Best Medicare Supplement Plans in Virginia

Medicare Supplement plans in Virginia work with Original Medicare to cover outstanding medical expenses like copayments, coinsurance, and excess charges.

  • In Virginia, Medicare Supplement Plan G is the best plan for 2022.
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The right plan will reduce the number of medical expenses, giving the beneficiary peace of mind and easy access to medical care. High Deductible Plan G and Plan N are the second most popular after Plan G.

Best Comprehensive Coverage: Medicare Supplement Plan G

  • Medicare Plan G covers all out-of-pocket costs except the Part B deductible.
  • Great value for beneficiaries qualified for Medicare Plan F.
  • Most comprehensive plan for beneficiaries not eligible for Plan F.

Best Value: Medicare Supplement Plan N

  • Medicare Plan N requires doctor's office copayments of up to $20 per visit.
  • Requires emergency room visit copays of up to $50 per visit (waived upon admittance).
  • Lower premiums than Medicare Plans G and F.

Best for Lowest Premiums: High-Deductible Plan G

  • Considerably lower premiums than the original Plan G.
  • It offers the same coverage as the original Plan G but with a much higher deductible.

Best for Full Coverage: Medicare Supplement Plan F

  • Due to eligibility limitations, Medicare Plan F is unobtainable for beneficiaries with a Medicare effective date on or after January 1, 2020.
  • The only Medigap plan in Virginia that covers the deductible for Medicare Part B in addition to the Medicare Part A deductible.
  • Plan F is the most comprehensive Supplement plan available.

Medicare Supplement Insurance Cost in Virginia

Pricing for each Medicare Supplement insurance plan in Virginia will vary depending on various personal factors and the chosen insurer.

65-Year-Old Female Non-tobacco

Plan F - $169.50

Plan G - $126.95

Plan N - $98.21

When can I apply for a Medicare Supplement plan?

Timing is critical to get the lowest rates for your Medigap plan in Virginia. The Medicare Annual Election Period is only for Part D prescription drug and Medicare Advantage plans, so it doesn't apply to Medicare Supplement plan enrollment.

Virginia beneficiaries have the following options when extending their Medicare benefits with a Medicare Supplement plan:

1. Medigap Open Enrollment Period

  • It lasts for six months after you enroll in Medicare Part A and Medicare Part B and are at least 65 years old.
  • Guaranteed issue rights prevent the Medicare insurance company from refusing you coverage or increasing your rates due to pre-existing conditions.

2. Special Enrollment Periods

  • Unique access to Medigap insurance enrollment with unlimited plan options.
  • Guaranteed issue rights prevent private insurance companies from using medical underwriting to determine rates.
  • Guaranteed acceptance into any of the Medigap policies available in your zip code.

3. On-Demand Enrollment

If your open enrollment period has passed and you don't qualify for special enrollment, you can still apply without guaranteed issue rights. That means the insurer will use medical underwriting to determine your monthly premium and may deny you coverage for any reason.

FAQ:

When can I change Medigap plans?

It's essential to compare Medicare coverage with all Virginia Medigap plans before enrolling because you may not have an opportunity to change plans. Medicare Supplement plans automatically renew yearly, and there is no open period to make changes.

The insurance company will use medical underwriting if you want to switch plans outside your open enrollment period. However, if you want to change plans and your open enrollment period is still available, you can make the change without penalty.

Follow these steps if you want to change Medigap plans in Virginia outside of the open enrollment period:

  • Apply for the new insurance policy to see if they offer you the desired plan.
  • You can afford to pay for your first month of coverage if accepted to the new plan with a monthly premium.
  • You can pay for your old plan one more month to secure your 30-day "free-look" period, which allows you to consider a new one without giving up your old one.
  • If you want to keep the new plan, notify your old insurance provider and request that your senior coverage end.

If you give your old plan up immediately, you cannot go back to it without re-applying and going through medical underwriting. You could have higher rates due to your current health or pre-existing conditions. It's worth paying for both plans for one month to secure that free-look period.

Can I be denied Medigap coverage?

Your guaranteed issue rights ensure your enrollment in the plan of your choice as long as you apply within your open enrollment period or a special enrollment period. If you apply any other time, the insurer has the right to deny coverage

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement Plan G and Mutual of Omaha Medicare Supplement Plan G in your state. We educate you on the best Medicare plans for your situation, then let you decide.

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