Medicare Supplement Insurance (Medigap) helps West Virginia seniors and eligible disabled residents cover healthcare costs not fully paid by Original Medicare, including deductibles, copayments, and coinsurance. West Virginians may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
Get a More Accurate Price
Important: Plan F and Plan C are not available to people who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in West Virginia
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 40,083 |
| 2 | G | 31,453 |
| 3 | N | 8,358 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? In West Virginia, Plan F still leads enrollment with more than 40,000 beneficiaries — but Plan G is rapidly catching up, now within 9,000 enrollees of overtaking it. This reflects the nationwide trend of newer beneficiaries moving toward Plan G as Plan F closes to new members.
How Medigap Pricing Works in West Virginia
Premiums for Medigap policies may rise differently depending on the pricing method insurers use. In West Virginia, plans may follow one of three rating models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you buy the policy and may rise with inflation, not age.
- Community rated – Everyone pays the same premium, regardless of age.
Under-65 Eligibility in West Virginia
West Virginia does not require insurers to sell Medigap coverage to beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). Some insurers may voluntarily offer coverage, but options for this group are often limited and may come with higher premiums.
Choosing a Medigap Plan in West Virginia
Plan F remains the most popular choice among West Virginia beneficiaries, though Plan G is gaining ground quickly. Plan N also provides a lower-cost option for those comfortable with modest copayments. Every Medigap policy works nationwide with any provider who accepts Medicare, ensuring residents have dependable coverage whether they receive care in Charleston, Morgantown, or across the country.
To review premiums and compare plan options in your ZIP code, visit our Medigap rate comparison page.