Buyers Guides » Medicare Supplemental Insurance » Best Medicare Supplement Companies in Virginia

Best Medicare Supplement Companies in Virginia

We choose the best Medicare supplement companies in Virginia based on coverage options, costs and customer reviews.

Latest update: September 2, 2022

Medicare Supplement Companies in Virginia

United Medicare Advisors

United Medicare Advisors simplifies finding the right Medicare supplement insurance by providing tools to compare plan benefits and costs. The company provides options from more than 20 providers to consumers across 45 states.

Humana

Humana offers Medicare supplement insurance Plans A through N in most states. Each Humana policy comes with benefits other companies don’t offer. Perks include discounts for using electronic payments, fitness programs and more.

Cigna Medicare Supplement

Cigna is an industry-leading Medicare supplement insurance company, serving 95 million customers. Plans work with any provider that takes Medicare. Cigna offers plans for Part A, B, C, D, F, HD-F, G and Part N.

Active Medicare Solutions

Locally owned independent agency specializing in personalized service to help clients find the best Medicare supplement insurance program for their needs. Meet with a consultant in your own home.

Boomer Insurance Group

Independent, local insurance agency focused on finding the best Medicare solutions for clients’ specific situations. Schedule a free in-home consultation.

Anthem Health Plans of Va Inc

Richmond’s local BlueCross BlueShield provider. Choose from several Medicare supplement plans, A, N, G or F. Premiums start at $122 per month. Add dental and vision starting at $19 per month.

SMH Insurance Agency, Inc.

Specializes in Medicare insurance plans. Get a live quote online or schedule a private, free call with a licensed agent to review your options. Compare plans from up to 25 providers.

Shenandoah Life Insurance Company

Provides life insurance, annuities and supplemental health insurance including Medicare supplements. Contact an agent for a quote.

Marketplace Insurance Agency & ElderCare Associates

Independent local agency. Offers Medicare supplement plans from multiple providers. Serves seniors in Shenandoah Valley and Virginia.

Optima Health

Licensed plan advisors explain how the Medicare process works and discuss your options to find the best coverage. Plans start at $0 and include many free extra benefits, such as gym membership.

Lyons & Associates

Family-owned insurance broker representing several providers to bring clients the best coverage. Meet with an agent in person to compare plans and learn about the enrollment process.

Virginia Premier

Plans for individuals eligible for Medicare and Medicaid. Coverage includes dental, vision, transportation and more valuable perks. Premiums start at $0.

United Healthcare

Nationwide insurance carrier. Offers AARP-endorsed Medicare Supplement Plan. Choose any doctor and keep coverage when you travel anywhere in the US.

Medicare Supplement Costs in Virginia

According to the State Corporation Commission of Virginia website, Medicare Supplement costs range from $985 – $2,057 for annual premiums.

Virginia Medicare Supplement Costs by Policy (Annual Premiums)
Policy Annual Premiums (Range)
Plan A $1,058 – $1,561
Plan F/F+ $1,510 – $2,057
Plan G/G+ $1,301 – $1,711
Plan N $985 – $1,367

Data collected by State Corporation Commission of Virginia

When should Enroll in a Virginia Medicare Supplement Plan?

In Virginia, the best time to enroll in a Medicare supplement plan is the six month window after you turn 65 and enroll in Medicare. During this enrollment window, providers are prohibited from subjecting your application to medical underwriting, which means insurers can’t deny coverage based on preexisting conditions or charge you higher premiums based on your medical history. This is called a guaranteed issue right. If you or your spouse are still working after 65 and still covered by employer health insurance, you can delay Medicare enrollment. The guaranteed issue will still coincide with your initial Medicare sign up.

Technically, you can sign up for supplemental Medicare coverage any time, but after the six-month window, your application will be subject to medical underwriting. There are also several exceptions that allow Medicare beneficiaries guaranteed issue rights for supplement plans in Virginia, such as if your provider goes bankrupt and you need to find new coverage.

The open enrollment period for Medicare does not apply to Medicare supplement plans.

Medicare Enrollment In Virginia

Virginia residents who are turning 65 in three months can begin the enrollment process for Medicare, as well as those under 65 with certain disabilities. Virginia law allows Medigap insurers to choose their own ratings system, so supplemental plan providers can increase premiums with age. But, as long as you continue to pay your premiums, standardized Medigap policies are guaranteed renewable – even if your health deteriorates.

Virginia law requires Medicare supplement plans to conform to federal standards and not to duplicate any coverage under Medicare. The law also says that supplement plans must be guaranteed renewable for persons under 65 who enroll because of an eligible disability.


Active Medicare Solutions

Active Medicare Solutions

Talk to a local agent at Active Medicare Solutions to get help understanding and enrolling in Medicare, supplemental coverage, and prescription drug plans. The company partners with many Medicare and supplemental providers to offer a range of options. Customers can meet with a specialist in your home for a free consultation. Active Medicare Solutions consistently gets five stars for helping clients make educated decisions, finding coverage tailored to specific health needs, and making supplemental choices easy to understand.

Active Medicare Solutions
Address 11057 Three Chopt Rd, Henrico, VA 23233
Phone Number (804) 874-6000


Boomer Insurance Group

Boomer Insurance Group

Boomer Insurance serves central Virginian residents by specializing in Medicare and supplemental plans from multiple providers. Customers can call any time with questions about Medicare supplement insurance, to review their current plan to make sure they’re getting the maximum benefits for the best value, or to set up an in-home meeting with a specialist. Boomer Insurance repeatedly earned five stars for helping customers sort through the complex world of Medicare in a friendly and no-pressure way. Reviewers liked the fast response times, knowledgeable agents, and personalized approach.

Boomer Insurance Group
Address Richmond Metro Area, VA
Phone Number (804) 464-8960


Anthem Health Plans of Va Inc

Anthem Health Plans of Va Inc

Enter your zip code, birth date, and effective Medicare coverage date to find plans available in your area from Anthem Health Plans. Anthem offers several Medicare supplement plans in Virginia, with discounts available for autopay or annual payment of a premium in one lump sum instead of monthly. Customers can save 5% for members enrolled from the same household. Premiums range from $122 to $145 per month, with optional dental and vision care starting at $19 per month. Reviewers gave five stars for great customer service.

Anthem Health Plans of Va Inc
Address 2015 Staples Mill Rd, Richmond, VA 23230
Phone Number (804) 354-2457


SMH Insurance Agency, Inc.

SMH Insurance Agency, Inc.

SMH Insurance Agency specializes in working with Medicare insurance plans and is a local authorized BlueCross BlueShield agent. Customers can get help with enrolling in Medicare and supplement plans, can compare plans from up to 25 providers and get an instant live quote, or can contact the company to review options. Customers gave SMH five stars for their knowledgeable agents who provide help with enrollment and are great to work with. Reviewers also cited quick response times, even on the weekend, and an easy enrollment process.

SMH Insurance Agency, Inc.
Address 4201 Cutshaw Ave, Richmond, VA 23230
Phone Number (804) 658-1656


Shenandoah Life Insurance Company

Shenandoah Life Insurance Company

Shenandoah Life Insurance Company offers Medicare supplement plans so clients can rest assured that unexpected retirement costs are covered and can focus on other aspects of life. Reviewers who gave it five stars said this company provided great customer service, that agents were helpful when filing a claim, and that products were easy to use and understand.

Shenandoah Life Insurance Company
Address 4415 Pheasant Ridge Rd #300, Roanoke, VA 24014
Phone Number 1800-848-5433


Marketplace Insurance Agency & ElderCare Associates

Marketplace Insurance Agency & ElderCare Associates

A certified professional from Marketplace Insurance Agency & Eldercare Associates will review your Medicare insurance options to choose the right plan for you. The company is an independent insurance agency that partners with multiple carriers to provide the best solutions to customers. The company is also focused on compliance and ethics to prevent, detect, and resolve violations of law by any of the insurance carriers it works with. Reviewers were thankful for assistance from this company and said agents helped sort through the “nightmare” that is Medicare. Others said agents were helpful in selecting supplemental insurance when signing up for Medicare.

Marketplace Insurance Agency & ElderCare Associates
Address 1502 Brookhaven Dr, Harrisonburg, VA 22801
Phone Number 1877-433-1149


Optima Health

Optima Health

Optima Health plans include coverage for vision, dental, and hearing, along with over-the-counter and prescription drug coverage. Premiums start at $0 per month. Customers can choose from several plans. Extra benefits include SilverSneakers, chiropractic care, and more perks at no additional cost. Customers who gave five stars said they received assistance from great employees. Others appreciated the extra wellness and preventive care benefits and said they were able to afford prescriptions.

Optima Health
Address 4417 Corporation Ln, Virginia Beach, VA 23462
Phone Number 1877-552-7401


Lyons & Associates

Lyons & Associates

Lyons & Associates is an independent broker offering Medicare and Advantage plans, supplemental Medigap coverage, and prescription drug plans from various insurers. An agent will walk you through selection and enrollment. Clients said agents at this company were responsive and knowledgeable about the healthcare industry. Reviewers liked the level of personal attention and said agents were honest and friendly.

Lyons & Associates
Address 558 Southlake Blvd N. Chesterfield, VA 23236
Phone Number (804) 330-5885


Virginia Premier

Virginia Premier

Virginia Premier provides a Medicare Advantage HMO D-SNP plan for individuals who qualify for both Medicare and Medicaid. It can be combined with any Virginia Medicaid CCC Plus plan at no cost. Plans come with dental coverage, vision services, hearing services, and a fitness program. A monthly grocery card is another free benefit. Customers can enroll online, or by calling or mailing an application.

Virginia Premier
Address 600 E Broad St #400, Richmond, VA 23219
Phone Number 1800-727-7536


United Healthcare

United Healthcare

United Healthcare is a popular nationwide insurance provider offering Medicare and supplemental coverage, along with many other types of health insurance. Customers can shop for and enroll in the AARP Medicare Supplement Insurance Plan through United Healthcare. Features include guaranteed coverage for life, low or no copay, and coverage when you travel. Licensed experts are available to answer questions and help find the best plan for your needs. Reviewers gave five stars for good customer service and polite representatives.

United Healthcare
Address 9020 Stony Point Pkwy, Richmond, VA 23235
Phone Number (804) 267-5200

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