Medicare Supplement Insurance (Medigap) helps Virginia seniors and eligible disabled residents cover out-of-pocket healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. Virginia residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Virginia
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 206,607 |
| 2 | G | 171,639 |
| 3 | N | 32,518 |
Did you know? Virginia still has more than 200,000 residents enrolled in Plan F, making it one of the states where this now-closed plan remains especially dominant. Even as Plan G rises in popularity, many Virginians continue to hold on to their long-standing Plan F coverage.
How Medigap Pricing Works in Virginia
Premiums for Medigap coverage can vary depending on the pricing method used by insurers. In Virginia, plans may follow one of three rating models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at the time of purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in Virginia
Virginia requires insurers to offer at least one Medigap plan to beneficiaries under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). The state also places restrictions on how these premiums can be priced, providing protections for younger beneficiaries.
Choosing a Medigap Plan in Virginia
While Plan F remains the most popular choice, Plan G has grown quickly as new enrollees look for strong, comprehensive coverage. Plan N also offers a lower-cost option with modest cost-sharing. All Medigap plans are accepted nationwide at providers that take Medicare, ensuring Virginia residents have coverage whether they receive care in Richmond, Norfolk, or across the country.
To explore premiums and compare plan options in your ZIP code, visit our Medigap rate comparison page.