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Searching for Medicare Supplement plans in Virginia? Let PlanPrescriber be your resource for Virginia Medicare Supplement information and plan comparisons.
If you’re enrolled in Original Medicare (Part A and Part B) in Virginia, you may be able to apply for a Medicare Supplement (Medigap or MedSupp) plan to help cover Original Medicare’s out-of-pocket costs, such as deductibles, copayments, and coinsurance. In most states, including Virginia, there are up to ten standardized Medigap policy options, each labeled with a letter. Every plan of the same letter name offers the same set of standard benefits. Not all Medigap plans are available in every part of Virginia. Some companies may offer additional innovative benefits.
Insurance companies selling Virginia Medigap plans may not use medical underwriting during certain periods of time. As a Virginia Medicare beneficiary, you have a Medigap Open Enrollment Period, which lasts for six months and begins on the first day of the month that you are both at least 65 years old and enrolled in Medicare Part B. During this time, insurance companies may not require medical underwriting (a health screening to decide whether to accept a Medigap policy application or to charge higher premiums). In some cases, waiting periods may apply.
After this Medigap Open Enrollment Period, you can generally apply for Medigap plans at any time, but you may be subject to medical underwriting unless you qualify for guaranteed issue rights for special circumstances. Examples of special circumstances might be when an employment or retirement health plan terminates coverage or a beneficiary moves of a Medigap plan’s service area.
Also please note that Medigap plans can’t be used with Medicare Advantage plans.
Here’s a list of the 10 standardized Medigap plans that may be available in Virginia. This table may help you to understand what each Medicare Supplement plan covers. In the chart below, X indicates that the service (or item) is 100% covered; a percentage indicates what percent of the service/item is covered; and a blank cell indicates it is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F1||G4||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional
365 days after Medicare benefits are exhausted
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X3|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply2|
1As of January 1, 2020 people new to Medicare can’t buy plans that cover the Medicare Part B deductible. This means that Medicare Supplement Plans C and F will no longer be available to new Medicare enrollees. However, if you already have a Plan C, Plan F, or high-deductible Plan F, you can keep it. If you were eligible for Medicare before January 1, 2020, you also may be able to buy Medicare Supplement Plan C, F, or high-deductible Plan F.
2Medicare Supplement Plans K and L pay 100% of covered services in the table above for the rest of the calendar year, after you reach the out-of-pocket limits (including the Part B deductible).
3Under Medicare Supplement Plan N, although the plan pays 100% of the Medicare Part B coinsurance, you may need to make a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission.
4Plan G will offer a high deductible option beginning January 1, 2020.
After reading about Medigap plans in Virginia, are you curious to see what plans are offered in the area where you live? You can find out right away by entering your zip code in the form on this page, and start comparing plans and prices.
Learn more about how Medicare plans work in Virginia including:
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.