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Updated: May 8, 2026
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Written by Renée van Staveren
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Fact checked by April Abaray
Edited by David Luna, Health Insurance License
NPN: 6739691 | Licensed in VirginiaIf you’re looking to compare Medicare Supplement plans in Covesville, Virginia, the most commonly selected options, according to AHIP, are Plan G, Plan N or Plan A. These Medigap plans may help cover out-of-pocket costs that Original Medicare does not pay, often including deductibles, copayments, and coinsurance.
In Covesville, monthly premiums for Medicare Supplement plans typically range from $32.00 to $911.00, depending on your sex, age, ZIP code, and plan type. Because Medigap plans are standardized nationwide, the main differences between options are monthly cost, out-of-pocket exposure, and insurance carrier reputation & customer service, making it important to compare plans available in your area.
Most people choose Plan G, Plan N or Plan A depending on budget.
| Medigap Plan | Best For |
|---|---|
| Plan G | Lowest out-of-pocket costs and most predictable coverage |
| Plan N | Lower monthly premiums with small copays for doctor and ER visits |
| Plan A | Lowest-cost option for basic coverage needs |
Location: Covesville, Albemarle County, Virginia
ZIP Codes in Covesville: 22931
Local Medicare data:
In Virginia, most Medicare beneficiaries choose Plan G, Plan N or Plan A for their balance of coverage and cost.
| Medigap Plan | % of Enrollees | Number of Enrollees |
|---|---|---|
| Plan G | 46.09% | 197,935 |
| Plan N | 7.08% | 30,401 |
| Plan A | 0.59% | 2,527 |
| Other Plans | 46.24 % | 198,604 |
| Medigap Plan | Monthly Premium | Coverage Level | Key Tradeoff |
|---|---|---|---|
| Plan G | $110 - $911 | Highest (except Part B deductible) | Higher monthly premium |
| Plan N | $87 - $702 | High (small copays apply) | Copays for doctor and ER visits |
| Plan A | $85 - $3,839 | Basic | Covers fewer benefits; higher out-of-pocket costs |
| Age | Plan G Estimate | Plan N Estimate | Plan A Estimate |
|---|---|---|---|
| 65 | $110.00 - $406.00 | $115.00 - $432.00 | $137.00 - $513.00 |
| 70 | $87.00 - $322.00 | $91.00 - $342.00 | $109.00 - $407.00 |
| 75 | $85.00 - $396.00 | $107.00 - $421.00 | $124.00 - $489.00 |
If you apply outside the Medigap Open Enrollment Period, insurers may review your health history, and approval is not guaranteed.
This process is called medical underwriting.
Applicants may:
Typical Approval Likelihood:
Speaking with a licensed advisor can help you find carriers more likely to approve your application. That is why many people enroll during their guaranteed-issue window.
Get help choosing a Medicare Supplement plan in Covesville.
Call 1-888-814-11201-888-814-1120 to compare plans and see your price.
No obligation. No-cost, unbiased enrollment guidance.
No-cost, unbiased service
Compare all major plans and carriers
Local, licensed insurance agents with 25+ years of combined experience
Definition:
Medicare Supplement (Medigap) is provided by private insurance companies endorsed by the U.S. government. According to Medicare.gov, Medigap helps cover costs that Original Medicare Parts A and B do not pay, including deductibles, copayments, and coinsurance.
Part A helps cover:
However, Medicare Part A hospital deductibles and coinsurance may still apply. Many Medigap plans help cover these expenses.
Part B helps pay for services such as:
According to Medicare.gov, after meeting the Part B deductible, Medicare usually pays 80% of approved services. Medigap plans often cover the remaining 20% coinsurance.
Many residents compare Medigap with Medicare Advantage plans. Some people prefer Medigap because it offers more provider flexibility nationwide.
| Plan Feature | Medicare Supplement | Medicare Advantage |
|---|---|---|
| Provider access | Any Medicare doctor | Usually network-based |
| Out-of-pocket costs | Predictable | Varies |
| Referrals | Not required | May be required |
| Premiums | Usually higher | Often lower |
| Benefits | A | B | D | G2 | K | N |
|---|---|---|---|---|---|---|
| Part A coinsurance and hospital stay costs | |
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| Part B copays and coinsurance | |
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50% | $20 office/$50 emergency room visits |
| Part A hospice care coinsurance or copayment1 | |
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50% | |
| Skilled nursing facility care coinsurance |  |
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50% | |
| Part A deductible | |
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50% | |
| Part B deductible | |
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| Part B excess charges | |
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| Blood (first 3 pints) | |
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50% | |
| Foreign travel emergency (up to plan limits) | |
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80% | 80% | |
80% |
| Out-of-pocket maximum in 20263 | N/A | N/A | N/A | N/A | $8,000 | N/A |
Review your Medicare coverage options in Covesville.
Call 1-888-814-11201-888-814-1120 to compare plans and see your price.
No obligation. No-cost, unbiased enrollment guidance.
No-cost, unbiased service
Compare all major plans and carriers
Local, licensed insurance agents with 25+ years of combined experience
The enrollment process usually follows three steps.
You must first enroll in:
This usually happens around age 65 through the Social Security Administration. If you’re at this stage, a local licensed Connie Health agent can help ensure you don’t miss your enrollment window, which can cause lifetime late enrollment penalties.
Compare plans based on:
Your Medicare Supplement Open Enrollment Period lasts six months and begins when:
According to Medicare.gov, during this period:
Once you are enrolled in Medicare Part A and Part B, you can explore your Medicare Supplement options.
A licensed agent can help you:
Get help with your Medicare Supplement enrollment in Covesville.
Call 1-888-814-11201-888-814-1120 to check your plan options with a local licensed agent.
No obligation. No-cost, unbiased enrollment guidance.
No-cost, unbiased service
Compare all major plans and carriers
Local, licensed insurance agents with 25+ years of combined experience
In Virginia, the most popular Medicare Supplement plan is Plan G, followed by Plan N and Plan A, based on enrollment data. Most beneficiaries choose these plans because they offer a strong balance of coverage and monthly cost.
In Covesville, the lowest-cost Medicare Supplement plans typically start around $32.00 per month, depending on sex, age, ZIP code, and plan type. Plans with lower premiums may include Plan N, Plan A, or Plan K, while higher-coverage options like Plan G usually cost more.
In Covesville, Plan G premiums typically range from $110 - $911 per month, depending on sex, age, ZIP code, tobacco use, and pricing method.
In Covesville, Plan N premiums usually range from $87 - $702 per month. Plan N premiums are often lower than Plan G, but Plan N includes $20 copays for some doctor visits and $50 emergency room visits.
Plan G is usually better for people who want more predictable costs and fewer out-of-pocket expenses. Plan N is often better for people who want a lower monthly premium and are comfortable paying $20 copays for doctor visits and $50 for emergency room visits.
In Virginia, there are 12 Medicare Supplement plan types available, including Plan A, Plan B, Plan C, Plan D, Plan F, Plan F high-deductible, Plan G, Plan G high-deductible, Plan K, Plan L, Plan M, and Plan N. Even when several plans are available, most beneficiaries tend to compare only a few options, such as Plan G or Plan N.
Yes, if you apply outside your Medigap Open Enrollment Period, insurers may review your health history and may deny coverage or charge higher premiums. During your Medigap Open Enrollment Period, you generally have guaranteed acceptance.
No. Medicare Supplement plans do not include prescription drug coverage. Most people enroll in a separate Medicare Part D plan for prescription benefits.
Yes. Medicare Supplement plans generally let you visit any doctor or hospital in the United States that accepts Medicare. Unlike many Medicare Advantage plans, Medigap coverage does not usually rely on provider networks.
Most people choose Plan G or Plan N because they offer a strong balance of coverage and monthly cost. Plan G provides more comprehensive coverage, while Plan N offers lower premiums with small copays.
Medicare Supplement premiums in Covesville may vary based on age, ZIP code, tobacco use, your sex, plan type, and pricing method. Premiums can also change over time.
Renée van Staveren
Since 2009, Renee has written about technical topics, aiming to make subjects like Medicare and healthcare easier to understand. She has covered healthcare since 2019 and Medicare since 2021, and is an AmeriCorps alum who enjoys gardening, reading, and DIY projects.
David Luna
David is a Spanish-speaking Life and Health Insurance agent who has helped people navigate Medicare since 2005. A Marine Corps veteran and former police officer, he enjoys football and basketball, but values spending time with his family above everything else.
U.S. Centers for Medicare and Medicaid Services. (2026, May 8). Get Medigap Basics. Medicare. https://www.medicare.gov/health-drug-plans/medigap/basics
U.S. Centers for Medicare and Medicaid Services. (2026, May 8). Get Ready to Buy. Medicare. https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy
U.S. Centers for Medicare and Medicaid Services. (2026, May 8). Get Started with Medicare. Medicare. https://www.medicare.gov/basics/get-started-with-medicare
U.S. Centers for Medicare and Medicaid Services. (2026, May 8). Compare Medigap plan benefits. Medicare. https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits
U.S. Centers for Medicare & Medicaid Services. (2026, May 8). MA State/County Penetration. CMS.gov. https://www.cms.gov/data-research/statistics-trends-and-reports/medicare-advantagepart-d-contract-and-enrollment-data/ma-state/county-penetration
U.S. Department of Health and Human Services Centers for Medicare & Medicaid Services. (Year, Month Day). Choosing a Medigap policy. Medicare. https://www.medicare.gov/publications/02110-choosing-a-medigap-policy-a-guide-to-health-insurance-for-people-with-medicare.pdf
1Up to an additional 365 days after Medicare benefits are used up.
2Plan G offers a high deductible plan in some states.
3Plan K shows how much they'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% for approved services.
Compare Medicare Supplement plans in the following zip codes in Covesville, Virginia: 22931
Last updated: May 8, 2026
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