Medicare Supplement Plans in West Virginia
On this page we help consumers: Compare West Virginia Medicare supplemental insurance. See premiums, fees, and reviews on all WV Medigap plans, including Plan F, G, and N.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $128.98 | $109.36 | $91.51 |  | |
| Aetna | $141.03 | $104.54 | $78.64 |  | |
| American National | $108.38 | $86.17 | $74.73 | | |
| 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 | | |
Compare Plan RatesThe average West Virginia senior compares three or more quotes before making an enrollment decision. | |||||
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
Looking for a different plan? Compare all Medicare supplement plans here.
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):
| 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 | |
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):
| 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. | |||
West Virginia Medicare Supplement Plan N Comparison Chart
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. | |||
Best West Virginia Medigap Plan Reviews
We review all major Medigap insurance carriers selling 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 is 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.
How Much do West Virginia Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in West Virginia. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 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.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All West Virginia Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
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 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 Medicare Supplement 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 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.
Got questions about Medicare Supplement Insurance in West Virginia?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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 .