The Best West Virginia Medicare Supplement Plans (2024)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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%.