What Are the Best Medicare Supplement Plans in Virginia?
Anthem Blue Cross Blue Shield has cheap rates for Plan G in Virginia.
Compare Medicare Plans in Your Area
Plus, Anthem has excellent customer service. If you want a cheaper plan that still has good coverage, Plan N from Mutual of Omaha is a good choice.
Medicare Supplement coverage is the same if you have the same plan letter, regardless of which company you buy it from. When choosing between Medigap providers, you should only pay attention to details like customer service reputation and price.
What's the best Medicare Supplement company in Virginia?
Anthem Blue Cross Blue Shield has the best Medigap plans in Virginia.
Anthem has cheap rates for Plan G, which is the best plan for most people. It also has excellent customer service, with very few complaints about its plans.
Top Medigap companies in Virginia
Company |
Customer satisfaction (out of 5)
| Plan G rate | |
|---|---|---|---|
| Anthem BCBS | 5.0 | $122 |
| Medico | 5.0 | $120 |
| Mutual of Omaha | 4.5 | $135 |
| Cigna | 4.5 | $150 |
| Aetna | 4.0 | $146 |
All rates are monthly and for a 65-year-old woman who doesn't smoke.
Medico has cheap rates for Medicare Supplement plans, but it isn't the best choice for most people. Although the company allegedly has few complaints about its Medigap plans, it has about twice the number of complaints about its products overall than an average company its size. The overall number of complaints is concerning.
Plan F is the most popular Medigap policy option in Virginia because it offers high levels of coverage. However, you can only buy a Plan F policy if you were eligible for Medicare before 2020. Plan G has the same coverage as Plan F, except it doesn't pay your $257 Medicare Part B deductible.
Plan G is usually the best choice if you're new to Medicare, or if Plan F costs at least $257 per year more than Plan G.
Best Medigap plans in Virginia overall: Anthem
-
Editor rating
Average cost of Anthem Medigap in Virginia:
- Plan A: $95
- Plan G: $122
- Plan N: $134
- Plan F: $177
- Plan B: $828
Anthem is the best Medicare Supplement company for most people in Virginia.
In Virginia, Plan G from Anthem costs $122 per month. That's $13 cheaper each month compared to the state average. And Plan G gives you excellent coverage.
Anthem is also a great option if you value good customer service. The company gets very few complaints about its Medigap plans. That means most people are happy with the service they get. Choosing a company with good service can help make things easier if you have a question or issue.
But Anthem isn't a good option for Plan N. Plan N from Anthem costs $134 per month, which is $35 more each month than the state average. Since Medigap plans of the same letter cover the same things no matter what company you choose, it makes sense to buy Plan N from a company with a lower rate, like Mutual of Omaha.
Cheapest Plan N in Virginia: Mutual of Omaha
-
Editor rating
Average cost of Mutual of Omaha Medigap in Virginia:
- *Plan G: $41
- Plan N: $89
- Plan A: $98
- Plan G: $135
- Plan F: $180
*High-deductible plan
Mutual of Omaha has some of the lowest rates for Plan N in Virginia
In Virginia, Plan N from Mutual of Omaha costs $89 per month. That's $10 less each month than the state average. Because Plan N has the same coverage no matter what company you pick, it makes sense to choose a company with a low rate.
Mutual of Omaha also has great customer service. The company has about 60% fewer complaints than expected for a company its size. Combined with the low rates, this makes Mutual of Omaha an excellent choice for Plan N.
Mutual of Omaha is also one of only a few companies in Virginia that sell the high-deductible version of Plan G. High-deductible Plan G is a good option if you're mostly healthy but still want good coverage in case something major happens. You have to pay $2,870 of your own medical bills each year before the plan starts paying, but then it covers everything that regular Plan G covers.
Best Medigap perks in Virginia: AARP/UnitedHealthcare (AARP/UHC)
-
Editor rating
Average cost of AARP/UHC Medigap in Virginia:
- Plan K: $56
- Plan L: $97
- Plan A: $102
- Plan N: $116
- Plan G: $135
- Plan B: $140
- Plan C: $175
- Plan F: $176
Medigap plans from AARP/UnitedHealthcare come with lots of extra perks.
AARP/UnitedHealthcare (AARP/UHC) doesn't have the cheapest Medigap rates in Virginia, but the extra perks might make up for the higher cost. With an AARP/UHC Medigap plan, you get discounts on hotels, car rentals, vision and hearing care, nutrition info, movie tickets and more.
You have to join AARP to buy an AARP/UnitedHealthcare Medigap plan. A membership costs $20 per year and unlocks AARP's extra perks. If you don't think you'll get much use out of the perks, AARP/UnitedHealthcare Medigap probably isn't worth it. Instead, choose a company with lower Medigap rates.
AARP/UnitedHealthcare also has great customer service, with 47% fewer complaints than an average company its size.
How much does Medigap insurance cost in Virginia?
The most popular Medigap plans in Virginia cost between $99 and $170 per month.
Compare Medicare Plans in Your Area
Virginia Medicare Supplement plans
Plan type | Monthly cost |
Popularity in Virginia
|
|---|---|---|
| Plan F | $170 | 43% |
| Plan G | $135 | 42% |
| Plan N | $99 | 7% |
| Plan J | N/A | 3% |
| Plan A | $132 | 1% |
Rates are based on a 65-year-old woman who doesn't smoke and lives in Virginia. Percentages may not add to 100 because of rounding and discontinued plan types. An * indicates a high-deductible plan.
More than 4 in 10 Medigap plans in Virginia are Plan F. Plan F is likely so popular because it has the best coverage. But Plan G is a better deal for most people, especially if you're new to Medicare. It costs $420 less per year than Plan F, and the coverage is almost as good.
The only difference between the two plans is that Plan F covers your $257 Part B deductible. That means even if you paid your entire Part B Medicare deductible, you would still save $163 by choosing Plan G. Plus, you can only get Plan F if you were eligible for Medicare before 2020.
Plan G offers the best combination of price and coverage among Medigap plans.
The cost difference between Plan F and Plan G grows larger as you get older. You can save $540 per year with Plan G at 75 and $660 per year at 85. That makes Plan G the better option no matter your age or coverage needs.
Can I have a Medigap plan with Medicare Advantage?
No, you can't buy a Medicare Supplement plan if you have a Medicare Advantage plan.
Medicare Supplement or "Medigap" plans are designed to fill the holes left in your coverage by Original Medicare (Parts A and B). You have a Medicare Supplement plan alongside Medicare Parts A and B.
Medicare Advantage plans are bundled coverage, so you don't technically have "Original Medicare". They take your Parts A and B and bundle them together into one plan with extra benefits. Medicare Advantage plans also require that you go to certain doctors. While Medigap plans have rigid rules about the sort of coverage they can offer, Medicare Advantage plans have more freedom when it comes to coverage.
Medicare Advantage plans must have at least the same coverage as Medicare Parts A and B. In addition, Medicare Advantage plans can offer extra benefits, such as prescription drug coverage, dental, vision and more.
Medicare Supplement plans are a better option if you need a lot of medical care or just want better coverage.
That's because Medicare Supplement plans usually pay for more of your medical bills than Medicare Advantage plans. Medigap usually costs more than Medicare Advantage, but you can save money overall if you have expensive medical needs.
It's a good idea to get a Medigap plan as soon as you're eligible for Medicare, called your initial enrollment period. The longer you wait, the more you'll pay for a plan. That's because, if you miss your initial enrollment period, your health can be used to set your rates.
If you get Medicare Advantage when you turn 65 and then decide you want to switch to Medigap when you're older, you might not be able to afford a plan.
Frequently asked questions
What is the best Medigap plan in Virginia?
Plan G is the best option for most people because it has good coverage and everyone can get it, no matter when you were eligible for Medicare. Anthem Blue Cross Blue Shield is the best Medigap company in Virginia, so Plan G from Anthem is the best option.
How much does Plan G cost in Virginia?
In Virginia, Plan G policy costs $135 per month, on average, for a 65-year-old woman who doesn't smoke. Your Medigap rate will vary depending on factors like your age, gender and history of tobacco use.
Which Medigap plan do most people choose?
Plan F is the most popular Medigap plan in Virginia. About 43% of people with Medigap plans in VA have Plan F. But you can only get Plan F if you could get Medicare before 2020. Plan G is the second-most-popular Medigap plan in Virginia. About 42% of all Medigap plans in the state are Plan G.
Sources and methodology
Rates for Medicare Supplement plans in Virginia for 2025 are from actuarial data for private health insurance companies. Other sources include America's Health Insurance Plans (AHIP) for plan popularity and the National Association of Insurance Commissioners (NAIC) for customer satisfaction.
NAIC complaint information was used to rate Medigap providers on a scale from one to five, with five signaling a low number of complaints.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
ValuePenguin.com is owned and operated by LendingTree, LLC ("LendingTree"). All rights reserved.
Invitations for application for insurance may be made through QW Insurance Solutions, LLC ("QWIS"), a separate subsidiary of QuoteWizard, LLC ("QuoteWizard"), a LendingTree subsidiary, or through its designated agents, only where licensed and appointed. QWIS is a non-government licensed health insurance agency and is not affiliated with or endorsed by any government agency. Find licensing information for QWIS.
Callers will be directed to a licensed and certified representative of Medicare Supplement insurance and/or Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations. Calls will be routed to a licensed insurance agent who can provide you with further information about the insurance plans offered by one or more nationally recognized insurance companies. Each of the organizations they represent has a Medicare contract. Enrollment in any plan depends on contract renewal.
Availability of benefits and plans varies by carrier and location and may be limited to certain times of the year, unless you qualify for a Special Enrollment Period. We do not offer every plan available in your area. Currently we represent 73 organizations that offer 5,110 products in your area. Contact Medicare.gov or 1-800-MEDICARE, or your local State Health Insurance Program (SHIP), to get information on all of your options.
These numbers provided are not specific to your area, but rather represent the number of organizations and the number of products available on a national basis. We will connect you with licensed insurance agents who can provide information about the number of organizations they represent and the number of products they offer in your service area. Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.
Medicare has neither reviewed nor endorsed the information contained on this website.
Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
MULTIPLAN_QW.VP.WEB_C
Editorial Note: We are committed to providing accurate content that helps you make informed financial decisions. Our partners have not endorsed or commissioned this content.