Medicare health insurance is available in West Virginia when you sprain 65 years old. It's also available for some people who are nether age 65 and meet certain eligibility criteria.

When you're ready to enroll in Medicare, it's all-important to understand the different plans available.

The Centers for Medicare & Medicaid Services (CMS) reported the following entropy on Medicare trends in WV for the 2022 plan year:

  • A unconditional of 443,210 residents of Westward Virginia are enrolled in Medicare.
  • The modal Medicare Advantage monthly premium diminished in West Virginia compared to last yr — from $30.81 in 2021 to $25.53 in 2022.
  • Thither are 46 Medicare Advantage plans available in Western United States Virginia for 2022, compared to 44 plans in 2021.
  • Completely Westside Virginia residents with Medicare have access to buy a Medicare Advantage plan, including plans with $0 premiums.
  • There are 12 different Medigap plans offered in West Virginia for 2022.

There are a few variant parts that make up the Medicare computer programme. We'll go over some of these plan options next.

Original Medicare

Original Medicare refers to Set forth A and Part B reportage, and altogether plans (including Medicare Vantage) mustiness cover these benefits.

Set off A (hospital insurance) covers:

  • treatments and care in a infirmary
  • hospice caution
  • limited home healthcare
  • limited stays in a skilled nursing readiness

Part B (outpatient medical insurance) covers:

  • doctors' visits
  • preventive aid (annual health visits, screenings)
  • counseling services
  • vaccines
  • science laborator tests and imaging
  • certain durable medical equipment

With innovative Medicare, you give notice prefer any supplier surgery facility that accepts Medicare insurance coverage.

Medicare Advantage in West Virginia

Medicare Advantage, or Set off C, bundles Part A and Part B coverage into a single plan. Many Medicare Advantage plans include prescription drug coverage too

Some plans let in extra benefits not available with original Medicare, much equally dental insurance Oregon sight care, wellness perks, operating room home repast delivery.

There are many different carriers that offer Medicare Advantage plans in Occident Virginia, including:

  • Aetna
  • Highmark
  • Humana
  • Lasso Healthcare
  • The Health Plan
  • UnitedHealthcare

Keep in mind, non every carrier offers plans end-to-end all areas of WV. Your choices will vary depending on the county where you live.

Medicare supplement plans in W Virginia

Medicare subsidiary policy (also known as Medigap) is available direct private companies to help pay away-of-pocket costs under original Medicare. Costs vary dependent on which plan you pick out.

Many companies offer Medigap plans in Nebraska. In 2022, some of the companies offering Medigap plans end-to-end the state include:

  • AARP – UnitedHealthcare
  • Bankers Fidelity
  • Garden State
  • Great Southern
  • Highmark Uncheerful Cross Blue Screen Mountain State
  • Humana
  • Lumico
  • Physician Corp
  • State Farm
  • USAA

You seat non buy a Medigap plan if you rich person Medicare Vantage.

Medicare plans in West Virginia are available when you turn age 65 if you are one of the favourable:

  • citizen of the United States, Beaver State
  • lawful resident for 5 surgery Thomas More long time

You may represent qualified before age 65 if you:

  • have received Social Security Disability or Sandbag Retreat benefits for 24 months
  • accept Lou Gehrig's disease (ALS)
  • stimulate received a kidney transplant or have end stage excretory organ disease (ESRD)

When can I enroll in Medicare?

There are convinced times that you can enroll in Medicare and Medicare Advantage plans. We'll discuss these different enrollment periods next.

Your first enrollment period (IEP) starts 3 months earlier your 65th birthday, extends through your birthday month, and continues 3 months later on you wrench 65 years old. If you wait until your natal day month or later, the start date for your coverage will be later.

In that respect are other enrolment periods that occur a certain times each year, including:

  • Medicare open enrollment (October 15 to December 7) is when you hind end make changes to your freehand Medicare coverage or switch between Medicare Advantage and original Medicare plans.
  • Medicare Advantage open registration (January 1 to March 31) is when you can make changes to your plan if you are already enrolled in Medicare Advantage. You can besides drop your Medicare Advantage plan and switch back to freehand Medicare during this time.
  • General enrollment period (January 1 to March 31) is when you crapper sign up for Part A and Portion B if you didn't house up during your IEP. You English hawthorn have to pay a late enrollment penalty if you missed your IEP.

Uncommon enrollment periods grant you to enroll in Medicare outside of the usual enrollment periods if you lose reportage for a qualifying reason. You may have upward to 8 months to enter in coverage after the qualifying event.

Tips for enrolling in Medicare in West Virginia

The many choices for Medicare coverage can be overwhelming. Before you sign awake it's important to toy with:

  • plan costs and what each one covers
  • whether the plan's network includes your best-loved doctors and hospitals
  • if the plan is highly rated for quality and patient satisfaction using the CMS star ratings system (for Part C and prescription drug plans)

These resources can help you get more information about Medicare in Westward Viriginia:

  • Westbound Virginia Bureau of Senior Services (877-987-4463): information along Medicare, Medicare supplement, and other resources
  • State Health Insurance Assistance Program (SHIP) (877) 987-3646): escaped counseling for Medicare questions
  • WV Aging & Disability Resource Meshing (877-987-3646): local offices to tie seniors with services
  • WV Department of Health & Humanlike Services (800-642-8589) provides a wide range of indispensable services to Mountain State residents
  • PATH program: helps connect you with programs to help compensate for Medicare
  • Medicare (800-633-4227): visit the Medicare website to speak to someone who is potty-trained to assist you pilot Medicare.

  • More than 440,000 Westbound Virginia residents are enrolled in Medicare.
  • Thither are several private policy companies offering different types of Medicare Reward and Medigap plans passim the state.
  • Overall, monthly insurance premium costs give decreased for 2022 Medicare Advantage plans in West Virginia.
  • There are also several Medigap plan options if you live in Western VA and are looking additional coverage.