A non-government entityMyMedicarePlans
Speak to a Licensed Insurance Agent
855-729-3240 TTY: 711
Monday – Friday: 7am – 9pm CST
HomeMedicare SupplementVirginiaMedigap in Virginia for 2027: 22 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Virginia for 2027: 22 Insurers and the Plans They Sell

RICHMOND — Virginia residents weighing how to pair Original Medicare with a Medicare Supplement policy for 2027 have a wide field to consider. Medicare.gov's Medigap policy search lists 22 insurers for ZIP code 23451 in Virginia Beach, offering standardized plans identified by letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N. The policy letters are set by federal law, so the benefits inside each letter are the same from one insurer to the next; what differs is price and the company behind the policy.

See Medicare Supplement options in your area

Compare Medicare Supplement options near you

Answer 3 quick questions to see Medicare Supplement listings from licensed insurance partners.

✓ Free  ·  ✓ Takes 20 seconds  ·  ✓ No name, phone, or email needed

What’s your ZIP code?

Plan availability is set by your county, so we start here.

How old are you?

This helps match you with options you’re eligible for.

Do you have Medicare Parts A & B?

This affects which Medicare Supplement options you can choose.

Medicare Supplement options in your area

These listings are provided by licensed insurance partners.

MEDIGAP RATE ALERT

Your Medigap rate went up. Your benefits didn't.

Medicare supplement benefits are standardized — identical at any carrier. The only difference is what you pay. One call compares current rates in your area.

  • Same plan letter = same benefits, by law
  • No fall deadline — switch any month, if your health qualifies

Available now — current wait: 0 min

A real person answers. No phone menu, ever.

Call 855-729-3240
A rate check takes about 5 minutesfree · no obligation

Want to see more plan options?

Answer a few more questions to continue to additional options from licensed partners.

Continue →

Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov or 1-800-MEDICARE.

Speak to a Licensed Insurance Agent

Click to call 855-729-3240

TTY: 711
Monday - Friday 7am - 9pm CST

Key takeaways

  • Medicare.gov's Medigap search lists 22 insurers for ZIP code 23451, selling standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.
  • The six-month Medigap Open Enrollment Period starts the month a person is 65 or older and enrolled in Part B, and it is the strongest window to buy without medical underwriting.
  • Sixteen Medicare Advantage plans offered in Virginia in 2026 are not being offered anywhere in the state in 2027, and affected members get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not cover prescription drugs, so a Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementVirginia
Photo: T Leish Photo by T Leish on Pexels
MM
ED
AI
By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Virginia
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Virginia?

Medigap is private insurance that works alongside Original Medicare (Parts A and B), helping pay some of the out-of-pocket costs Medicare leaves behind, such as coinsurance. Medicare Advantage (Part C), by contrast, replaces the way Original Medicare pays claims and bundles coverage through a private plan, usually with a network. A person generally cannot use a Medigap policy with a Medicare Advantage plan; Medigap is designed to sit next to Original Medicare. The federal plan letters mean benefits are standardized across companies, which makes apples-to-apples comparisons possible.

Which insurers sell Medigap in Virginia, and which plan letters do they offer?

For ZIP code 23451, Medicare.gov's Medigap policy search lists 22 insurers. What is sold can differ by ZIP code and by age, sex, and tobacco use. The listed insurers and the plan letters shown for each are:

Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

When is the Virginia Medigap Open Enrollment Period and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the month a person is both 65 or older and enrolled in Medicare Part B. During it, an insurer in Virginia must sell any Medigap policy it offers at the same price it charges people in good health and cannot use medical underwriting to deny coverage based on health history. Outside this window, insurers in Virginia may generally use underwriting unless a guaranteed-issue right applies, which can affect whether coverage is offered and at what price.

What guaranteed-issue rights apply in Virginia, including when a Medicare Advantage plan is not returning in 2027?

A guaranteed-issue right is a federal protection that requires insurers to sell certain Medigap plans without medical underwriting in specific situations. One of those situations applies when a Medicare Advantage plan leaves the area. According to CMS Landscape files, 16 Medicare Advantage plans offered in Virginia in 2026 are not being offered anywhere in the state in 2027. Members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans, with time limits. Medicare.gov describes the full list of guaranteed-issue situations and the plan letters available in each.

Does Medigap cover prescription drugs in Virginia?

No. Medigap policies sold today do not include prescription drug coverage, so Part D is chosen separately through a stand-alone Medicare prescription drug plan. For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), the maximum allowable Part D deductible any plan may charge is $700, and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Plan premiums themselves are set plan by plan. Annual Enrollment runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.

How can Virginia shoppers compare Medigap policies for 2027?

Start by picking the plan letter, since benefits inside each letter are identical across insurers, then compare price and company service for that letter. Medicare.gov's Medigap policy search shows the insurers listed for a Virginia ZIP code and the plan letters each one offers; detailed pricing comes from the insurer or its agent. Rate quotes can vary by age, sex, tobacco use, and ZIP code, so quotes should be requested using the applicant's own information.

Where can Virginians get free help with Medicare in 2027?

Medicare.gov is the official place to compare Medigap and Part D plans, and 1-800-MEDICARE (TTY 1-877-486-2048) is staffed 24 hours a day, seven days a week, to answer questions in multiple languages. The Social Security Administration announced a 3.6 percent cost-of-living adjustment on October 14, 2026, for benefits payable beginning January 2027; the 2027 Part B standard premium, Part B deductible, and IRMAA brackets have not yet been announced and are typically released by CMS in the fall.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

Compare with a licensed agent

See Medicare options & speak with a licensed agent

Provided by licensed insurance partners; MyMedicarePlans.org may be compensated. Not a ranking or endorsement of any plan.

Explore

The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

Explore

When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Virginia for 2027?
You can change your Medicare Advantage plan or return to Original Medicare during Annual Enrollment, October 15 – December 7, 2026, for coverage starting January 1, 2027. Buying a Medigap policy at that point generally requires medical underwriting in Virginia unless a guaranteed-issue right applies, such as when your current Medicare Advantage plan is not being offered in 2027. See Medicare.gov for the full rules.
Are Plans C and F still available to me in Virginia?
Plans C and F are closed to people who first became eligible for Medicare on or after January 1, 2020. People eligible before that date may still be able to buy them from insurers that offer them. The Medicare.gov Medigap search shows which listed insurers in your ZIP code still sell these letters.
Do I need a separate Part D plan if I have Medigap?
Yes. Medigap policies sold today do not include prescription drug coverage, so a stand-alone Part D plan is chosen separately. For 2027, the Part D out-of-pocket cap is $2,400 and the maximum Part D deductible any plan may charge is $700.
Where do I get official plan details and pricing?
Plan details, pricing, networks, and formularies come from the Medicare Plan Finder at Medicare.gov, from 1-800-MEDICARE, or from the plan's or insurer's own documents.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov: the Medigap policy search listing of insurers and plan letters for ZIP code 23451 in Virginia.
  • CMS Landscape Source File: the count of Medicare Advantage plans offered in Virginia in 2026 that are not being offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the standardized plan letters, the Medigap Open Enrollment Period, and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates and effective date; the 2027 Part D out-of-pocket cap, maximum Part D deductible, and base beneficiary premium.
  • Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026, payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Content Integrity Standards

  • No invented figures. Program-level numbers come from CMS / Medicare.gov; we never use placeholder data.
  • No plan recommendations. This is educational content. We don't score or recommend specific plans; any Star Ratings shown are Medicare's own CMS ratings, stated as published.
  • AI-assisted, human-reviewed. Articles are produced with AI-assisted tools and reviewed by the responsible desk before publishing.
  • Inline sourcing. Facts and figures are cited to primary sources — CMS, SSA, and Medicare.gov.
  • Correction transparency. We fix errors openly and note when a page was last updated.
  • Not a government site. MyMedicarePlans.org is privately owned and not affiliated with or endorsed by Medicare or any government agency.

This page was last updated: October 2026.

Medigap rate went up? A rate check is freeCall