Health Care Planning · Virginia

Medicare Supplement (Medigap) in Virginia

Medicare pays a lot, but not everything. Medigap is the private coverage that fills the deductibles, copayments, and coinsurance Parts A and B leave behind. Here is how it works in Virginia, and the one window that matters more than everything else.

Open the Virginia Premium Finder Compare every company's current Medigap rates, straight from the state regulator

The three facts that simplify everything

1. Plans are standardized by letter, A through N. Every company selling Plan G in Virginia must provide exactly the same Plan G benefits. The plan letter determines what is covered; the company determines what you pay and how the premium behaves over time. That means you are really shopping for two things: the right letter for your situation, and a company with a fair price and a stable rate history. (One naming trap: Medigap Plans A through N are not the same thing as Medicare Parts A and B.)

2. The premium is in addition to Medicare. A Medigap premium sits on top of your Part B premium, and Medigap does not include prescription coverage, so most people pair it with a separate Part D drug plan. Your true monthly health care cost in retirement is the sum of all three.

3. Timing is the whole ballgame.

Your six-month open enrollment window begins the month you are both 65 and enrolled in Part B. During those six months, companies must sell you any plan they offer regardless of your health, at standard rates. After the window closes, an insurer can generally ask health questions and may decline you or charge more. This is one of the most consequential deadlines in all of retirement planning, and it passes quietly.

Compare every company's real Virginia premiums

Rates change every year and vary widely between companies for identical coverage. Rather than reprint numbers that go stale, we will send you straight to the source: the State Corporation Commission's Bureau of Insurance maintains a premium comparison tool with current filed rates for the companies selling Medigap in Virginia.

Virginia Medigap Premium Finder

The Commonwealth's official tool for shopping companies and comparing annual premiums, plan by plan. Always current, because it is the regulator's own data.

Open the Premium Finder Source: Virginia State Corporation Commission, Bureau of Insurance

Two cautions worth knowing before you shop

If you have retiree coverage, be careful before dropping it. Some employer retiree plans include benefits no Medigap policy offers, and in most cases, once you drop a retiree policy you cannot get it back. Compare the full picture, including spousal coverage, before making a permanent move for a cheaper premium.
Ask about rate history, not just today's price. Two companies can quote similar premiums today and treat you very differently over the next decade. Before choosing, ask how much the company has raised rates on your plan in Virginia in recent years.

Official resources

Virginia SCC Medigap CenterThe Bureau of Insurance's consumer hub for Medigap in Virginia, including the free consumer guide. Medicare.gov: MedigapFederal overview of how Medigap works, plan benefit charts, and enrollment rules. VICAP (Virginia SHIP)Free, unbiased Medicare counseling from trained counselors who do not sell insurance. Bureau of Insurance: (800) 552-7945Questions or complaints about an insurance company operating in Virginia.

Where Medigap fits in your plan

Health care is the roof of the MV Blueprint: the layer that shelters everything beneath it in later life. In a complimentary review we look at your Medicare timing, the premium math against your income plan, and how the pieces fit together. For the current premiums, deductibles, and income brackets themselves, see our companion page: 2026 Medicare Costs. If what you have is already right, that is exactly what we will tell you.

Schedule a Complimentary Review

Information drawn from Virginia State Corporation Commission Bureau of Insurance and CMS consumer materials; verified August 2026. Mountain View Wealth Management, LLC is a registered investment adviser and is not affiliated with the State Corporation Commission, Medicare, CMS, or any government agency. This page is educational only and is not insurance, legal, or tax advice; plan availability, benefits, and rules can change. Confirm current details with the official sources above before making decisions.