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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 that is left behind is known as “the gap.” Medigap policies are called “Medicare Supplement policies” because these plans cover some of the costs that are not paid by Medicare. 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.

How Much do Medicare Supplement Plans in West Virginia Cost?

Sample Medicare beneficiary:

  • Female
  • Nonsmoker
  • 65 years old
  • Resides in McDowell County, zip code 24844
65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$103.91 - $189.73
Plan N$82.63 - $164.96

What are the Best Medicare Supplement Plans 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.

1. Best for full coverage: Medicare Plan F

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 if you haven’t enrolled yet.

2. Best in coverage and popularity: Medicare 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

3. Best value: Medicare Plan N

Plan N gives you almost the same benefits as G at less cost. The lower monthly premium is in exchange for exclusion of 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

What Companies Sell Medigap Plans in West Virginia?

Listed 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):

  • American Continental Insurance Company (an Aetna company): A+
  • Cigna
  • Mutual of Omaha

Related Topics

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.

West Virginia Medicare Resources

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
  • Monangalia 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 is eligible to purchase Medicare Supplement insurance plans in West Virginia.

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