Medicare in Virginia: compare your plan options with a licensed agent

Your guide to Medicare in Virginia

Last reviewed October 2026 by the licensed team at Amerance Health Insurance Group. Costs shown are 2026 Medicare figures from CMS.

Medicare is a federal program, so Parts A and B work the same way in Virginia as in every other state. What changes from state to state is which private plans you can choose from, the state rules that apply to Medicare Supplement insurance, and the local programs that can help you pay for coverage. This page covers what's specific to Virginia.

Your Medicare options in Virginia

People with Medicare in Virginia choose between two main paths:

Original Medicare, with a Medicare Supplement and Part D

Original Medicare (Part A for hospital care and Part B for medical care) lets you see any doctor or hospital in the U.S. that accepts Medicare. That's useful if you see specialists across Virginia or spend part of the year out of state. Because Original Medicare has no yearly out-of-pocket limit, many people add a Medicare Supplement (Medigap) policy to cover deductibles and coinsurance, plus a stand-alone Part D plan for prescriptions.

Medicare Advantage (Part C)

Medicare Advantage plans are offered by private insurance companies approved by Medicare. They bundle hospital, medical and usually drug coverage into one plan, often with dental, vision and hearing benefits and a yearly out-of-pocket maximum. Plans are approved county by county, so what's available in Virginia Beach may differ from what's available in Richmond or rural Virginia. Most use provider networks (HMO or PPO), so it's important to confirm your doctors and hospitals before you enroll.

Not sure which path fits you? Read our Medicare Advantage vs. Medicare Supplement comparison.

Virginia Medicare Supplement (Medigap) rules

Virginia added a Medigap birthday rule in 2025 and has strong protections for people under 65.

• Birthday rule (since July 1, 2025): each year, for at least 60 days starting on your birthday, you can switch to a Medigap policy with the same benefits from any insurer, with no health questions. For example, you could move from one company's Plan G to another company's Plan G if it costs less.
• Under 65: insurers must offer at least one Medigap plan to people under 65 with Medicare due to a disability or ESRD, during the 6 months after they become eligible. Since 2024, premiums for those enrollees can't be higher than the rate for a 65-year-old.

Everywhere in the U.S., your strongest protection is your Medigap Open Enrollment Period: the 6 months starting when you're 65 or older and enrolled in Part B. During that window, insurers in Virginia must sell you any Medigap plan they offer, at the same price as someone in good health. Plan G and Plan N are common choices for people new to Medicare. Compare what each Medigap plan covers.

Turning 65 in Virginia

Your Initial Enrollment Period is the 7 months around your 65th birthday: the 3 months before your birthday month, the month itself and the 3 months after. Sign up in the 3 months before your birthday month so your coverage starts on the first day of the month you turn 65. If you already receive Social Security, you'll be enrolled in Parts A and B automatically. Otherwise, apply through Social Security online, by phone at 1-800-772-1213, or at a local Social Security office in Virginia.

If you're still working, you may be able to delay Part B without a penalty. Our Turning 65 Medicare guide walks through every deadline, or you can take our 2-minute quiz to get a personal game plan.

Help paying for Medicare in Virginia

• Medicaid (Cardinal Care): Virginia residents with limited income and resources may qualify for Medicaid in addition to Medicare. Learn more from Cardinal Care.
• Medicare Savings Programs: run through Virginia's Medicaid agency, these can pay your Part B premium ($202.90 a month in 2026), and in some cases your deductibles and coinsurance.
• Extra Help: a federal program that lowers Part D premiums, deductibles and copays. Apply through Social Security.
• Dual Special Needs Plans (D-SNPs): Medicare Advantage plans for people with both Medicare and Medicaid, which coordinate both sets of benefits.

Free, unbiased Medicare counseling in Virginia

We do not offer every plan available in your area. For information on all of your options, contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227) or VICAP (Virginia Insurance Counseling and Assistance Program).

2026 Medicare costs in Virginia

Original Medicare costs are set nationally by CMS and are the same in Virginia as everywhere else. Medicare Advantage, Medigap and Part D premiums vary by plan and location.

Key Medicare dates for Virginia residents

• Annual Enrollment Period: October 15 – December 7, 2026, for coverage starting January 1, 2027.
• Medicare Advantage Open Enrollment: January 1 – March 31, 2027, if you're already in a Medicare Advantage plan.
• General Enrollment Period: January 1 – March 31 each year, if you missed signing up for Part A or Part B.
• Moving within or out of Virginia: if you move out of your plan's service area, you get a Special Enrollment Period to choose a new plan.

Virginia Medicare FAQs

Medicare help in nearby states

We also help people with Medicare in Kentucky, North Carolina, Tennessee and West Virginia. See all the states we serve.

Sources

• CMS: 2026 Medicare Parts A & B premiums and deductibles
• Code of Virginia § 38.2-3611 (Medigap birthday rule)
• Code of Virginia § 38.2-3610 (Medigap for people under 65)
• Virginia DARS: VICAP Medicare counseling