Virginia Insurance Counseling and Assistance Program (VICAP)
Free, unbiased Medicare counseling in Virginia. Trained counselors go through your costs and choices with you, and they don't sell plans.
Medicare and health costs
Medicare Savings Programs in Virginia
Virginia's Medicaid program, Cardinal Care, runs three Medicare Savings Programs that pay your Medicare Part B premium, and with QMB also your Part A premium and Medicare cost-sharing.
Virginia uses the federal income and savings limits. You can apply online through CommonHelp, by phone with Cover Virginia, by mail, or at your local Department of Social Services.
How to apply in Virginia
- By phone
- 1-855-242-8282
- In person
- Drop off a paper application at your local Department of Social Services office. You can also get help there, or from a local application assister.
- By mail
- Mail your application to Cardinal Care Correspondence Center, P.O. Box 1820, Richmond, VA 23218.
Applying is free. Nobody should charge you to apply.
Apply on the official siteWho may qualify in Virginia
| 2026 figures | One person | Married couple |
|---|---|---|
| QMB income limit | $1,330 a month (after the first $20 of income is set aside) | $1,804 a month (after the first $20 of income is set aside) |
| SLMB income limit | $1,596 a month (after the first $20 of income is set aside) | $2,164 a month (after the first $20 of income is set aside) |
| QI income limit | $1,796 a month (after the first $20 of income is set aside) | $2,435 a month (after the first $20 of income is set aside) |
| Savings limit | $9,950 | $14,910 |
Source: Virginia Department of Medical Assistance Services (source 1)
What you may get
| What QMB pays | Your Part A and Part B premiums and your Part A and Part B cost-sharing |
|---|---|
| What SLMB pays | Your Part B premium |
| What QI pays | Your Part B premium |
Source: Virginia Department of Medical Assistance Services (source 1)
Good to know
- Virginia lists its income limits as straight poverty-level amounts and sets aside the first $20 of monthly income before comparing, so $1,330 here lines up with the federal $1,350.
- Your home, one car, burial plots, household furnishings and personal jewelry don't count toward the savings limit.
Source: Virginia Department of Medical Assistance Services (source 2)
Free help
Free help with this in Virginia
Division for the Aging
Your local Area Agency on Aging can help with meals, rides, help at home, caregiver support and applying for benefits.
More help in Virginia
Medicare Savings Programs in another state
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Washington
- West Virginia
- Wisconsin
- Wyoming
Sources
- Virginia Department of Medical Assistance Services, Cardinal Care Fact Sheet: Medicare Savings Programs (official government site). Checked Oct 28, 2026.
- Virginia Department of Medical Assistance Services, Virginia Medical Assistance Eligibility Manual, Chapter M08: ABD Income (official government site). Checked Oct 28, 2026.
- Cover Virginia (Virginia Department of Medical Assistance Services), How to Apply (official government site). Checked Oct 28, 2026.
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