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Medicare Supplement Plans West Virginia 2025 – Rates

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Russell Noga
by Russell Noga | Updated October 3rd, 2024

West VirginiaSeniors in West Virginia can save on their annual healthcare expenses by registering for Medicare Parts A (hospitalization) & B (medical) policies. Original Medicare pays for 80% of these healthcare costs, saving you a bundle each year.

However, there’s still 20% of the balance of these costs payable by you. A large medical bill could ruin your financial planning if you’re living on a fixed income.

There are ten Medigap plans, A, B, C, D, F, G, K, L, M, & N, that help you settle the remaining balance, with the average monthly premium across all providers and plans being $120 per month for a 65-year-old nonsmoking woman.

Plans F, G, & N are the most popular options. Plan providers may change their rate depending on your zip code.

This article examines the top insurers offering these Medigap plans and the best rates on each policy.

 

Use Us to Find the Best Medicare Supplement Plans in West Virginia

Call Us for the Best Rates in West VirginiaContact our team at 1-888-891-0229 for a free consultation and quote on Medigap policies.

We’re here to help you decide on the right Medigap plan for 2025 to suit your healthcare requirements.

Leave your contact details on our site, and we’ll have a Medigap expert call you back. Or use the tool on our site to get a free automated quote on any Medigap plan with the best rates in the Mountain State.

 

The Best Healthcare Insurers for Medicare Supplement Plans in West Virginia

Private insurers offer Medigap plans, and they all charge different rates. While the Federal government standardizes the benefits in Medigap plans, providers can choose their rates and the perks and benefits available with their policies.

Top-Rated Medigap Insurers West Virginia

Here are the top-rated Medigap insurers in West Virginia.

  • Aetna
  • Liberty Bankers
  • Assured Life
  • Atlantic Coast Life
  • Bankers Fidelity
  • Colonial Penn
  • Erie
  • Globe Life

Regarding Plans F, G, & N, Humana has the best deal on Plan G, Aetna is the best choice for Plan F, and Cigna offers the most affordable premium on Plan N.

  • Best Plan G – Humana
  • Best Plan F – Aetna
  • Best Plan N – Cigna

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The Best Provider for Medicare Supplement Plan G West Virginia – Humana

35 companies sell Plan G policies in West Virginia. The market average for Plan G providers is $146.50 per month.

 

Humana has the lowest average premium, charging $113.50 per month. Cigna is a close competitor, with monthly rates of $120.04. The most expensive option is Highmark, priced at $147.90 per month.

Here are the average rates from the top insurers in the state, based on a 65-year-old female nonsmoker.

  • Humana: $114
  • Cigna: $120
  • Aetna: $125
  • Highmark: $148

 

 

What Does Plan G Cover?

Plan G is fast becoming the most popular Medigap plan since the discontinuance of Plan F. The difference between Plans F & G is that Plan G doesn’t cover the Part B deductible.

However, you get lower premiums than Plan F.

  • Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
  • Part B coinsurance or copayments.
  • Blood (first 3 pints).
  • Part A hospice care coinsurance or copayments.
  • Skilled nursing facility care coinsurance.
  • Part A deductible.
  • Part B excess charges.
  • 80% of foreign travel exchange (up to plan limits).

 

The Best Provider for Medicare Supplement Plan F West Virginia 

35 insurers offer Plan F in West Virginia. The average market premium across all providers is $195.10 per month.

Aetna has the lowest monthly premiums at $125.20, and the most expensive provider is UnitedHealthcare, with average rates of $307.50 per month.

That means you get a $182.30 saving by going with Aetna over UHC. Aetna also offers the high-deductible plan F at $51.98 per month.

 

 

What Does Plan F Cover?

Plan F gives you comprehensive coverage for all Part A & B out-of-pocket costs. However, it’s no longer available to seniors eligible for Medicare after January 1, 2020.

  • Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
  • Part B coinsurance or copayments.
  • Blood (first 3 pints).
  • Part A hospice care coinsurance or copayments.
  • Skilled nursing facility care coinsurance.
  • Part A deductible.
  • Part B deductible.
  • Part B excess charges.
  • 80% of foreign travel exchange (up to plan limits).

 

The Best Provider for Medicare Supplement Plan N West Virginia – Cigna

36 providers offer Plan N in West Virginia.

The market average premium is $161.10 per month, and Cigna has the best deal, with monthly premiums averaging $87.80. Highmark is the most expensive option, with monthly premiums of $159.90.

Here are the average monthly premiums from the leading insurers, based on a 65-year-old nonsmoking female.

  • Cigna: $88
  • Aetna: $96
  • Humana: $149
  • Highmark: $160

 

What Does Plan N Cover?

Plan N offers healthy seniors good coverage in the event of medical emergencies. However, you’ll need to make a copayment of $20 at the doctor’s and $50 at the hospital unless admitted.

  • Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
  • Blood (first 3 pints).
  • Part A hospice care coinsurance or copayments.
  • Skilled nursing facility care coinsurance.
  • Part A deductible.
  • 80% of foreign travel exchange (up to plan limits).

Plan N doesn’t cover the Part B deductible or Part B excess charges. Excess charges are the fees above Medicare-approved rates when you see the doctor or specialist.

What Do Plans F, G, & N Not Cover?

Plans F, G, & N don’t cover non-related healthcare expenses not falling under hospitalization and medical treatments. So, you don’t have coverage for stays at non-skilled nursing facilities or private-duty nursing.

There’s no coverage for your prescriptions and no coverage for preventative care.

However, some providers offer coverage for dental, hearing, and vision services included as perks in your policy. They might offer a discounted rate or charge you a small premium to include them as options in your coverage.

West Virginia F, G, N

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What are the Alternate Medicare Supplement Plans in West Virginia?

There are other less comprehensive options for Medigap plans. The best providers are UnitedHealthcare for Plans A, K, & L, Aetna for Plan B, Humana for Plan C, and Highmark for Plan D.

Here are the average monthly premiums with these insurers for a 65-year-old nonsmoking woman.

  • Plan A – Allstate
  • Plan B – Aetna
  • Plan C – Humana
  • Plan D – Highmark
  • Plan K – Humana
  • Plan L – Humana

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Frequently Asked Questions

 

  What are Medicare Supplement Plans, and how do they work in West Virginia?

Medicare Supplement Plans, also known as Medigap, are private health insurance policies that help cover the “gaps” in Original Medicare (Part A and Part B) in West Virginia. They can help pay for out-of-pocket expenses such as deductibles, coinsurance, and copayments.

 

  Which Medicare Supplement Plans are the most popular in West Virginia for 2025?

The most popular Medicare Supplement Plans in West Virginia often include Plan F, Plan G, and Plan N. However, Plan F will no longer be available to new enrollees starting in 2020 due to regulatory changes.

 

  What is the key difference between Plan F and Plan G in West Virginia?

The main difference between Plan F and Plan G in West Virginia is that Plan F covers the Medicare Part B deductible, which Plan G does not. Both plans offer comprehensive coverage, but Plan G tends to have lower premiums, making it an attractive option for many beneficiaries.

 

  Are there any specific benefits unique to Medicare Supplement Plans in West Virginia for 2025?

Medicare Supplement Plans in West Virginia generally follow the standardized benefits set by the federal government. Therefore, the benefits will be consistent with other states. However, some insurers may offer additional perks or discounts, so it’s essential to compare plans carefully.

 

  Can I change my Medicare Supplement Plan in West Virginia during the 2025 enrollment period?

Yes, you have the option to change your Medicare Supplement Plan during certain enrollment periods in West Virginia. The Annual Enrollment Period (AEP) typically runs from October 15th to December 7th each year.

 

  How can I find the best Medicare Supplement Plan for my needs in West Virginia?

To find the best Medicare Supplement Plan for your needs in West Virginia, consider comparing plans from different insurance providers. You can also consult with a licensed insurance agent who specializes in Medicare to help you understand your options better.

 

  Are pre-existing conditions covered under Medicare Supplement Plans in West Virginia for 2025?

Yes, under federal law, Medicare Supplement Plans in West Virginia and other states must offer guaranteed issue rights during specific situations, ensuring that pre-existing conditions are covered without any waiting periods.

 

  Can I get prescription drug coverage with a Medicare Supplement Plan in West Virginia?

No, Medicare Supplement Plans do not include prescription drug coverage. If you want coverage for prescription drugs, you need to enroll in a separate Medicare Part D plan.

 

  Are there any financial assistance programs for Medicare beneficiaries in West Virginia?

Yes, there are several financial assistance programs for Medicare beneficiaries in West Virginia. Programs like Medicare Savings Programs and Extra Help (Low-Income Subsidy) can help lower-income individuals with their Medicare costs.

 

  How can I apply for a Medicare Supplement Plan in West Virginia for 2025?

To apply for a Medicare Supplement Plan in West Virginia, contact insurance companies directly or work with a licensed insurance agent. Remember to compare plans, benefits, and costs to choose the one that best fits your healthcare needs and budget.

Find the Right Medicare Plan for You

Finding the right Medicare plan with the best benefits for you doesn’t have to be confusing. Whether it’s a Medigap plan, or you have questions about Medicare Advantage or Medicare Part D, we can help.

Call us today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!

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