Medicare Supplement Plans in West Virginia

Medicare Supplement plans in West Virginia close the gap that your Original Medicare insurance leaves behind. You may have just discovered that Medicare Part B does not cover all of your expenses, and the amount left behind is known as “the gap.” Medigap policies are called “Medicare Supplement policies” because these plans cover some of the costs that Medicare does not pay. You are entitled to purchase one of these Medicare Supplement insurance plans in West Virginia if you are enrolled in Medicare Part A and Medicare Part B.

Medicare Supplement Plan options in West Virginia

The following Medicare Supplement insurance plans are listed as the top three from a cost/benefit perspective. As you compare plan options, look for the one that offers the most value in terms of the provisions you need and the premiums you can afford.

Medicare Supplement Insurance Plan F

Medicare Supplement Plan F covers the entire spectrum of Medigap benefits, including the Medicare Part B deductible. But availability is limited.

Effective January 1, 2020, private insurance companies are prohibited from selling Medigap policies with the Part B deductible to newly eligible Medicare beneficiaries. As a result, this plan is only available if your Medicare eligibility effective date was prior to January 1, 2020, and you haven’t enrolled yet.

Medicare Supplement Insurance Plan G

Medigap Plan G helps cover the the following:

  • Coinsurance under Medicare Part A
  • Coinsurance and copayments under Medicare Part B
  • First three pints of blood
  • Part A hospice copayments and coinsurance
  • Coinsurance for skilled care nursing facilities
  • Medicare Part A deductible
  • Part B excess charges
  • Limited foreign travel emergency

Medicare Supplement Insurance Plan N

Medigap Plan N gives you almost the same benefits as G at less cost. However, the lower monthly premium is in exchange for excluding two benefits: Part B copayments and excess charges.

You are responsible for copayments of:

  • Up to $20 copayments for office visits
  • Up to $50 for each emergency room visit where you are not admitted

Top Medicare Supplement Insurance Companies in West Virginia

Below are a few of the many highly rated private health insurance companies that sell Medicare Supplement plans in West Virginia. Alongside each insurer’s name are ratings for you to compare. These ratings reflect reputation and customer experience based on data collected by the Better Business Bureau (BBB):

Medicare Supplement Insurance Cost in West Virginia

Sample Medicare beneficiary:

  • Female
  • Nonsmoker
  • 65 years old
  • Resides in McDowell County, zip code 24844
Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

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 plan selection process. We work closely with some of the nation’s 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 about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

West Virginia Medicare Resources

Contact Medicare

www.medicare.gov

CMS: Centers for Medicare and Medicaid Services

West Virginia Enrollment Statistics

The top five largest counties in West Virginia are as follows:

  • Kanawha County, with 193,063 residents
  • Cabell County, with 96,319 residents
  • Monongalia County, with 96,189 residents
  • Wood County, with 86,956 residents
  • Raleigh County, with 76,859 residents

Of the counties listed above, 27.7 percent were Medicare beneficiaries in West Virginia in 2017. More than 297,000 of the population described above are eligible to purchase Medicare Supplement insurance plans in West Virginia.