There are 321,321 beneficiaries enrolled in both Part A and B Medicare in Richmond, Virginia. Currently, 236,284 enrollees get fee-for-service benefits, while those with Medicaid Advantage take up 26.46% of all enrolled patients. The average age for participating residents of Richmond is around 72.

Keep reading to learn about the available supplemental Medicare plans and Medicare alternatives.

Medicare plans in Richmond, Virginia

Medicare beneficiaries can get costs not paid by Medicare-covered through supplemental plans with Medigap or Medicare Advantage. Current Richmond, Virginia Original Medicare enrollees can get savings on Part A, Part B, and additional healthcare needs, such as prescriptions. The following price quotes are for a 70-year-old woman.

Medicare Advantage plans

Richmond, VA, is at the seat of Henrico County. Currently, the City of Richmond features 30 Medicare Advantage plans. Of all the Richmond, Virginia, Medicare Advantage beneficiaries, 55.84% are female, and 44.16% are male.

One of the most popular average Medicare Advantage plans is through UnitedHealthcare (LOCAL PPO). It features a $0 monthly premium and $6,700 in maximum out-of-pocket costs. Its three-star rating means it offers relatively good benefits for the price.

Patients who select an Anthem Blue Cross Blue Shield (LOCAL PPO) plan will also have a no-cost monthly premium. Its generous four-star rating is thanks to full coinsurance coverage. You’ll pay up to $6,700 out of pocket.

Clear Spring Health (LOCAL PPO) is another option for those with Medicare in Richmond, Virginia. While it currently has no star ratings, its maximum out-of-pocket costs are only $5,000. Clear Spring Health plans come with additional benefits, such as prescription drug coverage.

The average cost of Medicare Advantage plans in Richmond, Virginia

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $7,550 REGIONAL PPO 4
UnitedHealthcare $0 $6,700 LOCAL PPO 3
Anthem BCBS $0 $6,700 LOCAL PPO 4
Clear Spring $0 $5,000 LOCAL PPO N/A
Anthem HealthKeepers $0 $3,450 HMO 3

Medicare Supplement plans

Medigap plans are insurance coverage plans that cover expenses that Medicare does not. Premiums for Medigap plans differ between states, but plans and benefits stay the same across the country. In Richmond, VA, a Medicare Supplement could be as little as $37.16 or as much as $385.15.

Medigap Plan G is one of the most popular letter plans in Richmond for its almost full coverage. The only thing this plan does not cover is the Part B deductible. You could pay between $106.59 and $337.02.

The cheapest Medicare Supplement plan is Medigap Plan HDG. This is a high-deductible plan with the same benefits as regular Plan G. Instead of paying a high premium, patients can pay a higher deductible to get lower monthly premiums between $37.16 and $74.46.

Medigap Plan F is another popular option for Richmond patients. The lowest premium is $130.74. The highest premium you could pay is $385.15.

The average cost of Medicare Supplement plans in Richmond, Virginia

PLAN A $82.11 $267.43
PLAN B $117.00 $283.00
PLAN C $149.58 $350.12
PLAN D $154.79 $230.00
PLAN F $130.74 $385.15
PLAN HDF $40.00 $77.78
PLAN G $106.59 $337.02
PLAN HDG $37.16 $74.46
PLAN K $51.76 $118.37
PLAN L $74.08 $214.71
PLAN M $127.82 $246.08
PLAN N $86.22 $288.05

Medicare Part D prescription drug plans

Richmond, Virginia, Medicare Part D plans cover drug and prescription-related expenses. Some Medicare Advantage plans cover medications, while Medigap plans don’t.

Aetna is the most affordable option with a $7.10 premium and $480 deductible. It features a decent three-star rating for affordability and benefits. WellCare offers a reasonable $11.70 premium, a three-star rating, and a $480 deductible.

UnitedHealthcare offers a $28.90 monthly premium and only a $310 deductible. Its four-star rating indicates patient satisfaction.

The average cost of Medicare Part D plans in Richmond, Virginia

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 (SNPs) are Medicare Advantage plans suitable for those with disabilities and special needs.

Optima (HMO) offers an SNP in Richmond with a $0 premium and $6,700 MOOP. Aetna (HMO) features a $0 premium and monthly out-of-pocket limits up to $7,550. Both plans require dual eligibility.

UnitedHealthcare (HMO) also provides a free premium and $7,550 out-of-pocket. Dual eligibility is necessary.

The average cost of Medicare Special Needs plans in Richmond, Virginia

PLAN PREMIUM MOOP Plan Type Eligibility
Anthem HealthKeepers $0 $3,450 HMO Institutional
Aetna $0 $7,550 HMO Dual
Optima $0 $6,700 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Align $0 $4,700 HMO Institutional

How to sign up for Medicare plans in Richmond

If you want to sign up for Medicare in Richmond, Virginia, you can visit your local Social Security office to apply or apply online. can help you find a plan that fits your budget and medical needs. We work with all carriers and compare available plans to ensure you get the best one.

Are you interested in taking advantage of supplemental Medicare in Richmond, VA? Stay updated on Richmond’s Medigap and Medicare Advantage plans with Contact our team today or fill out our online form to get rates.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.