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Virginia Medicare Supplement insurance plans cover the areas that traditional Medicare insurance doesn’t. It was designed to fit the gaps perfectly so that an individual is completely, or mostly, covered by medical insurance. Currently, there are ten policies available, each specific letter plan has exactly the same benefits no matter what insurance company offers it.

Virginia Medicare Supplement Plans

The best time for a person to obtain supplement insurance is during their Open Enrollment Period. During this time, the state government doesn’t allow carriers to exclude people who have pre-existing conditions or charge more for past or present health problems. This period starts the month that a person turns 65 and is enrolled in Medicare Part B. If they delay their Part B benefits until after they retire, then the six month window will start from the date that Part B becomes effective.

Some states offer supplements to Medicare for those under the age of 65, but it’s not required. In the state of Virginia, they do not require any of the letter plans to be available to you if you haven’t reached the age of 65. However, even though it’s not state required, some carriers will offer supplement plans to those under 65 in the state of Virginia. Call one of our licensed agents in your state for more information.

Medical Underwriting

You’re not required to pass medical underwriting if you buy a plan during your Open Enrollment Period, as stated above. However, if you failed to do so, you’re generally required to provide answers to questions about your health before getting a policy. When you enroll outside this 6 month time period, a carrier can deny you coverage, delay your start date or charge you higher premiums.

Healthcare Costs Covered

Virginia Medicare Supplemental insurance covers the cost differences that Original Medicare doesn’t pay for, one of the costs covered are deductibles. This is the amount that a policy holder needs to pay before Medicare or other health insurance plans start to provide coverage. This amount will vary with insurance providers. Coinsurance is another health cost that supplement insurance covers.

This is the amount that the policyholder pays after paying the deductible.

Aside from that, Medicare supplement plans in Virginia also covers co-payments. This is the amount that the policy holder is required to pay for things such as hospital outpatient visits, prescription drugs, medical service or doctor’s visit.

However, it’s important to keep in mind that Virginia Medigap plans will only pay expenses that Medicare approves. Remember that Medicare includes deductibles and only pays 80 percent. Good Virginia Medicare Supplemental plans will pay the deductible and the remaining 20 percent.

Some of the health costs that plans don’t cover include long-term care, private-duty nursing and prescription drugs. It also doesn’t provide coverage for hearing aids, dental care, eyeglasses, and vision care.

Best State of Virginia  Medicare Supplement Plans

Medigap Plan F is the most popular plan in the state, it offers comprehensive coverage for all areas. It will pay the balance after Medicare Part B & Medicare Part A has paid their portion.

Plan F also provides coverage in the following areas.

  • Travel outside the United States
  • Part B deductible and excess
  • Part A deductible
  • One year hospitalization coverage
  • Skilled nursing co-insurance
  • Hospital co-insurance
  • Blood deductible coverage

Virginia Medicare Supplement Rates

Virginia Medicare Supplement rates can be changed just as regular health insurance rates do. The majority of reputable companies only raise rates on an entire class of insured people at the same time and by the same amount. They’re also required to notify you before your rates change. You can stay up to date with Virginia Medicaid and Medicare here.

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