Call SelectQuote
Work with one of our licensed insurance agents to get answers to your Medicare questions, unbiased comparisons of coverage and resources to simplify the entire process. Call 1-833-574-3011 (TTY: 1-877-486-2048) to get started.
Get more from a Medicare Advantage plan.
An alternative to Original Medicare, Medicare Advantage plans can be beneficial to many. Let SelectQuote help you figure out if a Medicare Advantage plan would be a good fit for you. It’s free and there’s no obligation to enroll.
Medicare Advantage Plans in West Virginia for 2026
West Virginia offers diverse Medicare Advantage options, with an average monthly premium of $14.14 in 2026. These all-in-one plans offer the same coverage as Original Medicare and may also include prescription drug (Part D) coverage.
West Virginia Medicare Facts
Total Medicare Enrollment: There are currently 454,033 individuals enrolled in a Medicare plan in West Virginia for the 2026 plan year.
Declining Average Premiums: The average monthly Medicare Advantage premium in West Virginia has decreased to $14.14 for 2026, down from $17.50 in 2025.
Increased Plan Options: Residents have more choices this year, with 69 Medicare Advantage plans available in 2026, an increase from the 59 plans offered in 2025.
What is a Medicare Advantage plan in West Virginia?
If your current healthcare coverage leaves you facing high out-of-pocket costs, limited prescription drug coverage, or a lack of routine wellness benefits, you have options. Medicare Advantage plans (also known as Medicare Part C) serve as an alternative to Original Medicare (Parts A and B). Offered by private, government-approved insurance companies, these plans provide the same coverage as Parts A and B and often include additional benefits such as routine dental, vision, and hearing coverage. Some plans may also include prescription drug coverage (known as Medicare Advantage Prescription Drug, or MAPD, plans).
When exploring your options in West Virginia, understanding carrier networks can help you find the right fit:
HMO Plans: These plans typically require members to use a network of local doctors and hospitals for most covered services. HMO plans often have lower out-of-pocket costs and may require referrals to see specialists.
PPO and HMO-POS Plans: These plans generally offer more flexibility to see out-of-network providers without referrals, though out-of-network care may cost more. HMO-POS plans combine features of both HMO and PPO structures, giving members some access to out-of-network services depending on the plan.
It’s also important to know all of your resources for support and coverage, and the West Virginia Bureau of Senior Services includes more information exclusive to state residents about Medicare enrollment and more.
Popular Medicare Advantage Carriers Available in West Virginia
Carrier | Plan Types Available in WV | ||
Humana | 3.0-4.5 Stars | HMO, PPO, HMO-POS | $0-$21 |
Aetna | 3.5 Stars | HMO, PPO | $0 |
The Health Plan | 3.5 Stars | HMO | $0 |
Peak Health | 3.5 Stars | PPO | $8 -$16 |
UnitedHealthcare | 3.0-4.5 Stars | PPO, D-SNP | $0-$19 |
Plan Availability by Top West Virginia Counties
Medicare Advantage plan availability, premiums, and provider networks differ drastically by county. Here is how coverage breaks down across three of West Virginia’s key regions:
Kanawha County: Holding the state's highest population of beneficiaries, residents here benefit from a highly competitive market with a robust selection of HMO and PPO plans.
Berkeley County: This region sees expanding carrier networks and increasingly competitive plan benefits to keep pace with population growth.
Monongalia County: Driven by a significant age-in population, carriers in this county focus heavily on comprehensive plans with strong regional healthcare provider networks for newly eligible enrollees.
Disclaimer: Medicare Advantage plan availability, premiums, and provider networks in West Virginia vary by county and ZIP code. County-level descriptions are based on general Medicare market trends, population distribution, and typical rural vs. urban plan availability patterns. Actual plan options and benefits are determined by each insurance carrier and may change annually.
2026-2027 West Virginia Medicare Enrollment Periods
Understanding Medicare enrollment timelines can help West Virginia beneficiaries avoid coverage gaps and make changes when needed.
Annual Enrollment Period (AEP): October 15 to December 7. During the Annual Enrollment Period, Medicare beneficiaries can enroll in a Medicare Advantage plan, switch plans, or return to Original Medicare. Coverage changes take effect January 1 of the following year.
Medicare Advantage Open Enrollment Period (OEP): January 1 to March 31. If you’re already enrolled in a Medicare Advantage plan, you can switch to another Medicare Advantage plan or return to Original Medicare during OEP. Only one plan change is allowed during this period.
Special Enrollment Periods (SEPs): Qualifying Life Events. Certain situations may allow West Virginia residents to make Medicare changes outside standard enrollment windows. Common SEP triggers include:
Moving to a new county where your current plan is not available
Losing employer or union health coverage
Becoming eligible for Medicaid or Extra Help
Qualifying for a Dual-Eligible Special Needs Plan (D-SNP)
Moving into or out of a skilled nursing facility or long-term care facility
Enrollment rules and eligibility requirements can vary depending on the qualifying event and plan availability in your county.
Frequently Asked Questions
What is the most popular Medicare Advantage plan in WV?
There is no single “most popular” Medicare Advantage plan in West Virginia because the right plan depends on a person’s healthcare needs, prescription drug coverage, preferred doctors, and county of residence. West Virginia beneficiaries enroll in plans offered by recognized carriers such as Humana, The Health Plan, and UnitedHealthcare. Plan availability, provider networks, costs, and extra benefits can vary significantly by ZIP code, so comparing local options is important when choosing coverage.
How much does Medicare Advantage cost in WV?
While the average is around $14.14, low to $0 monthly premium plans may be available.
Can I get a D-SNP in West Virginia?
Yes, carriers like UnitedHealthcare (UHC) offer Dual Complete plans for those with both Medicare and Medicaid eligibility.
Compare Medicare Supplement Plans in West Virginia
While Medicare Advantage plans offer an alternative to Original Medicare, they may not be the right fit for everyone. If you prefer the freedom to see any doctor who accepts Medicare nationwide without network restrictions, combining Original Medicare with a Medicare Supplement Insurance plan (Medigap) might be a better option. You can research and compare these policy options by viewing .
As you evaluate your choices, remember that you cannot be enrolled in a Medicare Supplement plan and a Medicare Advantage plan at the same time. You must choose one or the other.
Why choose SelectQuote for a West Virginia Medicare plan?
Navigating the complex landscape of Medicare Advantage plans throughout West Virginia doesn't have to be overwhelming. For over 40 years, we’ve been helping beneficiaries find coverage that matches their unique healthcare needs and budgets. Our experienced licensed insurance agents can shop and compare plans from some of the nation's most recognized carriers in just a few minutes, saving you time and giving you confidence in your choice.
Our commitment to transparent, unbiased plan comparisons is reflected in our positive localized reviews and strong industry standings:
Trustpilot Rating: We maintain a highly rated, excellent standing on Trustpilot based on thousands of verified consumer reviews praising our smooth, informative enrollment process.
BBB Rating: SelectQuote holds an A+ accredited rating from the Better Business Bureau, reflecting our long-term commitment to trustworthiness, consumer transparency, and prompt issue resolution.
We do the shopping. You do the saving.
No obligation to enroll
SelectQuote Senior Insurance Services is a division of SelectQuote Insurance Services. © 2026 SelectQuote Senior Insurance Services. All rights reserved.
Please see the Disclosures Page for more information.
MULTI-PLAN_SQSRW2026_M
Looking for an affordable Medicare plan? Let us help.
We’ll call you.
If you’re pressed for time, complete this form and a member of our team will call you at your selected time.