Virginia Medicare Supplement Plans

Fairfax, Arlington and Loudoun counties see rates that reflect both high incomes and heavy carrier competition, while Southwest Virginia runs higher for the same letter with fewer companies writing. That spread is a function of pool size and provider costs, not of any difference in the policy.

Attained-age rating means your premium rises on a fixed schedule. Ask each carrier for its age schedule and its last five approved increases. Northern Virginia buyers in particular can save real money by re-shopping every few years, because competition there keeps filed rates moving.

Since July 2025, Virginia has required insurers to accept policyholders during the 60 days beginning on their birthday, for a policy paying the same benefits, at any company licensed in the state. The regulator advises keeping the old policy until the new one is issued, and a change of benefits outside your six-month window is still underwritten.

Three situations skip underwriting entirely: losing group coverage that paid secondary to Medicare, a carrier withdrawing from Virginia, and your first year in an Advantage plan. Virginia's Bureau of Insurance is responsive when a carrier misapplies one, so documenting the triggering event matters.

Advantage penetration is below the national average in Northern Virginia and above it in the rural southwest, which produces two very different supplement markets inside one state. The northern pool is large and affluent, and the rural pool is smaller and older.

The Bureau of Insurance publishes rate filings and complaint data, and VICAP counselors compare plans free of charge through the Department for Aging and Rehabilitative Services. Ask them to check the household discount and the tobacco classification before comparing final premiums.