Best Medicare Supplement Plans in Virginia 2024

Of the ten Medigap plans offered in Virginia, we found Allstate Health Solutions offers the best Medicare Supplement plan rates for 2024.

Plan G is the most comprehensive plan, and Allstate has the best rate in Fairfax County at $125.31 per month. Allstate’s Plan N has the most competitive rate in Virginia Beach County at just $97.42. 

Our Allstate Medicare Supplement Review highlights key details: affordable premiums (12% below average), stackable discounts (up to 25%), excellent financial ratings, user-friendly web access, and a range of Medigap coverage options in Virginia.

Allstate offers policyholders perks like access to the Active&Fit fitness program, guaranteed renewable policies for life, no referral requirement for specialists, nationwide coverage with Medicare providers, and a 30-day trial period.

Additionally, Allstate provides dental insurance with three coverage levels, and policyholders receive a 10% discount when pairing it with a Medicare Supplement plan.

Over 444,095 Virginia residents benefit from a Medicare Supplement; of those, over 40% selected Plan G, and 8% enrolled in Plan N.

  • Plan G Overview

    $125.31 per month (average)

    Plan Highlights:

    • Over 171,639 people wisely chose Plan G, highlighting its popularity and member satisfaction.
    • Unlike a Medicare Advantage plan, Plan G has no network limits.
    • Benefits remain the same year-over-year.
  • Plan N Overview

    $97.42 per month (average)

    Plan Highlights:

    • Plan N attracted enrollment from over 32,518 beneficiaries, solidifying its position as the second most preferred plan.
    • No network limits.
    • $25 copay for office visits.
    • $50 copay for ER visits.

To find the best Medicare Supplement plan in Virginia, we only considered financially viable options from companies with a proven track record of stability.

New companies may not necessarily have lower rates, and these relatively unknown insurance providers may increase prices unexpectedly. Therefore, it’s better to save money and avoid problems by sticking with familiar and trustworthy brands.

Best Plan G Rates: Allstate

Start Quote
Average Plan G Cost in Fairfax County, VA:
Female Ages:

65:  $110.92

70:  $117.92

75:  $142.25

Male Ages:

65:  $125.31

70:  $146.03

75:  $156.76

Plan G Overview:

The benefits offered with Allstate Plan G are vast and include Part B excess charges, Medicare Part A deductible, foreign travel emergency care, and Part B coinsurance.

Lastly, no referrals are required, and any networks limit your choice of providers. You can pick any medical provider if they participate in the Original Medicare network.

Best Plan N Rates: Allstate

Start Quote
Average Plan N Cost in Virginia Beach County, VA:
Female Ages:

65:  $86.25

70:  $100.48

75:  $116.39

Male Ages:

65:  $97.42

70:  $113.52

75:  $131.49

Plan N Overview:

Medigap Plan N from Allstate allows you to visit any doctor who accepts Original Medicare. Your benefits are set each year if you choose this plan, and it has a copay of $25 for office visits and a $50 copay for ER visits.

You also have the option to add dental insurance to cover additional needs.

Plan N Helps Pay the Following:
  • Original Medicare Part A and B coinsurance
  • Part A deductible
  • Emergency care
  • Lower out-of-pocket expenses overall
  • Access to the Active&Fit fitness program

What's the Best Medicare Supplement Insurance Company in Virginia?

The overall best Medigap provider in Virginia is Allstate.

They are the most popular provider we reviewed because they offer cheaper Medigap plans in Virginia. However, it’s important to note that the best Medicare Supplement company depends on the specific letter plan you are looking for.

For example, one company might have a more affordable Plan N while another might have a better price for Plan G. It’s also worth considering that each company has its advantages and disadvantages based on its available plan options.

Plan G
Plan N
Cost by CountyFinancial
Allstate Health Solutions0.01%$110.15$85.63LoudounA+
ACE Insurance Company0.16%$129.83$98.33SuffolkA-
Continental Life Insurance (Aetna GRP)6.85%$139.36$92.38ChesterfieldA
Accendo (CVS and Aetna affiliate)6.85%$163.85$107.12ChesapeakeA
Cigna Health Group4.95%$160.03$109.27Prince WilliamA
Mutual of Omaha13.50%$150.77$111.02HenricoA+

Virginia has ten standardized Medigap plans, all with the same coverage regardless of which company you choose. Furthermore, there may also be a high deductible Medigap option in some areas.

In addition, many plans do not have a specific network of providers, which means you have the flexibility to see any healthcare provider that accepts Original Medicare.

When considering different insurance companies, it’s helpful to compare their costs and policyholder satisfaction ratings to make an accurate comparison.

How Much Does a Medigap Plan Cost in Virginia?

Premiums for a Virginia Medicare Supplement plan can cost as little as $51 or as high as $178, depending on your age and the level of coverage you choose.

Medigap PlanMonthly CostCost by CountyEnrollment in Virginia
Plan F$171.51Arlington47%
Plan G$125.31Norfolk39%
Plan N$83.00Richmond7%
High Deductible G$51.50Newport News1.6%
Plan A$103.83Stafford0.42%
Plan K$58.69Alexandria0.34%
Pro tip:
  • Virginia residents are exempt from tobacco rates when applying for a Medigap plan during Open Enrollment or in guaranteed issue situations.

What Is the Maximum Out-Of-Pocket for Medicare Supplement Plan G?

Plan G’s out-of-pocket maximum aligns with the Medicare Part B deductible of $240 for 2024. In contrast, the out-of-pocket maximum for a Medicare Advantage plan can reach as high as $8,850 in 2024. This significant difference establishes Plan G as the superior choice, providing comprehensive protection overall.

Final Verdict

We have much experience helping Medicare beneficiaries and know there’s no perfect Virginia Medicare Supplement plan.

When looking for a Medicare Supplement insurance plan, it is important to assess your healthcare needs. We can help you with this by providing helpful information to assist with your decision.

Key takeaways:

After years in the industry and helping countless people find coverage, we have come to love Allstate above the rest. Our clients who choose them often stay with them for a long time because they are simply that good.

Choosing the right Medicare plan is not a decision that should be taken lightly. With Policy Guide’s assistance, you will have access to the knowledge and expertise of professional agents who can help you compare different health plans, prices, and policies to ensure that you make an informed decision. Let us guide you through this process so your chosen plan best suits your needs.

Article Sources:  Virginia Medigap Guide  |  Plan Cost  |  When Can I Apply?  |  VA AHIP

Frequently Asked Questions

Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.