West Virginia Medicare supplement plans are available from a number of insurance companies, including major carriers like Anthem Blue Cross Blue Shield and United Healthcare. When shopping for a Medicare supplement, be sure to get quotes from all carriers though, because your state offers quite a few smaller carriers that nonetheless have A ratings.
Medicare Supplements in West Virginia include the 10 standardized plans available in so many other states. Choosing a Medicare supplement involves comparing quotes from dozens of carriers. Fortunately, at Boomer Benefits, we make that process easy for you by providing you a side by side comparison of both current rates and also rate histories, which can be important in choosing a company with reasonable annual rate increases that won’t break your bank.
If you are under 65 on Medicare in West Virginia, you will find that Medigap companies do not have to offer plans to you. If they do choose to do so, they can charge significantly higher rates.
This makes Medicare Advantage plans in West Virginia a great solution until you reach age 65. More on that below.
West Virginia Medigap Plan F
We suggest that you begin this process by requesting quotes for a West Virginia Medigap Plan F. This plan is one of the most popular sellers across the nation because it covers all of your copays and cost-sharing under Medicare. This means that when you go to the doctor or hospital, you just present your Medicare supplement card, and nothing more is due from you. There are over 50,000 Medigap policyholders in your state, so this type of insurance is tried and true.
West Virginia Medicare supplement Plan G is also quite popular. On this plan you pay your own Part B deductible, and then it functions just like Plan F for the rest of the year.
West Virginia Medicare Advantage
Some Medicare beneficiaries prefer a private healthcare plan with lower premiums up front, but more pay-as-you-go expenses on the back end. If this sounds like you, then you might consider a private Medicare HMO or PPO.
Medicare Advantage plans in West Virginia are available from several providers. Keep in mind that though these plans are cheaper, you will need to use the plan’s network. Our agency can search the provider directory before you enroll to make sure you choose a plan that your doctors will accept.