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.

Supplemental Medicare Plans in Huntington, West Virginia

Your average Medicare recipient in Huntington is 70 years old, and 47% of them are male. Your age and gender are two factors that strongly influence the insurance rates you get quoted.

Cheapest Medicare Advantage Plans in Huntington, West Virginia

Most Huntington, West Virginia residents will have 29 different Medicare Advantage plans. 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, unfortunately, are not the cheapest. The first one is Aetna. Aside from the higher out-of-pocket annual limit, it is distinctive because it is 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 choice, but there are usually more expensive.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $0 $6,700 LOCAL PPO 4
Aetna $0 $7,550 HMOPOS 4
Humana $0 $6,700 PFFS 4
The Health Plan $0 $6,700 HMO 4
Highmark Inc. $0 $7,550 LOCAL PPO 4

Affordable Medicare Supplement Plans in Huntington, West Virginia

Medigap plans are standardized by the federal government and offer 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 plans available today. 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 is 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 deductible. For most beneficiaries, though, these are easily coverable expenses.

The fact that Plan C is one of the most comprehensive 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.

PLAN A $97.27 $1,213.92
PLAN B $134.83 $350.87
PLAN C $172.61 $427.37
PLAN D $119.08 $228.00
PLAN F $133.04 $1,575.72
PLAN HDF $33.00 $483.00
PLAN G $114.31 $1,265.76
PLAN HDG $33.00 $69.74
PLAN K $58.58 $157.00
PLAN L $73.00 $247.75
PLAN M $127.11 $250.20
PLAN N $84.87 $950.64

Average Medicare Part D in Huntington, West Virginia

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 each year just to get access to their drug discounts.

This chart shows details of the top Part D prescription drug 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 really good 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.

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

Our Part D FAQ pages have many more answers if you still have questions.

Medicare Special Needs Plans in Huntington, West Virginia

Special Needs Plans are unique Medicare Advantage plans which help certain Medicare beneficiaries afford their exceptionally expensive medical care. In Huntington, West Virginia, though, eligibility is more strict than in 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.

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


What is the best Part D prescription plan in Huntington, West Virginia?

That depends on what you value the most. Some beneficiaries want low monthly premiums, others want low annual deductibles, and others want deep discounts on the drugs they need to be healthy.

What is a Medigap Plan D in Huntington, West Virginia?

Sometimes beneficiaries get confused between Medicare Part D, and Medigap Plan D. Medicare Part D is a small, private prescription drug insurance plan that beneficiaries with Original Medicare need to lower their prescription drug costs.

Medigap Plan D covers many gaps in Original Medicare coverage but does not cover prescription drugs.

Is GoodRx better than Medicare Part D in Huntington, West Virginia?

That depends on several factors. The fewer drugs you need, the cheaper those drugs are, and the less frequently you need refills might make GoodRx better. But if you need lots of prescriptions, expensive prescriptions, or frequent refills, Medicare Part D might be better.

How to Sign Up for Supplemental Medicare 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.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.