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Medicare Advantage Plans in West Virginia

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Here’s a bare-bones, scaled-down summary of Medicare Advantage plans in West Virginia.

  • They deliver your Medicare Part A (hospital) and Part B (medical) benefits.
  • Usually, but not always, they include prescription drug benefits. This is something you don’t get with Original Medicare (Part A and Part B), when it comes to most medications you take at home.
  • Many plans also offer other benefits, like routine vision services, routine hearing care, or fitness programs.
  • They have limits on your out-of-pocket spending.

Keep reading to learn more about Medicare Advantage plans in West Virginia. These plans work the same in all states.

What else should I know about Medicare Advantage in West Virginia?

Medicare Advantage plans in West Virginia (and all states) are available from private insurance companies that contract with Medicare to provide your Part A and Part B benefits. Since they’re private companies, they have some flexibility in setting their pricing. So premiums, deductibles, copayments, and coinsurance vary from one plan to another.

Speaking of premiums, some Medicare Advantage plans in West Virginia may have premiums as low as $0. Of course, you’ll want to compare all the costs – not just premiums – when you’re comparing plans in West Virginia.

When you have a Medicare Advantage plan in West Virginia, you’re still in the Medicare program – so you still have to pay your Medicare Part B premium every month, along with any Medicare Advantage plan premium.

There are several different types of Medicare Advantage plans available in West Virginia, although not every plan may be available where you live. In fact, there are 31 Medicare Advantage plans offered in West Virginia in 2018, according to the Center for Medicare & Medicaid Services. Everyone in the state has access to at least one type of Medicare Advantage plan. You must live within a plan’s service area to sign up for the plan. Also, you need to be enrolled in Medicare Part A and Part B.

When can I sign up for a Medicare Advantage plan in West Virginia?

There are only certain times that you can sign up for a Medicare Advantage plan in West Virginia.

  • Are you new to Medicare, or coming up on your 65th birthday? Your Medicare Initial Enrollment Period (IEP) can be a good time to sign up. Generally your IEP is a seven-month period starting 3 months before the month you turn 65, includes your birthday month, and goes for three more months after that. Your Medicare IEP can be different if you’re eligible for Medicare by disability. You can find out more about when your coverage begins if you’re getting Social Security disability benefits.
  • If you missed your IEP, you can sign up during the Annual Election Period (October 15 – December 7).
  • In certain situations, like losing your coverage because you moved, you might qualify for a Special Election Period to enroll in a Medicare Advantage plan.

How many people have Medicare Advantage plans in West Virginia?

CMS reports that around 431,000 West Virginians have Medicare coverage in 2018. Around 140,490 (about 32%) of them are enrolled in Medicare Advantage plans in West Virginia (or in other Medicare health plans).

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.

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