Over 82,000 Medicare recipients desperately need Medicare supplement coverage but don’t have it. Those in Morgantown, West Virginia, have access and many choices in this arena.

Some don’t even know what it is or why protecting their life savings from out-of-pocket medical costs is important.

Morgantown, West Virginia Supplemental Medicare Plans

According to statistics, if you’re enrolled in Medicare and live in Morgantown, you are a 71-year-old female. You will likely get lower rates for a supplement insurance plan. But there are other important factors at play, too.

Affordable Medicare Advantage Plans in Morgantown, West Virginia

Monongalia County has 25 different Medicare Advantage plans to offer. The area has a 38% Medicare Advantage participation rate.

Unlike Medigap, Medicare Advantage replaces your Original Medicare benefits with an identical plan and offers the option to add extra coverage for your benefit. But the more coverage you add, the more likely you’ll lose the $0 monthly premium that affordable plans like Humana offer.

UnitedHealthcare is still more affordable because it has the lowest out-of-pocket maximum limit compared to the others. It also gives you a more expansive medical network to choose from, and the customer service isn’t bad, either.

The Least affordable plan would be a tie between Highmark and Aetna. Their maximum out-of-pocket limit is well over $7,000. But it might be worth it after customer service reviews and expansive medical networks appeal to you.

PLAN PREMIUM MOOP Plan Type Star Rating
Highmark Inc. $0 $7,550 LOCAL PPO 4
Humana $0 $5,400 LOCAL PPO 4
UnitedHealthcare $0 $4,200 LOCAL PPO 4
Aetna $0 $7,550 LOCAL PPO 4
The Health Plan $0 $6,700 HMO 4

Our Medicare Advantage FAQ pages can be helpful if you still have questions about Medicare Advantage in Morgantown, West Virginia.

Average Medicare Supplement Plans in Morgantown, West Virginia

Did you know that Medicare supplement plans offer 10 different standardized plans which are the same across the country? The government is responsible for standardizing them and ensuring they protect beneficiaries like you from the gaps in Medicare coverage.

Applying for Medigap isn’t as difficult as you think, especially with our help. Applying during your Initial Enrollment Period is the best way to save the most money on comprehensive plans like Plan C. You’ll get guaranteed issue rights during this enrollment window, which lowers your monthly premiums and prevents you from getting rejected or charged more for pre-existing conditions.

The average Medigap plan costs a little over $100, which means plans like Plan N, the high-deductible plans, and even Plan G are still highly affordable. They also offer the most comprehensive coverage.

Below-average plans like Plan K or Plan L are cheaper because they only cover a portion of the cost of the benefits they offer. You will have to pay the rest. But these plans also have a maximum out-of-pocket annual limit to help you protect your savings.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $94.64 $1,189.80
PLAN B $124.95 $311.12
PLAN C $168.01 $378.62
PLAN D $118.33 $257.00
PLAN F $121.87 $1,544.04
PLAN HDF $37.98 $473.16
PLAN G $103.60 $1,240.08
PLAN HDG $36.08 $81.70
PLAN K $53.92 $139.00
PLAN L $67.25 $238.04
PLAN M $145.84 $279.53
PLAN N $77.94 $931.56

The Medigap FAQ pages on our website contain a plethora of information if you want to learn more about Medicare Supplement Insurance.

Cheapest Medicare Part D in Morgantown, West Virginia

If you need prescription drugs and prefer Original Medicare, you’ll also need a Medicare Part D prescription drug plan. Once you meet your annual deductible, you’ll get discounted prices on all the drugs included in your plan’s formulary.

For beneficiaries who need financial assistance, there’s Medicare Extra Help. It can come in handy if you can only afford the cheapest plan like the one from Aetna but struggle to meet that $480 annual deductible.

The Humana drug plan is the least cheap plan. It’ll cost you over $750 per year just to get access to cheaper drugs. But they do have the highest star rating.

Clear Spring does not have the cheapest plan on this list. They are right in the middle. But they do have the lowest star rating, which is disconcerting.

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

Are you curious to know more? Our Part D FAQ pages can teach you many things.

Medicare Special Needs Plans in Morgantown, West Virginia

West Virginia is one of the most difficult states for people with medical disabilities to get a Special Needs Plan. These Medicare Advantage plans are reserved exclusively for people with disabilities that are either chronic and disabling or so severe that they require institutionalization.

WV Senior Advantage is the plan which requires institutionalization. It’s also the most expensive plan requiring a high annual out-of-pocket spending limit and a monthly premium.

The fairest and most affordable plan is from Humana. You have a wide PPO medical network full of choices, a $0 monthly premium, and a maximum out-of-pocket annual limit of less than $4,000.

Aetna and UnitedHealthcare are also compassionate enough not to charge beneficiaries with severe disabilities a monthly premium. But they do have some of the highest maximum out-of-pocket annual limits.

PLAN PREMIUM MOOP Plan Type Eligibility
Humana $0 $3,450 LOCAL PPO 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

FAQs

How much is Medigap per month in Morgantown, West Virginia?

Medigap can cost as little as $36 per month or as much as $1,200 per month. It all depends on the plan you choose and your circumstances.

Who pays for Medigap in Morgantown, West Virginia?

You have to pay your medical provider directly for your monthly premium. You cannot have it deducted from your monthly Social Security payment like you can with other Medicare services.

Can you change from Medicare Advantage to Medigap in Morgantown, West Virginia?

Yes, you can. But you can only do it during the Annual Enrollment Period each year.

How to Sign Up for Supplemental Medicare in Morgantown

Comparing rates and comparison shopping can be stressful, time-consuming, and difficult on your own — so please let us help.

We have Medicare experts who want you to get the best deal. They’ll give you free, comprehensive advice tailored to your needs.

So get on the phone and call us today. Or take a moment to fill out our easy online rate form so you can be connected with the best rates in your part of Morgantown.

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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.