Best Medicare Supplement Plans in West Virginia

Written by: 
Matt Kiggins
Last updated: 
Feb 8, 2023

There are 12 Medicare Supplement plans in West Virginia, including two high-deductible plan options with low monthly premiums. Offered by private health insurance companies, Medigap policies are intended to cover the out-of-pocket costs produced by gaps in Original Medicare.

Of the 12 plan choices, Cigna offers the best Medicare Supplement Plan G rates in West Virginia, coming in at $138.00 per month.

We also found Medicare Supplement Plan N as the second best plan, also offered by Cigna, with a monthly rate of $87.00 per month.

And for those that want the lowest monthly cost, we found Mutual of Omaha offers the best High Deductible Plan G rates in West Virginia, with a monthly rate of $42.00 per month. There is a trade off for the lower monthly cost on HDG, you must pay a $2,700 annual deductible before the plan starts paying claims.

Each plan covers different expenses, and some are more comprehensive than others.

While all Medicare Supplement insurance plans are valuable to the proper beneficiaries, five stand out in value and comprehensive coverage. All beneficiaries should take the time to compare coverage and rates for each plan offered in their service area.

Here is a quick look at the best Medigap plans for 2023 in terms of coverage and costs.

Best Plan G:

Cigna Medicare Supplement Plan G

Cigna Plan G offers one of the most extensive coverage options for Medicare beneficiaries, with a wide range of out-of-pocket costs covered - excluding the deductible for Part B.


There are some clear benefits to selecting Cigna Plan G:

  • Comprehensive benefits include coverage for Part B excess charges, Medicare Part A deductible, and Part B coinsurance.
  • No referrals are required.
  • Freedom to see any medical provider willing to accept Original Medicare.

Monthly Plan Cost: $93.80

*Quotes for a 65 year old non smoking female, in zip code 26554.

Best Plan N:

Cigna Medicare Supplement Plan N

With premiums far lower than Medicare Plan F and G, Cigna Medicare Plan N provides numerous advantages.

These include, but are not limited to:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out of pocket expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Monthly Plan Cost: $68.63

*Quotes for a 65 year old non smoking female, in zip code 26554.

Best High Deductible Plan G:

Mutual of Omaha High-Deductible Plan G

  • Once the high deductible of $2,700 is met, this plan offers identical coverage to the standard Plan G. Additionally, it's far more cost-effective than traditional Medicare Supplement Plan G.

Monthly Plan Cost: $43.18

*Quotes for a 65 year old non smoking female, in zip code 26554.

Best Full Coverage

Cigna Medicare Supplement Plan F

  • If you are looking for the most inclusive coverage, then Cigna Plan F is your ideal option. This plan covers all Part A and B deductibles as well as coinsurances. However, keep in mind that to be eligible, enrollees must have signed up for Original Medicare before January 1st 2020.

Monthly Plan Cost: $108.07

*Quotes for a 65 year old non smoking female, in zip code 26554.

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How Much Does Medicare Supplement Insurance Cost in West Virginia?

The best price for Medicare Supplement Plan G in West Virginia is $138.00 per month with Cigna.

Pricing for Medicare Supplement plans is based on various personal factors, including age, gender, and tobacco usage. Zip code is also a factor in rates, and the Medicare Part B enrollment date may impact the plan options available to a beneficiary.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Monthly Cost

$147

$138

$87

$42

$107

Plan Popularity in WV

60%

45%

25%

15%

8%

Quotes are for sample purposes only. Prices are the average monthly rate in WV for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When can I apply for a Medicare Supplement plan?

Each beneficiary has a unique Medigap Open Enrollment Period with valuable guaranteed issue rights. This period occurs once in a lifetime and ensures that beneficiaries have access to the plan of their choice at the lowest rates available in their zip code.

The Medicare insurance company cannot raise rates due to a current health condition or pre-existing conditions as long as beneficiaries apply during their open enrollment period. In addition, medical underwriting isn't allowed, so beneficiaries with chronic health conditions can get the same rates as healthier applicants.

This period starts the month a beneficiary is at least 65 years old and enrolled in Medicare Part B. Applying outside of this period will allow the insurer to set rates using medical underwriting, and they have the right to deny coverage entirely. In addition, some beneficiaries may qualify for special enrollment periods with guaranteed issue rights after their open enrollment periods have passed.

Working with a licensed insurance agent familiar with Social Security and the Medicare program is the best way for beneficiaries to select the best insurance policy for their individual needs.

FAQ:

When can I change Medigap plans?

West Virginia beneficiaries can technically change Medigap policies at any time but should keep the following in mind:

  • Outside the open enrollment period, Medicare insurance companies can raise base rates on current and past medical conditions and other factors. That may mean a substantial increase in premiums from a policy secured during the open enrollment period.
  • Insurers can deny coverage to beneficiaries who apply without guaranteed issue rights.
  • Beneficiaries can switch Medigap plans during their six-month open enrollment period without penalty or risk of rate hikes and denial.
  • A one-month "free look" period allows beneficiaries to switch back to their previous Medigap policy if they don't like the new one. Beneficiaries must pay the premium for both policies for one month to reserve this right.
  • When switching to a policy that has benefits not offered by their old plan, insurers may have the right to make the beneficiary wait up to six months to access the new benefits. That wait may also apply to beneficiaries joining a new plan with pre-existing conditions.

The only ways to change Medigap plans without medical underwriting, wait times, and potential denial are to take advantage of the open enrollment period or qualify for a special enrollment period with guaranteed issue rights.

Can I be denied Medigap coverage?

Denial for a Medicare Supplement insurance plan in West Virginia is possible when beneficiaries apply outside their open enrollment period without guaranteed issue rights.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare. Give us a call or request a quote online to learn more about Aetna Medicare Supplement Plan G and Mutual of Omaha Medicare Supplement Plan G in your state. We educate you on the best Medicare plans for your situation, then let you decide.

Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

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Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

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