Protect Your Savings From Expenses that Virginia Medicare Does Not Cover

  • Deductibles
  • Copayments
  • Hospital Services
  • Doctor Bills
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Virginia Medicare Advice | VA Medicare Frequently Asked Questions

Medicare Part D

Virginia Medicare is a federal health insurance program available to person 65 years of age or older. Medicare is also available to persons under age 65 years old with certain disabilities and people with end-stage renal disease. If you or a member of your household does not qualify for Virginia Medicare coverage, then we can help you find affordable Virginia health insurance coverage. We represent all major Virginia health insurance providers. Call 800-418-5501 for a no hassle Virginia health insurance quote.

Original Medicare

One of your Virginia health coverage options is Original Medicare, this plan is a fee-for-service plan managed by the federal government. If you have Medicare Part A or Part B and you have not signed up for a Medicare Advantage plan, then you have Original Medicare.

Important Things to Know About Original Medicare

If you have Medicare Part A, you get all the Part A-covered services; if you have Medicare Part B, you get all the Part B-covered services. You'll usually pay a monthly premium for Medicare Part B You can go to any Virginia doctor or provider that accepts Medicare and is accepting new Virginia Medicare patients, or to any hospital or other facility. Your Medicare plan will have deductible that you will have to pay before Medicare begins paying for health care expenses.

Original Virginia Medicare provides very basic coverage for medical expenses, so you are still responsible for costs such as deductibles and coinsurance. However, there are two additional Medicare option available help you cover the cost of these expenses. Your first option is Medicare Advantage plans. These plans are an alternative to Original Medicare. Medicare Advantage plans will offer extra benefits that Original Medicare and most Medicare Supplement plans will not. Most Virginia Medicare Advantage plans include prescription drug coverage that is equal to or better than Medicare's standard.

Your second option is a Virginia Medicare Supplement plan. These plans also referred to as Virginia Medigap policies, can be purchased in addition to Original Medicare. Virginia Medicare Supplement plans are designed to pay some of the costs that Medicare does not cover for example, deductibles and coinsurance. While these plans do not include prescription drug coverage, you can purchase a separate Virginia Medicare prescription drug plan. Click here to find out about Virginia Medicare Part D and your other prescription drug options.

Q: What is a Medicare Supplement plan?
A: A Medicare Supplement insurance plan helps cover the "gaps" in coverage that are left unpaid after Original Medicare pays its portion of your health care expenses. Visit our Medicare Supplement Plans section for more information.

Q: Can you help me compare Original Medicare to the Medicare Advantage plans?
A: Yes. Visit our Medicare Advantage Plans section.

Q: What should I consider when purchasing a Medicare Supplement Insurance Policy?
A: Be sure that you understand how it works with your original medicare plan and the it minimizes you out of pocket expenses. View our Medicare Supplement Buyer's Guide for more information or call us at 800-418-5501 and we will help you find the right plan.

Q: Why should someone buy Medicare Supplement Insurance?
A: There are out-of-pocket costs not covered by Medicare and Medicare Supplement Insurance policy may fill these gaps.

Q: Does is cost me anything to work with e-medicareplans.com?
A: No. The insurance carrier you select, will compensate e-medicareplans.com for servicing you. You are NOT charged in an increase premium for working with an agent.

Q: Will a Medicare Supplement cost less if I purchase it with an insurance company instead of e-medicareplans.com?
A: No. Medicare supplement rates are regulated by the federal government. Because of this your rates will be same for the same plan whether your purchase it through us or the insurance carrier. At e-medicareplans.com we take pride in being knowelegable in the A-Z of medicare so give us a call at 1-800-418-5501 and will help you sort through your options.

Q: Can I keep my current doctor?
A: As long as your doctor is Medicare provider you should be able to keep seeing them becuase Medicare supplement insurance companies do not have networks.

Q: Do I need more than one Medicare Supplement policy?
A: No. It is illegal for insurance companies to sell you more than one policy.

Q: Will in Medicare Supplement plan cover me if I have a preexisting condition?
A: Possibly. Insurance companies will usually ask for proof of prior coverage before offering coverage for conditions. Howeever, there some instances where this is not necessary to provide coverage from preexisting conditions. Give us a call at 800-418-5501 so when can help you find coverage to cover your health conditions.

Q: What can I do if I'm declined for a Medicare Supplement Plan?
A: No two insurance companies have the same underwriting standards. So, if you are declined we can simply review you application and submit it to different insurance company. At e-medicareplans.com we pay attention to detail and try to do it right the first time to avoid this situation.

Q: Can my Medicare supplement insurance be terminated for any reason?
A: No.The Federal Government provides protection against this happening. However, an insurance company can terminate your coverage if you fail to pay your premiums, if there are any omissions or misrepresentations on your application, or the insurance company becomes insolvent.

Q: How long must I keep my Medicare Supplement plan before canceling?
A: Medicare supplement insurance companies are a month-to-month contract. So you cancel at anytime.

Q: Where can I get more information about Medicare Advantage plans and my Social Security benefits?
A: For more Medicare information you can call us at 1-800-418-5501 or visit the sites below.