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 be covering some of the plans available in the area.

Supplemental Medicare Plans in Charlottesville, Virginia

Enrolling in a supplemental Medicare plan provides many opportunities to a beneficiary. Each plan supplements Parts A and B 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 a 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 is 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 is a Local PPO plan, and its MOOP is $3,400.

Anthem Blue Cross Blue Shield is another 4-star plan in the area. It is also a Local PPO and has a $0 premium. Its MOOP is slightly higher, at $6,700.

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

Average Medicare Supplement Plans in Charlottesville, Virginia

While Medicare may pay for most healthcare expenses you have, it does not cover them all. A private company sells a Medigap plan to help cover the remaining costs. They have standard benefits across the nation, 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 it has a higher deductible. Weigh the costs carefully between this Plans G and HDG.

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

Affordable Medicare Part D in Charlottesville, Virginia

Only some Medicare Advantage plans cover prescriptions, 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 plan in the area 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.

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 not available 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 and has a maximum out-of-pocket cost (MOOP) of $6,700. It has dual eligibility, meaning it combines the benefits of Medicare and Medicaid for beneficiaries who are eligible for both.

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 is also an HMO and has dual eligibility for Medicare and Medicaid.

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

FAQs

What is Medicare Part B Buy-In in Charlottesville, VA?

Part B buy-in is where the State pays the monthly premium for Medicare Part B. The State determines the payment amount using a credit system based on your income. The buy-in allows individuals with a lower income to have a Part B plan because the State pays a portion of their bill.

What are the four types of Medicare in Charlottesville, VA?

Part A provides for hospital needs. Medicare Part B pays for any outpatient needs. Part C is a Medicare Advantage plan, allowing different ways to get Medicare benefits. Part D pays for prescription drugs, depending on the plan and formulary.

How do Veterans Affairs benefits work with Medicare in Charlottesville, VA?

The VA strongly recommends that veterans also apply for Medicare. It broadens your coverage, but it also keeps you from losing your VA status, which can happen when you reach the age of 65.

Are excess Medicare charges allowed in Charlottesville, VA?

Yes, they are. Original Medicare may not always cover 100% of your medical expenses. To keep yourself from paying these expenses, take advantage of the Medicare Supplement plans that cover those excess expenses.

Can you have both Medicare and Medicaid in Charlottesville, VA?

Yes, you can. Medicare and Medicaid provide for different needs. You can qualify for both of them.

How to Sign Up for Supplemental Medicare 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 that fits you and your budget. Please call us or fill out our form today to get rates.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.