Medicare Supplement Plans in Virginia

Jory Cross by Jory Cross | Licensed since 2012

This article was updated on: 11/01/2018

If it’s important to you to save money on health-care costs, you might be interested in learning about Medicare Supplement plans in Virginia. They may help with the “gap” left by Original Medicare (Part A and Part B) – those expenses you typically have to pay, like coinsurance and deductibles.

Medicare Supplement plans in Virginia: an overview

When you go to the doctor’s office under Original Medicare (Part A and Part B), you may have to pay the Part B deductible. Then, you’ll generally have to pay a coinsurance or copayment amount for many types of medical services.

And if you go to the hospital, you may also face a deductible: the Part A deductible. After a certain length of time in the hospital, you might also pay coinsurance amount for every day you’re an inpatient.

You may be happy to hear that Medicare Supplement plans in Virginia (as in all states) typically help pay for certain out-of-pocket costs, like that coinsurance mentioned above. Some plans generally pay the Part A and/or Part B deductible as well.

Medicare Supplement plans in Virginia: a closer look

Medicare Supplement plans in Virginia (and in most states) are standardized with lettered names. There are 10 of them: Medicare Supplement Plan A, Plan B, Plan C, and so on up to Plan N. (Plans E, H, I, and J are no longer sold.) Each plan of the same name has the same basic benefits no matter where you buy it.

All 10 standard Medicare Supplement plans in Virginia have some basic benefits in common. All of them generally cover an extra year (365 days) of Medicare Part A hospital costs and coinsurance after Medicare benefits run out.

Each of them may cover at least 50% of the following costs. Most plans cover 100% of these costs.

  • Medicare Part A hospice coinsurance or copayments
  • First 3 pints of blood
  • Medicare Part B coinsurance or copayments

Here’s a comparison chart of all 10 Medicare Supplement (Medigap) plans.

Not every Medicare Supplement plan may be available in your part of Virginia. Also, please note that premiums can vary from one insurance company to another, even for the same plan. For example, if you decide you want Medicare Supplement Plan A, you may want to shop around – you might find different companies charge different premiums for this plan.

You can see for yourself which Medicare Supplement plans in Virginia may be available to you just by clicking the Find Plans button on this page.

Medicare Supplement plans in Virginia: what else should I know?

Medicare Supplement plans in Virginia (and all states) are guaranteed renewable. That means that once you have this type of plan, your plan can’t drop you as a member unless you don’t pay your premium; the plan goes bankrupt; or you weren’t honest on your application.

If you think you’d like to buy a Medicare Supplement plan in Virginia, please be aware that there’s a certain time when you can buy a plan and be sure you’ll be accepted, even if you have a health problem. If you don’t buy the plan during this time, it’s possible you might not be accepted, or you might have to pay more.

The time when you have a “guaranteed-issue right” to a plan is called your Medicare Supplement Open Enrollment Period (OEP). Your six-month OEP starts the first month when you’re at least 65 years old and enrolled in Medicare Part B.

You can usually go to any doctor that accepts Medicare assignment when you have a Medicare Supplement plan in Virginia. On the other hand, if you have a Medicare Advantage plan, you might have to see only the doctors in the plan’s network.

Do you have questions about Medicare Supplement plans in Virginia? Just follow the links below to set up a phone call with me or have me email you information. You can also compare Medicare Supplement plans in Virginia anytime – click the Find Plans button on this page to get started.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

Jory Cross |
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