West Virginia Medicare Plans
In West Virginia it makes sense to include additional plans to boost your Original Medicare plan. Supplements and Part D plans can limit out-of-pocket expenses for beneficiaries. Advantage plans also make sense for those who need vision and dental coverage. With so many options, it’s best to work with a Medicare agent to ensure you get the best coverage for your needs.
West Virginia Medicare plans open enrollment
Enrollment for West Virginia residents begins at 65. There is a six month enrollment period that begins the three months prior to your birthday. At this time it is best to enroll in a Supplement as you are guaranteed issue.
If you choose to enroll in a Supplement outside this enrollment window, you will be required to complete a health survey and can be denied coverage based on your pre-existing conditions.
The Medicare plans in West Virginia are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs.
A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare.
There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!
If you were enrolled in Medigap plans C or F before 2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans.
Medicare Advantage Plans
There are 25 Advantage or Part C plans available in WV based on the county you reside in. These are private insurance plans that offer all the benefits of Original Medicare. Part C plans also have additional coverage for vision, dental and prescription drugs.
Each year you may make changes to you Advantage plan during a specific enrollment period from January 1st through March 31st.
Medicare Part D
There are 27 Part D plans in West Virginia. These plans provide prescription drug coverage. Original Medicare and Supplements do not offer prescription coverage so these plans are popular among beneficiaries hoping to save on their out-of-pocket costs at the pharmacy.
How we can help
Remember, all plans provide standardized coverage, and the only difference is the cost. Our West Virginia licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process.