Medicare Plans in Virginia

Understanding the details of Medicare can be challenging, especially for those without prior experience with this program. Knowing the ins and outs of Virginia Medicare eligibility and enrollment is essential to utilizing it successfully.  

What Virginia Medicare Plans Are Available?

Understanding the details of Medicare can be challenging, especially for those without prior experience with this program. Knowing the ins and outs of Virginia Medicare eligibility and enrollment is essential to utilizing it successfully.  

The available Medicare plans in Virginia include several parts that speak to different healthcare needs. 

Part A: This is the hospital insurance component and does not have premiums for those who paid into Medicare taxes during traditional employment. Those who did not pay into Medicare taxes may be able to purchase a Part A plan; however, those that do purchase Part A will also need to purchase Part B. 

Part A covers in-patient hospital care, in-patient skilled nursing facility care, hospice and home health care. It also covers in-patient care in a religious health care institution. 

Part B: There are monthly premiums for this component, and they may fluctuate based on income. Those who are eligible but do not sign up incur a late enrollment penalty of 10% for every 12 months. There's an exception to the penalty for those who had other coverage or were covered by a spouse's insurance policy and needed coverage suddenly. 

Part B insurance covers physicians visits, outpatient health care, home health care, some medical equipment and preventative services. 

Part C: This is the Medicare Advantage Plan and is an alternative to traditional Medicare coverage. If you choose a plan under this umbrella, it kicks in and acts as a replacement of sorts for Parts A and B, providing coverage through the private Advantage Plan instead of traditional Medicare. 

The Advantage Plans are offered through private entities and have different rules. Part of what makes them different is that they might offer coverage for vision, dental and health and wellness. These plans generally include prescription medication benefits as well. 

The different Medicare Advantage plan structures include a Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), Special Needs Plans (SNP), HMO Point-of-Service (HMOPOS) and a Medical Savings Account (MSA).

Part D: This is the prescription drug component and is offered to everyone that has a Medicare plan. There is a monthly premium attached to this plan and, as with Part B, premiums may fluctuate based on income. A penalty is levied for late enrollment. 

Part D coverage can be through the Medicare plan as an add on to Parts A and B or C or as part of a Part C plan.

Medigap: This is Medicare Supplement Insurance and is purchased in addition to Medicare to help cover elements that Parts A and B don't cover (such as copays or coinsurance). However, individuals have to be enrolled in the original Medicare program before adding the supplement plan.

More than 1.1 million Virginians were enrolled in the original Medicare plan in 2020 and more than 360,000 individuals were enrolled in the Medicare advantage plan in 2020. 

Medicare coverage is available in every state, though Alaska does not have the Medicare Advantage option. Also, Medicare supplement insurance has different standards in Wisconsin, Minnesota and Massachusetts. 

Who Is Eligible for Virginia Medicare?

Medicare is available for Americans who are age 65 and older. Those eligible must have been employed and paid into the system via payroll taxes or they may need to purchase the plan. The program also provides health insurance to some with disabilities (so determined by the Social Security Administration) and a few chronic/terminal conditions. 

Automatic enrollment occurs for those who are already receiving retirement benefits from the Social Security Administration in the four months prior to turning 65. 

The initial enrollment period is 3 months before a person's 65th birthday extended to 3 months after a person's 65th birthday. Enrollment outside of this period is permissible but does incur penalties. 

After the initial enrollment period, individuals may sign up for Parts A and B during general enrollment between January 1 and March 31. Coverage for these plans begins July 1. 

Special enrollment options are available for certain situations. For instance, those with a traditional Medicare plan can switch to a Medicare Advantage Plan, Medicare Cost Plan or Medicare drug plan if a 5-star rating option becomes available. This special enrollment period is only available for use one time between December 8 and November 30. 

Special enrollment also applies to those who are still working (or who are married to people who are still working) or those covered by a group health plan. These individuals can sign up for Parts A and B at any time when they lose coverage through their employer or opt out of it.

Medicare also offers a fall enrollment period. It occurs annually from October 15 through December 7, with changes taking effect as of January 1. This is the only point at which individuals who are already enrolled in a plan can choose a new Medicare Advantage or Medicare Part D plan. 

How Do I Enroll in Medicare in Virginia?

Those who are eligible to enroll may do so via the website at www.SocialSecurity.gov. Eligible citizens can also call the Social Security Administration at (800) 772-1213 Monday through Friday from 7 a.m.-7 p.m. 

Local Social Security Administration offices can also facilitate sign-up. 

Medicare Plans by County

Average Cost of Medicare Advantage Plans in Virginia

Average Cost of Medicare Advantage Plans in Virginia
Average Monthly Premium $56.35
Average in-network out-of-pocket spending limit $6,311.67
Average drug deductible in 2022 (weighted) $288.22
Percentage of plans rated 4 stars or higher 49.4%
Average Cost of Medicare Advantage Plans in Virginia
Average Monthly Premium
$56.35
Average in-network out-of-pocket spending limit
$6,311.67
Average drug deductible in 2021 (weighted)
$288.22
Percentage of plans rated 4 stars or higher
49.4%

Virginia Medicare Advantage Plans by County

The chart below provides more information about Medicare Advantage plan costs and enrollment in Virginia by county in 2021.

Scroll to the right to continue reading the chart
County Average Premium Average Annual Drug Deductible % of Plans Rates 4 Stars or Higher # of Plans Available
Fairfax $76 $302 65.2% 23
Loudoun $77 $270 66.7% 27
Fairfax City $61 $302 57.9% 19
Falls Church City $64 $256 61.9% 21
Fredericksburg City $66 $295 54.5% 22
Alexandria City $64 $289 54.5% 22
Arlington $61 $302 60.0% 20
Manassas City $61 $269 66.7% 21
Manassas Park City $61 $276 63.6% 22
Prince William $61 $302 60.0% 20
Spotsylvania $66 $295 54.5% 22
Stafford $66 $295 54.5% 22
Staunton City $49 $322 43.8% 16
Southampton $57 $233 40.0% 15
Salem City $60 $249 45.8% 24
Scott $56 $373 70.6% 17
Shenandoah $50 $319 47.1% 17
Smyth $56 $394 68.8% 16
Rappahannock $67 $250 46.2% 13
Richmond $60 $250 42.9% 14
Richmond City $52 $253 48.1% 27
Roanoke $60 $249 45.8% 24
Roanoke City $60 $249 45.8% 24
Rockbridge $45 $313 43.8% 16
Rockingham $53 $298 40.0% 15
Russell $56 $394 66.7% 18
Suffolk City $48 $243 54.2% 24
Surry $51 $257 50.0% 16
Sussex $55 $273 50.0% 12
Tazewell $54 $396 61.1% 18
Virginia Beach City $48 $243 54.2% 24
Warren $61 $288 50.0% 16
Washington $54 $396 60.0% 20
Waynesboro City $49 $322 43.8% 16
Westmoreland $62 $258 53.3% 15
Williamsburg City $48 $273 52.4% 21
Winchester City $50 $319 47.1% 17
Wise $54 $396 60.0% 20
Wythe $49 $364 61.9% 21
York $48 $273 52.4% 21
Prince George $54 $314 47.1% 17
Pulaski $68 $277 42.1% 19
Radford City $60 $277 45.5% 22
Portsmouth City $48 $243 54.2% 24
Powhatan $52 $290 45.5% 22
Prince Edward $69 $318 29.4% 17
Northumberland $54 $273 44.4% 18
Norton City $56 $373 73.3% 15
Nottoway $57 $294 33.3% 15
Orange $46 $326 33.3% 12
Page $66 $264 50.0% 16
Patrick $57 $236 38.5% 13
Petersburg City $52 $290 48.0% 25
Pittsylvania $65 $299 38.1% 21
Poquoson City $44 $252 54.5% 22
Martinsville City $59 $288 47.1% 17
Madison $58 $275 36.4% 11
Louisa $55 $273 53.8% 13
Lunenburg $50 $300 38.5% 13
Lynchburg City $65 $288 42.1% 19
Mathews $48 $293 40.0% 15
Mecklenburg $58 $277 35.7% 14
Middlesex $52 $274 37.5% 16
Montgomery $60 $258 50.0% 22
Nelson $58 $275 36.4% 11
New Kent $52 $278 58.8% 17
Newport News City $48 $273 54.5% 22
Norfolk City $48 $273 54.5% 22
Northampton $61 $269 42.9% 14
Augusta $49 $322 43.8% 16
Amherst $68 $310 38.9% 18
Appomattox $66 $279 44.4% 18
Alleghany $47 $269 50.0% 14
Amelia $49 $314 52.6% 19
Accomack $55 $324 50.0% 12
Albemarle $47 $308 38.5% 13
Bath $63 $247 38.5% 13
Bedford $64 $275 40.9% 22
Bland $54 $250 58.8% 17
Botetourt $60 $249 47.8% 23
Bristol City $54 $396 61.1% 18
Brunswick $54 $293 33.3% 12
Buchanan $55 $370 66.7% 18
Buckingham $49 $275 33.3% 9
Buena Vista City $45 $313 43.8% 16
Campbell $65 $329 41.2% 17
Caroline $54 $312 46.7% 15
Carroll $57 $247 38.5% 13
Charles City $53 $281 53.3% 15
Charlotte $70 $304 42.9% 14
Charlottesville City $47 $308 38.5% 13
Chesapeake City $48 $243 54.2% 24
Chesterfield $52 $253 48.1% 27
Clarke $54 $282 52.9% 17
Colonial Heights City $49 $312 52.2% 23
Covington City $47 $269 50.0% 14
Craig $63 $241 50.0% 20
Culpeper $50 $326 37.5% 8
Cumberland $59 $278 50.0% 14
Danville City $62 $314 40.0% 20
Dickenson $56 $394 68.8% 16
Dinwiddie $54 $314 50.0% 18
Emporia City $54 $293 30.8% 13
Galax City $57 $247 35.7% 14
Franklin City $55 $212 46.7% 15
Frederick $50 $319 47.1% 17
Giles $46 $313 33.3% 15
Gloucester $51 $273 42.1% 19
Goochland $52 $290 45.5% 22
Grayson $56 $394 68.8% 16
Essex $57 $258 47.1% 17
Fauquier $57 $312 50.0% 18
Floyd $60 $277 47.6% 21
Fluvanna $58 $275 40.0% 10
Franklin $60 $258 50.0% 22
Greene $58 $275 36.4% 11
Greensville $54 $293 30.8% 13
Halifax $67 $310 33.3% 18
Hampton City $48 $243 54.2% 24
Hanover $52 $253 48.1% 27
Harrisonburg City $53 $298 46.2% 13
Henrico $52 $253 48.1% 27
Henry $59 $288 47.1% 17
Highland $63 $247 38.5% 13
Hopewell City $49 $312 50.0% 22
Isle of Wight $48 $243 50.0% 24
James City $44 $289 57.9% 19
King and Queen $51 $278 53.3% 15
King George $67 $250 50.0% 12
King William $55 $293 35.7% 14
Lancaster $55 $257 42.9% 14
Lee $56 $394 68.8% 16
Lexington City $45 $313 43.8% 16

Local Health Insurance Resources in Virginia

For more information and assistance with Medicare, Medicaid and additional help, reach out to the Virginia Insurance Counseling & Assistance Program (VICAP): Call (800) 552-3402 or visit https://www.vda.virginia.gov/vicap.htm. Virginia also has numerous resources to help with Medicare needs, including the Virginia Drug Assistance Program.

The state also offers a Medicare Savings Program for low-income residents signed up for Medicare, which helps with deductibles and premiums.