Best Medicare Advantage Plans in Virginia 2024

There are about a dozen Medicare Advantage companies in Virginia. Find out which ones have the best-rated plans.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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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

Centers for Medicare & Medicaid Services. Fact Sheet. Accessed May 8, 2024.
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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.

Compare Medicare Advantage plans in Virginia

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

U.S. Census Bureau. QuickFacts, Virginia. Accessed May 8, 2024.
:

  • The average monthly premium in 2024 for a Medicare Advantage plan in Virginia is $13. (It was $12.58 in 2023.)

  • There are 147 Medicare Advantage plans available in Virginia in 2024. (This is the same as 2023.)

  • All Medicare-eligible people in Virginia have access to a $0-premium Medicare Advantage plan.

Medicare Advantage companies in Virginia

The following providers offer Medicare Advantage plans in Virginia:

Top-rated Medicare Advantage plans in Virginia

Each year, the Centers for Medicare & Medicaid Services (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 2024 plan year

Centers for Medicare & Medicaid Services. CY2024_Landscape_MA_20240314 (ZIP). Accessed May 8, 2024.
. (Check out more information about Medicare star ratings.)

5-star plans

The company below offers plans in Virginia that are rated 5 out of 5 stars by CMS:

  • UnitedHealthcare.

4.5-star plans

The companies below offer plans in Virginia that are rated 4.5 out of 5 stars by CMS:

  • Cigna.

  • Humana.

  • UnitedHealthcare.

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.

Medicare resources in Virginia

  • Virginia Senior Medicare Patrol: Provides information on identifying and preventing health care errors, fraud and abuse for Medicare beneficiaries and their caregivers and how to report such cases.

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?

If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Medicare Advantage review methodology

The Medicare Advantage marketplace is concentrated among just a handful of companies; in many places, one insurer serves more than half of the market. NerdWallet reviewed 26 Medicare Advantage brands, with some insurers having more than one brand under their umbrella. (For example, Blue Cross Blue Shield includes the brands Anthem and Highmark.) At the national level, these reviews include nine of the 10 largest brands by enrollment. At the state level, our research includes at least one major insurer in 47 of the 49 states that offer Medicare Advantage plans, and includes the top two insurers in 35 of those states. (Alaska doesn't offer Medicare Advantage plans.) We also look at online search volume to identify regional and other notable players in the space.

NerdWallet’s Medicare Advantage reviews are based on ratings data from the Centers for Medicare & Medicaid Services, as well as pricing, plan availability by state, plan types available, consumer experience, extra benefits offered and more. These reviews are a guide, but we encourage you to shop around and compare several plans to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines for additional information.

This roundup includes only insurers that sell Medicare Advantage in Virginia.