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Medicare Supplement Plans in West Virginia

Medicare Supplement Insurance (also called Medigap) helps senior and disabled West Virginia residents pay for certain Medicare copayments, deductibles, and other costs. Currently, insurance companies can offer state residents up to 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Facts About Medicare Supplement Plans in West Virginia:

WV Medigap Enrollment Statistics

According to AHIP, 27.7 percent of Medicare beneficiaries in West Virginia were also enrolled in a Medigap plan in 2015. Certain Medicare Supplement plans sold in West Virginia are more popular than others.

The chart below shows which plans were most popular in West Virginia in 2015, according to AHIP.

Popularity Ranking

Plan

Total Enrolled in 2015

1

F

51,482

2

N

11,600

3

G

6,572

4

C

5,281

5

B

1,149

6

A

1,002

7

D

444

8

K

384

9

L

327

10

M

0

 

Old plans*

5,010

 

Pre-standardized**

1,860

*Plans no longer available for purchase, including Plans E, H, I, and J.**Pre-standardized plans are policies sold before July 1992.

Medicare Supplement Insurance Pricing Methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods:

  • Attained-age rated: The premium increases as you age
  • Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age
  • Community rated: The same premium is charged to all Medigap policyholders.The majority of Medigap policies issued in West Virginia are attained-age rated, according to the Kaiser Family Foundation (KFF).

Under-65 Enrollment Rules

Although Medicare Supplement Insurance is primarily for senior citizens, it’s also available to disabled people and those with end-stage renal disease (ESRD) in some states. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

According to the KFF, insurance companies selling Medigap plans in West Virginia do not have to offer any Medigap plans to under-65 Medicare beneficiaries. Medigap insurers in West Virginia are allowed to charge under-65 policyholders different premiums from their senior policyholders.

Learn More

To learn more about Medicare Supplement Insurance, read through our guides below.

Resource Center

What Is Medigap? | Medicare Supplement Insurance Definition

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Learn about Medicare Supplement Insurance Plan G benefits and how they compare to other Medigap plans.

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Medigap Plans Supplement Original Medicare Benefits

Medicare Supplement Insurance (Medigap) and Medicare Advantage serve two different purposes. Learn the differences in this guide.

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Understanding Medicare Supplement Insurance

If you are enrolled in Original Medicare, a Medicare Supplement Insurance (Medigap) plan could save you money. Learn how.

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Comparing Medicare Supplement Insurance Plans and Costs

Medicare Supplement Insurance plan costs will vary based on provider, location and your age. Learn more and compare free Medigap plan quotes.

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