Medigap Plan G in Virginia
Plan G has been the most commonly selected Medicare Supplement plan for newly-eligible Medicare beneficiaries since 2020 (when Plan F closed to people newly eligible for Medicare). Plan G covers nearly everything Original Medicare doesn't, except the small annual Part B deductible.
In Virginia, Plan G's federal benefit set is identical across every carrier that sells it. What varies is the premium, the carrier's rate-history pattern, the household discount eligibility, and the underwriting rules outside guaranteed-issue periods.
We're independent. We compare Plan G premiums across the carriers we represent in your VA ZIP and walk you through the long-term rate-history considerations honestly. If your current Plan G is competitively priced, we tell you to stay.
What Plan G covers in VA
Plan G covers nearly all of the Original Medicare gaps. Plan G pays your share of Part A coinsurance and copays, the Part A hospital deductible, the first 3 pints of blood, skilled nursing facility coinsurance, Part B coinsurance and copayments, and Part B excess charges. The only meaningful gap Plan G leaves is the annual Part B deductible (which you pay yourself before Medicare and Plan G start paying).
Federal benefits are identical across carriers. Plan G from one carrier covers exactly the same benefits as Plan G from any other carrier. The federal government standardizes the benefits inside each Medigap letter. What differs between carriers is the premium, the household discount, the underwriting rules outside guaranteed-issue periods, and the carrier's track record on annual rate increases.
No network. You see any Medicare provider. Plan G doesn't have a network. Original Medicare plus Plan G accepts any provider in the country who accepts Medicare. That includes every major Virginia hospital system that accepts Medicare. The in-network puzzle that complicates Medicare Advantage selection mostly goes away with Plan G.
Drug coverage is separate (Part D). Plan G doesn't cover prescription drugs. You need a standalone Medicare Part D plan alongside your Plan G. That's two premiums to consider when comparing total monthly cost against a Medicare Advantage plan that bundles drug coverage in.
Common questions about Plan G in Virginia
What does Medigap Plan G cover in Virginia?
Plan G's benefits are federally standardized and identical across every Medigap carrier that sells it. Plan G covers Part A coinsurance and copays, the Part A hospital deductible, blood (first 3 pints), skilled nursing facility coinsurance, Part B coinsurance and copays, and Part B excess charges. It also covers 80% of foreign travel emergency care. The only meaningful gap is the annual Part B deductible, which you pay yourself.
How much does Medigap Plan G cost in Virginia?
Plan G premiums in Virginia vary significantly by carrier, your age, your ZIP code, and (in some carriers) tobacco use and gender. Premiums typically range across a wide band even for the same plan letter. We can pull current rates from the carriers we represent in your VA ZIP and walk through both the starting premium and the carrier's rate-history pattern.
Can I be denied Plan G in Virginia?
Inside your Medigap Open Enrollment Period (the 6 months starting when you're 65 and enrolled in Part B), you have guaranteed-issue rights for Plan G and the other standardized plans. You can't be denied for health reasons during that window.
Outside that window, and outside other guaranteed-issue situations (losing employer coverage, plan terminations, etc.), Virginia carriers generally use medical underwriting for Plan G. You can be asked health questions and approved, declined, or approved with conditions.
Plan G vs Plan N in Virginia. Which is right for me?
Plan G covers more of the Medicare gaps but has a higher monthly premium. Plan N has a lower premium but you pay small office-visit copays (up to $20 per office visit and up to $50 for ER visits that don't result in admission), and Plan N doesn't cover Part B excess charges.
If you see specialists frequently and don't want to think about copays, Plan G is often the cleaner answer. If you see doctors infrequently and want a lower monthly premium, Plan N can be meaningfully cheaper over a year. We walk through the math based on your usage.
Does Plan G cover my prescriptions in Virginia?
No. Medigap Plan G (and every other Medigap letter) does not cover prescription drugs. You need a standalone Medicare Part D plan alongside Plan G. Without a Part D plan, you'd be paying full retail for medications and you'd be accumulating a Late Enrollment Penalty if you stay without creditable drug coverage for more than 63 days after your IEP. We help pair the right Part D plan with your Plan G.
Are you connected to Medicare or to a specific Medigap carrier?
No. The Right Choice Agency is an independent licensed insurance agency. We are not connected with or endorsed by the United States government, the federal Medicare program, or the Virginia state government. Medigap plans are sold by private insurance carriers; we represent multiple Medigap carriers and compare them. For information on all your options, contact Medicare.gov or call 1-800-MEDICARE.
Plan G premiums vary widely. Carrier choice matters
Plan G's federal benefits are identical across carriers, so the differences live in premium, rate-history pattern, and household-discount eligibility. We compare across the Plan G carriers we represent in Virginia, walk through the long-term cost considerations, and pair the right standalone Part D plan with it. If your current Plan G is competitively priced, we tell you to stay.
For the full Virginia Medicare overview, see Medicare in Virginia. For more on Medigap generally, see What is a Medigap Plan?.
Required disclosures. We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. Plan availability, premiums, and benefits vary by county, ZIP code, and plan year. This is not a complete description of benefits.