Over 200,000 retired persons in Charleston, West Virginia, right now might not have proper supplemental Medicare coverage. Did you know that could cost you tens of thousands of dollars in out-of-pocket expenses each year?

Charleston, West Virginia Supplemental Medicare Plans

Most beneficiaries in Charleston are about 69 years old and also female. There is a much smaller gap between the number of females and males in this city compared to other areas.

These facts are important because these details change the rate you get quoted for your Medicare supplement.

Average Medicare Advantage Plans in Charleston, West Virginia

The 38% of Medicare recipients in Charleston, West Virginia, have 28 different plans to choose from in their county. How do you know which plan is right for you? You have to start by comparing prices; we can help you make that process much faster and easier.

Out of the top plans, your average Medicare Advantage plan, like the one from Aetna, will come with a PPO network. Your other option is usually an HMO network. The difference between HMO and PPO networks is between smaller networks that keep costs lower and larger networks that might cost more.

The average Advantage plan in Charleston will have a maximum out-of-pocket limit of just over $6,000. This means plans like Humana and UnitedHealthcare are below average in cost and highly affordable.

There’s another plan on this list from Aetna which has above-average costs, as well as The Health Plan. Both of these plans have HMO networks. While these smaller networks could save you money in theory, you might not have access to the doctors and hospitals you want.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $7,550 LOCAL PPO 4
The Health Plan $0 $6,700 HMO 4
Humana $0 $4,500 REGIONAL PPO 4
UnitedHealthcare $0 $5,400 LOCAL PPO 4
Aetna $0 $6,900 HMO 4

The great thing about our Medicare Advantage FAQ pages is that they have plenty of information to help answer any unanswered questions you may have.

Cheapest Medicare Supplement Plans in Charleston, West Virginia

Medicare supplement plans give you 10 different standardized plans to choose from, which are the same in every state. They specifically target the gaps in Medicare coverage, hence the name.

Medigap is designed to cover the costly Medicare coverage gaps most beneficiaries don’t know about. Plan F, Plan G, and the high-deductible versions of the plans cover the most gaps. The high-deductible versions let you pay a smaller monthly premium which helps you save money to afford that high annual deductible for when you finally need care.

Plan N is highly comprehensive and also one of the cheapest available. The only things that it doesn’t cover are your Part B deductible and excess charges. You have to pay a $5 copay in place of your Part B coinsurance costs, which is much cheaper than a 20% coinsurance fee.

Plan C is the least cheap plan available. But is the extra expense even worth it? The only advantage it has over the other plans (for beneficiaries who cannot purchase Plan G or Plan F) is that it covers your Part B annual deductible. This is almost a negligible expense for most retirees, so the higher monthly premium might not be worth it.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $85.99 $1,074.12
PLAN B $117.33 $311.12
PLAN C $152.78 $378.62
PLAN D $108.25 $198.00
PLAN F $115.69 $1,394.64
PLAN HDF $28.00 $427.68
PLAN G $101.17 $1,120.44
PLAN HDG $28.00 $68.33
PLAN K $50.92 $139.00
PLAN L $63.50 $219.25
PLAN M $116.01 $225.28
PLAN N $73.80 $841.68

Our Medigap FAQ pages have answers if you still have questions.

Affordable Medicare Part D in Charleston, West Virginia

Most Medicare Advantage plans automatically come with prescription drug coverage. Unfortunately, neither Original Medicare nor Medigap cover prescription drugs. That’s why the government created Medicare Part D.

Entering the Medicare coverage gap can cost you 25% of the total price of each prescription refill. Luckily, the vast majority of beneficiaries never enter the coverage gap. This is especially true if you choose an affordable plan like Aetna.

Humana’s high customer star rating hints that maybe they have a more expansive formulary. If you need a more expansive formulary, your prescription drug needs may put you in this coverage gap. Luckily, it resets every year.

Wellcare has the second most affordable plan out of the plans selected below. They also have above-average customer service.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.20 $480 3
Wellcare $12.90 $480 3
Clear Spring $18.20 $480 2
Elixir $20.30 $480 3
Humana $22.70 $480 4

Medicare Special Needs Plans in Charleston, West Virginia

There are special Medicare Advantage plans for beneficiaries who have chronic illnesses. In Charleston, West Virginia, some plans need your illness to be chronic and disabling to qualify for these plans. Others require you to be institutionalized before you can qualify.

WV Senior Advantage requires you to be in an institution to qualify. on top of that, they require you to pay a monthly premium and have a very high maximum out-of-pocket limit.

Humana has the lowest annual out-of-pocket maximum and a $0 premium. But you don’t need to be institutionalized to qualify. It has a smaller HMO medical network, though.

All of the other plans have identical out-of-pocket maximum costs. But at least UnitedHealthcare has a PPO network which gives you greater choice.

PLAN PREMIUM MOOP Plan Type Eligibility
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Humana $0 $3,450 HMO Dual
The Health Plan $40.40 $7,550 HMO Dual
WV Senior Advantage $40.60 $7,550 HMO Institutional

FAQs

Is Medicare Part D deducted from Social Security in Charleston, West Virginia?

Yes, you have that option. Beneficiaries have this option no matter where they live.

Why would someone choose a Medicare Advantage plan in Charleston, West Virginia?

For the same reason that anyone would choose Medicare Advantage — it offers the convenience of paying for your Medicare benefits and ancillary coverage under one single plan.

What will Medicare not pay for in Charleston, West Virginia?

This isn’t unique to Charleston. but Medicare across the country doesn’t pay for ancillary coverage like hearing, vision, or even long-term care.

How to Sign Up for Supplemental Medicare in Charleston

Those residing in Charleston, West Virginia, have many options for adding supplemental coverage to their Original Medicare. But the options can be daunting to sort through, necessitating the desire for help.

Our licensed insurance agents are friendly and knowledgeable in all aspects of Medicare. They’ll ensure you understand which plan is best for your needs. Best of all, their time and effort are free for you!

So pick up the phone and give us a call today. Or take a moment to fill out our convenient online rate form for the best rates on Supplemental Medicare plans in your area.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.