Serving Virginia
Medicare help in Virginia
Legacy Life Group holds a Virginia insurance license and helps Virginia residents compare Medicare Advantage, Medicare Supplement and prescription drug plans, at no cost.
Why local plan comparison matters in Virginia
The Medicare Advantage plans available to you, their provider networks, their drug formularies and their premiums are set at the county level. Medicare Supplement pricing also varies by state and by carrier. A plan that is excellent one county over may not even exist in yours.
As independent agents serving Virginia, we compare the plans that are actually offered where you live, check them against your doctors and your medication list, and give you a straight recommendation. If staying put is your best move, we will tell you that too.
What we help Virginia residents with
- Turning 65 and enrolling for the first time
- Comparing Medicare Advantage vs. Medicare Supplement
- Annual plan reviews during AEP (October 15 - December 7)
- Part D drug plan selection based on your prescriptions
- Life insurance, fixed annuities and hospital indemnity plans
Medicare in Virginia: what's different
Medicare is a federal program, but a few important rules and resources are set state by state. Here is what applies in Virginia.
Medicare Advantage in Virginia
About 42% of Virginians with Medicare Parts A and B are in a Medicare Advantage plan in 2026, well below the national share of about 55%. Virginia has about 1.75 million people on Medicare.
Sources: KFF, 2026, CMS enrollment, May 2026
Medigap rules in Virginia
Virginia has a Medigap "birthday rule." Since July 1, 2025, each year starting on your birthday you have at least 60 days to switch to a Medigap plan with the same benefits from any insurer, for example Plan G to Plan G, with no health questions. Virginia also requires insurers to offer at least one Medigap plan to people under 65 who have Medicare because of a disability or ESRD, at no more than their age-65 rate.
Help paying for Medicare
If your income is limited, a Medicare Savings Program can pay your Part B premium and sometimes more. In Virginia, apply through the Virginia Department of Medical Assistance Services (Cover Virginia). For help with drug costs, you can also apply for Extra Help through Social Security.
Free counseling and license checks
VICAP (Virginia Insurance Counseling and Assistance Program) offers free, unbiased Medicare counseling at 1-800-552-3402. You can look up any agent's license, including ours, with the Virginia Bureau of Insurance.
Do you charge Virginia residents for help?
No. Our services are free. We are paid by the carriers when you enroll, and your premium is the same either way.
Can you help me remotely?
Yes. We work with clients by phone and video across every state we serve, and everything can be handled without an office visit.
What is Virginia’s Medigap birthday rule?
Since July 1, 2025, Virginians with a Medigap plan get at least 60 days each year, starting on their birthday, to switch to a plan with the same benefits from any insurer without answering health questions. It is a chance to shop for a lower premium every year. It does not let you move to a plan with more benefits, and it does not apply to Medicare Advantage.
Which plans do you offer in Virginia?
We are appointed with multiple A-rated carriers. We do not offer every plan available in your area; please contact Medicare.gov or 1-800-MEDICARE for information on all of your options.
No cost, no obligation
Ready to compare your Virginia options?
Get a straight answer about your Medicare options from a real person. We help you compare plans from A-rated carriers, and our help is always free.