West Virginia Medigap Plans: Rules and Options

West Virginia Medigap Plans, also known as Medicare Supplement (AKA Med Supp or MedSup) Insurance policies, are offered by private companies to bridge the gaps in Original Medicare coverage. While Original Medicare covers a significant portion of healthcare expenses, it doesn’t cover all costs, including copayments, coinsurance, and deductibles. MedSup policies step in to help cover these out-of-pocket expenses. In WV, MedSup here works similarly to those standardized Medigap plans available in most states.

WV MedSup Basics

If you’re new to Medigap or considering a new plan in West Virginia, here are some essential tips to remember:

• With Original Medicare and a Medigap policy, Medicare covers its share of approved health care costs before your Medigap policy takes effect.
• West Virginia Medigap policies fill in the gaps for expenses where Medicare only pays part of the cost. Some go beyond Original Medicare’s coverage, covering expenses like emergency foreign travel.
• MedSup won’t cover costs associated with other health plans, including Medicare Advantage, standalone drug plans or employer/group health coverage.
• Medigap policies differ from Medicare Advantage Plans since Medigap has no unique network of doctors. Any doctor who accepts Medicare must accept Medigap.
• Insurance companies usually can’t sell you a Medigap policy if you’re enrolled in a Medicare Advantage Plan or Medicaid.
• Medigap policies in West VA must follow the same standardized format labeled with letters (Plans A-N), as are offered in most states.

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Comparing West Virginia Medigap Plans

Plans available for those Medicare-eligible after January 1, 2020:

*Medigap Plan G High deductible ($2,870) is also available.

Note that Plans C and F are no longer available to people who are new to Medicare on or after January 1, 2020. However, if you were eligible for Medicare before January 1, 2020, but not yet enrolled, you may be able to buy Plan C or Plan F. (Source)

When to enroll in a West Virginia Medigap Plan

In West Virginia, like many states, there’s a Medigap Open Enrollment Period (OEP). OEP is a one-time, six-month enrollment period.  Sometimes it is referred to as your Initial Enrolment Period. 

During this OEP:

• You can buy a Medicare supplement policy, and insurers must accept you, no matter your health.
• Premiums can’t increase based on your medical history.

Remember, “Open Enrollment” isn’t an annual event; it’s usually a one-time opportunity when you first qualify for Medicare in West Virginia. If you miss OEP, you can still enroll in a MedSup plan, but you may have to answer health questions before you are approved. Learn more about your Medigap enrollment options by clicking on this link.

Most Popular Plan in West Virginia State

According to the most recent data provided by America’s Health Insurance Plans (AHIP), over 85,000 West Virginia residents have chosen a MedSup policy. While Plan F used to be the most popular Med Supp plan, but is no longer available to those new to Medicare after Jan 1, 2020. Consequently, Plan G now is the most popular Medigap plan.  Plan G has 33,000 West Virginians enrolled. Curious about West Virginia Medigap Plan G? Tap here for an in-depth look at its costs and key advantages.

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Switching Medigap Plans in West Virginia

Choosing the wrong Medicare insurance plan is easier than you think. And what worked before might not work anymore! The AEP Open Enrollment from October 15 to December 7 doesn’t apply to Medigap in your state. While you can switch your Medigap plan anytime, the medical underwriting process can be complex. Expect about 20 health questions on the Med Supp application, affecting your rate and approval based on responses. Certain conditions could result in denial. You will find answers to your questions about how to switch MedSupp plans in our article “The Complete Guide to Medicare Insurance Changes”.

Also, our team of experts at Senior65.com can simplify this process and help you find the best plan for you. Call us at 800-930-7956 and get the guidance you need!

Medicare Excess Charges in West Virginia

If your doctor doesn’t agree to take Medicare’s payment, they can charge you more. It’s called a ‘Part B excess charge’ and they’re only allowed to charge 15% extra. The good news is that many Medigap plans, Including Plan G, will pay these Excess Charges for you. Learn what they are and how to steer clear of them in our article: “How To Avoid Medicare Excess Charges“.

West Virginia Medigap Discounts

While Medigap benefits are standardized, insurance providers are allowed to set their own monthly premiums. Some companies offer “Household Discounts” or “HH Discounts.” These typically reduce your monthly Medicare Supplement premium when two residents from the same address are enrolled with the same Medigap insurer. Note that household discounts may not appear automatically in our Medigap quoting system. Be sure to click “show household discount” on the results page.

The Medigap Roommate Discount is a great option with very few requirements. Check out our article, “What is the Medigap Roommate Discount and How Do You Qualify?”

Medigap providers can also give discounts if you set up autopay for your monthly premiums. Learn everything about Medigap discounts and special offers right here.

What now, Mountaineers?

The next step is to find out how much Medigap costs in your county. Get a quick West Virginia Medigap quote here online.

Our Senior65.com team provides our services without any charges or fees!  If you have any questions, please give us a call at 800-930-7956.