Well over 81,000 Medicare beneficiaries in Huntington, West Virginia, desperately seek a Medicare Supplement (Medigap) plan. But the plan that helps them the most may not be what they expect.
Medicare plans in Huntington, West Virginia
Your average Original Medicare recipient in Huntington, West Virginia, is 70 years old, and 47% are male. Your age and gender are two factors that strongly influence the insurance rates you get quoted.
Medicare Advantage plans
Most residents will have 29 different Huntington, West Virginia, Medicare Advantage plans from which to choose. That’s an impressive 36% participation rate. And all of the top plans outlined in the chart below start with a $0 monthly premium.
Many Medicare recipients start by looking for the cheapest plan available. There’s a three-way tie for the plan with the lowest maximum annual out-of-pocket limit. That tie is between UnitedHealthcare, Humana, and The Health Plan.
This leads to other plans, which are not the cheapest. The first one is Aetna. Aside from the higher out-of-pocket annual limit, it’s distinctive because it’s an HMO plan.
Highmark has an identical out-of-pocket maximum annual limit. But it comes with a PPO medical network. These networks are larger and give you more choices, but there are usually more expensive.
The average cost of Medicare Advantage plans in Huntington, West Virginia
|PLAN||PREMIUM||MOOP||Plan Type||Star Rating|
|The Health Plan||$0||$6,700||HMO||4|
|Highmark Inc.||$0||$7,550||LOCAL PPO||4|
Medicare Supplement plans
The federal government standardizes Medigap plans and offers identical benefits from one state to the next. There are 10 to choose from, and they cover most of the specific Medicare coverage gaps.
Plan F and Plan G (also known as “Super Medicare“) are the two most comprehensive Medicare Supplement plans in Huntington, West Virginia. The only difference is that Plan G does not pay your Part B deductible. Both plans offer a high-deductible alternative for beneficiaries whose main priority is saving money on monthly premiums.
It’s funny that Plan N is more affordable than Plan A since it’s much less comprehensive than Plan N. This plan is almost identical to the most comprehensive plans but doesn’t cover your Part B excess charges or deductibles. For most beneficiaries, though, these are easily coverable expenses.
The fact that Plan C is one of the most comprehensive and at least affordable is market forces at work. Newer beneficiaries might not have qualified for Medicare before 2020 when plans like F and G were no longer available for new enrollees. For newer enrollees who don’t want to pay their own Part B deductible, it’s now their only option.
The average cost of Medicare Supplement plans in Huntington, West Virginia
|LETTER PLAN||LOWEST PREMIUM||HIGHEST PREMIUM|
Medicare Part D prescription drug plans
Are you struggling to pay for prescription drugs with your Original Medicare? Medicare Part D can help. But the average beneficiary will still have to pay a few hundred dollars yearly to get their drug discounts.
This chart shows details of the top Part D plans in Huntington, West Virginia. The average plan costs around $16 monthly in premiums alongside an annual $480 deductible. That’s just a little less than what you would pay with Clear Spring.
Aetna and Wellcare are below this average and, therefore, more affordable. They also have outstanding customer service star ratings.
Elixir and Humana are above the average and, therefore, more expensive. But they also have above-average customer service ratings, especially Humana.
The average cost of Medicare Part D plans in Huntington, West Virginia
Our Part D FAQ pages have many more answers if you still have questions.
Special Needs plans
Special Needs Plans are unique Medicare Advantage plans which help particular Medicare beneficiaries afford their costly medical care. However, in Huntington, West Virginia, eligibility is more strict than most states. Dual eligibility means that your disability must be chronic and disabling; institutional eligibility means that you must be in an institution to qualify.
WV Senior Advantage is one such plan which requires institutionalization. It’s also the most expensive plan with a monthly premium and the highest annual out-of-pocket maximum limit.
Humana is the most affordable. They have a $0 premium and the lowest out-of-pocket maximum.
Aetna and UnitedHealthcare also have $0 monthly premiums. But they also have equally high annual maximum out-of-pocket limits. At least UnitedHealthcare will offer you more choices with its PPO network.
The average cost of Medicare Special Needs plans in Huntington, West Virginia
|The Health Plan||$40.40||$7,550||HMO||Dual|
|WV Senior Advantage||$40.60||$7,550||HMO||Institutional|
How to sign up for Medicare plans in Huntington
It’s not hard to save money on Medicare Supplement insurance in Huntington, West Virginia. Just ask us for help!
If you fill out our simple form, one of our Medicare experts will get back to you within 24 hours to help you find the lowest rates in your area.