The Best Medicare Supplement (Medigap) Plans in West Virginia
- West Virginia Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in West Virginia, including what they might cover and when the best times are to enroll.
If you have Original Medicare (Medicare Parts A and B), you know that it doesn't cover 100% of your medical costs. You have to pay an annual deductible, Part B premiums, copays and coinsurance. For people living on Social Security or receiving small pension payments each month, these costs can add up quickly.
Medicare Supplement Insurance, also known as Medigap, can help pay for some of your Original Medicare deductibles, copays and other costs.
Medigap is designed to work specifically with Original Medicare. If you have a Medicare Advantage Plan — often referred to as Medicare Part C — you can't also have a Medigap plan at the same time.
Over 36% of Original Medicare enrollees in West Virginia are enrolled in a Medigap plan.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best West Virginia Medicare Supplement Plans?
Almost every state in the country uses the same guidelines for standardizing Medicare Supplement Insurance coverage, including West Virginia. Therefore, there are 10 standardized West Virginia Medigap plans, all of which are displayed in the chart below.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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Some benefits are included in all 10 plans. For example, no matter which Medigap plan you choose, you get 365 days of additional hospital coverage in addition to your standard Medicare Part A benefits.
Every plan also covers Medicare Part B copays; however, some plans cover a larger percentage of each copay than others. From there, plan benefits vary based on which plan you choose. Some plans cover your Medicare Part B deductible, but some don't. Other plans may also have additional limitations.
If you weren't eligible for Medicare before January 1, 2020, you can't enroll in Plan F.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in a West Virginia Medigap Plan?
The best time to sign up for West Virginia Medigap coverage is during your initial Medigap open enrollment period, which begins during the month you turn 65 and you're enrolled in Medicare Part B.
This is the best time to sign up because you'll have guaranteed issue rights, meaning insurance companies can't decline your application or charge you a higher premium because you have a chronic health condition. An insurer must charge you the same amount it would charge anyone else for the same Medigap policy.
If you don't sign up during your initial enrollment period, insurers can use a process known as underwriting to determine your risk level. Based on this process, you may be turned down for coverage or an insurance company may charge you a higher premium based on your health history unless you qualify for other guaranteed issue rights.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
