Medicare & Health Insurance in Roanoke, VA

Planning coverage in Roanoke starts with the care you already use. Songer Insurance offers conversations by phone or video from our Beckley, West Virginia office, with a Virginia-licensed advisor. We can help you organize questions about Medicare, individual health coverage and employee benefits before you choose a plan.

Start with your Roanoke doctors and facilities

A hospital name alone does not establish that every clinician, location or insurance product participates in the same network. If you use Carilion Roanoke Memorial Hospital, bring the names of your primary care doctor, specialists and any planned outpatient facilities. Ask for verification against the exact plan and coverage year being considered. The hospital reference is a local planning example, not a statement of affiliation or guaranteed coverage.

A practical Medicare comparison

Write down your prescriptions, doses and preferred pharmacies, along with your current coverage and expected retirement date. Our Medicare guide explains the different coverage paths, while our Part D guide helps you prepare prescription questions. Review available options using your actual residential address through Medicare Plan Compare. A plan advertised elsewhere in Virginia may not match the choices available to your household.

Health insurance before Medicare

For individual coverage, Virginia’s Insurance Marketplace is the state’s official exchange. If you are leaving employment, self-employed or experiencing a family change, start by clarifying when your present coverage ends and what documentation you will need. Compare the full household budget, not just the monthly premium. Plan eligibility and financial help depend on the application and current rules.

Roanoke employers and consultations

Employers can start with a current employee census, renewal information and contribution goals. Our employee benefits guide outlines the decisions to review. Please arrange a secure way to share employee details rather than adding sensitive information to a general inquiry.

Meet Steven Songer, REBC®, Virginia producer license 1091406. Our physical office is in Beckley; we do not maintain a Roanoke office. Call 304-252-2158 for a free consultation or visit our Locations Served hub.

Medicare enrollment dates for Virginia residents

Virginia follows federal Medicare enrollment windows. Your initial enrollment period generally spans seven months around your 65th birthday. The annual October 15–December 7 period concerns Medicare health and drug plan changes; it is not the initial Part B enrollment window. Employer coverage or a move can change which enrollment opportunity applies. Confirm your circumstances using Medicare’s enrollment guidance and annual enrollment information.

Consult from Roanoke without the drive

Beckley is roughly 115–125 road miles from Roanoke, depending on your route and starting point. A phone or video appointment avoids that trip. If you prefer to visit, call first to confirm the office address and appointment; use current directions for your exact departure point. Before your consultation, identify whether each provider is in Roanoke City, Roanoke County or a nearby community, and provide your residential ZIP code so plan availability is checked for the correct service area.