Compare the Best Medigap Plans in West Virginia for 2025
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West Virginia residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in West Virginia. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.
This page highlights the top West Virginia Medicare Supplement and insurance companies for 2025.
Top 3 Best Medigap Plans in West Virginia for Comprehensive Coverage
Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in West Virginia. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.
Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in West Virginia.
Medigap Plan F in West Virginia
Medigap Plan F stands out as the most comprehensive Medigap plan, covering both Medicare Part A and Part B deductibles. It’s the best Medicare Supplement plan for individuals who want the broadest coverage possible. Learn more about how Plan F compares to Plan G .
Required Benefits of Plan F in West Virginia
Medigap Plan G in West Virginia
Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.
Required Benefits of Plan G in West Virginia
Medigap Plan N in West Virginia
Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.
Required Benefits of Plan N in West Virginia
Average Costs for Medigap Plans in West Virginia
In West Virginia, the cost of a plan varies depending on factors like the plan type, your age, gender, and tobacco use. Here’s an overview of the typical monthly premiums for the most popular supplemental plans in the state:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Factors That Impact Medigap Plan Costs in West Virginia
The price of Medicare Supplements in West Virginia can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in West Virginia can impact your premium due to regional cost differences.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
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Compare All Medicare Supplement Plans in West Virginia
If you want to see how all Medicare Supplement Insurance plans sold in West Virginia stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in West Virginia and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in West Virginia
When it comes to enrolling in a Medigap plan in West Virginia, timing is crucial. Certain enrollment periods determine when you're eligible to sign up, and the timing of your enrollment can impact your coverage and costs. Below, we outline the key enrollment periods you need to know:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window begins three months before your 65th birthday, includes your birthday month, and extends three months after. During this time, you can sign up for any Medigap plan without worrying about pre-existing conditions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): Your six-month Medigap open enrollment period starts when you turn 65 and are enrolled in Medicare Part B. This period allows you to choose any Medigap plan without needing to go through medical underwriting. Find out more about the Medigap Open Enrollment Period or read key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Life changes, like losing employer coverage, might qualify you for a Special Enrollment Period, letting you enroll in a Medigap plan outside of the typical timeframes. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Follow these simple steps to get Medicare Supplement coverage in West Virginia:
- Review Your Options: Compare the Medigap plans offered in West Virginia and select the one that best meets your needs.
- Check Enrollment Dates: Verify that you're in your Initial Enrollment Period, Open Enrollment Period, or qualify for a Special Enrollment Period.
- Apply for Coverage: Contact the insurance company or broker of your choice to apply for the Medigap plan you've selected.
- Confirm Your Enrollment: After your application is accepted, ensure your enrollment is finalized and review the terms of your coverage.
Want more information on how to enroll in Medigap? Check out our comprehensive Medigap Enrollment Guide.
Frequently Asked Questions About Medigap in West Virginia
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023