Compare Medicare Plans in Virginia (January 2025)

Key Takeaways:

• Virginia offers 147 Medicare Part C and 16 Part D plans. All beneficiaries in the state also have access to at least one Part C and Part D plan with zero premiums.
• To get the full value of a Medicare plan, look beyond low premiums and compare providers based on their networks, additional benefits, and local partnerships.
• Popular Medigap plans in Virginia include Plan G and Plan N, which help cover out-of-pocket costs associated with Original Medicare.

Making informed choices about your Medicare coverage is critical for your health and financial well-being.

Medicare beneficiaries in Virginia must balance healthcare coverage with costs, provider networks, and access to specialized care and services while comparing plans.

This guide breaks down your Medicare coverage options in Virginia, helping you navigate the many options and find the right coverage at the right cost.

Types of Medicare Plans Available in Virginia

Medicare offers a wide range of plan options for eligible Virginia residents.

Original Medicare (Part A and Part B)

Original Medicare is the foundation of healthcare coverage for most US citizens over the age of 65 and those with certain disabilities and diseases.

This federal health insurance program has two components:

• Medicare Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing care, and hospice services. Most Virginia residents qualify for premium-free Part A coverage if they or their spouse paid Medicare taxes for at least 40 quarters during their working years.
• Medicare Part B (Medical Insurance) handles outpatient care, including doctor visits, preventive services, and durable medical equipment. In 2025, Virginia residents will pay a standard Part B premium of $185 monthly, though this amount may increase for higher-income beneficiaries.

Original Medicare also involves additional out-of-pocket costs.

After you’ve paid your annual deductible, you typically pay 20% of Medicare-approved costs for Part B services. For Part A services, you’re responsible for a deductible during each benefit period, along with potential coinsurance for extended hospital stays.

Data sourced from Medicare Basics.

Medicare Advantage (Part C)

Medicare Advantage or Part C plans in Virginia offer an alternative way to receive Medicare benefits through approved private insurers.

These plans bundle Original Medicare coverage with additional benefits, such as prescription drug coverage, dental care, vision services, wellness programs, and more.

• There are 147 Medicare Advantage plans in Virginia in 2025, compared to 142 plans in 2024.
• The average monthly Medicare Advantage plan premium fell from  $13.56 in 2024 to $12.91 in 2025.
• The lowest monthly premium for a Medicare Advantage plan is $0, and all Medicare beneficiaries in Virginia have access to at least one zero-premium plan.

Learn more: How to Pick the Medicare Part C Plan That Is Best for You.

Top Medicare Advantage Plans in Virginia:

Data gathered via CMS.gov and direct provider plans. Comparison of plans from Virginia Zip Code 23450. Star ratings and plan information reflect publicly available data as of 2025.

Top Medicare Advantage providers in Virginia include:

• UnitedHealthcare
• Aetna
• Humana
• Kaiser Permanente
• Cigna

Take Control of Your Health and Wallet.

Choosing the right Medicare plan in Virginia can make a huge difference to your healthcare experience and financial well-being.

At CoverRight, we help you understand the options and find the plan that fits your unique healthcare needs and budget.

Medicare Prescription Drug Plans (Part D)

Medicare Part D plans provide essential prescription drug coverage for Virginia’s Medicare beneficiaries. These standalone plans work alongside Original Medicare to help manage medication costs and ensure regular access to necessary prescriptions.

When comparing Part D plans in Virginia, consider both your current and future medication needs.

Each Part D plan comes with its own formulary (list of covered drugs) with different pricing tiers that affect out-of-pocket costs. Compare plans thoroughly to ensure you have access to essential medication at a cost you’re comfortable with.

In 2025, Virginia has 16 stand-alone Medicare Part D plans, with all residents having access to at least one.

• 73.23% of Virginia Medicare beneficiaries will be able to switch to a plan with a lower premium compared to 2024.
• 23.71% of Virginia residents with a Part D plan are eligible for Extra Help, a financial support program for those needing prescription drugs.
• The lowest monthly premium for a Medicare Part D stand-alone plan in Virginia is $0.

Note: Data from MedicareWire.

Medicare Supplement (Medigap)

Medicare Supplement or Medigap plans help manage the numerous out-of-pocket costs associated with Original Medicare, such as copayments, coinsurance, and deductibles.

They are invaluable for beneficiaries with chronic health conditions or those who require frequent care.

Among the 10 different standardized Medigap plans, Plan G and Plan N are popular choices.

• Plan G offers comprehensive coverage by paying for nearly all Medicare-approved costs except the Part B deductible.
• Plan N provides similar benefits at a lower premium point but includes some cost-sharing features. It also does not cover Part B excess charges.

Although all Medigap plans offer the same basic benefits, premiums can vary significantly depending on the insurer.  Evaluate and compare them carefully to find the best value for your needs.

Leading Medigap providers for Plan G and Plan N in Virginia include:

• Thrivent
• Pekin Insurance
• Anthem Blue Cross and Blue Shield
• Americo Life

Learn more: 5 Reasons Why You Should Consider Medigap.

Average Costs of Medicare Plans in Virginia

This chart helps you understand the financial costs of various Medicare plans in Virginia.

Note: All data reflect 2025 averages sourced from Medicare.gov, CMS.gov, and MedicareWire and may vary by provider.

Top Medicare Advantage and Medigap Providers in Virginia

Choosing the right insurance provider is a crucial step in your Medicare journey.

Let’s discuss choosing the best Medicare Advantage and Medigap providers in Virginia.

Learn more: Medicare Advantage vs. Medicare Supplement: How to Choose?

Best Medicare Advantage Providers

When selecting a Medicare Advantage plan in Virginia, it’s important to look beyond low or zero premiums.

The true value of a Medicare Advantage plan lies in the reliability of its provider, the range of benefits offered, and the extent of network coverage.

The best providers stand out for their:

• Robust provider networks spanning both urban and rural areas of Virginia.
• Strong relationships with major medical centers and facilities in the state.
• Comprehensive prescription drug coverage options.
• Additional benefits such as dental, vision, and wellness programs.
• High member satisfaction ratings and quality scores.

Best Medigap Providers

Medigap providers in Virginia help you manage the costs of Original Medicare and make healthcare costs more affordable.

The most important criteria for choosing a Medigap provider in Virginia are reliable claims processing, financial stability, and consistent customer service.

Let’s go through the top Medigap Plan G and Plan N providers in Virginia:

Plan G Providers

Plan N Providers

Note: Data for Plan G and Plan N from MedicareWire.

How to Choose the Right Medicare Plan in Virginia

Choosing the best Medicare plan in Virginia depends on your healthcare needs, lifestyle, needs, and financial situation.

Here’s how to go about it: 

• Assess your healthcare usage patterns and consider any chronic conditions that require ongoing care.
• Consider your preferred healthcare providers and verify their network participation.
• Check network adequacy in different areas, especially if you split time between Virginia and other states.
• Compare total annual costs and not just monthly premiums. Factor in deductibles, copayments, and coinsurance as well.
• Assess the value of additional benefits, such as prescription drug coverage, dental, vision, and hearing services, and wellness programs.

Learn more: How Much Medicare Costs in 2025

How to Enroll in a Medicare Plan in Virginia

Let’s understand Medicare enrollment in detail to help you avoid costly premiums and other headaches.

Here are the key enrollment periods:

Initial Enrollment Period (IEP) 

This is your first chance to enroll in Medicare while avoiding potential penalties and coverage gaps.

Your IEP is a seven-month period that begins three months before your 65th birthday month, includes your birth month, and extends three months thereafter.

You can sign up for Original Medicare, a Medicare Advantage plan, and/or a Part D prescription drug plan during this time.

Annual Enrollment Period (AEP)

Medicare beneficiaries can reevaluate and make changes to their coverage from October 15th to December 7th of each year.

During this time, you can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, enroll in a Part D plan, or switch Part D plans.

Learn more: Open Enrollment vs Annual Enrollment: Difference Between AEP and OEP.

Medicare Advantage Open Enrollment (MA OEP)

If you’re already enrolled in a Medicare Advantage plan, you have a separate enrollment period from January 1st to March 31st each year.

This is when you can change your Medicare Advantage plan or switch back to Original Medicare if you prefer.

Special Enrollment Periods (SEPs) may kick in if you experience qualifying life events such as relocating or losing coverage. They provide a window to enroll in Medicare or change coverage options outside the standard enrollment periods.

Steps to Enroll

Let’s go over the application and enrollment process step by step.

1. Prepare Your Documents: Gather your Medicare card (if already enrolled), Social Security card, birth certificate, and any other relevant personal information.
2. Research Your Options: Use the Medicare Plan Finder tool to compare plans, explore costs and benefits, and check provider networks.
3. Enroll In Person, Online, By Phone, or with an Agent: You can enroll in person by visiting your local SSA office. Find it through the SSA office locator.

You can enroll in a Medicare plan online, by phone at 1-800-MEDICARE (1-800-633-4227), or with a licensed insurance agent such as CoverRight.

Medicare Resources for Virginia Residents

Medicare can be complex, but Virginia offers a variety of free resources to help residents.

• Virginia Insurance Counseling and Assistance Program (VICAP): VICAP offers free, unbiased counseling and assistance to Medicare beneficiaries in Virginia. Its trained counselors can help you understand your Medicare options, compare plans, and resolve issues with your coverage. You can reach VICAP by calling 1-800-552-3402 or visiting its website.
• Virginia Senior Medicare Patrol (SMP): The SMP is a valuable resource for protecting yourself from Medicare fraud and abuse. It provides information and assistance in identifying and reporting potential fraud, errors, and scams.
• Office for Aging Services: It provides information and resources on various aging-related topics, including Medicare. You can learn more about the different parts of Medicare, coverage details, and enrolment processes on its website.

Make Medicare simple in Virginia.

At CoverRight, our specialists deeply understand the Medicare system and the South Virginia healthcare market. We’ll help guide you to coverage that fits your life and budget.

Start today.

Sources

1. Centers for Medicare & Medicaid Services (CMS)
   • Medicare Open Enrollment Partner Resources. Published 2024. Available at: cms.gov. Last Accessed January 6, 2025.
2. Centers for Medicare & Medicaid Services (CMS)
   • 2024 Medicare Advantage and Part D Ratings Fact Sheet. Published October 13, 2023. Available at: cms.gov. Last Accessed January 6, 2025.
3. Medicare.gov
   • Medigap Coverage Information: When to Buy. Available at: medicare.gov. Last Accessed January 6, 2025.
4. Medicare.gov
   • Medigap Overview. Available at: medicare.gov. Last Accessed January 6, 2025.
5. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 6, 2025.
6. Medicare.gov
   • When Does Medicare Coverage Start? Available at: medicare.gov. Last Accessed December 29, 2024.
7. Medicare.gov
   • What Does Medicare Cost? Available at: medicare.gov. Last Accessed January 6, 2025.
8. Kaiser Family Foundation (KFF)
   • Key Facts About Medicare Part D Enrollment, Premiums, and Cost Sharing in 2024. Available at: kff.org. Last Accessed December 30, 2024.

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