Best Medicare Supplement Plans in Virginia 2026
Virginia has over 400,000+ Medigap enrollees - Plan G starts at just $100/mo in Richmond. Virginia enacted a birthday rule in July 2025, giving enrollees an annual window to switch carriers without underwriting. We compared 30+ carriers to find the best coverage in the Commonwealth.
Virginia Birthday Rule: Switch Medigap Carriers Every Year Without Underwriting
Virginia enacted a Medigap birthday rule effective July 1, 2025. If you already have a Medigap policy, you get a 60-day window starting on your birthday each year to switch to any carrier offering the same plan letter - without answering health questions. Your current carrier must send a reminder letter 15–30 days before your window opens. Note: Virginia's rule only allows switching to the same plan letter (e.g., Plan G to Plan G). Unlike California, you cannot downgrade to a lesser plan using this rule.
More than 400,000 Virginians have Medicare Supplement Insurance, or Medigap. Virginia is home to a large and diverse Medicare population - from retirees in Richmond and Virginia Beach to the massive federal employee and military retiree community in Northern Virginia. With over 30 carriers licensed in the state and Plan G starting at just $100 per month in Richmond, Virginia offers a competitive Medigap market.
Virginia became a birthday rule state on July 1, 2025. If you already have a Medigap policy, you now have an annual 60-day window around your birthday to switch to any carrier offering the same plan letter - without medical underwriting. This is a significant consumer protection that makes it easier to shop for better rates each year. Plan G is the most popular Medigap plan for new enrollees in Virginia, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026).
Compare the Best Medicare Supplement Plans in Virginia
Our top-rated Medigap carriers in Virginia, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Richmond. Rates in Northern Virginia, Virginia Beach, and other regions may vary.
State Farm
Plan G
$148/mo
Plan N
$108/mo
AM Best
A++
State Farm earns the top spot in Virginia for its unmatched A++ AM Best rating, far-fewer-than-expected complaint ratio, and extensive local agent network across Richmond, Northern Virginia, and Virginia Beach. The best choice for enrollees who want financial strength and face-to-face service.
AARP / UnitedHealthcare
Plan G
$152/mo
Plan N
$113/mo
AM Best
A
AARP/UHC is the largest Medigap carrier in Virginia by enrollment and offers the widest range of plans. The AARP membership brand is widely recognized, and UHC's national network provides strong continuity of care for Virginia retirees who travel - especially the large federal employee and military retiree population in Northern Virginia.
Mutual of Omaha
Plan G
$143/mo
Plan N
$103/mo
AM Best
A+
Mutual of Omaha is a perennial top performer for customer satisfaction and financial stability. Its Virginia premiums are competitive in the mid-range, and it offers a strong household discount. A solid choice for enrollees who prioritize claims handling and service quality.
Humana
Plan G
$106/mo
Plan N
$77/mo
AM Best
A-
Humana offers some of the most competitive Plan G premiums in Virginia at $106/mo in Richmond - among the lowest of any nationally-recognized carrier. SilverSneakers fitness benefits are included with select plans, making Humana a strong pick for active Virginia retirees.
Wellabe (formerly Great Western / Medico)
Plan G
$124/mo
Plan N
$89/mo
AM Best
A-
Wellabe offers strong budget value in Virginia with a cleaner complaint record than the cheapest carriers. A smart pick for enrollees who want affordable coverage without the complaint risk of NHIC or Cigna at the very bottom of the price range.
Medicare Supplement Prices in Virginia
Sample monthly premiums from top carriers in Richmond. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Virginia uses attained-age rating - premiums will increase as you age. Northern Virginia and Virginia Beach rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| NHIC | $100 | $72 | $119 |
| Physicians Select | $103 | $75 | $122 |
| Humana | $106 | $77 | $126 |
| Bankers Fidelity | $110 | $80 | $131 |
| Cigna / HealthSpring | $113 | $82 | $134 |
| Wellabe | $124 | $89 | N/A |
| Mutual of Omaha | $143 | $103 | $161 |
| State Farm | $148 | $108 | N/A |
| AARP / UnitedHealthcare | $152 | $113 | $172 |
Lowest available in Virginia (Richmond): Plan G from $100/mo | Plan N from $72/mo | Source: FairSquare Medicare, Virginia SCC Medigap Premium Finder, May 2026
Plan G vs. Plan N in Virginia
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Virginia. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Richmond) | $100–$152 | $72–$113 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
Virginia's birthday rule is powerful - but it only lets you switch to the same plan letter. If you have Plan G, you can switch to another carrier's Plan G each year without underwriting. But you cannot use the birthday rule to downgrade to Plan N. If you want to switch plan letters, you will need to pass medical underwriting. Also: Humana at $106/mo is the best value among nationally-recognized carriers in Virginia - solid A- rating, competitive premium, and SilverSneakers fitness benefits. NHIC at $100/mo is cheaper but less well-known. Use Virginia's birthday rule each year to shop for a better rate on your current plan letter.
Virginia Medigap Rules You Should Know
Virginia Birthday Rule (Effective July 1, 2025)
Virginia enacted a birthday rule effective July 1, 2025. If you already have a Medigap policy in Virginia, you get a 60-day open enrollment window each year starting on your birthday. During this window, you can switch to any carrier offering the same standardized plan letter - without medical underwriting. Important: you can only switch to the same plan letter (e.g., Plan G to Plan G). You cannot downgrade to a lesser plan or upgrade to a richer plan using this rule.
How Virginia's Birthday Rule Differs from California's
California's birthday rule allows switching to an equal or lesser plan - meaning a Plan G enrollee can switch to Plan N without underwriting. Virginia's rule is more restrictive: you can only switch to the same plan letter. A Plan G enrollee can switch to another carrier's Plan G, but cannot move to Plan N using the birthday rule. To downgrade, you would need to pass medical underwriting.
Birthday Rule Reminder Letters Required
Virginia law requires your current Medigap carrier to send you a reminder letter 15 to 30 days before your birthday window opens. Watch your mailbox each year. If you miss the 60-day window, you can use the birthday rule again next year - or switch outside the window by passing medical underwriting.
6-Month Open Enrollment Period
Your Medigap Open Enrollment Period is a one-time 6-month window that starts the first month you are 65 or older and enrolled in Medicare Part B. During this period, carriers cannot deny you coverage or charge more due to pre-existing conditions. This is separate from the annual birthday rule window and applies to first-time Medigap enrollees.
Attained-Age Rating Standard
Most Virginia Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies (premiums locked at your enrollment age) are available from select carriers and may save money long-term. Enrolling during your OEP at age 65 locks in the lowest possible starting rate.
Free Counseling via VICAP (Virginia SHIP)
Virginia's Insurance Counseling and Assistance Program (VICAP) - part of the national SHIP network - provides free, unbiased Medicare counseling from trained volunteers. VICAP counselors can help you compare Medigap plans, understand the birthday rule, and navigate enrollment. Call 1-800-552-3402 to speak with a counselor.
Regulated by Virginia State Corporation Commission
All Medigap plans in Virginia are regulated by the Virginia State Corporation Commission (SCC). The SCC maintains a Medigap Premium Finder tool at scc.virginia.gov/medigap where you can compare official premiums from all licensed carriers. Virginia enforces a 30-day free-look period on new policies.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and J.D. Power scores
Premium Competitiveness
Plan G and Plan N rates vs. Virginia market average
Plan Availability
Number of plan types offered in Virginia
Discounts & Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, Virginia SCC Medigap Premium Finder
Frequently Asked Questions
Find the Best Medigap Rate in Your Virginia ZIP Code
Virginia's birthday rule means you can shop for a better rate every year. With Plan G starting at $100/mo in Richmond and over 30 carriers licensed in the state, there is real competition to take advantage of. Enter your ZIP code to compare rates from all available carriers in your area.