Finding the best Virginia Medicare Supplement plans can seem pretty overwhelming. Don’t stress. It’s actually pretty easy. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Virginia Medigap plans.
best medicare supplement plans in Virginia
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Cigna, Blue Cross Blue Shield, Mutual of Omaha or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Virginia
How much will you pay for your Virginia Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Virginia residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Virginia Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Virginia Medicare Supplement Insurance Coverage.
Compare Virginia Medicare Supplements
It is important to know that even though the coverage for Virginia Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Virginia Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Virginia Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Virginia Medigap coverage.
Be an informed buyer and comparison shop your Virginia Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Virginia Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Virginia that I serve. Click here if you’re looking for other Medicare Supplement states.
Abingdon Accomac Adwolf Alberta Alexandria Altavista Amherst Annandale Appalachia Appomattox Aquia Harbour Arlington Ashland Atkins Bailey’s Crossroads Bassett Basye-Bryce Mountain Bedford Belle Haven Belle Haven Bellwood Bensley Berryville Big Stone Gap Blacksburg Blackstone Bloxom Bluefield Blue Ridge Bon Air Boones Mill Bowling Green Boyce Boydton Boykins Branchville Bridgewater Bristol Broadway Brodnax Brookneal Buchanan Buena Vista Bull Run Burke Burkeville Cana Cape Charles Capron Castlewood Cave Spring Cedar Bluff Centreville Chamberlayne Chantilly Charlotte Court House Charlottesville Chase City Chatham Chatmoss Cheriton Chesapeake Chester Chesterfield Court House Chilhowie Chincoteague Christiansburg Claremont Clarksville Claypool Hill Cleveland Clifton Clifton Forge Clinchco Clinchport Clintwood Cloverdale Coeburn Collinsville Colonial Beach Colonial Heights Columbia Courtland Covington Craigsville Crewe Crimora Crozet Culpeper Dahlgren Dale City Daleville Damascus Danville Dayton Dendron Dillwyn Dooms Drakes Branch Dryden Dublin Duffield Dumbarton Dumfries Dungannon Dunn Loring East Highland Park Eastville Edinburg Elkton Elliston-Lafayette Emory-Meadow View Emporia Ettrick Ewing Exmore Fairfax Fairlawn Fairview Beach Falls Church Falmouth Fancy Gap Farmville Ferrum Fieldale Fincastle Fishersville Floyd Forest Fort Belvoir Fort Chiswell Fort Hunt Fort Lee Franconia Franklin Fredericksburg Fries Front Royal Gainesville Galax Gate City Glade Spring Glasgow Glen Allen Glen Lyn Gloucester Courthouse Gloucester Point Gordonsville Goshen Great Falls Greenville Gretna Grottoes Groveton Grundy Halifax Hallwood Hamilton Hampden Sydney Hampton Harrisonburg Haymarket Haysi Herndon Highland Springs Hillsboro Hillsville Hollins Honaker Hopewell Horse Pasture Huntington Hurt Hybla Valley Idylwood Independence Iron Gate Irvington Ivor Jarratt Jefferson Jolivue Jonesville Keller Kenbridge Keokee Keysville Kilmarnock La Crosse Lake Barcroft Lake Monticello Lake Ridge Lakeside Laurel Laurel Park Lawrenceville Laymantown Lebanon Leesburg Lexington Lincolnia Linton Hall Loch Lomond Lorton Louisa Lovettsville Low Moor Luray Lynchburg Lyndhurst McKenney McLean Madison Madison Heights Manassas Manassas Park Mantua Marion Martinsville Massanutten Matoaca Max Meadows Mechanicsville Melfa Merrifield Merrimac Middleburg Middletown Mineral Montclair Monterey Montrose Montross Mount Crawford Mount Jackson Mount Vernon Narrows Nassawadox New Castle Newington New Market Newport News Newsoms Nickelsville Nokesville Norfolk North Shore North Springfield Norton Oak Level Oakton Occoquan Onancock Onley Orange Painter Pamplin City Parksley Patrick Springs Pearisburg Pembroke Penhook Pennington Gap Petersburg Phenix Pimmit Hills Pocahontas Poquoson Port Royal Portsmouth Pound Pulaski Purcellville Quantico Quantico Station Radford Raven Remington Reston Rich Creek Richlands Richmond Ridgeway Roanoke Rocky Mount Rose Hill CDP (Fairfax County) Rose Hill CDP (Lee County) Round Hill Rural Retreat Rushmere Rustburg St. Charles St. Paul Salem Saltville Sandy Level Saxis Scottsburg Scottsville Selma Seven Corners Shawsville Shenandoah Sherando Short Pump Smithfield South Boston South Hill Spotsylvania Courthouse Springfield Stanardsville Stanley Stanleytown Staunton Stephens City Stony Creek Strasburg Stuart Stuarts Draft Sudley Suffolk Sugar Grove Surry Tangier Tappahannock Tazewell The Plains Timberlake Timberville Toms Brook Triangle Troutdale Troutville Tuckahoe Tysons Corner Union Hall Urbanna Vansant Verona Victoria Vienna Villa Heights Vinton Virgilina Virginia Beach Wachapreague Wakefield Warrenton Warsaw Washington Waverly Waynesboro Weber City West Gate Westlake Corner West Point West Springfield Weyers Cave White Stone Williamsburg Winchester Windsor Wise Wolf Trap Woodbridge Woodlawn Woodstock Wyndham Wytheville Yorkshire Yorktown