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Medigap Plans
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West Virginia

The Best Medicare Supplement Plans in West Virginia

On this page we help consumers: Find the best Medicare Supplement Plans offered in West Virginia. We offer free quotes on all carriers. No sales calls. Privacy guaranteed. Call call 1-855-728-0510 (TTY 711) for plan assistance.

West Virginia Medigap Plans by Carrier

Insurance Carrier Plan F Plan G Plan N Rating
AARP $128.98 $109.36 $91.51
☆☆☆☆☆
Aetna $141.03 $104.54 $78.64
☆☆☆☆☆
American Retirement Life $159.10 $99.31 $89.65
☆☆☆☆☆
Americo Life $131.75 $103.87 $85.39
☆☆☆☆☆
Assured Life $192.39 $94.78 $78.05
☆☆☆☆☆
Bankers Fidelity Assurance $125.66 $99.31 $84.82
☆☆☆☆☆
Central States $146.42 $117.92 $92.83
☆☆☆☆☆
Combined Insurance $129.84 $108.13 $110.95
☆☆☆☆☆
CSI Life $155.42 $108.00 $86.42
☆☆☆☆☆
Equitable National $122.55 $95.98 $76.93
☆☆☆☆☆
Gerber Life $173.22 $141.21 N/A
☆☆☆☆☆
Globe Life $134.00 $118.00 $100.00
☆☆☆☆☆
GPM Health and Life $145.61 $111.42 $90.52
☆☆☆☆☆
Greek Catholic Union $136.54 $105.82 $81.82
☆☆☆☆☆
Guarantee Trust Life $114.75 $94.98 $78.03
☆☆☆☆☆
Highmark Blue Cross Blue Shield West Virginia $167.00 $130.00 $137.40
☆☆☆☆☆
Humana $176.70 N/A $113.32
☆☆☆☆☆
IAC $144.00 $92.81 $80.88
☆☆☆☆☆
Liberty Bankers Life $123.64 $98.17 $83.91
☆☆☆☆☆
Loyal Christian $144.39 $100.06 $80.84
☆☆☆☆☆
ManhattanLife $130.42 $95.25 $80.25
☆☆☆☆☆
Medico $158.36 $124.26 $104.16
☆☆☆☆☆
National General $126.00 $99.58 $84.00
☆☆☆☆☆
National Guardian Life $127.75 $97.96 $83.87
☆☆☆☆☆
Philadelphia American $135.78 $123.35 $88.89
☆☆☆☆☆
Shenandoah Life $131.94 $95.33 $80.55
☆☆☆☆☆
State Farm $138.89 N/A N/A
☆☆☆☆☆
S.USA Life Insurance $115.67 $99.10 N/A
☆☆☆☆☆
The Health Plan $140.97 $126.10 $112.21
☆☆☆☆☆
Thrivent $121.11 $95.64 $78.86
☆☆☆☆☆
Transamerica $139.49 $128.14 $109.78
☆☆☆☆☆
United American $168.00 $165.00 $137.00
☆☆☆☆☆
United Commercial Travelers $220.77 $171.27 $150.95
☆☆☆☆☆
United World $134.75 $101.49 $84.74
☆☆☆☆☆
USAA Life $152.15 N/A $102.68
☆☆☆☆☆
Western Catholic Union $124.80 $93.19 $77.54
☆☆☆☆☆
If you qualify for Medicare but don't know where to start, we have licensed Medicare advisors[1] at 1-855-728-0510 (TTY 711) who can answer your questions and help enroll you in Medicare Advantage, Medicare Supplement Insurance, and Part D prescription drug plans. There's no obligation.

West Virginia Medigap Plans: What's the Difference?

When talking about Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage. and getting additional coverage, your best option in West Virginia is a Medicare supplement. It all comes down to choice and control. But, which plan is best for you?

We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.

Related: What is the Average Cost of Supplemental Insurance for Medicare?

Top 3 Medicare Supplements in West Virginia

Looking for the three best Medigap plans available in West Virginia? They are Medicare Supplement Plan FMedicare Supplement Plan F is the most comprehensive Medicare supplement plan available. This plan covers all Original Medicare deductibles, coinsurance, and copayments, leaving you with no out-of-pocket costs on all Medicare-approved services., Medicare Supplement Plan GIf you're turning age 65 this year, Medicare Supplement Plan G is the most comprehensive Medicare supplement you can buy. It's also the most popular. You might be thinking that Medicare Supplement Plan F is..., and Medicare Supplement Plan NMedicare Supplemental Plan N is one of the ten standardized Medigap plans. Although it is one of the newest plans available, Medicare Plan N is quickly becoming a favorite with Baby Boomers aging into their.... Here are the 10 best insurance companies that offer these plans:

  1. 10 Best Medicare Supplement Plan F in West Virginia
  2. 10 Best Medicare Supplement Plan G in West Virginia
  3. 10 Best Medicare Supplement Plan N in West Virginia

Looking for a different plan? Compare the best Medicare supplement plans in West Virginia. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.

West Virginia Medicare Supplement Plan F Comparison Chart

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):

Top 10 Medigap Plan F in West Virginia

CarrierPremium[3]FeeReview[4]
Thrivent$121.11None☆☆☆☆☆
AARP$128.98None☆☆☆☆☆
Globe Life$134.00None☆☆☆☆☆
Transamerica$139.49None☆☆☆☆☆
Highmark Blue Cross Blue Shield $167.00None☆☆☆☆☆
United American$168.00None☆☆☆☆☆
Guarantee Trust Life$114.75$25.00☆☆☆☆☆
Equitable National$122.55None☆☆☆☆☆
National General$126.00None☆☆☆☆☆
National Guardian Life$127.75None☆☆☆☆☆

West Virginia Medicare Supplement Plan G Comparison Chart

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):

Top 10 Medigap Plan G in West Virginia

CarrierPremium[3]FeeReview[4]
Thrivent$95.64None☆☆☆☆☆
AARP$109.36None☆☆☆☆☆
Globe Life$118.00None☆☆☆☆☆
Transamerica$128.14None☆☆☆☆☆
Highmark Blue Cross Blue Shield $130.00None☆☆☆☆☆
United American$165.00None☆☆☆☆☆
Guarantee Trust Life$94.98$25.00☆☆☆☆☆
ManhattanLife$95.25None☆☆☆☆☆
Equitable National$95.98None☆☆☆☆☆
National Guardian Life$97.96None☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exceptionIn a Medicare Part D plan, an exception is a type of prescription drug coverage determination. You must request an exception, and your doctor must send a supporting statement explaining the medical reason for the.... A Plan G policy does not pay your Medicare Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services. annual deductibleA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share.. In many cases the annual cost of Plan G makes it a better deal.

West Virginia Medicare Supplement Plan N Comparison Chart

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsuranceCoinsurance is a percentage of the total you are required to pay for a medical service.  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):

Top 10 Medigap Plan N in West Virginia

CarrierPremium[3]FeeReview[4]
Thrivent$78.86None☆☆☆☆☆
AARP$91.51None☆☆☆☆☆
Globe Life$100.00None☆☆☆☆☆
Transamerica$109.78None☆☆☆☆☆
United American$137.00None☆☆☆☆☆
Highmark Blue Cross Blue Shield $137.40None☆☆☆☆☆
Equitable National$76.93None☆☆☆☆☆
Guarantee Trust Life$78.03$25.00☆☆☆☆☆
ManhattanLife$80.25None☆☆☆☆☆
National Guardian Life$83.87None☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copaymentA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service. for office visits and up to $50 for emergency room visits.

Best West Virginia Medigap Plan Reviews

The Centers for Medicare and MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. updates their Medigap cost information annually. We evaluate all Medicare Supplement companies servicing policies in West Virginia. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. , and fees. We do not evaluate rate increase history for all Medicare insurance plans, so be sure to ask your agent to provide this information.

We review Medicare Supplement Plans in West Virginia head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-728-0510 (TTY 711) to speak with an agent and get a quote.

How Much do Medicare Supplement Plans Cost in West Virginia?

The Centers for Medicare and Medicaid updates their Medicare supplement cost information annually. We show estimated monthly premiums for all Medicare supplement insuranceMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. plans in West Virginia. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-728-0510 (TTY 711) to speak with an agent and get a quote.

Medigap Plans in West Virginia are Standardized

All Medicare Supplement insurance carriers in West Virginia are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N. So, for example, a Plan F from Aetna has exactly the same health coverage as a Plan F from Mutual of Omaha. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare AdvantageMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B)..

NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.

All West Virginia Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This lets you get the additional insurance you need to cover the gaps in your Medicare Parts A and B benefits.

Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:

  • Don't have to offer every Medigap plan
  • Must offer Medigap Plan AMedicare Supplement Plan A is often confused with Medicare Part A, which is the Medicare coverage that pays for your inpatient hospital care. Medicare Supplement Plan A, which is also known as 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/.

West Virginia Medigap Plan Comparison Chart

The following chart offers a quick look at the benefits provided by each standardized plan.

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 HospiceHospice is a special way of caring for people who are terminally ill. Hospice care involves a team-oriented approach that addresses the medical, physical, social, emotional, and spiritual needs of the patient. 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 AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. 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 ChargesA Medicare Part B excess charge is the difference between a health care provider’s actual charge and Medicare’s approved amount for payment. 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.

Are Medigap Plans Better Than Medicare Advantage Plans in West Virginia?

Getting Prescription Drug Coverage (Part D) with a West Virginia Medigap Plan

To get prescription drug coverage with a Medigap policy you need a stand-alone West Virginia Medicare Part D plan. The most basic plans start at less than $20 and are worth getting, even if you don't have regular prescriptions.

You can join a Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... plan as soon as you have both your Part A and Part B benefits. But, don't delay. Once your initial enrollment has passed, you won't be able to join a plan until the next open enrollment periodDuring the Medicare Open Enrollment Period, Medicare Advantage and Part D plan members can change, switch, or drop a plan they chose during the Annual Election Period. OEP starts on January 1 and ends on March 31.. Medicare's Annual Election Period for Part D plans every Fall from 15 October through 7 December.

CRITICAL: If you don't enroll in a Part D plan when you are first eligible, the Centers for Medicare and Medicaid ServicesThe Centers for Medicare & Medicaid Services (CMS) is the U.S. Federal agency that runs the Medicare, Medicaid, and Children’s Health Insurance Programs. will penalize you with additional fees when you want to join a plan later on. You may not have regular prescriptions now, but it pays to join a basic plan as soon as you can to avoid the penalty later.

Still have questions about Medicare Supplement Insurance in West Virginia?

If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments., these articles may help:

  • What are the Different Medicare Supplement Plans?
  • What is the Best Medicare Supplement Plan for 2021
  • Can you get a Medicare Supplement if you are on disability?
  • When can I change my Medicare supplemental insurance plan?
  • Are there any free Medicare Supplement plans?
  • How to Pick the Best Medicare Supplement Plan

Top Questions About Medicare Supplement Plans in West Virginia

We get a lot of great questions regarding Medigap plans in West Virginia. Here are the most common questions we answer.

A West Virginia Medigap Plan Does Not Cover Dental

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone West Virginia dental insurance policy.

How expensive are Medicare Supplements in West Virginia?

It's different for everyone who applies. Monthly premiums on West Virginia Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.

Who has the best Medigap plan in West Virginia?

You have many options in West Virginia. Here are some of the best:

  1. Thrivent
  2. AARP
  3. Globe Life
  4. Transamerica
  5. Highmark Blue Cross Blue Shield
See the complete list here.

When should I apply for a Medigap plan in West Virginia?

Your Individual Enrollment Period (IEP) is the ideal time to get a Medicare Supplement. Your IEP starts on your Medicare Part B effective date and ends six months later. So, if your Part B coverage begins June 1st, your IEP goes from June 1st to November 30th. these West Virginia carriers can help you get enrolled. FYI, there is no open enrollmentIn health insurance, open enrollment is a period during which a person may enroll in or change their selection of health plan benefits. Health plan enrollment is ordinarily subject to restrictions. period with Medigap plans. You can apply anytime.

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] The sample premium is for a 65-year-old, non-smoking, woman living in West Virginia. The rate was accurate on the 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 MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. reviews on our Medigap Plan pages.

Citations & References

medicare.gov
  • Medicare.gov: the official U.S. government site for Medicare | Medicare https://www.medicare.gov/
  • Medicare costs at a glance | Medicare https://www.medicare.gov/your-medicare-costs/medicare-costs-at-a-glance
  • Find a Medigap policy that works for you https://www.medicare.gov/find-a-plan/questions/medigap-home.aspx
  • Drug coverage (Part D) | Medicare http://www.medicare.gov/part-d/index.html
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on April 10, 2022.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.