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Medicare Supplement Insurance Plans in West Virginia
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What Are the Medicare Supplement Insurance Plans in West Virginia?
Medicare recipients in West Virginia know that there may be gaps left in coverage by Medicare Parts A and B, such as copayments, coinsurance and deductibles. Luckily, Medicare Supplement Insurance Plans can help cover some of these out-of-pocket costs. Also called Medigap, Medicare Supplement Insurance plans are offered by private insurance companies throughout West Virginia.
In 2023, residents of West Virginia have many Medigap or Medicare Supplement plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.
As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.West Virginia residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.
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Most Popular Medicare Supplement Plans in West Virginia
Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including West Virginia. The statistics below outline the most popular Medigap plans selected by West Virginia residents. Insurance companies that sell Medigap plans in West Virginia offer the same basic benefits. However, there may be different plan prices depending on where you live and the insurance carrier. In addition, each insurer in West Virginia may not offer each of the Medigap plans.As reported by America’s Health Insurance Plans (AHIP), 87,767 West Virginia beneficiaries had Medigap coverage in 2021.Below is the breakdown of the number of West Virginia enrollees by Medigap plan type.
| Plan | A | B | C | D | E | F | G | H | I | J | K | L | M | N |
| Enrollment # | 771 | 520 | 2,435 | 682 | 94 | 40,083 | 31,453 | 91 | 496 | 1,981 | 334 | 229 | 0 | 8,358 |
While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your West Virginia Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan.To learn more about your Medicare Supplement Insurance plan options in West Virginia, you can work with a SelectQuote licensed insurance agent. Our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you might have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Insurance plans in West Virginia.
West Virginia residents cannot have a Medicare Supplement (Medigap) plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage plan.
When is the West Virginia Medicare Supplement Plan Enrollment Period?
Initial enrollment timeframes are very important. Enrollment for West Virginia Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.
West Virginia residents have six months to buy a Medigap Supplement plan. West Virginia residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. It’s a smart idea to get a jump on enrollment. You can enroll as early as 64 and 6 months of age. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.
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Is a West Virginia Medicare Supplement Plan Right for You?
Throughout West Virginia, you’ve got options when it comes to choosing a Medicare Supplement Insurance plan. SelectQuote, an independent third-party company that specializes in helping consumers understand the ins and outs of Medicare, can help ensure you’re getting all the benefits available to you. In addition, we can help you stay up-to-date with annual plan changes. SelectQuote is here to help you find the right West Virginia Medicare Supplement Insurance plan to meet your needs and budget.
To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.
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