Best Medicare Supplement Plans in West Virginia – F, G & N Benefits
The best 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.
Best Medicare Supplement Plans in West Virginia
You can purchase from a choice of up to 10 Medigap plans in West Virginia from a private Medicare insurance company. This will work in the same manner as other insurance plans you have had in the past. For example, the insurance company that eventually sells you a Medigap policy will undertake the underwriting process to determine if you are eligible for the best Medicare Supplement plan in West Virginia.
You may remember that your previous insurance agent used underwriting to set your premiums, deductibles, coinsurance, and copayments. It will work in the same way when you apply for Medicare Supplement insurance plans today.
You must be aware of the fact that couples cannot purchase Medigap plans in West Virginia together. That’s because a Medigap policy can only list one person as a beneficiary. You and your spouse may wish to be able to obtain the same benefits from Medicare Supplement insurance plans, and you will be able to do this, but you and your spouse must apply for separate plans. This gives you the opportunity to tailor your Medigap plans in West Virginia toward each person’s individual needs.
You can find the best Medicare Supplement plan in West Virginia when you compare the rates that several insurance companies agree to charge you. Make sure that you compare the same Medigap plans in West Virginia so that the rates that you receive from each company will be for the same type of coverage. After you receive several rates, it will be advantageous to choose the companies that have given you the lowest rates.
The plan that you eventually choose will not necessarily be the one with the lowest rates. You will need to ensure that the plan has all of the benefits that you desire. The one that does will be the best Medicare Supplement plan in West Virginia for you.
Your Original Medicare insurance in West Virginia does not cover every possible medical expense, but you may be able to find the best coverage in West Virginia for you that will cover these extra expenses. For example, several Medigap policies will pay medical expenses that are incurred while you are outside of the country.
Benefits of Medicare Supplement Plan F in West Virginia:
Medicare Supplemental plan F in West Virginia is the plan with the highest monthly premium, but it also offers the highest amount of coverage, including:
- Part A hospital coinsurance
- Hospital costs up to 365 days after benefits through Original Medicare are exhausted
- Part A hospice care copays or coinsurance
- Part A deductible
- Part B deductible
- Part B preventive office visit coinsurance
- Part B coinsurance or copays
- Excess charges for Medicare Part B
- First three pints of blood needed for a medical procedure
- Coinsurance for care in a skilled nursing facility
- Limited foreign travel emergency care
Benefits of Medicare Supplement Plan G in West Virginia:
For a plan that is similar in benefits to Plan F but that won’t cost you as much each month, try looking into Medigap Plan G in West Virginia:
- Does NOT cover Medicare Part B deductible
Benefits of Medicare Supplement Plan N in West Virginia:
If you want a plan that has more comprehensive benefits than Plan A but that isn’t as expensive as Plan G or Plan F, you might find that Medicare Supplement plan N in West Virginia is an excellent compromise:
- Does NOT cover Part B Deductible
- Does NOT cover Excess Charges for Part B
- Requires $20 copay for office visits
- Requires $50 copay for emergency room visits
Medicare Supplement Plans in West Virginia: When Can I Enroll?
The Medigap Open Enrollment Period starts the month that you turn 65 and enroll in your Original Medicare insurance. This initial enrollment period is the best time to enroll, but it is not the only time that you can enroll in Medigap plans in West Virginia. However, it is the only time that you will be guaranteed a Medigap policy in West Virginia. After the initial enrollment period is over, the Medicare insurance company can deny you a policy if you do not meet the medical underwriting requirements.
If the Open Enrollment Period passes, you may still be able to purchase Medigap plans in West Virginia. If you fit into any of the following categories, you may be entitled to purchase Medicare Supplement plans outside of the enrollment period:
- You are experiencing health problems right now.
- You have been diagnosed with a pre-existing condition.
- You have a guaranteed issue right.
- You have another insurance policy.
Remember that Medigap plans and Medicare Advantage are not the same things. Medicare Advantage plans are another way for you to obtain your Original Medicare benefits, and Medigap policies were created to supplement those benefits. If you have Medicare Advantage, it will be illegal for an insurance agent to sell you a Medigap policy, so make sure that you switch from Medicare Advantage to Original Medicare before you search for your new Medigap plan.
If you do decide to buy a West Virginia Medicare Supplement as your health insurance option, you’ll need to sign up for one of the Medicare Part D prescription drug plans in addition to your Supplement. West Virginia Medicare Supplement plans don’t include prescription drug coverage, but you can sign up for Medicare Part D separately so that you can enjoy these savings on out of pocket costs for medication.
Best Medicare Supplement Plans in 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.
West Virginia Resources
The best Medicare Supplement insurance plan in West Virginia is out there, but you may need help finding it. Click on the following links for more information about Medicare and your plan options.
CMS: Centers for Medicare and Medicaid Services
The links above can provide a lot of valuable information, but they won’t help you choose a private insurance company like Cigna, Aetna, and Mutual of Omaha. You might still have questions about the Medicare plans that are available and how you can make the most of the benefits from the federal Medicare program.
We talk to West Virginia seniors like you all the time and help them with finding Medicare Supplemental insurance in WV, Medicare Advantage plans, and even life insurance. We’ll help you manage your health care costs and sign up for a great Supplemental or stand-alone plan through an insurance agency that you can trust, so give us a call today.
Related Topics for Comparing Medicare Supplement Companies and Plans in WV
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.