There are 120,278 people enrolled in a Medicare plan in Charlottesville, Virginia. Only 16.94% of those people have a Medicare Advantage plan, compared to the national average of 42.12%. So that more people in Charlottesville, Virginia, are aware of our available services, we will cover some of the available plans.
Medicare plans in Charlottesville, Virginia
Enrolling in a supplemental Medicare plan provides many opportunities to a beneficiary. Each plan supplements Original Medicare in Charlottesville, Virginia, differently and comes with different premiums and deductibles. The following quotes for these plans are for a 65-year-old female in Charlottesville, Virginia.
Cheapest Medicare Advantage plans in Charlottesville, Virginia
About 20,376 people use Medicare Advantage in Charlottesville, Virginia. These people can have any of the 16 plans available in Albemarle County.
Aetna is an HMO-POS plan that’s quite popular. It has a premium of $0 and has a 4-star rating given to it by Medicare. This plan has a maximum out-of-pocket cost (MOOP) of $5,400.
Another plan in the area is Humana. This plan also has a $0 premium and a 4-star rating. It’s a Local PPO plan, and its MOOP is $3,400.
Anthem Blue Cross Blue Shield is another 4-star plan in the area. It’s also a Local PPO and has a $0 premium. Its MOOP is slightly higher, at $6,700.
The average cost of Medicare Advantage plans in Charlottesville, Virginia
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Aetna | $0 | $5,400 | HMOPOS | 4 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 3 |
| Humana | $0 | $3,400 | LOCAL PPO | 4 |
| Anthem BCBS | $0 | $6,700 | LOCAL PPO | 4 |
| Anthem HealthKeepers | $0 | $4,900 | HMO | 3 |
Medicare Supplement plans
While Medicare may pay for most healthcare expenses you have, it does not cover them all. A private company sells Charlottesville, Virginia, Medicare Supplement plans to help cover the remaining costs. They have standard benefits nationwide, but the premiums change depending on the region.
Plan G is considered the best plan by most experts. It has a lower premium, costing from $105.33 to 337.02. Plan G is a great plan to pick, though it has higher copays to keep the low premium.
Plan N is a much cheaper alternative to Plan G. With Plan N, you pay significantly lower premiums, from $78.22 to $288.05. You are responsible for Part B excess charges with this plan.
Plan HDG has an even lower premium, costing $24 to $66.81. This plan has all the benefits of Plan G but a higher deductible. Weigh the costs carefully between this Plans G and HDG.
The average cost of Medicare Supplement plans in Charlottesville, Virginia
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $62.73 | $236.57 |
| PLAN B | $110.33 | $283.00 |
| PLAN C | $141.19 | $350.12 |
| PLAN D | $120.03 | $184.00 |
| PLAN F | $117.98 | $352.37 |
| PLAN HDF | $31.00 | $69.81 |
| PLAN G | $105.33 | $337.02 |
| PLAN HDG | $24.00 | $66.81 |
| PLAN K | $46.95 | $118.37 |
| PLAN L | $69.83 | $198.25 |
| PLAN M | $101.68 | $197.66 |
| PLAN N | $78.22 | $288.05 |
Medicare Part D prescription drug plans
Only some Medicare Advantage plans cover medications, and Medigap plans don’t cover them at all. Part D covers prescription drugs that beneficiaries need as part of their treatment and customizes drugs into various tiers and formularies, depending on the plan.
The Charlottesville, Virginia, Part D plan with the lowest premium is Aetna. It costs $7.10 regularly but has a deductible of $480. This plan has a 3-star rating from Medicare.
Humana has a significantly higher premium. It costs $22.70 and has the same deductible of $480. This plan has a higher 4-star rating.
UnitedHealthcare has an even higher premium of $28.10. With that higher premium, you receive a much lower deductible of $310. It also has a 4-star rating.
The average cost of Medicare Part D plans in Charlottesville, Virginia
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $7.10 | $480 | 3 |
| Wellcare | $11.70 | $480 | 3 |
| Humana | $22.70 | $480 | 4 |
| Clear Spring | $23.20 | $480 | 2 |
| UnitedHealthcare | $28.90 | $310 | 4 |
Medicare Special Needs plans
Special Needs Plans are a subset of Medicare Advantage plans only available to patients with special needs. They are unavailable in every area, but they help those with chronic disabilities or challenges.
Anthem Blue Cross Blue Shield is one plan with a $0 premium. It is a Local PPO plan with a maximum out-of-pocket cost (MOOP) of $6,700. It has dual eligibility, meaning it combines the benefits of Medicare and Medicaid for eligible beneficiaries.
Humana also has a $0 premium and a $6,700 MOOP. It is an HMO plan only available to those with specific disabilities or chronic illnesses.
Magellan has a higher MOOP of $7,550. Like the other two plans, it has a premium of $0. It’s also an HMO and has dual eligibility for Medicare and Medicaid.
The average cost of Medicare Special Needs plans in Charlottesville, Virginia
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Anthem HealthKeepers | $0 | $7,550 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Magellan | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $6,700 | HMO | Chronic or Disabling |
| Anthem BCBS | $0 | $6,700 | LOCAL PPO | Dual |
How to sign up for Medicare plans in Charlottesville, Virginia
No matter what plan you need, our agents at Medigap can help you. We can compare rates with you and find the best plan for your budget. Please call us or fill out our form today to get rates.
