free quote today!
What is a Medicare Supplement plan in Virginia?
A Medicare Supplement plan helps you pay for costs that Original Medicare parts A and B leave behind. When you use your health benefits in Virginia, Original Medicare pays its share first. Then, your Medicare Supplement policy steps in to cover your remaining out-of-pocket costs. To learn more about how these pieces fit together, read our Medicare overview.
These plans also offer significant benefits for active Virginia retirees who enjoy traveling. Most popular Virginia plans, such as Plan G and Plan N, include emergency coverage for foreign travel. According to the official Medicare handbook, this benefit covers 80% of your emergency medical costs outside the United States after a small $250 deductible.
Types of Medicare Supplement Plans Offered in Virginia
Medicare Supplement plans are standardized by the government. This means a Plan G with one company has the exact same basic medical benefits as a Plan G with another company. Plans are labeled by letters ranging from A through N. You can compare all the letter options on our Medicare Supplement plans page.
Virginia is also unique because it is one of the states where some insurance carriers offer Plan B for individuals under age 65. This helps younger residents who qualify for Medicare early due to a disability, end-stage renal disease (ESRD), or amyotrophic lateral sclerosis (ALS).
Most Popular Medicare Supplement Insurance Plans in Virginia
While there are many options, Plan G and Plan N are the top choices for seniors in the Commonwealth. Here is how their out-of-pocket costs compare:
Medicare Supplement Benefit | Plan G | Plan N |
Part B Deductible ($283) | You pay this once a year | You pay this once a year |
Part B Coinsurance (20%) | Covered 100% by the plan | Covered, but you pay up to $20 for office visits and $50 for ER visits |
Part B Excess Charges | Covered 100% by the plan | Not covered |
Plan G: Plan G is designed to cover 100% of your remaining out-of-pocket costs for Medicare-approved medical services.
Plan N: This plan offers lower monthly premiums, but you agree to pay small copays for some doctor and emergency room visits.
Innovative Plan G: Some trusted carriers in Virginia now offer Plan G options that combine traditional and hybrid benefits. These options give you the exact same medical coverage as standard Plan G but add extra preventive benefits, such as routine vision, dental, or hearing care.
2026 Virginia Market Disruption Alert
The new “Birthday Rule” has completely changed how seniors can shop for health insurance. In the past, if you wanted to switch to a different insurance company to save money, you usually had to pass a health screening. If you had pre-existing conditions, a company could deny you coverage or charge you a higher rate.
Now, Virginia residents can safely switch their Medicare Supplement provider during a 60-day window that starts on their birthday every year. There are no health questions asked, as long as you switch to a plan with equal benefits.
This is a great tool for managing your budget. Many plans in Virginia use attained age pricing, which means your premiums will increase as you get older. The Birthday Rule lets you easily shop for the lowest 2026 rate for your current plan type. To find out how to get the best value, check out our guide on shopping for Medicare insurance.
Which Virginia senior are you?
Finding the right plan depends on your personal style and your financial goals. See which category fits you best:
The Peace of Mind Senior: You want to eliminate unexpected medical bills completely. You choose Plan G, so you never have to worry about copays or coinsurance when you visit the doctor.
The Budget Senior: You want high-quality coverage but prefer a lower monthly bill. You choose Plan N because you do not mind paying small copays on the rare occasions you need to see a doctor.
The High-Deductible Senior: You want catastrophic protection but wish to keep your monthly premiums at an absolute minimum. You opt for High-Deductible Plan G, agreeing to meet the standard out-of-pocket $2,950 deductible before the plan pays.
Virginia Medicare Enrollment Periods and Switching Rules
Timing is everything when it comes to securing your policy. There are two primary windows you should know, which you can read about on our Medicare enrollment periods page:
Initial Open Enrollment Period: This is a one-time, six-month window that starts the month you turn 65 and are enrolled in Medicare Part B. During this time, you can buy any Medicare Supplement plan available with no health questions asked.
The Birthday Switch: This is your annual 60-day window that begins on your birthday. It lets you switch carriers for your current plan letter to get a lower premium without medical underwriting.
Medicare Supplement Carriers in Virginia
SelectQuote partners with a wide variety of recognized and trusted health insurance companies in Virginia. These include:
Depending on the carrier you choose, you may get access to extra benefits. For example, Anthem plans often include SilverSneakers fitness program coverage, while Physicians Mutual may offer unique riders for innovative plan coverage.
Medigap Rates in Virginia by ZIP Code in 2026
Where you live in the state impacts what you pay. Rates in Northern Virginia (NOVA) typically trend higher than prices in the Shenandoah Valley because local provider and healthcare costs are higher near the city.
No matter your ZIP code, you should look for ways to save. Many trusted Virginia carriers offer a household discount of 7% to 12% when two enrollees live in the same home and hold policies with the same insurer.
Frequently Asked Questions
How does the Virginia Birthday Rule work in 2026?
It is an annual 60-day window that begins on your birthday. It allows you to switch to another insurance carrier's plan with the exact same letter without answering health questions or undergoing medical underwriting.
What are the 2026 Medigap costs?
Your premium will depend on your age and ZIP code. However, the government sets the deductibles. According to the official CMS 2026 cost sheet, the Medicare Part B deductible is $283, and the Part A deductible is $1,736 per benefit period.
Can I switch from Medicare Advantage to Medigap in Virginia?
Yes, you can switch, but it usually requires answering health questions and undergoing medical underwriting. The only exception is if you qualify for a specific Trial Right period or another special exception.
Does Virginia Medigap cover foreign travel emergencies?
Yes. Most standard plans, including Plan G and Plan N, cover 80% of emergency medical costs for the first 60 days of a trip outside the United States after you pay a $250 deductible. There is a lifetime maximum amount of $50,000.
Is there a discount for couples in Virginia?
Yes. Many trusted Virginia carriers offer household discounts of 7% to 12% when two people living in the same home buy policies from the same insurance company.
Why choose SelectQuote for your Virginia Medicare Supplement plan needs?
With more than 40 years of experience, SelectQuote’s licensed agents are here to simplify your search. We take the heavy lifting out of the Medicare process by reviewing multiple plan options side-by-side. We offer unbiased guidance to help you find a plan that fits your healthcare needs and your wallet. No matter where you live in Virginia, SelectQuote can help you compare Medicare Advantage plan options so you can make coverage decisions with confidence.
SelectQuote Senior Insurance Services is a division of SelectQuote Insurance Services. © 2026 SelectQuote Senior Insurance Services. All rights reserved.
Please see the Disclosures Page for more information.
MULTI-PLAN_SQSRW2026_M
Looking for an affordable Medicare plan? Let us help.
We’ll call you.
If you’re pressed for time, complete this form and a member of our team will call you at your selected time.