There are 217,161 Medicare Part A and Part B enrollees in Norfolk, Virginia. Medicare in Norfolk, Virginia, plans have 162,968 participants, while 24.96% of the city’s enrollees rely on Medicare Advantage. Below, we detail all the essential information on getting supplemental Medicare through Medigap and Medicare Advantage plans.
Medicare plans in Norfolk, Virginia
By enrolling in supplemental Medicare, beneficiaries with Original Medicare in Norfolk, Virginia, can find the perfect plan to cover costs that Medicare doesn’t handle. Medigap or Medicare Advantage plans may cover prescription medication and special needs treatment expenses. The current data available is for a 70-year-old male.
Medicare Advantage plans
Norfolk, Virginia, has 54,193 enrollees in a Medicare Advantage plan. Enrollees have several affordable plans to cover costs Medicare doesn’t cover. As the city doesn’t belong to a specific county, it offers 25 different Norfolk, Virginia, Medicare Advantage plans to help you save money while getting necessary Medicare benefits.
Optima (HMO) has one of the cheapest Medicare Advantage plans available, with maximum out-of-pocket costs starting at $3,400 and no monthly premium. The plan has a relatively high star rating of four stars.
Another plan, Anthem HealthKeepers (HMO), offers a $4,900 MOOP. With a three-star rating, this plan balances higher-end affordable plans and lower-tier options. Medicare Advantage enrollees will pay no monthly premium for this plan and get exclusive coverage in Norfolk, Virginia.
Aetna (HMO-POS) has higher maximum out-of-pocket expenses but no monthly premium. Beneficiaries pay up to $6,700 for the four-star rated plan. People enjoy this plan for its extra benefits and a copay as low as $0.
The average cost of Medicare Advantage plans in Norfolk, Virginia
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Anthem HealthKeepers | $0 | $4,900 | HMO | 3 |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Anthem BCBS | $0 | $7,550 | LOCAL PPO | 4 |
| Optima | $0 | $3,400 | HMO | 4 |
| Aetna | $0 | $6,700 | HMO-POS | 4 |
Medicare Supplement plans
Medigap is another worthwhile alternative to cover costs not handled by traditional Medicare. These plans feature the same benefits in each state, but monthly premiums will vary depending on location. Regardless of your plan, most premiums don’t exceed $450.
One of the most popular Medicare Supplement plans in Norfolk, Virginia is Medigap Plan G. This plan covers everything but the Part B deductible and is popular for that reason. Enrollees could pay monthly premiums as low as $122.57 and $383.94.
Medigap Plan F is another excellent plan but features slightly higher monthly premiums, between $150.35 and $442.86. Patients choose this plan for its lack of out-of-pocket limitations and full coverage benefits, including Part A and B deductibles.
Another plan, Medigap Plan N, offers considerable coverage for coinsurance and copays. However, beneficiaries will only pay a premium between $99.15 and $327.85. Unfortunately, Part B deductibles and excess charges don’t get covered.
The average cost of Medicare Supplement plans in Norfolk, Virginia
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $85.51 | $307.50 |
| PLAN B | $134.50 | $322.75 |
| PLAN C | $172.00 | $398.87 |
| PLAN D | $164.22 | $265.00 |
| PLAN F | $150.35 | $442.86 |
| PLAN HDF | $44.78 | $85.96 |
| PLAN G | $122.57 | $383.94 |
| PLAN HDG | $41.17 | $82.29 |
| PLAN K | $59.13 | $134.87 |
| PLAN L | $85.08 | $238.46 |
| PLAN M | $142.57 | $273.33 |
| PLAN N | $99.15 | $327.85 |
Medicare Part D prescription drug plans
Traditional Medicare plans don’t offer prescription coverage, but Medicare Part D plans cover prescription drugs and related expenses. You’ll get covered with some Medicare Advantage plans, but not Medigap.
The most affordable Medicare Part D plan is through Aetna. With a premium of only $7.10 and a $480 deductible, this plan offers the lowest rates for Medicare Part D in Norfolk, Virginia. It features a reasonable three-star rating.
WellCare features another reasonably priced prescription coverage plan. Its three-star rating proves its adequate balance between cost-effectiveness and coverage. Patients pay a monthly premium of $11.70 and have a $480 deductible.
Humana offers a plan with only a $22.70 premium. You’ll pay a $480 deductible for additional benefits, including a mail-order pharmacy. It’s the best-rated plan with four stars.
The average cost of Medicare Part D plans in Norfolk, 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 |
Special Needs plans
Medicare Special Needs Plans (SNPs) are a category of Medicare Advantage plans. These plans help patients with special needs get coverage for specialized treatments. Most patients must have a qualifying condition or have chronic disabilities to qualify.
Align Senior Care (HMO) is the most affordable SNP featuring a $0 monthly premium. You’ll pay up to $4,700 maximum out-of-cost expenses. To be eligible for this plan, patients must have a disability that qualifies them for institutional treatment.
Anthem HealthKeepers (HMO) is another worthwhile Special Needs Plan featuring a $0 monthly premium and $5,900 out-of-pocket. Enrollees must have a chronic or disabling condition to qualify.
Medicare and Medicaid dual enrollees can also choose an SNP from UnitedHealthcare (HMO). This plan features a $0 premium and $7,550 MOOP.
The average cost of Medicare Special Needs plans in Norfolk, Virginia
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Align Senior Care | $0 | $4,700 | HMO | Institutional |
| Anthem HealthKeepers | $0 | $5,900 | HMO | Chronic or Disabling |
| Aetna | $0 | $7,550 | HMO | Dual |
| Optima | $0 | $6,700 | HMO | Dual |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Norfolk
Visit your local Social Security office to sign up for Medicare in Norfolk, Virginia. Before enrolling, visit Medigap.com’s website and learn more. We offer helpful insight into Norfolk’s supplemental plans — call us today or fill out our rate form to get rates on plans!
