Best Medicare Supplement Plans in West Virginia (2026)

Why We Picked It: Government Personnel Mutual's $132 Plan G saves $1,362 per year versus the West Virginia state average. All claims are through its parent company, Mutual of Omaha (AM Best A+). That parent relationship means GPM's day-to-day claims reliability draws on stronger financial infrastructure than its own B++ entity rating implies.  

When to Look Elsewhere: For coverage held past 75, Transamerica's issue-age pricing removes the compounding rate risk. Its A-rated finances outrank GPM's B++ for long-term policyholder security.

Why We Picked It: Plan F covers every Medicare out-of-pocket cost, with the $283 Part B annual deductible that Plan G leaves unpaid. 

What I noticed in MedMutual's data is that its Plan F ($162) costs only $21 more per month than its Plan G ($141). For pre-2020 enrollees choosing between the two, that $252 annual difference buys full Part B deductible coverage, check that math against your own usage before deciding. 

When to Look Elsewhere: Plan F closed to anyone who became eligible for Medicare after January 1, 2020. If that's you, MedMutual's strongest offering is unavailable regardless of price. Attained-age pricing and the missing Plans K and L rule out MedMutual for anyone who wants stable long-term premiums or a cost-sharing plan structure.

Why We Picked It: USAA's $100 Plan A saves $1,080 per year versus the West Virginia state average. The A++ AM Best rating is an outlier in my analysis. Every other provider in my WV picks holds an A or lower.

Military members and families get member discounts and perks that go beyond the plan itself. 

When to Look Elsewhere: USAA eligibility requires active-duty status, veteran status or immediate family connection. Without it, neither the A++ rating nor the $1,080 annual savings advantage applies. Even for eligible members, USAA covers only four plan types and offers no high-deductible options. Anyone who wants Plans B, C, D or K through M needs to look elsewhere.

Why We Picked It: Aetna's $145 Plan B saves $1,224 per year versus the West Virginia state average. The plan covers the $1,736 Part A hospital deductible per benefit period that Plan A leaves unpaid. A single hospitalization will exhaust that deductible entirely.

What I found when reviewing Aetna's data is the $85 monthly gap between its standard Plan B ($145) and its high-deductible Plan F ($60). For pre-2020 Medicare enrollees, that range gives more plan flexibility than most West Virginia providers offer.  

When to Look Elsewhere: Aetna uses attained-age pricing, so the $1,224 annual savings gap versus the state average shrinks as your premium grows each year. Plans K, L and M aren't available from Aetna. For Plan G or Plan N, Government Personnel Mutual charges $132 and $97 per month, both below Aetna's equivalent rates for those plan types.

Why We Picked It: Globe Life's Plan C at $192 per month is $69 below the West Virginia state average, a gap worth $828 per year for eligible enrollees. Plan C covers the $283 Part B annual deductible that Plan G leaves unpaid.

Select Globe Life plans require no medical underwriting. In my analysis, that option serves enrollees with health conditions who missed their six-month guaranteed-issue window. Most West Virginia insurers apply full underwriting outside that period.  

When to Look Elsewhere: Plan C is closed for anyone who became Medicare-eligible after January 1, 2020. That rules out Globe Life for most enrollees. It also uses attained-age pricing and doesn't offer Plans K or L. The closest alternative is Plan G from Government Personnel Mutual at $132 per month, which leaves the $283 Part B deductible unpaid.

Why We Picked It: The Health Plan is a West Virginia-based insurer with the cheapest Plan D in the state at $140 per month, $28 below the state average. Plan D covers the $1,736 Part A hospital deductible and coinsurance. It doesn't pay the $283 Part B annual deductible.

What I noticed about THP is that it offers a broader plan menu than most regional WV insurers, with Plans C and D alongside high-deductible Plan F and G. That combination is uncommon among non-national carriers in this market.  

When to Look Elsewhere: The Health Plan serves specific West Virginia counties, and if you're outside its service area, enrollment isn't possible. THP uses attained-age pricing and doesn't offer Plans K or L. Before committing, confirm whether coverage transfers if you relocate out of state, since THP's service model is West Virginia-focused.

Why We Picked It: Transamerica is the only insurer in my analysis offering all 10 standardized Medigap plan types in West Virginia. It uses issue-age pricing, which locks your rate at enrollment regardless of future age. For a 65-year-old holding coverage 15 or more years, that removes the compounding rate risk built into every other attained-age plan I reviewed.  

When to Look Elsewhere: At $183 per month, Transamerica's Plan G, $51 above Government Personnel Mutual's rate. If the lowest starting premium at 65 is the deciding factor, attained-age plans cost less. Transamerica also doesn't offer high-deductible Plan G or Plan F. If you want lower monthly costs with a higher deductible, you will need a different provider.