2022 Guide to Medicare Supplement Plans in West Virginia

In West Virginia, Medicare Supplement (Medigap) plans help many seniors with their medical costs. Medicare doesn’t pay for everything, and the peace of mind that comes with a Medigap policy can make retirement easier.

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We’re here to help explain what you need to know about Medicare Supplements in West Virginia. Also, we’ll provide insight on other supplemental insurance, such as Advantage plans and Part D drug plans.

Medicare Supplement Plans in West Virginia for 2021

West Virginia is like most states in that it offers 12 Medicare Supplement plans, letters A through N. These Medigap plans are standardized by the federal government, meaning that the benefits for each are the same across carriers. Yet, premiums for the same plan vary between carriers.

However, West Virginia is unique because it’s one of four states to give beneficiaries a guaranteed-issue situation if their employer-sponsored plan’s benefits become substantially reduced.

Medigap Premiums in West Virginia

In West Virginia, most carriers use the attained-age pricing method. The cost of Medicare Supplement Plan G for a 65-year-old woman in Charleston would start at $105.97 per month. Yet, a 75-year-old woman in the same ZIP Code would pay about $135.03 per month.

Many factors determine your Medigap rates. To get the most accurate Medigap quote, you’ll need to speak to an insurance agent. Outside of the Medigap Open Enrollment Period, Medicare beneficiaries usually need to go through underwriting. In some cases, that means you won’t qualify for a policy.

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Medigap for Disabled Under 65 in West Virginia

Unlike most states, West Virginia doesn’t require insurance companies to offer a Medigap policy to those under 65. However, a small number of carriers in the state do offer Medigap plans to disabled individuals under 65. Yet, if you obtain Medicare due to a disability and are under 65, an Advantage plan could be a better option for you since the cost of Medigap under 65 is so high.

Medicare Advantage Plans in West Virginia

Medicare Advantage in West Virginia

Medicare Advantage plans are available throughout West Virginia. The plans you can select from depend on your county. Medicare Advantage plans are different from Medigap plans in several ways.

First, they are often described as replacement plans because the insurance company pays your claims instead of Medicare.

These plans also involve networks, as they are usually PPOs and HMOs. But, they come with extra benefits such as dental, vision, and hearing coverage.

With premiums starting at $0 per month in West Virginia, an Advantage plan can be tempting. It’s essential to keep in mind that the policies with lower premiums also come with higher maximum out-of-pocket limits.

But, as with most things, there are pros and cons to Medicare Advantage plans. Before signing up for an Advantage plan, make sure your preferred doctors are in-network.

West Virginia Part D Prescription Drug Plans

Part D Plans in West Virginia

For those who don’t already have drug coverage through an employer or an Advantage plan, choosing a Part D plan should be a priority. If you delay enrolling in this coverage, you could incur a penalty for the life of your policy.

Part D premiums start at $7.30 per month in West Virginia. For this price, it makes sense to enroll, even if you don’t currently have any prescriptions. You never know when you’ll need coverage.

Keep in mind, though, that plans with lower premiums also tend to have higher annual deductibles. For example, the deductible for the cheapest plan is $445.00 per year, whereas the most expensive plan has a $0.00 annual deductible.

Be sure to check the plan’s formulary before enrolling to ensure that it covers medications you take regularly.

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Ancillary Options for Medicare in West Virginia

If you’re going with a Medigap plan, keep in mind that dental care isn’t part of the package. More than half of Americans who lack dental insurance skip necessary dental care. Avoid being part of this statistic by speaking to an agent about purchasing a dental insurance plan for seniors. They are available at affordable prices, as are vision and hearing policies.

Resources for Medicare Help in West Virginia

Those with lower incomes could benefit from the Medicare Savings Program. If you don’t qualify for the Medicare Savings Plan, you could still apply for Extra Help paying for Part D.

The CMS Newsroom has Medicare information relating to topics beneficiaries could find useful. Also, West Virginia’s SHIP resource can help by providing counseling. They can be a very helpful resource during the Annual Enrollment Period.


When can I buy Medigap in West Virginia?
You can buy a Medigap policy at any time if you have Part A and Part B. To avoid underwriting questions, sign up during your Medicare Supplement Open Enrollment Period or a Special Enrollment Period.
Do West Virginia Medigap plans have networks?
No, Medigap doesn’t involve networks in any state. To help manage costs, make sure your providers accept Medicare assignment.
How do I apply for Medicare in West Virginia?
The application process for Medicare is the same in every state. Sign up with Social Security online, on the phone, or at an office.
Can Medigap reject you in West Virginia?
If you go through underwriting, the carrier could deny coverage if you have health issues. Although, this only applies when you’re not in a Medicare Supplement Open Enrollment or Guaranteed-issue period.

How to Apply for Medicare in West Virginia

Medicare can be confusing. That's why we're here to help you through the process of finding the right plan for you! You don't need a local agent to help you find the best coverage available in your county.

Give us a call at the number above for rate comparison. Alternatively, you can fill out an online rate form for information about quotes from our top-rated carriers.

When you have an active policy with our company, we dedicate an entire team to cater to your needs. If you have a question, concern, claim, or appeal, our client care team is here for you. We care about your coverage now and in the future.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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