Best Medicare Advantage Plans in West Virginia for 2020
For those who are hoping to avoid the extra costs of Original Medicare — such as copayments, coinsurance, and deductibles — the best Medicare Advantage plans in West Virginia (Medicare Part C) for 2020 are a great choice. If you’re someone who has recently enrolled in Medicare Part A and Medicare Part B recently or who will be eligible for Medicare soon, then you should consider learning more about Medicare Advantage plans in West Virginia. Although these policies have their pros and cons when compared to Medicare Supplement plans and other Medicare plans that are available, they truly are the best option for many Medicare beneficiaries.
Overview of the best Medicare Advantage Plans in West Virginia for 2020
Even though you can enjoy many benefits as a beneficiary of Original Medicare (Medicare Part A and Part B), you can also end up with a lot of out-of-pocket expenses if you rely on Original Medicare alone to help with your health care expenses.
Medicare Advantage health plans do offer things that Medigap policies don’t offer. After all, instead of being designed to just fill in the gaps that are left behind by Original Medicare coverage, these Medicare health policies actually serve as a replacement for Original Medicare (Medicare Part A and Part B).
If you would like to get more out of the Medicare program, it is worth it to look into Medicare Advantage plans for 2020. Our licensed insurance agents can provide you with a complete description of benefits for Medicare Part C plans in West Virginia, so you can give us a call today. In the meantime, you can check out this simple guide about Medicare Advantage plans so that you will have a better idea of what these policies cover and why it might be best to look into a Medicare Advantage plan instead of just sticking with Medicare Part A and Part B.
Best Medicare Advantage Plans in West Virginia: When Can You Enroll?
After you are enrolled in Medicare Part A and Medicare Part B, you can enroll in a 2020 Medicare Part C plan in West Virginia during these Medicare Advantage Enrollment Periods:
- Medicare Initial Coverage Election Period ICEP: When you become a beneficiary of Medicare Part A and Part B, you will be given the opportunity to sign up for Medicare Advantage.
- Medicare Annual Election Period AEP: From October 15 to December 7 of each year, you have the opportunity to sign up for, disenroll or change your Medicare Advantage policy.
- Medicare Advantage Disenrollment Period MADP: Now discontinued, this was once the period when you could disenroll from a Medicare Advantage plan and go back to Original Medicare (Medicare Part A and Part B).
- Medicare Advantage Open Enrollment Period MA OEP: Beginning in 2019, this period will run from January 1 to March 31st of each year. This is another period when you can change your MA policy.
- Medicare Special Election Periods SEP: In certain situations, you might find that you will need to shop for a policy outside of a standard Medicare Enrollment Period. If you were once dual-eligible for both Medicare and Medicaid but have lost your Medicaid coverage, an SEP will be triggered so you’ll have the opportunity to buy a policy. If you lose employer-sponsored coverage or move to another state, an SEP will be triggered as well.
Best Types of Medicare Advantage Plans in West Virginia in 2020
PPO Preferred Provider Organization Plans (PPO) in West Virginia
- There are provider network service areas
- You can see a doctor or hospital outside of your insurance company’s network
- If you stick to in-network doctors, hospitals and other healthcare providers, you’ll pay less
- No referrals are necessary
HMO Health Maintenance Organization Plans (HMO) in West Virginia
- Monthly premiums are often lowest with these Medicare Part C policies. Some even have $0 premium, although you’ll want to check to see if you still have to pay the Medicare Part B premium.
- Outside of emergency situations, you’ll have to see in-network providers
- You must have a primary care doctor (PCP) and must visit this doctor for referrals before you can see a specialist
Private Fee-for-Service PFFS in West Virginia
- These private plans determine how much the insurance company pays and how much you pay
- You do not have network restrictions
Special Needs Plans SNPs in West Virginia
- People with chronic health conditions or institutional conditions, such as end-stage renal disease ESRD, sign up for Special Needs Plans
- Medicare Part D prescription drug plans must be included in these policies
Medicare Savings Account MSA in West Virginia
- Includes a high-deductible Advantage plan
- Includes a savings account that you can draw from for out-of-pocket costs for medical care, such as at a doctor’s office or in a hospital, nursing home or skilled nursing facility
Enrollment Figures for West Virginia Medicare Advantage Plans
- The five largest counties in West Virginia are Kanawha, Berkeley, Monongalia, Cabell, and Wood.
- There were 443,870 Medicare beneficiaries in West Virginia in 2018.
- 117,257 of Medicare beneficiaries in West Virginia were enrolled in Medicare Advantage in 2018.
How Do Medicare Advantage Plans in West Virginia Cover Prescription Drugs?
If your Medicare Advantage plan is like many, it will include one of the Medicare Advantage prescription drug plans. This is one reason why many people enroll in a Medicare Advantage plan in West Virginia since they don’t have to sign up for a stand-alone Medicare prescription drug plan in order to have prescription drug coverage.
This is actually one of the main perks of a Medicare Advantage policy over Medicare Supplement insurance because Medicare Part C plans in West Virginia often have a Medicare Part D built into the rates that you pay. Just check the formulary and prescription drug tiers so that you’ll know what is and is not included in your policy.
Network Restrictions for Medicare Advantage Plan in West Virginia?
Before you sign up for a 2020 Medicare Advantage plan with an insurance agency with top star ratings — such as Humana — be aware of these things in regards to potential network restrictions:
- In-Network vs. Out-of-Network Within Coverage Area: HMO Medicare Advantage plans and PPO Medicare Advantage plans both cover out-of-network care in emergency situations. An HMO will not pay for out-of-network care in other situations, while a PPO will. If you use an out-of-network provider with a PPO, though, your out-of-pocket expenses will be higher
- Traveling With Plan: With both health maintenance organization HMO plans or preferred provider organization PPO plans, emergency care is covered throughout the United States when you’re traveling. With a PPO, you can take advantage of out-of-network help even outside of emergency situations, although your costs will be higher.
- Moving Across State Lines: Although there isn’t a change with Medicare Part A and Part B when you move from state to state, this is not the case with Med
Added Benefits of Medicare Advantage Plan in West Virginia
Consider looking for a Medicare Part C policy with some or all of these perks:
- Hearing care, routine vision, and dental care
- Wellness programs
- Silver Sneakers or other similar gym membership
- Recommendations for diet and nutrition
- Allowance for over-the-counter medication costs
- Healthy living seminars and classes
- Transportation to and from medical appointments
- Payment of some or all of the Medicare Part B premium
Here are a few changes for 2020:
- Starting in 2020, insurance companies that provide Medicare Advantage plans in West Virginia will be able to add some supplemental non-health related benefits to certain beneficiaries, such as providing help with making structural changes to the home when needed. This is designed to help those who might need help with widening doorways or installing ramps for their homes.
- The Centers for Medicare and Medicaid Services approved a 2.53% payment increase to Medicare insurers that offer Medicare Advantage plans in West Virginia.
Top Companies Selected by Members for “Best” Medicare Advantage Plans in West Virginia
There is no such thing as the Best Medicare Advantage Plan In West Virginia for 2020. However, based on enrollment numbers for each company, the below list seems to attract the most consumers. You may find a handful of top companies with Medicare Part C plans in your city or town. This quick comparison of companies may help you get started with your research:
- Humana: Humana has enrolled 70 percent of the Medicare Advantage plans in West Virginia.
- Blue Cross: The West Virginia BCBS company accounts for about five percent of the state’s enrollment.
- Coventry: Coventry offers PPOs that have earned high star ratings for quality in some West Virginia counties.
- The Health Plan: A smaller company called The Health Plan offers both HMOs and special needs HMOs that have earned good quality ratings.
- Other Notable companies to look for in your area are Cigna and Aetna
As you compare Medicare Advantage plans in West Virginia for 2020, you may notice that they have star ratings from Medicare. Medicare offers these as a fast way to judge the way a program has performed in the past. A 5-star rating is the best; however, there was no information published about any insurers in this state earning a 5-star rating. You might keep your eye on 2020 star ratings for the upcoming Open Enrollment to see if the scores change.
West Virginia Medicare Resources
If you’re trying to get enrolled in Medicare Part A and Part B or if you’re already enrolled and you’re looking for phone numbers or websites with more information, check out these sources:
- West Virginia SHIP (State Health Insurance Assistance Program)
- Information for Dual-Eligible (Medicaid) Medicare Recipients
- CMS: Centers for Medicare and Medicaid Services
Additionally, you can give us a call so that we can help you compare your options for Medicare Advantage Plans in West Virginia. When you call us, not only will we help you compare rates, but we will also help you find the best policy with the best coverage.