If you have ever googled Medicare Supplement Plans by State, you probably came away from the experience more confused about plan premium rates because the costs vary so much by state and even by city.
However, if you are looking for the Best Rates for Medicare Supplement Plans in Virginia, West Virginia and Maryland, then you will come away with a good idea on premium prices by city, in these three states.
We are going to focus on rates for Medigap Plan F, Plan G and Plan N, which are the three most popular plans.
We’ll take a look at the premium cost differences by city in Virginia (VA) for the different supplement plans.
Finally, we will review the best rates for Medigap plans in West Virginia (WV) and Maryland (MD).
The majority of Medicare Supplement plans that are sold are the Plan F, Plan G, and Plan N.
Medicare Supplement Plan F will be discontinued at the end of 2019 and experts believe the premium rates will begin to increase more rapidly than Plan G and Plan N in the coming years.
As you can see on the Medicare Supplement Plan Comparison Chart, Plan G is nearly identical to Plan F, offering all the same coverage except you have to pay the Medicare Part B premium with Medicare Supplement Plan G.
Plan N offers very similar coverage, as shown on the Medigap Plan Comparison Chart, but the supplement insurance is less expensive because it does not provide as much coverage as Plan F or Plan G.
Medicare Supplement Plan N does not cover doctor excess charges and requires a co-insurance or co-payments when you visit the doctor or hospital.
| BENEFITS | PLAN N | PLAN G | PLAN F |
|---|---|---|---|
| Part A Hospital
Co-Insurance | YES | YES | YES |
| 365 Hospital Reserve Days | YES | YES | YES |
| Part B Co-Insurance /Co-Payment | YES | YES | YES |
| Blood Benefit
(First 3 Pints) | YES | YES | YES |
| Hospice
Co-Insurance / Co-Payment | YES | YES | YES |
| Skilled Nursing Facility Co-Insurance | YES | YES | YES |
| Part A Deductible | YES | YES | YES |
| Part B Deductible | NO | NO | YES |
| Part B
Excess Charge | NO | YES | YES |
| Foreign
Travel Benefit | 80% | 80% | 80% |
| Out Of Pocket Limit | N/A | N/A | N/A |
The best premium rates for Medigap plan F for a male non-tobacco user premium only differ about $10 from the most expensive cities, like Virginia Beach to the least expensive city of Arlington, Virginia.
The most expensive cities rates in Virginia for Medicare Supplement plans are found in Virginia Beach, Norfolk, and Chesapeake.
If you live in Virginia Beach, Norfolk or Chesapeake, we have seen sample rates for a male, non-tobacco user, starting at $134.37 for Plan F.
The least expensive cities to get the best Medigap rates are found in Arlington, Richmond, and Roanoke.
Supplement rates for Arlington, Richmond, or Roanoke for a male, non-tobacco user, in these three cities start at $122.80 for Plan F.
The difference in Medicare Supplement Plan rates between the highest premium cost cities and the lowest is around $11 a month in Virginia.
This could mean you could afford a couple of nice dinners by saving around $132 annually in medigap premiums for Plan F if you live in or possibly around Arlington, Richmond or Roanoke.
Cities that have rates in the middle in Virgina are Newport News, Alexandria, East Hampton and Hampton.
The Medigap rates for a male, non-tobacco user, start at $88 for Plan G which is quite a bit lower than what residence of Arlington would pay, $102.48, for the same plan.
And, curiously, you’ll notice on the comparison chart that Plan N’s rates are all over the board by city in Virginia with the difference in premium prices being only a couple dollars between the highest and lowest.
Please take a look at the Best Virginia Medicare Supplement Plans and Rates Comparison Chart below.
The Medigap plan comparison chart includes the ten most populous cities in Virginia; Virginia Beach, Norfolk, Chesapeake, Arlington, Richmond, Roanoke, Newport News, Alexandria, East Hampton and Hampton.
To learn more about Medicare in Virginia, you can visit the Virginia Medicare State Website.
Virginia Sample Medicare Supplement Plans F, Plan G & Plan N – Quotes For Male/Female 65 Year Old, Non-Tobacco User. Contact Senior Benefit Services Specialist For Your Medigap Rate Today!
| STATE OF VIRGINIA | male | female | |||||
|---|---|---|---|---|---|---|---|
| CITY | ZIP CODE | PLAN F | PLAN G | PLAN N | PLAN F | PLAN G | PLAN N |
| Virginia Beach | 23450 | $134.37 | $96.00 | $80.49 | $125.31 | $88.00 | $75.04 |
| Norfolk | 23324 | $134.37 | $96.00 | $80.49 | $125.31 | $88.00 | $75.04 |
| Chesapeake | 23320 | $134.37 | $96.00 | $80.49 | $125.31 | $88.00 | $75.04 |
| Richmond | 23173 | $123.00 | $96.00 | $79.24 | $109.82 | $83.67 | $68.85 |
| Arlington | 20330 | $122.80 | $102.48 | $82.64 | $122.80 | $102.48 | $79.28 |
| Newport News | 23601 | $134.37 | $88.00 | $80.00 | $125.31 | $83.00 | $75.00 |
| Alexandria | 22206 | $134.37 | $88.00 | $80.00 | $125.31 | $83.00 | $75.00 |
| East Hampton | 23669 | $134.37 | $88.00 | $80.00 | $125.31 | $83.00 | $75.00 |
| Hampton | 23503 | $134.37 | $96.00 | $80.49 | $121.36 | $85.85 | $72.41 |
| Roanoke | 24001 | $123.00 | $96.00 | $79.24 | $109.82 | $83.00 | $68.85 |
The insurance regulatory commission in West Virginia does not allow insurance carriers to charge different Medicare Supplement rates by city.
They require the Medigap insurance companies to charge the same rates for Charleston city as they charge for Huntington or Parkersburg in West Virginia (WV).
If you live in Morgantown, Wheeling, Weirton Height, or anywhere in West Virginia, a male, non-tobacco user, may qualify for the best rate we could find for Medigap plan F of $128.42 for a one month premium.
The Medicare Supplement Plan N premium rate for a male, non-tobacco user, in Weirton, Fairmont, Martinsburg, Beckley or anywhere in the state of West Virginia, best rate is $84.67 per month.
Plan G’s best premium health insurance rates is $101.75, whether you live in Charleston, Huntington, Parkersburg, or any other city in WV.
The Best rates for Medicare Supplement plans in West Virginia are not determined by the city you live in.
Please take a look at the Best West Virginia Medicare Supplement Plans and Rates Comparison Chart below.
The Medigap plan comparison chart includes the ten most populous cities in West Virginia; Charleston, Huntington, Parkersburg, Morgantown, Wheeling, Weirton Height, Weirton, Fairmont, Martinsburg, and Beckley.
To learn more about Medicare in West Virginia, you can visit the West Virginia Medicare State Website.
West Virginia Sample Medicare Supplement Plans F, Plan G & Plan N – Quotes For Male/Female 65 Year Old, Non-Tobacco User. Contact Senior Benefit Services Specialist For Your Medigap Rate Today!
| STATE OF west VIRGINIA | male | female | |||||
|---|---|---|---|---|---|---|---|
| CITY | ZIP CODE | PLAN F | PLAN G | PLAN N | PLAN F | PLAN G | PLAN N |
| Charleston | 25301 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Huntington | 25701 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Parkersburg | 26101 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Morgantown | 26501 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Wheeling | 26003 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Weirton Height | 26062 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Weirton | 26062 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Fairmont | 26554 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Martinsburg | 25401 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
| Beckley | 25801 | $128.52 | $101.75 | $84.67 | $114.75 | $88.52 | $73.66 |
The Insurance regulatory commission in Maryland has decided, just like the state of West Virginia, to not allow Medicare Supplement Plan insurance companies to charge different premium rates based on your location within the state.
This means that whether you are in the city of Baltimore, Columbia, Germantown or Silver Spring, the Medicare Supplement Plan premium rates will be the exact same in Maryland (MD).
The best Medigap plan rates are a bit higher in Maryland than in Virginia or West Virginia.
A male, non-tobacco user, in MD has Plan F starting sample rates of $161.36 which is $35 to $40 higher than VA and WV.
That means if you live in cities like Frederick, Lavale, Waldorf, Glen Burnie, or Gaithersburg, Maryland, your Medigap Plan F premium could cost you $420 more in annual premiums then West Virginia or Virginia residents.
Maryland residents supplement plan G rates are also higher than VA and WV, with sample rates for a male, non-tobacco user starting at $131.34.
The Plan G premium is $30 to $35 higher whether you live in the city of Rockville, Ellicot City, Baltimore or Columbia, as compared to these neighbor states.
Maryland’s Medicare Supplement Plan rates are also higher for Plan N under the same sample scenario as compared to West Virginia and Virginia.
Residence of Germantown, Silver Spring, Frederick and Waldorf will pay on average $20 to $25 more a month for the same Plan N.
Please take a look at the below Best Maryland Medicare Supplement Plan Rates.
The Medigap plan comparison chart includes the ten most populous cities in Maryland; Baltimore, Columbia, Germantown, Silver Spring, Frederick, Waldorf, Glen Burnie, Gaithersburg, Rockville, and Ellicot City.
To learn more about Medicare in Maryland, you can visit the Maryland Medicare State Website.
Maryland Sample Medicare Supplement Plans F, Plan G & Plan N – Quotes For Male/Female 65 Year Old, Non-Tobacco User. Contact Senior Benefit Services Specialist For Your Medigap Rate Today!
| STATE OF MARYLAND | male | female | |||||
|---|---|---|---|---|---|---|---|
| CITY | ZIP CODE | PLAN F | PLAN G | PLAN N | PLAN F | PLAN G | PLAN N |
| Baltimore | 21201 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Columbia | 21029 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Germantown | 20874 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Silver Spring | 20815 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Frederick | 21701 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Waldorf | 20601 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Glen Burnie | 21060 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Gaithersburg | 20697 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Rockville | 20847 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
| Ellicott City | 21041 | $161.36 | $131.34 | $105.62 | $151.10 | $119.32 | $91.80 |
Senior Benefit Services will be able to help guide you through choosing a Medicare Supplement Plan.
There are many factors that determine the Best Medicare Supplement Plan for you.
The Experts at Senior Benefit Services have been specializing in helping seniors make the best Medigap insurance choices for over 50 years!
Call now at 1-800-924-4727 or fill out the easy and convenient ‘Start Free Comparison’ form in this article.
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