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Best Medicare Supplement Plans in West Virginia 2020 – Comparison Chart

If you’ve recently enrolled in Medicare Part A and Part B, you’re probably wondering about the best Medicare Supplement plans in West Virginia for 2020. Your Original Medicare coverage comes with a variety of out-of-pocket expenses, including deductibles, copayments and coinsurance payments. Depending on which doctors you see and how often you travel, Medicare Part B excess charges and overseas medical expenses may impact your budget as well.

Medicare Supplement plans are often referred to as Medigap policies because they cover those Medicare “gaps.” This page contains everything that you need to know about Medicare Supplement plans in West Virginia including our Medicare Supplement plans comparison chart. Our goal is to answer your questions in one convenient place.

Rate Calculation for Medicare Supplement Plans in West Virginia for 2020?

When you compare rates for the best Medicare Supplement plans in West Virginia for 2020, the difference in premiums comes down to a variety of personal factors, including:

  • Age
  • Gender
  • Location (zip code, county)
  • Smoking habits

The weight that your age carries at the time that you enroll in a Medicare Supplement plan in West Virginia depends on the method of calculation used by your chosen insurance company. There are three options from which every company — such as UnitedHealthcare and Blue Cross Blue Shield — much choose:

  • Attained-Age Rating

    This is the most common type of rating for Medicare Supplement plans in West Virginia and most other states. Your age at the time of each policy renewal will impact your premium. You will receive the lowest rates when you first enroll in your Medigap plan, and the cost will go up over time.

  • Community Rating

     Your age isn’t factored into your premium. Every participant enrolled in your plan will receive the same rate.

  • Issue-Age Rating

     – Your age at the time your policy is issued will factor into your premium without increasing over time. These aren’t always the cheapest Medicare Supplement plans when you initially compare premiums online, but they may become more affordable over time compared to attained-age policies.

Medicare Supplement Plan Comparison Chart in West Virginia for 2020

There are 10 standardized Medicare Supplement plans in West Virginia. If you count the high-deductible version of Plan F, you may consider that 11 plans. This will change in 2020 since the federal government will no longer allow the sale of Plans F and C after 2019 since these plans include the Medicare Part B deductible and this will no longer be allowed. If you purchase one of these Medigap policies prior to 2020, you will continue to receive those standardized benefits even after this change is implemented.

Medicare Supplement Insurance Plan F, Medicare Supplement Plan G and Medicare Supplement Plan N are considered by many people to be the best Medicare Supplement plans in West Virginia. You can get a better idea of what each of these health insurance options cover by looking at this helpful comparison chart:

Medicare Supplement Plans Comparison Chart

Please note: Medigap Plan F in West Virginia will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

How Does A Medicare Supplement Plan in West Virginia Cover Prescription Drugs?

Since Part D was added to your Original Medicare coverage, Medicare Supplement plans do not include prescription drug coverage. This is even true for the best Medicare Supplement plans in West Virginia. Since you’re enrolled in Medicare Part A and Part B or will do so in the near future, you qualify to enroll in Medicare Part D as well. You do this by comparing rates online, selecting your preferred insurance company and then enrolling in a Medicare prescription drug plan.

If you need help paying for your 2020 Medigap plan plus your Part D benefits, you may qualify for the Medicare Extra Help program. This is a nationwide program that allows lower-income seniors to receive added financial assistance for their prescription medications.

When to Enroll in Medicare Supplement Plans in West Virginia

You don’t have to wait for a nationwide Medigap plan open enrollment period to apply for a Medicare Supplemental plan in West Virginia. You will have personal enrollment periods that allow you to secure the best Medicare Supplement plan in West Virginia after you become an Original Medicare beneficiary, including:

  • Initial Enrollment Period – This is your best chance to enroll in a Medigap plan because insurance companies are required to accept your application for coverage and cannot ask questions regarding your medical history when determining your rate. You’re also entitled to guaranteed renewal, which means that your insurance company cannot cancel your policy in the future unless you fail to make your payments.
  • Special Enrollment Periods – If you don’t enroll in a Medigap plan during your initial enrollment period, you may receive additional opportunities to receive guaranteed enrollment and renewal without answering medical questions. This only applies to select Medicare beneficiaries in strict circumstances, but it usually happens when you decide to enroll in Original Medicare late because you already have adequate healthcare coverage when you turn 65.

You can apply for the best Medicare Supplement plan in West Virginia for 2020 outside of these enrollment periods, but your insurance company will put you through the underwriting process. You will answer questions regarding your medical history, and your answers will determine whether you’re accepted into the plan and what you pay for your coverage.

Can I Use My West Virginia Medicare Supplement Plan In Other States?

Yes, your Medigap plan will cover your out-of-pocket expenses as long as your chosen medical provider accepts Original Medicare as payment. As a beneficiary of Original Medicare, Part A and B coverage will apply to your bills first. The Medicare Supplement plan will then pick up any remaining charges covered under the plan’s benefit package. Some of the best Medicare Supplement plans in West Virginia will even cover some of your overseas medical charges.

Keep in mind that your zip code impacts your premium but not your choice of doctors. If you move to a new zip code in the United States, you will likely see a change in your Medicare Supplement plan premiums.

Medicare Advantage plans are a little different from Supplement plans when it comes to flexibility. Many of those plans have network restrictions. You’ll probably want to stick with a Medicare Supplement plan in West Virginia — like Medigap Plan A or Medigap Plan F — if you want the freedom to choose your own doctor, hospital or skilled nursing facility without worrying about network restrictions.

Best Medicare Supplement Plans in West Virginia: Enrollment Statistics

  • The five largest counties in West Virginia include Kanawha County, Berkeley County, Monongalia County, Cabell County, and Wood County.
  • In 2015, there were more than 400,000 Medicare beneficiaries in West Virginia.
  • More than 85,000 West Virginia residents were enrolled in Medicare Part A and Part B as well as a Medicare Supplement plan in 2015. This translates to almost 30 percent of the state’s Medicare beneficiaries.
  • With more than 50,000 participants, Medigap Plan F was the most popular Medicare Supplement plan in West Virginia in the last few years.
  • West Virginia residents who are looking for the best Medicare Supplement plans in West Virginia should take their time comparing the benefits of each plan and comparing different providers.

Related Medicare Supplement Plan Topics in West Virginia

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

West Virginia Medicare Resources:

If you’d like to learn more about the federal Medicare program and the standard Medicare benefits, Medigap insurance and more, you can check out these state and federal resources:

We would love to go over your Medicare Supplement plan options for 2020 with you. You do not have to call each insurance agency to get monthly premium quotes and information about plans. In addition to using our Medicare Supplement plans comparison chart, give us a call, and talk to one of our licensed insurance agents about Medicare and Supplemental Medicare plans in West Virginia. We will help you choose a Medigap plan for 2020 that will reduce your out-of-pocket costs and provide you with the best coverage.