Shopping for the best West Virginia Medicare Supplement plans can get overwhelming. Don’t stress. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for West Virginia Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in West Virginia
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Aetna, Mutual of Omaha or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in West Virginia
How much will you pay for your West Virginia Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can West Virginia residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station. However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code. If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare West Virginia Medicare Supplements
It is important to know that even though the coverage for West Virginia Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing West Virginia Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
West Virginia Medigap Benefits
Plan G benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same West Virginia Medicare Supplement Insurance Coverage.
Outline Of Coverage
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, 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.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help West Virginia Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer West Virginia Medigap coverage.
Be an informed buyer and comparison shop your West Virginia Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
West Virginia Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in West Virginia that I serve. Click here if you’re looking for other Medicare Supplement states.
Addison (Webster Springs) Albright Alderson Alum Creek Amherstdale-Robinette Anawalt Anmoore Ansted Athens Auburn Bancroft Barboursville village Barrackville Bath (Berkeley Springs) Bayard Beaver Beckley Beech Bottom village Belington Belle Belmont Benwood Bethany Bethlehem village Beverly Blacksville Blennerhassett Bluefield Boaz Bolivar Bradley Bradshaw Bramwell Brandonville Bridgeport Brookhaven Bruceton Mills Buckhannon Buffalo Burnsville Cairo Camden-on-Gauley Cameron Capon Bridge Carpendale Cassville Cedar Grove Ceredo Chapmanville Charleston Charles Town Chattaroy Cheat Lake Chesapeake Chester Clarksburg Clay Clearview village Clendenin Coal City Coal Fork Corporation of Ranson Cowen Crab Orchard Craigsville Cross Lanes Culloden Daniels Danville Davis Davy Delbarton Despard Dunbar Durbin East Bank Eleanor Elizabeth Elk Garden Elkins Elkview Ellenboro Enterprise Fairlea Fairmont Fairview Falling Spring Farmington Fayetteville Flatwoods Flemington Follansbee Fort Ashby Fort Gay Franklin Friendly Gary Gassaway Gauley Bridge Gilbert Gilbert Creek Glasgow Glen Dale Glenville Grafton Grantsville Grant Town Granville Hambleton Hamlin Handley Harman Harpers Ferry Harrisville Hartford City Harts Hedgesville Henderson Hendricks Hillsboro Hinton Holden Hooverson Heights Hundred Huntington Hurricane Huttonsville Iaeger Inwood Jane Lew Jefferson Junior Kenova Kermit Keyser Keystone Kimball Kingwood Leon Lester Lewisburg Littleton Logan Lost Creek Lubeck Lumberport Mabscott MacArthur McMechen Madison Mallory Man Mannington Marlinton Marmet Martinsburg Mason Masontown Matewan Matoaka Meadow Bridge Middlebourne Mill Creek Milton Mineralwells Mitchell Heights Monongah Montcalm Montgomery Montrose Moorefield Morgantown Moundsville Mount Gay-Shamrock Mount Hope Mullens Newburg New Cumberland Newell New Haven New Martinsville Nitro Northfork North Hills Nutter Fort Oak Hill Oakvale Oceana Paden City Parkersburg Parsons Paw Paw Pax Pea Ridge Pennsboro Petersburg Peterstown Philippi Piedmont Pinch Pine Grove Pineville Piney View Pleasant Valley Poca Point Pleasant Powellton Pratt Princeton Prosperity Pullman Quinwood Rainelle Ravenswood Red Jacket Reedsville Reedy Rhodell Richwood Ridgeley Ripley Rivesville Romney Ronceverte Rowlesburg Rupert St. Albans St. Marys Salem Sand Fork Shady Spring Shepherdstown Shinnston Sissonville Sistersville Smithers Smithfield Sophia South Charleston Spencer Stanaford Star City Stonewood Summersville Sutton Switzer Sylvester Teays Valley Terra Alta Thomas Thurmond Tornado Triadelphia Tunnelton Union Valley Grove village Vienna War Wardensville Washington Wayne Weirton Welch Wellsburg West Hamlin West Liberty West Logan West Milford Weston Westover West Union Wheeling Whitehall White Sulphur Springs Whitesville Wiley Ford Williamson Williamstown Windsor Heights village Winfield Womelsdorf (Coalton) Worthington