Medicare Supplements Available in West Virginia WV Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in West Virginia. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in WV at the lowest cost available.
West Virginia Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with a Medicare Supplement, offers the best health coverage West Virginia seniors can get. But, which Medigap plan is the right one for you?
This is a complicated question. After all we're all different and have different needs. For most of us it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G and N. Keep reading and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $128.98 | $109.36 | $91.51 |  |
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| Aetna | $141.03 | $104.54 | $78.64 |  |
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| American National | $108.38 | $86.17 | $74.73 | |
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| American Retirement Life | $159.10 | $99.31 | $89.65 | |
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| Americo Life | $131.75 | $103.87 | $85.39 |  |
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| Assured Life | $192.39 | $94.78 | $78.05 | |
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| Bankers Fidelity Assurance | $125.66 | $99.31 | $84.82 | |
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| Central States | $146.42 | $117.92 | $92.83 | |
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| Combined Insurance | $129.84 | $108.13 | $110.95 | |
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| CSI Life | $155.42 | $108.00 | $86.42 | |
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| Equitable National | $122.55 | $95.98 | $76.93 | |
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| Gerber Life | $173.22 | $141.21 | N/A | |
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| Globe Life | $134.00 | $118.00 | $100.00 | |
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| GPM Health and Life | $145.61 | $111.42 | $90.52 | |
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| Greek Catholic Union | $136.54 | $105.82 | $81.82 |  |
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| Guarantee Trust Life | $114.75 | $94.98 | $78.03 | |
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| Highmark Blue Cross Blue Shield West Virginia | $167.00 | $130.00 | $137.40 | |
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| Humana | $176.70 | N/A | $113.32 | |
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| IAC | $144.00 | $92.81 | $80.88 | |
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| Liberty Bankers Life | $123.64 | $98.17 | $83.91 | |
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| Loyal Christian | $144.39 | $100.06 | $80.84 | |
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| ManhattanLife | $130.42 | $95.25 | $80.25 | |
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| Medico | $158.36 | $124.26 | $104.16 | |
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| National General | $126.00 | $99.58 | $84.00 | |
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| National Guardian Life | $127.75 | $97.96 | $83.87 | |
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| Philadelphia American | $135.78 | $123.35 | $88.89 | |
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| Shenandoah Life | $131.94 | $95.33 | $80.55 | |
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| State Farm | $138.89 | N/A | N/A | |
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| S.USA Life Insurance | $115.67 | $99.10 | N/A | |
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| The Health Plan | $140.97 | $126.10 | $112.21 | |
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| Thrivent | $121.11 | $95.64 | $78.86 |  |
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| Transamerica | $139.49 | $128.14 | $109.78 | |
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| United American | $168.00 | $165.00 | $137.00 | |
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| United Commercial Travelers | $220.77 | $171.27 | $150.95 | |
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| United World | $134.75 | $101.49 | $84.74 | |
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| USAA Life | $152.15 | N/A | $102.68 | |
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| Western Catholic Union | $124.80 | $93.19 | $77.54 | |
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Compare Plan RatesThe average West Virginia senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in West Virginia
Looking for the best Plan F, G or N available to West Virginia seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in West Virginia
Medicare Supplement Plan F is the most popular Medigap plan available in West Virginia. Here are the 10 best Plan F policies available in West Virginia based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $121.11 | None | |
| American National | $108.38 | None | |
| AARP | $128.98 | None | |
| Globe Life | $134.00 | None | |
| Transamerica | $139.49 | None | |
| Highmark Blue Cross Blue Shield West Virginia | $167.00 | None | |
| United American | $168.00 | None | |
| Guarantee Trust Life | $114.75 | $25.00 | |
| Equitable National | $122.55 | None | |
| National General | $126.00 | None | |
10 Best Medigap Plan G Policies in West Virginia
Medicare Supplement Plan G is rapidly gaining popularity among West Virginia seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in West Virginia based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $95.64 | None | |
| American National | $86.17 | None | |
| AARP | $109.36 | None | |
| Globe Life | $118.00 | None | |
| Transamerica | $128.14 | None | |
| Highmark Blue Cross Blue Shield West Virginia | $130.00 | None | |
| United American | $165.00 | None | |
| Guarantee Trust Life | $94.98 | $25.00 | |
| ManhattanLife | $95.25 | None | |
| Equitable National | $95.98 | None | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in West Virginia
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many West Virginia seniors. Here are the 10 best Medigap Plan N policies available in West Virginia based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $78.86 | None | |
| American National | $74.73 | None | |
| AARP | $91.51 | None | |
| Globe Life | $100.00 | None | |
| Transamerica | $109.78 | None | |
| United American | $137.00 | None | |
| Highmark Blue Cross Blue Shield West Virginia | $137.40 | None | |
| Equitable National | $76.93 | None | |
| Guarantee Trust Life | $78.03 | $25.00 | |
| ManhattanLife | $80.25 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in West Virginia. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in West Virginia are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medigap Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in West Virginia. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
West Virginia Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although West Virginia state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the West Virginia Department of Insurance website at http://www.wvinsurance.gov/.
Medicare Supplement Plan F: Is it the Best Plan in West Virginia?
Even though Medicare Plan F is the most costly, it is the overwhelming favorite. More than 50 percent of all seniors with a Medigap policy in West Virginia choose Plan F. The reason is simple. It offers complete gap coverage.
IMPORTANT: If you want the gap protection of Medicare Supplement Plan F, you must get enrolled before January 2020. Congress voted to abolish Plan F. Starting January 2020 carrier are no longer able to sell these polices.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in West Virginia than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Medicare Supplement Plan Comparison Chart
The following Medicare Supplement Plan Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many West Virginia seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in West Virginia. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a West Virginia Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The West Virginia SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-877-987-4463
- http://www.wvship.org/
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in West Virginia. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .