Best Medicare Supplement Plans in West Virginia (2026)

Updated: June 9, 2026

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Key Takeaways
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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.

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

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Request quotes from several insurers to compare pricing for the same Medigap plan. Rates for identical coverage vary by insurer, so reviewing each plan's availability, restrictions and included benefits helps identify the option that fits your health care needs and budget.

Best Medicare Supplement Plans in West Virginia

The best Medicare Supplement plan in West Virginia depends on balancing monthly premiums with long-term pricing stability. MoneyGeek's analysis identifies the insurers with the lowest rates across popular Medigap plans and shows how age, plan type and pricing method affect what you 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.

USAAA$100$90Attained Age Pricing
AetnaB$145$102Attained Age Pricing
Globe LifeC$192$69Attained Age Pricing
THP Ins. CoD$140$28Attained Age Pricing
MedMutual ProtectF$162$139Attained Age Pricing
Government Personnel Mutual G$132$113Attained Age Pricing
TransamericaK$75$32Issue Age Pricing
TransamericaL$121$36Issue Age Pricing
TransamericaM$149$0Issue Age Pricing
Government Personnel Mutual N$97$97Attained Age Pricing

*Prices are for 65-year-olds.

Government Personnel Mutual

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
MedMutual

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
USAA

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
Aetna Medicare

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
Globe Life

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
The Health Plan

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
Transamerica

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

Best Medicare Supplement Plan G in West Virginia

Government Personnel Mutual offers the lowest Plan G rate in West Virginia at $132 per month, per MoneyGeek's analysis. THP Insurance Company and MedMutual Protect also offer competitive Plan G pricing, giving West Virginia residents several options to compare on cost and coverage terms.

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

Plan F in West Virginia ranges from $162 to $198 per month, depending on pricing method and deductible options. MedMutual Protect and Government Personnel Mutual both offer the lowest rate at $162 per month, per MoneyGeek's analysis. LifeShield National averages $181 per month.

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 in West Virginia ranges from $97 to $113 per month. Government Personnel Mutual offers the lowest Plan N rate at $97 per month, $1,164 per year below the state average, per MoneyGeek's analysis. MedMutual Protect averages $99 per month and USAA averages $109 per month.

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

The right West Virginia Medicare Supplement plan depends on how age, coverage preferences and plan type affect monthly premiums and out-of-pocket costs. Use the table below to compare rates across available plans, filtered by plan type, age and high-deductible options.

Data filtered by:
A
Select
No
USAAANo65$100$0Attained Age Pricing
Globe LifeANo65$109$0Attained Age Pricing
Government Personnel Mutual ANo65$122$0Attained Age Pricing
Mutual of OmahaANo65$131$0Attained Age Pricing
SilverScript ANo65$134$0Attained Age Pricing
State FarmANo65$136$0Attained Age Pricing
THP Ins. CoANo65$141$0Attained Age Pricing
United American ANo65$144$0Attained Age Pricing
MedMutual ProtectANo65$144$0Attained Age Pricing
AetnaANo65$145$0Attained 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. 1
    Assess Your Health Care Needs

    Frequent travelers need a plan with broad out-of-state coverage. Enrollees with ongoing medical conditions requiring regular treatment often spend less overall on higher-premium plans with lower out-of-pocket costs than on lower-premium plans with higher cost-sharing.

  2. 2
    Compare Plan Types

    Plan G offers the most comprehensive coverage for new Medicare beneficiaries. Plan N provides similar benefits at lower premiums with modest copays: $20 for doctor visits and $50 for emergency room visits that don't result in admission. Plan F covers all out-of-pocket costs but is available only to enrollees who joined Medicare before January 1, 2020. Plans K and L carry lower premiums but require cost-sharing until an annual out-of-pocket limit is reached. Plans A, C and D cover core benefits at varying levels. Plans B and M fill specific gaps between basic and comprehensive coverage.

  3. 3
    Get Quotes From Multiple Providers

    Request quotes from at least three insurers. Rates for identical coverage vary by company.

  4. 4
    Check Pricing Style

    Three pricing methods apply to Medigap plans: issue-age pricing (locked at enrollment age), attained-age pricing (increases annually with age) and community-rated pricing (same rate for all enrollees regardless of age). Issue-age and community-rated plans typically cost less over time than attained-age plans.

  5. 5
    Check Company Ratings

    Check AM Best ratings for financial stability and customer satisfaction scores for service quality before enrolling. Low premiums mean little if your insurer delays claims or delivers poor service.

  6. 6
    Enroll During Open Enrollment

    Enroll during the six-month window that begins when you turn 65 and sign up for Medicare Part B. During this period, insurers must accept your application regardless of health conditions. Outside this window, insurers can charge higher rates or deny coverage.

West Virginia Medicare Resources

West Virginia residents who need help selecting Medicare coverage or understanding their options can access these resources 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

We answer common questions about Medigap coverage in West Virginia.

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

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 method (20%): We scored pricing methods based on long-term stability: community-rated pricing (1.0), issue-age pricing (0.8) and attained-age pricing (0.6). A community-rated plan with slightly higher premiums can outscore a cheaper attained-age plan because community-rated premiums stay stable over time.
  • Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.

Related Pages

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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