Best Medicare Advantage Plans in Virginia
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About 1.6 million people in Virginia are signed up for Medicare, which makes it the 12th-largest state for Medicare beneficiaries.
Medicare is the federal health insurance program for people 65 and older. Medicare Advantage is a bundled alternative to Medicare sold by private companies. It offers the same benefits and usually some extras, such as cost savings on dental and vision coverage.
Medicare Advantage plans offer more benefits than Original Medicare, and they can be cheaper than paying for Medicare and a Medicare Supplement plan. However, they offer less flexibility because you’ll need to get care from within the plan’s network of providers. Weigh your options to determine which plan best suits your needs.
What to know about Medicare in Virginia
About 1 in 6 people in Virginia are 65 and older, and there are a variety of Medicare Advantage plans in the state:
The average monthly premium in 2023 for a Medicare Advantage plan in Virginia is $12.80. (It was $15.09 in 2022.)
There are 147 Medicare Advantage plans available in Virginia in 2023. (This is up from 132 plans in 2022.)
All Medicare-eligible people in Virginia have access to a $0-premium Medicare Advantage plan.
Medicare Advantage companies in Virginia
Align Senior Care.
Clear Spring Health.
Mary Washington Medicare Advantage.
Molina Healthcare of Virginia.
Top-rated Medicare Advantage plans in Virginia
Each year, the Centers for Medicare & Medicaid Services, or CMS, awards every Medicare Advantage plan a star rating on a scale of 1 to 5, with 5 being a top-rated plan. Below are companies with plans that received top marks in Virginia for the 2023 plan year. (Check out more information about Medicare star ratings.)
The companies below offer plans in Virginia that are rated 5 out of 5 stars by CMS:
The companies below offer plans in Virginia that are rated 4.5 out of 5 stars by CMS:
This list doesn’t include special needs plans, which restrict membership to people with certain diseases or characteristics, such as having a chronic illness or living in a nursing home.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a Medicare Advantage plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in-network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
Medicare Advantage providers
Get more information below about some of the major Medicare Advantage providers. These insurers offer plans in most states. The plans you can choose from will depend on your ZIP code and county.