Trying to determine the best Medicare Supplement rates for West Virginia (WV) can seem quite daunting when surfing the internet.
Great news! After you read this article, you’ll have a clear understanding of the available Medicare Supplement plans and their costs.
We have compiled the best Medicare Supplement rates in West Virginia for different parts of the state.
If there is a particular area that you live in that is not referenced in this article, please feel free to click on any of the buttons throughout the article that will allow you to get a FREE, No-Obligation quote from our company. If you are interested in rates for other states, we have a great article about Medicare Supplement Plans by State, also.
Medigap Plan F, Plan G, and Plan N
The three most popular Medicare Supplement plans in West Virginia are Plan F, Plan G, and Plan N.
Generally one of these three plans will fit a person’s needs and budget, but if none do, you may want to consider finding out about a Medicare Advantage plan and whether or not it would be suitable for your health insurance needs.
Before discussing pricing, note that those joining Medicare after January 1, 2020, cannot purchase Plan F. If you pay close attention to the chart below, you will see the only difference between the Plan F and Plan G is that the Plan G does not pay for the annual Medicare Part B deductible.
With Plan G, you will be responsible for the annual Part B deductible which is currently $240 for 2024.
For lower monthly premiums, consider purchasing Plan N. The benefits on Plan N do not cover excess charges like Plans F and G. A small co-pay applies when visiting a doctor or hospital emergency room to help reduce costs.
| BENEFITS | PLAN N | PLAN G | PLAN F |
| Part A Hospital Deductible and Co-Payments | Yes | Yes | Yes |
| 365 Hospital Reserve Days | Yes | Yes | Yes |
| Hospice Co-insurance/Co-pays | Yes | Yes | Yes |
| Skilled Nursing Facility Co-payment | Yes | Yes | Yes |
| Part A Deductible | Yes | Yes | Yes |
| Part B Deductible | No | No | Yes |
| Part B Co-insurance | Yes | Yes | Yes |
| Part B Excess Charges | No | Yes | Yes |
| Blood Benefit | Yes | Yes | Yes |
| Foreign Travel Benefit | Yes | Yes | Yes |
Best Rates for Medicare Supplement Plans in West Virginia (WV)
It is important to keep in mind that the state of West Virginia does not allow what is called area factoring. Insurance carriers use area factoring to charge higher rates in zip code areas where Medicare pays out the most claims.
Unlike Virginia, West Virginia residents don’t face higher rates based on their zip code.
West Virginia Sample Medicare Supplement Rates for Plan F, Plan G and Plan N. Quotes below are for both Male and Female, that are 65 years old and do NOT use tobacco. We do not include household discounts in the rates shown below, and we round them to the nearest dollar.
| STATE OF WEST VIRGINIA | MALE | FEMALE | |||||
| CITY | ZIP CODE | PLAN F | PLAN G | PLAN N | PLAN F | PLAN G | PLAN N |
| Wheeling | 26003 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Morgantown | 26501 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Martinsburg | 25401 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Parkersburg | 26101 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Buckhannon | 26201 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Franklin | 26807 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Huntington | 25701 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Charleston | 25301 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Matewan | 25678 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Beckley | 25801 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Union | 24983 | $138.00 | $117.00 | $86.00 | $123.00 | $102.00 | $75.00 |
| Keyser | 26726 | $138.00 | |||||
| Charles Town | 25414 | $138.00 | |||||
It is important to note that the rates for Plan F are for illustration purposes only. People aged 65 or older who obtained Medicare after January 1, 2020, cannot purchase Plan F.
Do You Need Dental, Vision, and Hearing Coverage?
While seeking the best Medicare Supplement rates in West Virginia, be sure to consider other essential insurance products. Traditional Medicare and Medicare Supplements will typically not cover routine needs for these services. To properly protect yourself your best option is to enroll in a stand-alone dental, vision, and hearing plan. This will allow you to have coverage for anything from routine (cleanings, x-rays, etc) to major (crowns, inlays, oral surgery, and more). Find out more about these plans here.
Take Action To Start Enjoying the Best Medicare Supplement Rates for West Virginia!
Senior Benefit Services, Inc. will be able to help guide you in your search for the best rates for Medicare Supplement plans in West Virginia but one that covers all your needs. Many factors influence your plan choice; let us simplify the process for you.
Call now at 1-800-924-4727 or fill out the easy and convenient ‘Get Your FREE Medicare Supplement Quote’ form below.
