Best Medicare Plans In West Virginia
Medicare in West Virginia is the same as it is in every state. If you have been eligible for Social Security Disability for at least 24 months or if you are at least 65 years of age, then you are probably eligible to sign up for Medicare in West Virginia. Learning more about this program and the West Virginia Medicare benefits can help you make the most of your Original Medicare insurance.
Overview of Medicare in West Virginia
First, you’ll need to get enrolled in Original Medicare Part A and Part B. Medicare Part A will be your hospital insurance, and Medicare Part B will be your medical insurance. You probably will not have to pay a premium to become a beneficiary of Medicare Part A, but there is a Medicare Part B premium that has to be paid.
Once you are signed up for your West Virginia Medicare benefits, you can start looking into Medicare plans in West Virginia. These plans will help you reduce out-of-pocket expenses that aren’t usually covered by your West Virginia Medicare insurance.
Enrollment Statistics for Medicare in West Virginia
Learning more about Medicare in West Virginia and the choices that other beneficiaries in your state have made can be helpful. These are a few stats about Medicare in West Virginia that you might find interesting:
- As of 2018, there were 443,870 total beneficiaries in West Virginia.
- Of those West Virginia beneficiaries, 117,257 chose Medicare Advantage as an alternative to Original Medicare insurance.
- Many Medicare beneficiaries in West Virginia who don’t opt for Advantage plans choose Supplemental Medicare plans in West Virginia. These plans help with coinsurance, copayments (copays) and deductibles. Many of these same West Virginia beneficiaries also sign up for Medicare Part D prescription drug plans.
Best Types of Medicare Plans in West Virginia
To make the best of your benefits, you may want to sign up for an additional West Virginia Medicare insurance plan. Different plans have different benefits and coverage, so you’ll want to explore all of your options during your Medicare Initial Enrollment Period:
- Medicare Supplement Plans in West Virginia – Commonly called Medigap plans, these plans are lettered plans that supplement and enhance your Original Medicare insurance. You can choose from 10 Medicare Supplement insurance plans with different amounts of coverage and different monthly premiums, depending on if you want minimal coverage, robust coverage or something in-between. Make sure you read a complete description of benefits before choosing a plan. Also, be aware that Medicare Part D plans are not included in Supplemental policies, even if you buy your plan from a top company like Aetna, Cigna, or Mutual of Omaha.
- Medicare Advantage Plans – Medicare Part C is another name for this alternative to Original Medicare coverage. Choose your insurance company carefully, since some offer extra benefits. For example, your dental, vision and hearing needs might be covered, and you might be offered extra wellness benefits. Medicare Part D is sometimes included. Service area restrictions for healthcare providers are common, since many of these health plans are HMO or PPO plans.
- Medicare Prescription Drug Plans – Part D – If you want to avoid the Medicare Part D late enrollment penalty and if you want help with paying for prescription medication, you’ll need one of these stand-alone prescription drug coverage plans.
- Special Needs Plans – An SNP is a special type of health insurance for people with end-stage renal disease and other serious, chronic health conditions. If you aren’t sure if these are the best plan options for you, talk to someone from an insurance agency that you trust, or call and talk to one of our licensed insurance agents.
West Virginia Medicare Resources
You might be wondering if there are assistance programs out there that can help you save on out-of-pocket costs, particularly if you are a low-income individual. There are options, like State Health Insurance Assistance Programs, for West Virginia residents who need help. These state and American government resources can help you learn more about Medicare in West Virginia and any extra help that might be available for you.
- West Virginia SHIP
- Apply for West Virginia Medicaid
- CMS: Centers for Medicare and Medicaid Services
You may also find that the pages on our website are a very helpful resource, too. We have a Medicare Supplement plans comparison chart right here on our site that you can use to compare plans. We also make it easy to compare rates for Medicare Supplement plan quotes right here on our site.
If you still need help with Medicare in West Virginia after checking out our site, you can give us a call. We have licensed insurance agents right here who will be happy to chat with you about your options for Medicare plans in West Virginia. We can help you compare plans and compare rates to get the best deal.