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Best Medicare Supplement Plans in West Virginia 2021

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.

What Are the Top 5 Medicare Supplement Plans in West Virginia?

The following Medicare Supplement insurance plans are listed as the top five 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 comprehensive coverage: 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

4. Best deductible plan: High-Deductible Plan F

If you are eligible for Plan F but want to keep your cost at minimum, you may be interested in the high-deductible version.

Compared to the original Plan F:

  • Premiums are lower.
  • Benefits are the same.
  • Deductibles are required before the plan pays benefits.

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

5. Best for lowest premiums: High-Deductible Plan G

High-Deductible Plan G presents the same scenario as the High-Deductible Plan F, i.e., you receive the same benefits as Plan G but pay a reduced premium because of the deductible requirement.

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

What is the Best Supplemental Insurance to go with Medicare?

Choosing insurance is a personal decision based on:

  • Eligibility and location
  • Current and projected health care needs
  • Budget parameters

1. What Is the Most Popular Medicare Supplement Plan in West Virginia for 2021?

Due to its across-the-board benefits, Plan F has been the most popular plan. Since this plan is restricted to Medicare beneficiaries newly eligible before 2020, Plan G is now gaining in popularity. In terms of benefits, the only difference between the two is that Plan G does not cover the Part B deductible.

2. Which Plan Has the Best Benefits in West Virginia?

Plan F and G have the best coverage in terms of offering the most benefits at an affordable price.

3. How Do I Choose the Best Plan?

Our Policy Guides can present side-by-side plan options to make it easier for you to choose.

4. Which Medigap Company Offers the Best Rates in West Virginia?

Pricing varies not only by company but also by location. Licensed insurance agents are able to provide quotes specific to your local area.

What is the Average Cost for a Medicare Supplement Plan in West Virginia for 2021?

Sample Medicare beneficiary:

  • Female
  • Nonsmoker
  • 65 years old
  • Resides in McDowell County, zip code 24844
Plan Premium Range Average Premium
K $56.12 – $110.63 $85.28
N $82.63 – $164.96 $120.14
G $103.91 – $189.73 $133.38

Common West Virginia Medicare Supplement Plan Questions

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

When Can I Apply for a West Virginia Medicare Supplement Plan?

Neither plan is better than the other. It’s more a question of what matters most to you.

  • Plan G covers Part B copayments and excess charges.
  • Plan N does not cover these benefits but saves you money on premiums.

What is Medicare Supplement Insurance?

Medicare Supplement plans in West Virginia offer health care coverage designed to help Medicare beneficiaries pay out-of-pocket costs and some medical expenses where Original Medicare leaves a gap. Hence, this is also known as Medigap insurance.

When you are 65 years old and have paid enough Medicare taxes through working, you become eligible for Original Medicare, at which point:

  • If you are receiving Social Security (SS) or Railroad Retirement Board (RRB) benefits, Medicare coverage is automatic.
  • If you are not receiving SS or RRB benefits, you have to enroll in Medicare coverage no later than three months after your 65th birthday.

Medicare beneficiaries are covered for the following basic benefits within plan limits:

  • Inpatient care
  • Office visits
  • Outpatient care
  • Durable medical equipment
  • Mental health care

Some Medicare benefits are paid only after you have satisfied an annual deductible. You are also responsible for:

  • Coinsurance
  • Copayments
  • Medical expenses that Original Medicare does not cover

Beneficiaries striving to keep their costs down may turn to Medicare Supplement insurance plans, which cover at least:

  • Part A coinsurance
  • Part B coinsurance
  • First three pints of blood if not available for free from a blood bank
  • Hospice copayment or coinsurance

Most Medicare Supplement insurance plans in West Virginia also cover the Part A deductible, and select plans cover the Part B deductible.

Medicare Supplement insurance plans in West Virginia do not cover prescription drug coverage. For that, you would buy a Medicare Part D Plan from a Medicare insurance company.

Is Plan G the Best Medigap Plan in West Virginia

How Much Does it Cost?

Your cost is based on:

  • Age
  • Gender
  • Tobacco use
  • Residence location

So, if you are a 65-year-old woman who does not have a smoking habit, your estimated Plan G premium in West Virginia is $132 per month.

What is the Plan G Deductible in 2021?

Plan G does not have a deductible. However, be prepared to pay deductibles that Plan G does not cover:

  • Part B deductible: $203 in 2021
  • Part D deductible if you signed up for a prescription drug plan

What does Medigap Plan G Cover in West Virginia?

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.

Key Take Aways
  • There are 10 Medicare Supplement Plans in West Virginia to choose from.
  • In West Virginia, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted
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