Some Medicare beneficiaries want to stick with Original Medicare but don’t want to pay for the expensive coverage gaps. Thankfully, a specialized Medicare insurance supplement in West Virginia is designed to cover these gaps — aptly named “Medigap” insurance.

These insurance supplements are standardized and regulated by the government, so you get the same benefits everywhere. So the two major factors that most beneficiaries base their decision on are the policy price and the insurance company’s quality.

West Virginia Medigap Enrollment & Coverage Chart Per Letter Plan

Over 91,000 West Virginia residents on Medicare are lowering their healthcare costs with a Medigap insurance plan. But that’s low since it means only 29% of Medicare enrollees are protecting themselves from coverage gaps.

While some are supplemented with Medicare Advantage, thousands of retirees are still vulnerable to bankrupting medical debt.

PLAN A B C D F G K L M N
806 853 3,752 265 51,607 19,617 446 293 0 9,235

What are the Most Popular Medigap Plans in West Virginia?

If you have to narrow it down to the top three, the bottom of that list would start with Medigap Plan N. Compared to the other plans, it is most similar to Plan C. However, Plan N does not pay for your Part B deductible.

Plan N also charges you a small co-pay in place of Part B coinsurance, whereas Plan C covers that expense completely.

The next most popular Medigap plan is Plan G. There are two main reasons why Plan G is more popular than Plan N. Plan G will pay for your Part B excess charges.

It also covers your Part B coinsurance charges completely instead of charging a copay.

Medigap Plan F is the most popular by far. Plan F is the most fully comprehensive Medigap plan that most beneficiaries can enroll in. But it usually comes with the most expensive monthly premiums, too.

Medigap Plan Coverage Chart for West Virginia

What does it mean when we say these plans are “standardized”? Each plan offers the same benefits no matter where you live. Plan F is the most comprehensive plan whether you live in Oklahoma or Ohio. This is why pricing is so important when choosing the right plan.

Medicare Supplement Plans Costs in West Virginia

Finding out how much you will pay for your monthly premium is a little tricky. Many factors are involved, such as tobacco use, location, age, and whether or not you enrolled during your Initial Enrollment Period. Your best bet is to enroll as early as possible to get the lowest price and qualify for guaranteed issue status.

Lowest Premium Per Medigap Letter Plan in West Virginia

The rate quotes below are a good example of how your personal factors influence prices. In this chart, we calculated the average rate for a 65-year-old female.

PLAN A B C D F G K L M N
Premium $85 $117 $152 $108 $115 $101 $50 $63 $116 $73

Most Expensive Premium Per Medigap Letter Plan in West Virginia

Just to show you how important factors like age, gender, and health status are, the West Virginia Medicare Supplement quotes below are calculated based on a 70-year-old male.

PLAN A B C D F G K L M N
Premium $1,344 $350 $427 $295 $1,744 $1,401 $157 $264 $310 $1,052

Top Medicare Supplement Plan Carriers in West Virginia

Let’s revisit the 65-year-old female we calculated rate quotes for earlier. This chart shows how her monthly premium would differ between different insurance providers. Each company calculates its Medigap rates based on different data and criteria, which explains the price variations.

CARRIERS PLAN F PLAN G PLAN N
Slbi USA $115 $103 $75
Medico $123 $102 $79
Royal Arcanum $124 $105 $77
United States Fire $125 $101 $78
American Benefit $126 $103 $75

FAQs

In West Virginia, which two Medicare plans cannot be enrolled together?

You cannot enroll in a Medigap supplement and a Medicare Advantage plan at the same time. They both do the same thing: protect you from the gaps in Original Medicare.

If it were legal for companies to sell you both, you would be wasting money paying for duplicate coverage.

What is the downside to Medigap plans in West Virginia?

If you need ancillary coverage such as dental, vision, hearing, or prescription drug coverage, you cannot get it through Medigap. Each type of coverage requires a separate insurance plan.

You can get drug coverage through Medicare Part D and the others covered by private insurance companies in your area.

Can I switch from a Medicare Advantage plan to a Medigap plan in West Virginia?

Yes, you can. But you can only do so during certain times of the year. You’ll have to wait for the Medicare Annual Open Enrollment Period to switch back to Original Medicare.

After your Medicare benefits are reinstated, you will have a brief window to shop for and purchase a Medigap insurance policy.

How to Sign Up for a Medigap Plan in West Virginia

Medigap.com has solid connections with the best Medigap providers across the country. So our Medicare experts are dedicated to ensuring you have a great health plan that fits your budget.

The best part is our insurance agents’ time is completely free to you!

So call us today. Or take a minute to quickly fill out our simple online rate form to receive the best rates in West Virginia.

Picture of the author
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.