Best Medicare Supplement Plans in West Virginia (2026)

Find the best Medicare Supplement plans in West Virginia. Review coverage details, pricing, and insurer choices to find the policy that fits your needs.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 16, 2026

Advertising & Editorial Disclosure

Key Takeaways

Government Personnel Mutual has the most affordable Plan G and Plan N Medicare Supplement plans in West Virginia, while MedMutual Protect has the cheapest Plan F coverage.

West Virginia Medicare Supplement premiums run $35 to $414 per month, depending on the plan you choose.

When shopping for Medigap plans, get quotes from several insurers to compare pricing and understand how costs can vary for the same Medigap plan. Reviewing each plan’s availability, restrictions and included benefits helps ensure you choose coverage that fits your healthcare needs and budget.

Best Medicare Supplement Plans in West Virginia

Choosing the best Medicare Supplement plan in West Virginia comes down to balancing monthly premiums with long-term pricing stability. Our analysis highlights the insurers offering the lowest rates across popular Medigap plans, while also showing how age, plan type, and pricing style can influence what you’ll pay over time.

Government Personnel Mutual offers West Virginia's best Medicare Supplement rates for the popular Plan G ($132 monthly) and Plan N ($97 monthly). MedMutual Protect has the cheapest Plan F at $162 monthly. Ultimately, the best option for you depends on your age, the level of coverage you want, and whether you prefer attained-age or issue-age pricing.


USAA	A	$100	$90	Attained Age Pricing
Aetna	B	$145	$102	Attained Age Pricing
Globe Life	C	$192	$69	Attained Age Pricing
THP Ins. Co	D	$140	$28	Attained Age Pricing
MedMutual Protect	F	$162	$139	Attained Age Pricing
Government Personnel Mutual	G	$132	$113	Attained Age Pricing
Transamerica	K	$75	$32	Issue Age Pricing
Transamerica	L	$121	$36	Issue Age Pricing
Transamerica	M	$149	$0	Issue Age Pricing
Government Personnel Mutual	N	$97	$97	Attained Age Pricing

*Prices are for 65-year-olds.

Government Personnel Mutual

MoneyGeek Rating

4.3/ 5

4.6/5Affordability

4.1/5Pricing Style

3.7/5Plan Availability

Average Plan G Rate
$132
Plan Types
A, F, G, N

pros
- Best Plan G rates in West Virginia ($132 a month)
- Best Plan N rates ($97 a month)
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
- No high-deductible options
Government Personnel Mutual offers West Virginia's cheapest rates for Plan G and Plan N: the two most popular Medicare Supplement options. Monthly premiums range from $97 to $162 across four plan types (A, F, G and N). The company uses Attained Age pricing, so your rates increase with age. But you'll save $97 to $113 monthly compared to state averages for Plans G and N.

MedMutual

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$141
Plan Types
A, D, F, G, N

pros
- Best Plan F rates ($162 a month)
- Five plan types including popular options (G, F, N)
cons
- Attained Age Pricing means premiums increase with age
- No high-deductible Plan F option
- Doesn't offer cost-sharing plans (K or L)
MedMutual Protect brings national backing to West Virginia’s Medicare Supplement market, offering five Medigap plans, including A, D, F, G and N. Monthly premiums for new enrollees range from $49 to $255, with Plan F priced at an average of $162 per month, or $139 below the state average.

Premiums follow an attained-age pricing structure, so costs increase as policyholders get older. An AM Best financial strength rating of A (Excellent) supports the company’s ability to meet long-term Medicare Supplement obligations.

USAA

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$141
Plan Types
A, F, G, N

pros
- Best Plan A rates in West Virginia ($100 a month)
- Additional benefits for military members
- Strong financial stability and ratings
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
USAA offers West Virginia's cheapest Plan A at $100 monthly, $90 below the state average. West Virginia residents can pick from four Medigap plans (A, F, G, and N), with monthly premiums from $100 to $262.

These plans cover the most popular options, but six of the ten standard plan types aren't available. USAA doesn't offer high-deductible plans either. USAA uses attained-age pricing for its Medicare Supplement policies. Your premiums increase with age as health care needs grow.

USAA's main advantage is the extra value it gives eligible military members and their families through member perks and discounts. An AM Best financial strength rating of A++ (Superior) shows USAA's exceptional stability and reliability in meeting future claims obligations.

Aetna Medicare

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Plan Availability

Average Plan G Rate
$223
Plan Types
A, B, F, G, N

pros
- Best Plan B rates in West Virginia ($145 a month)
- Wide range of plan options available
- A+ financial strength rating from AM Best
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
Aetna ranks first for Plan B in West Virginia at $145 monthly, saving seniors $102 compared to the state average. It offers five plan types, including A, B, F, G and N, with premiums ranging from $60 to $330 per month across its coverage options. A high-deductible Plan F option is available at $60 per month, but no high-deductible Plan G is offered.

The company uses attained-age pricing, which means premiums increase as you age to reflect rising health care costs. Its biggest advantage lies in its wide range of wellness programs and resources for seniors, adding value beyond basic Medicare Supplement coverage.

This combination of national reach and senior-focused benefits makes Aetna a strong choice for those seeking reliable Medigap coverage with added health and wellness support.

Globe Life

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Availability

Average Plan G Rate
$194
Plan Types
A, B, C, F, G, N

pros
- Best Plan C rates in West Virginia ($192 a month)
- Six plan types including popular options G, F, and N
- High-deductible Plan F and G available
cons
- Attained Age Pricing means your premiums increase with age
- No cost-sharing plans (K or L)
Globe Life has more than 70 years of insurance experience, delivering life and health insurance products since 1951. The company's straightforward approach shows in its competitive pricing, particularly for Plan C at just $192 monthly, saving West Virginia seniors $69 compared to state averages. Globe Life offers six plan types including A, B, C, F, G and N, with premiums ranging from $35 to $319 per month for 65-year-olds.

One unique advantage is the company's simplified application process, which often doesn't require medical underwriting for certain plans, making enrollment easier. Globe Life also boasts an AM Best rating of A (Excellent), indicating strong financial stability that provides confidence in the company's ability to pay future claims.

The Health Plan

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Availability

Average Plan G Rate
$140
Plan Types
A, C, D, F, G, N

pros
- Best Plan D rates in West Virginia ($140 a month)
- Six plan types including less common but valuable options (C, D)
- High-deductible Plan F and G available
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
THP is the best West Virginia Medicare Supplement provider for Plan D at just $140 monthly, saving you $28 versus state averages for the plan type. THP offers six plan types including A, C, D, F, G and N, with premiums ranging from $70 to $321 per month depending on coverage level and age. For budget-conscious seniors, high-deductible Plans F and G are also available.

Transamerica

MoneyGeek Rating

4.6/ 5

4.9/5Affordability

4.3/5Pricing Style

4.2/5Availability

Average Plan G Rate
$183
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best rates for cost-sharing Plans K ($75 a month) and L ($121 a month)
- Best Plan M rates ($149 a month)
- All standard plan types available
cons
- No high-deductible plans
Transamerica offers a full lineup of Medicare Supplement plans in West Virginia, drawing on more than a century of insurance experience. It sells all 10 standardized Medigap options, from Plan A through Plan N, and focuses on cost-sharing plans rather than high-deductible designs. Plan K costs $75 per month, which is $32 below the state average, while Plan L runs $121 monthly and saves seniors $36.

Premiums follow an issue-age pricing model, so rates depend on your age at enrollment and do not increase over time due to aging. The company also provides access to supplemental health programs that support policyholders beyond basic coverage. An AM Best financial strength rating of A (Excellent) supports its ability to meet long-term Medicare Supplement obligations.

Best Medicare Supplement Plan G in West Virginia

For seniors seeking affordable Plan G coverage in West Virginia, Government Personnel Mutual stands out with the lowest monthly premium of $132. Other insurers like THP Insurance Company and MedMutual Protect also offer competitive pricing, giving residents several strong options to balance cost and coverage.


Government Personnel Mutual	$132	$113	$1,584	$1,362
THP Ins. Co	$140	$105	$1,680	$1,266
MedMutual Protect	$141	$104	$1,692	$1,254
USAA	$141	$104	$1,692	$1,254
Philadelphia American	$147	$98	$1,764	$1,182
LifeShield National	$148	$97	$1,776	$1,170
WoodmenLife	$156	$89	$1,872	$1,074

Best Medicare Supplement Plan F in West Virginia

In West Virginia, Plan F costs $162 to $198 monthly based on pricing style and deductible options. MedMutual Protect offers the cheapest Plan F at $162 monthly, while Government Personnel Mutual ($162 monthly) and LifeShield National ($181 monthly) also provide competitive rates, saving residents hundreds each year.


MedMutual Protect	$162	$139	$1,944	$1,668
Government Personnel Mutual	$162	$139	$1,944	$1,668
LifeShield National	$181	$120	$2,172	$1,440
USAA	$189	$112	$2,268	$1,344
AFLAC	$190	$111	$2,280	$1,332
WoodmenLife	$193	$108	$2,316	$1,296
American Benefit	$198	$103	$2,376	$1,236

Best Medicare Supplement Plan N in West Virginia

Plan N costs from $97 to $113 per month in West Virginia, with Government Personnel Mutual boasting the cheapest Plan N at $97 monthly, saving West Virginia residents $1,164 annually. MedMutual Protect ($99 monthly) and USAA ($109 monthly) also have competitive rates.


Government Personnel Mutual	$97	$97	$1,164	$1,164
MedMutual Protect	$99	$95	$1,188	$1,140
USAA	$109	$85	$1,308	$1,020
SilverScript	$110	$84	$1,320	$1,008
LifeShield National	$110	$84	$1,320	$1,008
AFLAC	$110	$84	$1,320	$1,008
WoodmenLife	$113	$81	$1,356	$972

Personalized West Virginia Medicare Supplement Plan Recommendations

Finding the best West Virginia Medicare Supplement plan that fits your needs starts with understanding how age, health coverage preferences, and plan type affect your monthly premiums and out-of-pocket costs.

Use the filterable table below to compare rates across available plans in the state. You can sort by plan type, age and high-deductible options to see which options are best suited to your situation.

Data filtered by:


USAA	A	No	65	$100	$0	Attained Age Pricing
Globe Life	A	No	65	$109	$0	Attained Age Pricing
Government Personnel Mutual	A	No	65	$122	$0	Attained Age Pricing
Mutual of Omaha	A	No	65	$131	$0	Attained Age Pricing
SilverScript	A	No	65	$134	$0	Attained Age Pricing
State Farm	A	No	65	$136	$0	Attained Age Pricing
THP Ins. Co	A	No	65	$141	$0	Attained Age Pricing
United American	A	No	65	$144	$0	Attained Age Pricing
MedMutual Protect	A	No	65	$144	$0	Attained Age Pricing
Aetna	A	No	65	$145	$0	Attained Age Pricing

Medicare Supplement Plan Cost in West Virginia

In West Virginia, 65-year-olds pay $202 a month on average for Medicare Supplement insurance. Prices run $107 to $301 across 10 standardized plan letters, with Plan K the cheapest and Plan F the priciest. Plan G, Plan F and Plan N together average $245, $301 and $194 monthly. So you’ll pay based on the provider, your age and its pricing style.


A	$190	$2,280
B	$247	$2,964
C	$261	$3,132
D	$168	$2,016
F	$301	$3,612
G	$245	$2,940
K	$107	$1,284
L	$157	$1,884
M	$149	$1,788
N	$194	$2,328

How to Choose the Best Medicare Supplement Plan

With your plan type chosen, the company you pick in West Virginia can shape what you'll pay and how smoothly claims get handled. Compare Medicare Supplement insurers by evaluating customer service, pricing, and additional benefits.

1
Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
2
Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
3
Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
4
Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
5
Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
6
Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.

West Virginia Medicare Resources

For West Virginia residents who need assistance selecting Medicare coverage or understanding your options, multiple resources are available at no cost.

West Virginia SHIP: West Virginia's State Health Insurance Assistance Program offers free Medicare counseling through trained professionals at the Bureau of Senior Services. Call the statewide toll-free line at (877) 987-4463 to speak with counselors located in all 55 counties. SHIP serves beneficiaries through county aging providers and West Virginia's four Aging and Disability Resource Centers. Counselors provide educational workshops for consumer and professional groups.
West Virginia Offices of the Insurance Commissioner - Consumer Services: File complaints about claim denials, underpayments or network concerns. Insurance specialists handle each complaint and contact insurers, who must respond within 15 working days. Call (888) 879-9842 or mail complaints to P.O. Box 50540, Charleston, WV 25305-0540. Fax available at (304) 558-4965.
West Virginia Bureau of Senior Services: Partners with 140 local organizations to coordinate senior programs statewide. The four Area Agencies on Aging administer federal and state funds across distinct regions: Northwestern (16 counties), Metro (11 counties), Eastern Panhandle (8 counties) and Appalachian (13 counties). Services include nutrition programs, transportation and in-home care through county aging providers.
Medicare.gov: Search for Medigap policies by ZIP code. West Virginia follows standardized Medigap plan designs.

Medicare Supplement Plans in West Virginia: FAQ

Below are answers to common questions about Medigap coverage in West Virginia.

When is Medicare Supplement open enrollment in West Virginia?

Medicare Supplement open enrollment in West Virginia begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.

What are the most popular Medicare Supplement plans?

Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.

Do you have to renew Medigap plans every year?

No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.

What's the difference between Medicare Supplement and Medicare Advantage?

Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.

Our Methodology

MoneyGeek collected West Virginia Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.

We scored West Virginia Medigap companies across three categories to create a weighted score out of 5:

Affordability (50%): Lower monthly premiums earn higher scores.
Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Medicare Supplement Plans in West Virginia (2026)

Best Medicare Supplement Plans in West Virginia

Best Medicare Supplement Plan G in West Virginia

Best Medicare Supplement Plan F in West Virginia

Best Medicare Supplement Plan N in West Virginia

Personalized West Virginia Medicare Supplement Plan Recommendations

Medicare Supplement Plan Cost in West Virginia

How to Choose the Best Medicare Supplement Plan

West Virginia Medicare Resources

Medicare Supplement Plans in West Virginia: FAQ

When is Medicare Supplement open enrollment in West Virginia?

What are the most popular Medicare Supplement plans?

Do you have to renew Medigap plans every year?

What's the difference between Medicare Supplement and Medicare Advantage?

Our Methodology

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