Looking for the top Medicare Advantage plans in West Virginia? Fantastic, but you'll need to take just one more small step. Medicare Advantage plans are different in each County, so you'll need to go to the area where you live. Here's why.
Unlike prescription drug plans (Medicare Part D), which are the same statewide, Medicare Advantage plan availability and options vary by area. The reason for this is simple. Not all areas have the same healthcare providers, so localized plans are better. Click on your County to get started.
Getting Enrolled in Medicare Advantage
Most West Virginia seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. Medicare Advantage
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a West Virginia Medicare Part D Plan (prescriptions) and West Virginia Medicare Supplement Insurance.
A Medicare Supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our West Virginia Medigap Plans page for more information. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
About Our 2019 Medicare Part C Information
We collect Medicare health insurance information from public files on CMS.gov. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote.
For additional information go to the CMS website at: http://cms.gov. This page is maintained by David Bynon and was last updated on .