Medicare Supplement Plan G in West Virginia helps many seniors manage their medical expenses. These out of pocket costs range from copays for medical services to durable medical equipment coinsurance.
Medicare Supplement Plan G in West Virginia provides the most comprehensive coverage for those who enroll in the Federal Medicare Program on or after Jan. 1, 2020. Coverage for the Medicare Part A deductible and up to $50,000 in foreign travel emergency benefits are among the benefits included in Medicare G.
What is Medicare Supplement plan G in West Virginia?
Medicare Supplement insurance Plan G is a private insurance plan that covers out of pocket expenses left after Original Medicare pays its part of a claim.
Here’s a quick look at Medigap Plan G:
- It’s becoming the most popular Medicare Supplement plan among the 10 plan options available.
- Of the 10 standardized Medicare Supplement policies (A, B, C, D, F, G, K, L, M, N), Medicare Plan G has the highest benefit level for those receiving Medicare benefits starting Jan. 1, 2020.
- Other than the Medicare Part B deductible, it fills the coverage gap left from Medicare Part A and Part B.
West Virginia is home to more than 1.8 million people:
- Number enrolled in Medicare: 442,837 (25%)
- Number enrolled in Original Medicare: 62%
- Number who have a Medicare Advantage Plan: 38%
- Number enrolled in Medigap: 91,448
- Number who have Medigap Plan G: 19,617
What Does Medicare Supplement Plan G Cover?
Original Medicare pays for a lot when it comes to your healthcare. On top of the Medicare-approved amounts that are covered by the Federal Medicare program in the United States, you can enjoy having these additional Medicare benefits covered if you sign up for Medicare Supplement Plan G in West Virginia.
Plan G will cover:
· Initial pints of blood
· Medicare Part A deductible
· Medicare Part A hospital costs
· Part A expenses
· Part A hospice care coinsurance
· Skilled nursing facility care
Benefits also pay these Medicare Part B costs:
· Charges over the amount Medicare allows – “Part B Excess Charges”
· Durable medical equipment
· Foreign travel emergency care (lifetime plan limits apply)
· Medicare Part B coinsurance and copays
Be advised that the Part B deductible will not be covered by Medigap Plan G in West Virginia.
What is the Plan G Deductible in 2021?
Medicare Plan G does not have a deductible. You are responsible for the Part B deductible. For 2021, the Part B deductible is $203.
What is the Monthly Premium for Medicare Supplement Plan G in West Virginia?
Medicare Supplement plan quotes differ based upon personal demographics and how insurance companies treat age when calculating monthly premiums:
- Community-Rated: Age isn’t a factor.
- Issue Age: Premiums are based on your age when you buy the Medicare Plan G policy.
- Attained Age: Premiums are based on your actual age.
Under the attained-age method, your Medicare Plan G rates will increase each year as you age. Most West Virginia insurers use attained-age pricing method. Here’s a sample of what a 65-year-old nonsmoking female might pay for Medicare Plan G:
- Bluefield 24701 $103.91-$189.73 $134.49 7 carriers
- Huntington 23284 $109-$149.77 $122.93 5 carriers
- Morgantown 26505 $103.91-$179.94 $133.10 7 carriers
Our insurance agency can quickly provide Medicare Supplement Plan G rates customized to your age and location.
When can I enroll in Medicare Supplement Plan G?
You can enroll in Medicare Supplement insurance Plan G at any time, but the best time is during your six-month Open Enrollment Period:
- Must be at least age 65
- Starts the day your Medicare Part B becomes effective
- Guaranteed issue rights apply
Guaranteed issue means:
- No underwriting required
- Insurance company must accept your application
- Insurer can’t charge you more because of health history
Unlike a Medicare Advantage Plan or Part D drug plan, Medigap Plan G does not have an annual enrollment period. In general, if you apply outside of your Open Enrollment Period, Medicare Supplement insurance companies can require you to answer health questions. They can even reject your application. There are, however, a few other situations where guaranteed issue applies:
- If your group health insurance ends.
- The insurer discontinues your Medicare Advantage Plan.
- You move out of the service area.
- You receive Medicare benefits due to disability and you turn 65.
Our insurance agents can provide more information on these and other scenarios that trigger guaranteed issue rights.
What Is the Difference Between Plan G and Plan G With a High Deductible?
With High deductible Plan G, you must pay a yearly deductible before coverage starts. Otherwise, the benefits for the two plans are identical.
What is the Best Medicare Supplement Plan G in West Virginia?
Plan options vary between the 10 Medicare Supplement plans in West Virginia, but the benefits for each plan letter are standardized. That means that Medicare Supplement Plan G is the same regardless of which insurance company you buy the policy from.
Medicare Plan G rates, however, are different between insurance carriers. When shopping insurers, keep these points in mind:
- Choose a company that has long-term stability.
- Choose a company that offers outstanding customer service.
- Choose a company that has enough assets to pay your claim.
Our Company Recommendations
We can offer Medigap policies from virtually any company. Based on service, experience, and ratings from A.M. Best, we prefer the following insurers:
- Mutual of Omaha (A+)
- Cigna (A)
- Aetna (A)
Which is better, Plan F or Plan G?
How are Plan F and Plan G Different?
- Plan F pays the Part B deductible. Medicare Supplement insurance Plan G in West Virginia does not.
- Plan F is not available to beneficiaries who turned 65 on or after Jan. 1, 2020.
Is Plan G Cheaper than Plan F in West Virginia?
Yes. For comparison, here’s what the monthly premiums look like for a 65-year-old nonsmoking female in zip code 24701 (Bluefield):
- Plan F: Average $189.70 $129.12-$251.23
- Plan G: Average $134.49 $103.91-$189.73
Which should I choose?
For those who can choose either plan (those eligible for Medicare before Jan. 1, 2020), the choice comes down to cost:
- Except for the Medicare Part B deductible, Medicare Supplement insurance Plan G has the same benefits as Plan F.
- Plan G is cheaper, even though Medicare beneficiaries have to pay the $203 (2021) deductible amount.
For seniors whose Medicare eligibility starts after Jan. 1, 2020, Plan G offers the highest level of health insurance coverage among the 10 Medicare Supplement insurance plans.
What is the Most Popular Medicare Supplement Plan in West Virginia for 2021?
Medigap Plan G is by far the most popular plan being purchased by West Virginians who are new to Medicare. Here’s why Medicare Supplement insurance Plan G in West Virginia is so attractive:
- Most extensive coverage available to a Medicare beneficiary who starts receiving Medicare benefits after Jan. 1, 2020
- Great value when you compare benefits vs the cost of the plan
- No network limitation: access to any doctor in the country who accepts Medicare. Medicare Plan G also pays the Part B Excess Charges if the doctor does not accept Medicare assignment.
- Medicare Plan G coverage fills in all of the gaps to Original Medicare other than the Part B deductible.
- Guaranteed renewable as long as you pay your Medicare Part B premium and Medigap Plan G premiums.
Frequently Asked Questions about Medigap Plan G
Full Medicare Supplement Plan G Benefits Chart
Does Plan G cover prescription drugs?
Medicare Supplement insurance Plan G in West Virginia does not cover prescription drugs. For prescription drug coverage, you’ll need to buy a separate Medicare Part D plan.
Does Plan G cover the Medicare Part B Deductible?
No. Under federal law, no Medicare Supplement plan covers the Part B deductible after Jan. 1, 2020.
Does Plan G cover Medicare Part B Excess Charges?
Yes, Medicare Supplement insurance Plan G in West Virginia covers Medicare Part B excess charges.
Does Plan G cover the Medicare Part A Deductible?
Medicare Supplement Plan G covers the Part A deductible.
Is Plan G worth it?
Medicare Supplement insurance Plan G in West Virginia is a great value when you weigh cost vs coverage.
What is the difference between Plan G and N in West Virginia?
Medicare Supplement Plan G in West Virginia differs from Plan N in two ways:
- Medicare Part B coinsurance: Plan G pays 100%.
- Plan N requires copayments for office and ER visits before coinsurance kicks in.
- Excess charges: Plan G covers excess charges. Plan N does not.
Does Plan G cover dental?
Routine dental services are not covered under Medigap Plan G.
What is Medicare Part G?
Medicare “Part G” does not exist, it is commonly confused with Medicare Plan G, which is additional health insurance that pays 20% of Medicare’s approved amount. Coverage includes Medicare Part A coinsurance and foreign travel up to plan limits.
Does Plan G cover Silver Sneakers?
For 2021, one West Virginia insurer offers Silver Sneakers in its Plan G benefits.
Ready to Learn More?
My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.