Best Medicare Supplement Plans in West Virginia
There are twelve Medicare Supplement plans in West Virginia to choose from. Medicare Supplement plans help cover expenses that Original Medicare doesn't cover.
- Of the twelve plan choices, Mutual of Omaha offers the best Medicare Supplement Plan G rates in West Virginia, coming in at $113 per month for the most comprehensive coverage.
- Mutual of Omaha also offers the best Medicare Supplement Plan N which is a great value plan with a monthly rate of $82 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 $43 per month. You must pay a $2,700 annual deductible before the plan starts covering costs.
Below are highlighted features and benefits of each plan.
Mutual of Omaha Medicare Supplement Plan G
Mutual of Omaha 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 Mutual of Omaha 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: $113
*Quotes for a 65 year old non smoking female, in zip code 26554.
Mutual of Omaha Medicare Supplement Plan N
With premiums far lower than Medicare Plan F and G, Mutual of Omaha 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: $82
*Quotes for a 65 year old non smoking female, in zip code 26554.
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
*Quotes for a 65 year old non smoking female, in zip code 26554.
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: $135
*Quotes for a 65 year old non smoking female, in zip code 26554.
What's the Best Medicare Supplement Company in West Virginia?
Based on our review of several key factors, Mutual of Omaha is the best Medicare Supplement company in West Virginia.
While Mutual of Omaha Medigap plans tend to be more affordable in West Virginia, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Mutual of Omaha remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Mutual of Omaha that are also available in West Virginia, including sample premiums, ratings, and market share:
Cigna
Market share: 3.34%
Plan G cost: $117
Plan N cost: $86
Financial strength: A
Mutual of Omaha
Market share: 16.67%
Plan G cost: $113
Plan N cost: $82
Financial strength: A+
Aetna
Market share: 14.02%
Plan G cost: $127
Plan N cost: $89
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does Medicare Supplement Insurance Cost in West Virginia?
The best price for Medicare Supplement Plan G in West Virginia is $113 per month with Mutual of Omaha.
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
$135
$113
$82
$43
$110
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.
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 some of the nation's top-rated Medigap carriers. So give us a call today, 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.
FAQ
West Virginia beneficiaries can technically change Medigap policies at any time but should keep the following in mind. Suppose you try to enroll in a Medicare Supplement Plan outside the open enrollment period and are not eligible for guaranteed issue rights. In that case, the insurance company may deny your coverage or charge you higher premiums based on your health.
Denial for a Medicare Supplement insurance plan in West Virginia is possible when beneficiaries apply outside their open enrollment period without guaranteed issue rights.
Cigna and Mutual of Omaha are the top Medicare Supplement providers in West Virginia. These companies offer unbeatable protection for Medicare beneficiaries with industry-leading customer service and comprehensive coverage.
Average premiums range from $43 - $245 per month and can go even higher depending on factors like age, gender, tobacco history, and location.
Medicare Plan G in West Virginia costs between $113 and $140 monthly. Premiums may be lower or higher than this range based on each individual's situation.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, 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).
Article Resources:
- Mutual of Omaha Medicare Supplement Plans
- Cigna Medicare Supplement Plans
- How Much Does a Medigap Plan Cost?
- When Can I Apply for a Medicare Supplement Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- West Virginia State Health Insurance Assistance Program
- West Virginia Medicare Premium Assistance Programs
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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