The Best West Virginia Medicare Supplement Plans (2022)

You have 10 options for Medicare Supplement (also called Medigap) plans in West Virginia. However, the availability depends on your eligibility date. MoneyGeek’s research found the best Medicare Supplement plans in West Virginia are from Aetna and Cigna.

You should know that you can’t buy both a Medigap and Medicare Advantage plan in West Virginia or other areas. That is because a Medicare Advantage plan in West Virginia replaces your Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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In West Virginia, Medicare Supplement plans cost roughly $120 per month for 65-year-olds and around $188 per month for 75-year-olds.

People eligible for Medicare tend to buy plans F or G since they offer the most comprehensive coverage. In West Virginia, Plan F averages $195.10 per month, and Plan G is around $124.80 per month. However, Plan F’s availability is only to people who were eligible for Medicare before 2020.

Plan N is the next most bought Medicare Supplement plan since it has similar coverage despite some excess charges. On average, Plan N costs $127.10 per month in West Virginia.

MoneyGeek ranked the best companies for the above plans based on average premiums and benefits, following our methodology. You can use our guide to know more about finding the best Medicare Supplement plan in West Virginia.

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Best Medicare Supplement Plans in West Virginia

Best Medicare Supplement Plan G in West Virginia

MoneyGeek’s research found Cigna offers the best Medigap Plan G in West Virginia. However, our rankings only consider providers with quotes available online. It’s possible that some Medicare Supplement plan providers in West Virginia may not give online quotes but offer better packages and cheaper rates.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $120.04

In West Virginia, Cigna’s Plan G costs around $120.04 per month, which is cheaper than the average monthly cost of Plan G in the state at roughly $146.50.

Through the Cigna Healthy Rewards program, patients can take advantage of smart, preventive health services at a discount of up to 25% to improve or maintain their health and wellness. They include weight management tools, fitness club memberships, vision care, hearing care, alternative medicine like acupuncture, massage therapy and mind/body options such as yoga.

Cigna also offers coverage for emergencies during overseas travel and has a health information line available 24/7 over the phone and online.

MORE ABOUT PLAN G IN WEST VIRGINIA

Navigate to learn more about Medigap Plan G in West Virginia, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in West Virginia

MoneyGeek found Medicare Supplement Plan G in West Virginia costs $146.50 per month on average.

A 65-year-old can go to Humana for the cheapest rate, around $113.50 per month, saving up to $34.40 per month compared to Highmark, offering West Virginia’s priciest Plan G at approximately $147.90 per month.

However, actual prices can change based on the patient’s age, available discounts and other medical underwriting factors.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $114
  • Cigna
    $120
  • Aetna
    $125
  • UnitedHealthcare
    $128
  • Highmark
    $148

Providers Offering Plan G in West Virginia

Thirty-five companies in West Virginia offer Medigap Plan G, but they don’t all provide online quotes. MoneyGeek gathered the contact information of these West Virginia providers to help you find a Plan G that best fits your needs and situation. We also include their pricing method to illustrate which providers charge more based on age.

Providers Offering Plan G in West Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Erie
    800-458-0811
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age

What Does Plan G Cover?

Medicare Supplement plans in West Virginia, including Plan G, are standardized and offer basic benefits. But, Plan G doesn’t cover the Part B deductible, and it only provides up to 80% coverage for foreign travel exchange (to plan limits).

However, some companies might include additional benefits beyond the standard coverage. For example, Cigna offers discounts on health and wellness products through its Healthy Rewards program.

Required Benefits of Plan G in West Virginia
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in West Virginia

Based on MoneyGeek’s analysis, Aetna is your best choice for a Medigap Plan F in West Virginia. It costs roughly $185.54 per month. Aside from its standard policy, you can choose Aetna’s high-deductible option, which is significantly cheaper.

Keep in mind that MoneyGeek only ranked companies providing online estimates. You may find better offers and more affordable rates from carriers that do not have online quoting.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $185.54

Aetna’s Plan F policies cost approximately $185.54 per month, around $9.56 more affordable than the state’s average policy price of $195.10. It offers foreign travel emergency coverage, paying for medically necessary emergency care services during the first 60 days of a policyholder’s trip outside the United States.

Additionally, Aetna provides a high-deductible Plan F in West Virginia. It’s a more affordable alternative at roughly $51.98 per month, but as a downside, planholders pay for Medicare-covered costs of up to $2,490 a year (the deductible).

MORE ABOUT PLAN F IN WEST VIRGINIA

Navigate to learn more about Medigap Plan F in West Virginia, including how much the average cost is, available providers and what it covers.

The Cost of Medicare Supplement Plan F in West Virginia

In West Virginia, the average cost of Medicare Supplement Plan F is $195.10 per month. But your premium price can vary depending on your age, preferred carrier, available discounts and medical underwriting factors.

If you’re 75, Aetna offers the cheapest rate for Plan F in West Virginia at around $125.20 per month. The priciest Plan F is through UnitedHealthcare at approximately $307.50 per month — roughly $182.30 more than Aetna.

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75

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  • Company
    Sample Monthly Rate
  • Aetna
    $101

Providers Offering Plan F in West Virginia

You have 35 company options for Medicare Supplement Plan F in West Virginia. However, not every company provides quotes online; you may have to call to get a personalized estimate.

MoneyGeek collected the contact information of West Virginia’s Plan F providers to help you. We also indicate their pricing style to guide you on which providers are likely to charge more based on age.

Providers Offering Plan F in West Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Erie
    800-458-0811
    Attained Age

What Does Plan F Cover?

Plan F, like all Medicare Supplement plans, is standardized and has certain guaranteed benefits. Despite Plan F’s extensive coverage, as a minimum, it only covers 80% of foreign travel exchange, up to the plan limit.

However, some companies offer additional benefits on a Plan F policy. For example, Aetna provides foreign travel emergency coverage to policyholders.

Required Benefits of Plan F in West Virginia
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in West Virginia

MoneyGeek recommends Cigna to seniors looking for West Virginia’s best Medigap Part N policy. The average monthly cost is $87.83.

Keep in mind that our analysis only covers companies that give quotes online. There may be providers in the state with a more competitive price.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $87.83

Cigna’s Plan N costs around $87.83 per month in West Virginia, almost half the price of the state’s average for the same N plan at roughly $161.10 per month.

Policyholders who want to make smart and preventive health choices can get discounts of up to 25% on various health and wellness products using Cigna’s Healthy Rewards program. They can utilize discounts at fitness clubs, for weight management tools, and access vision care, hearing care and alternative medicine.

Cigna also covers emergency health needs during overseas travel. Its health information line is also a perk, available 24/7 via phone and online.

MORE ABOUT PLAN N IN WEST VIRGINIA

Navigate to learn more about Medigap Plan N in West Virginia, including how much it costs on average, its available providers and what it covers.

The Cost of Medicare Supplement Plan N in West Virginia

In West Virginia, Medicare Supplement Plan N costs approximately $161.10 per month. However, rates can vary based on the policyholder’s age, discounts and medical underwriting factors.

An average 65-year-old can buy a Plan N policy for around $87.80 per month from Cigna, West Virginia’s cheapest provider. Meanwhile, if the same person buys from Highmark, the state’s most expensive provider, the policy is roughly $159.90 per month.

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65

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  • Company
    Sample Monthly Rate
  • Cigna
    $88
  • Aetna
    $96
  • UnitedHealthcare
    $122
  • Humana
    $149
  • Highmark
    $160

Providers Offering Plan N in West Virginia

There are 36 companies that offer Plan N in West Virginia, but not all of them provide online quotes. To help seniors find the best carrier, MoneyGeek listed the contact information of Plan N providers in West Virginia. We also include their pricing method to show which companies are likely to charge more based on age.

Providers Offering Plan N in West Virginia

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Erie
    800-458-0811
    Attained Age

What Does Plan N Cover?

In West Virginia, all Medicare Supplement plans, including Plan N, are standardized and have guaranteed benefits. But, Plan N does not cover the Part B deductible or Part B excess charges. Also, it only covers up to 80% of foreign travel emergencies to the plan limit.

Some companies may include benefits in addition to the plan’s minimum. For example, Cigna has a Healthy Rewards program for Plan N policyholders.

Required Benefits of Plan N in West Virginia
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in West Virginia: Other Plan Types

Other Medigap plan types exist besides Plan F, G and N, yet fewer people get these plans because they offer less comprehensive coverage.

MoneyGeek still, when quotes were available online, ranked the best providers for each letter Medicare Supplement plan type in West Virginia:

  • Plan A: UnitedHealthcare
  • Plan B: Aetna
  • Plan C: Humana
  • Plan D: Highmark
  • Plan K: UnitedHealthcare
  • Plan L: UnitedHealthcare

Remember, people who became eligible for Medicare after January 1, 2020, won’t be able to buy Plan C policies in West Virginia or elsewhere.

The Best Medicare Supplement in West Virginia - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $97.29

  • B

    Aetna

    $126.28

  • C

    Humana

    $278.86

  • D

    Highmark

    $137.78

  • F

    Aetna

    $185.54

  • G

    Cigna

    $120.04

  • K

    UnitedHealthcare

    $63.44

  • L

    UnitedHealthcare

    $99.58

  • N

    Cigna

    $87.83

How to Find the Best Medicare Supplement Plans in West Virginia

Some people may find Medicare Supplement plans a complicated subject. To help you understand them better, MoneyGeek studied pricing data and created an easy comparison chart for Medigap plans in West Virginia.

West Virginia Medicare Supplement Plans Comparison Chart

Medigap plans have different coverage levels and availability. Certain plan types are only available based on when the policyholder became eligible for Medicare. For example, new enrollees can’t buy Plan F and C, even though those policies provide the most comprehensive coverage. The next best choices are their replacements: Plan G and D.

Use MoneyGeek’s chart to compare Medicare Supplement plans in West Virginia according to coverage levels and costs.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in West Virginia

The cost of Medigap plans in West Virginia varies based on your chosen plan type and carrier.

UnitedHealthcare has the most affordable rates for Plan A, K and L. Meanwhile, Aetna is the cheapest for Plan B and F, and Cigna for Plan G and N. Humana offers the lowest rates for Plan C and Highmark for Plan D.

Companies in West Virginia use the following pricing styles for Medigap plans.

  • Attained-Age: Prices depend on the policyholder’s current age, which means prices increase over time.
  • Issue-Age: This pricing method uses the policyholder’s age when they first acquired the plan, so age does not affect Medigap plan prices. Insurers use this 50% of the time with Plan M.
  • Community-Rated: All policyholders within the plan type pay the same premium, regardless of age. Providers in West Virginia don't use this pricing style for Plan D and M.
Average Cost of Medicare Supplement in West Virginia

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $97
  • Aetna
    $117
  • Cigna
    $122
  • Highmark
    $122
  • Humana
    $140

FAQs About Medicare Supplement Plans in West Virginia

MoneyGeek answered frequently asked questions to help you understand Medicare Supplement plans in West Virginia.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in West Virginia for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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