Medicare Supplement Cost in Virginia

Medicare Supplement Plan G in Virginia costs approximately $160/month for a 65-year-old non-tobacco user. Plan N averages $127/month. Rates increase with age — at 75, expect $$237/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.

Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Virginia. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$45/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.

The standard Medigap Open Enrollment Period in Virginia is the 6-month window starting the month you turn 65 AND are enrolled in Part B. During this window, any insurer must sell you any plan at standard rates regardless of your health history. After this window closes, insurers can charge more or deny coverage based on health conditions. Enroll during this window even if you feel healthy — it's your guaranteed access.

Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.