Find 2019 Medicare Plans in Virginia - VA Medicare Insurance Overview

Medicare Insurance in Virginia

Compare every Medicare plan in your area

Please select the correct zip

Virginia Medicare Insurance

Virginia Medical Insurance Stats

Medicare in Virginia

Medicare offers healthcare coverage to Virginia residents age 65 or older, or to those Virginia residents that suffer from certain medical disabilities. In 2016, 1,338,000 people are enrolled in Medicare in Virginia, accounting for 16.3% of the population in Virginia. On average about $8,772 was spent per Virginian Medicare enrollee in 2009, approximately 15.37% lower than the national average of $10,365. From 2015 to 2030 the senior population in Virginia is projected to increase by an estimated 54.51% according to calculations based off of the 2000 Census. Thus, the number of individuals enrolled in Medicare in Virginia is also expected to grow.

Local Medicare Resources

Virginian Medicare beneficiaries, their families, and their caregivers can receive free, unbiased, and one-on-one health insurance counseling from the Virginia Insurance Counseling and Assistance Program (VICAP). Virginia also participates in Senior Medicare Patrol (SMP), a program which aims to educate and also empower consumers on how to identify, avoid, and report instances of healthcare errors, waste, fraud and/or abuse.

Types of Medicare Coverage

When you are eligible for Medicare you may sign up for Original Medicare (Part A & Part B), which cover hospital services and medical services, respectively, or you may enroll in a Medicare Advantage Plan (Medicare Part C). If you sign up for Original Medicare you also have the option to purchase a separate or stand alone prescription drug plan (Part D). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. For most Medicare beneficiaries, Part A is already paid through paycheck deductions during their working years (or their spouse's) but most Medicare beneficiaries pay premiums for Part B unless they qualify for financial assistance. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Many Medicare Advantage plans also include additional health benefits such as vision, dental, or hearing coverage and you have the option to purchase a Medicare Advantage plan with prescription drug coverage (MAPD) in almost all states.

Virginia 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Virginia is $43.90, 29.74% less than the national average of $62.48. 28.1% of 2017 Medicare Part C insurance plans in Virginia have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Virginia the average annual drug deductible for Medicare Part C insurance plans with drug components is $266.69. 14.68% of 2017 Medicare Part C insurance plans with a drug component in Virginia have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Virginia is $12.38. 67.24% of 2017 Medicare Part C insurance plans without a drug component in Virginia have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Virginia is $5,798.34. 5.12% of 2017 Medicare Advantage plans in Virginia had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Virginia was 3.6 stars in 2017.
  • Among Virginia's 2017 Medicare Advantage plans with CMS star ratings:
    • 6.48% earned a score of 5 stars
    • 24.12% earned a score of 4 or 4.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

There are 24 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Virginia. Of these, the companies that offer the largest variety of plans to choose from are Humana, UnitedHealthcare, and Kaiser Permanente. In Virginia,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Virginia:

Humana

35 Plans

Aetna

7 Plans

WellCare

3 Plans

Cigna

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

Optima Medicare

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

Highmark

2 Plans

Sunrise Advantage Plan (HMO SNP)

1 Plans

MERIT HEALTH INSURANCE COMPANY

1 Plans

Innovation Health Medicare

1 Plans

Innovation Health Medicare

1 Plans

Clear Spring Health

1 Plans

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, Medicaid or an individual health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan.