There are 217,161 Medicare Part A and Part B enrollees in Norfolk, VA. 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.

Supplemental Medicare Plans in Norfolk, Virginia

By enrolling in supplemental Medicare, beneficiaries in Norfolk, VA, 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.

Cheapest Medicare Advantage Plans in Norfolk, VA

Norfolk, Virginia, has 54,193 enrollees in a Medicare Advantage plan. Enrollees have several affordable plans to cover costs Medicare doesn’t cover. As Norfolk does not belong to a specific county, the independent city offers 25 different 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.

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 HMOPOS 4

Average Medicare Supplement Plans in Norfolk, VA

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 Medigap plans 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 do not get covered.

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

Affordable Medicare Part D in Norfolk, VA

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 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.

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

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.

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

FAQs

Does Social Security take care of Medicare in Norfolk, VA?

Yes, Social Security takes care of Medicare patients. If you already receive Social Security or are 65 or older, you are eligible.

What is the average cost of Medicare in Norfolk, VA?

Average premium costs in Norfolk are $48.24. Average deductibles are around $272.50.

What is the income limit for Medicare in Norfolk, VA?

Single-person households must make $851. Couples can make up to $1,150 and remain eligible.

What is the basic cost of Medicare Part B in Norfolk, VA?

The basic cost for Part B Medicare in Norfolk, Virginia, is $170.10. You may pay additional fees depending on your plan.

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

Types of Medicare include Part A, Part B, Part C, and Part D. Your coverage may vary depending on your benefits.

How to Sign Up for Supplemental Medicare in Norfolk

To sign up for Medicare in Norfolk, Virginia, visit your local Social Security office. 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!

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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.