Medicare Advantage plans, also called Part C, are private health plans that replace Original Medicare and often include extra benefits like dental, vision, and prescription drugs. If you live in Virginia, you have many options in 2026, and choosing the right plan depends on cost, coverage, and provider networks.
According to data from the Medicare Plan Finder tool, all Medicare beneficiaries can compare plans by ZIP code and see real costs and benefits.
In 2026, Virginia residents can choose from 143 Medicare Advantage plans, and every eligible person has access to at least one $0 premium plan.
The average monthly premium is about $9.19, which is slightly lower than in 2025.
Calculate Your 2026 COLA Increase →Top Medicare Advantage Providers in Virginia for 2026
Several large insurers offer highly rated Medicare Advantage plans in Virginia. These companies are known for strong benefits, large provider networks, and solid CMS star ratings.
Top providers include:
- UnitedHealthcare
- Aetna Medicare
- Humana
- Anthem HealthKeepers
- Kaiser Permanente
- Cigna Healthcare
These insurers offer different plan types such as HMO, PPO, and Special Needs Plans.
Some of the highest-rated plans for 2026 include:
- HumanaChoice H5216-152 (PPO)
- Anthem Medicare Advantage 3 (HMO-POS)
- Kaiser Permanente Medicare Advantage Standard plans
- Aetna Medicare Enhanced Plus (PPO)
These plans score well based on cost, coverage, and quality ratings.
What Medicare Advantage Plans Cover in Virginia
All Medicare Advantage plans must cover the same services as Original Medicare Part A and Part B. This includes hospital care and outpatient services.
Many plans also include extra benefits such as:
- Prescription drug coverage
- Dental and vision care
- Hearing services
- Fitness programs
For example, some plans from Humana Medicare Advantage plans include routine dental, vision, and hearing benefits along with $0 primary care visits.
Types of Medicare Advantage Plans Available
Virginia offers several types of Medicare Advantage plans. Each type works differently depending on how you receive care.
You can compare plan types directly on Medicare’s official plan comparison page.
The main types include:
- HMO plans: Require you to use a network of doctors
- PPO plans: Offer more flexibility to see out-of-network providers
- PFFS plans: Allow you to see any provider who accepts plan terms
- SNP plans: Designed for people with specific health needs
Each type has different costs and rules, so review carefully before enrolling.
How Much Do Medicare Advantage Plans Cost in Virginia
Costs vary depending on your location and the plan you choose. However, some general trends apply in 2026:
- Average premium: about $9.19 per month
- Many plans: $0 premium options available
- Out-of-pocket costs: vary by plan and provider
In some counties, many plans cost nothing beyond the Part B premium. For example, several counties offer multiple $0 premium options.
Even if a plan has a low premium, always check deductibles, copayments, and the maximum out-of-pocket limit.
How to Choose the Best Plan in Virginia
Choosing the best Medicare Advantage plan depends on your health needs and budget. There is no single plan that works for everyone.
Focus on these key factors:
- Monthly premium and total yearly costs
- Doctor and hospital network
- Prescription drug coverage
- Extra benefits like dental and vision
- CMS star ratings
You can compare plans and enroll using the official Medicare Plan Finder tool.
Can I keep my current doctors with Medicare Advantage in Virginia
If you have preferred doctors, check whether they are in the plan’s network.
HMO plans usually require you to use network providers, while PPO plans give more flexibility to see out-of-network doctors.
Do Medicare Advantage plans cover emergency care outside Virginia
Most Medicare Advantage plans cover emergency care anywhere in the United States.
Some plans also cover urgent care while traveling internationally, but rules vary by provider.
Are dental and vision services included in every plan
Not every plan includes dental or vision. Extra benefits vary by insurer and plan.
Many Humana, Kaiser Permanente, and Aetna plans provide these services, but you should check the specific plan details.
How do I know if a Medicare Advantage plan is high quality
CMS star ratings measure plan quality from 1 to 5 stars. Look for plans with 4 stars or higher.
These ratings consider customer service, member satisfaction, and health outcomes.
How do I enroll in a Medicare Advantage plan in Virginia
You can enroll during the Annual Enrollment Period, which typically runs from October 15 to December 7 each year. Use the official Medicare Plan Finder tool to compare plans in your ZIP code.
Evaluate monthly premiums, provider networks, out-of-pocket costs, and extra benefits before making a decision. Plans can also be changed during certain Special Enrollment Periods if your circumstances change.
