Medicare in Virginia

Virginia has a Medigap birthday rule. Once a year, around your birthday, you can switch to another Medigap plan with the same benefits without answering health questions. The exact window length and rules are set by state regulators, so the details matter. Outside that window, and outside your original six-month Medigap Open Enrollment Period, standard medical underwriting usually applies.

Pinnacle Insurance Advisors is licensed in Virginia. Our independent advisors compare Medicare Supplement, Medicare Advantage, and Part D options available where you live, explain the trade-offs in plain English, and help you enroll, all at no cost to you. Most Virginia clients work with us entirely by phone.

Virginia's rule began on July 1, 2025. Each year you get a 60 day open enrollment period starting on your birthday, and during it you can switch to a Medigap policy that provides the same benefits as your current one, from any insurer issuing Medigap policies in Virginia, without denial or higher pricing based on health status. Moving to richer benefits can still involve underwriting.