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2026 Medicare Supplement in West Virginia

Attained-AgeBirthday Rule
Get an overview of Medicare Supplement rates in West Virginia across all available plan letters, including Plans G, N and F.
medicare supplement rates in west virginia
OVERVIEW

At A Glance: Medicare Supplement in West Virginia

Compare 2026 Medicare Supplement (Medigap) rates in West Virginia. Our licensed, independent agents help you find the best plan at the best price — whether you're new to Medicare or looking to switch carriers.


15
Carriers in West Virginia
$204/mo
Avg. Plan G
$163/mo
Avg. Plan N
$249/mo
Avg. Plan F

2026 averages for age 65, non-tobacco. Rates vary by carrier, ZIP, and underwriting.

Gender:

Average Medigap Rates in West Virginia

2026 average monthly premiums for non-tobacco users across all carriers.

Average Plan G Rates in West Virginia 2026 averages · Non-tobacco · All carriers
Age Avg. Monthly Rate
65 $204/mo
70 $230/mo
75 $268/mo
80 $305/mo

Rates are statewide averages across all carriers. Your actual premium will vary by carrier, zip code, health status, and underwriting factors. Get a personalized quote for exact pricing.


CARRIERS

Medicare Supplement Insurance Providers in West Virginia

Plan A Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

GPM Health and Life Insurance Company
$116 $131 /mo
Age 65 · Non-tobacco · Rate varies by zip
Mutual of Omaha Insurance Company
$124 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$125 $234 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$125 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$126 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$133 $329 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$141 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$142 $183 /mo
Age 65 · Non-tobacco · Rate varies by zip
Wisconsin Physicians Service Insurance Corporation
$145 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$149 $184 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$152 $184 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$167 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$182 /mo
Age 65 · Non-tobacco · Rate varies by zip
Erie Family Life Insurance Company
$187 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$227 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan B Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

First Health Life & Health Insurance Company
$161 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$176 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$190 $469 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$258 $272 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan C Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$169 $418 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$191 $249 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$214 /mo
Age 65 · Non-tobacco · Rate varies by zip
Wisconsin Physicians Service Insurance Corporation
$216 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$227 $240 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$234 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$250 $285 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan D Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Highmark Blue Cross Blue Shield West Virginia
$134 $169 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$136 $179 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$144 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$251 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan F Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

GPM Health and Life Insurance Company
$154 $174 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$156 $293 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$167 $300 /mo
Age 65 · Non-tobacco · Rate varies by zip
Erie Family Life Insurance Company
$186 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$187 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$197 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$197 $257 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$200 /mo
Age 65 · Non-tobacco · Rate varies by zip
Wisconsin Physicians Service Insurance Corporation
$220 /mo
Age 65 · Non-tobacco · Rate varies by zip
Mutual of Omaha Insurance Company
$235 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$236 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$249 $616 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$262 $296 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$276 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$288 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

High-Deductible Plan F Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

HealthSpring National Health Insurance Company
$37 $69 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$44 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$56 $59 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$75 $98 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$89 $124 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan G Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

GPM Health and Life Insurance Company
$125 $142 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$135 $254 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$135 $276 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$136 $180 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$138 $172 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$162 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$165 /mo
Age 65 · Non-tobacco · Rate varies by zip
Erie Family Life Insurance Company
$167 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$173 /mo
Age 65 · Non-tobacco · Rate varies by zip
Wisconsin Physicians Service Insurance Corporation
$179 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$181 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$188 $588 /mo
Age 65 · Non-tobacco · Rate varies by zip
Mutual of Omaha Insurance Company
$193 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$201 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$236 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

High-Deductible Plan G Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

United American Insurance Company
$33 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$46 $48 /mo
Age 65 · Non-tobacco · Rate varies by zip
Mutual of Omaha Insurance Company
$49 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$51 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$57 $92 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$68 $88 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan K Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

Humana Insurance Company
$87 $92 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$88 $219 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$103 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan L Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

AARP - UnitedHealthcare Insurance Company
$124 $308 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$133 $141 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$145 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

Plan N Rate Ranges by Carrier in West Virginia

Age 65 · Non-tobacco · 2026 · Rate varies by zip

GPM Health and Life Insurance Company
$92 $104 /mo
Age 65 · Non-tobacco · Rate varies by zip
HealthSpring National Health Insurance Company
$93 $174 /mo
Age 65 · Non-tobacco · Rate varies by zip
First Health Life & Health Insurance Company
$96 /mo
Age 65 · Non-tobacco · Rate varies by zip
Humana Insurance Company
$97 $244 /mo
Age 65 · Non-tobacco · Rate varies by zip
AFLAC
$114 /mo
Age 65 · Non-tobacco · Rate varies by zip
Woodmen Of The World Life Insurance Society
$117 /mo
Age 65 · Non-tobacco · Rate varies by zip
Highmark Blue Cross Blue Shield West Virginia
$121 $155 /mo
Age 65 · Non-tobacco · Rate varies by zip
THP Ins. Co
$121 $159 /mo
Age 65 · Non-tobacco · Rate varies by zip
Mutual of Omaha Insurance Company
$133 /mo
Age 65 · Non-tobacco · Rate varies by zip
Erie Family Life Insurance Company
$134 /mo
Age 65 · Non-tobacco · Rate varies by zip
State Farm Mutual Automobile Insurance Company
$135 /mo
Age 65 · Non-tobacco · Rate varies by zip
Wisconsin Physicians Service Insurance Corporation
$162 /mo
Age 65 · Non-tobacco · Rate varies by zip
AARP - UnitedHealthcare Insurance Company
$171 $475 /mo
Age 65 · Non-tobacco · Rate varies by zip
Guarantee Trust Life Insurance Company
$184 /mo
Age 65 · Non-tobacco · Rate varies by zip
United American Insurance Company
$186 /mo
Age 65 · Non-tobacco · Rate varies by zip

Rate ranges represent the lowest to highest available rate at age 65 for each carrier. Request a personalized quote for exact pricing.

How we calculate displayed rates

Figures for Medicare Supplement (Medigap) on this page use 2026 filed or community rates from our carrier-rate dataset for West Virginia. Averages roll up multiple carriers and rate classes for the age, gender, and plan letter you select. Your premium can still differ based on ZIP code, underwriting, household discounts, and how the carrier bills the policy. Treat tables as directional guidance, not a binding quote.

Lowest Plan A Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company Lowest $116/mo $125/mo $146/mo $175/mo
Mutual of Omaha Insurance Company $124/mo $131/mo $154/mo $185/mo
HealthSpring National Health Insurance Company $125/mo $145/mo $168/mo $194/mo
United American Insurance Company $125/mo $154/mo $164/mo $164/mo
State Farm Mutual Automobile Insurance Company $126/mo $158/mo $183/mo $206/mo
AARP - UnitedHealthcare Insurance Company $133/mo $146/mo $179/mo $212/mo
First Health Life & Health Insurance Company $141/mo $161/mo $179/mo $190/mo
THP Ins. Co $142/mo $165/mo $186/mo $202/mo
Wisconsin Physicians Service Insurance Corporation $145/mo $173/mo $203/mo $232/mo
Highmark Blue Cross Blue Shield West Virginia $149/mo $170/mo $194/mo $219/mo
Humana Insurance Company $152/mo $161/mo $188/mo $231/mo
AFLAC $167/mo $205/mo $241/mo $277/mo
Woodmen Of The World Life Insurance Society $182/mo $185/mo $222/mo $279/mo
Erie Family Life Insurance Company $187/mo $205/mo $240/mo $274/mo
Guarantee Trust Life Insurance Company $227/mo $241/mo $271/mo $314/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan B Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company Lowest $161/mo $188/mo $214/mo $235/mo
United American Insurance Company $176/mo $221/mo $245/mo $249/mo
AARP - UnitedHealthcare Insurance Company $190/mo $209/mo $256/mo $303/mo
Humana Insurance Company $258/mo $305/mo $353/mo $402/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan C Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $169/mo $186/mo $228/mo $270/mo
THP Ins. Co $191/mo $233/mo $277/mo $326/mo
United American Insurance Company $214/mo $272/mo $311/mo $346/mo
Wisconsin Physicians Service Insurance Corporation $216/mo $258/mo $302/mo $345/mo
Humana Insurance Company $227/mo $269/mo $311/mo $354/mo
State Farm Mutual Automobile Insurance Company $234/mo $295/mo $342/mo $384/mo
Highmark Blue Cross Blue Shield West Virginia $250/mo $302/mo $355/mo $422/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan D Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Highmark Blue Cross Blue Shield West Virginia Lowest $134/mo $153/mo $174/mo $197/mo
THP Ins. Co $136/mo $167/mo $200/mo $237/mo
State Farm Mutual Automobile Insurance Company $144/mo $176/mo $208/mo $236/mo
United American Insurance Company $251/mo $325/mo $375/mo $419/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan F Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company Lowest $154/mo $162/mo $187/mo $223/mo
HealthSpring National Health Insurance Company $156/mo $181/mo $210/mo $243/mo
Humana Insurance Company $167/mo $177/mo $207/mo $254/mo
Erie Family Life Insurance Company $186/mo $207/mo $239/mo $281/mo
First Health Life & Health Insurance Company $187/mo $219/mo $251/mo $280/mo
AFLAC $197/mo $210/mo $252/mo $306/mo
THP Ins. Co $197/mo $240/mo $285/mo $336/mo
Woodmen Of The World Life Insurance Society $200/mo $200/mo $236/mo $286/mo
Wisconsin Physicians Service Insurance Corporation $220/mo $262/mo $308/mo $351/mo
Mutual of Omaha Insurance Company $235/mo $248/mo $290/mo $351/mo
State Farm Mutual Automobile Insurance Company $236/mo $298/mo $345/mo $388/mo
AARP - UnitedHealthcare Insurance Company $249/mo $274/mo $336/mo $397/mo
Highmark Blue Cross Blue Shield West Virginia $262/mo $316/mo $371/mo $441/mo
United American Insurance Company $276/mo $351/mo $401/mo $445/mo
Guarantee Trust Life Insurance Company $288/mo $306/mo $363/mo $455/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest High-Deductible Plan F Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
HealthSpring National Health Insurance Company Lowest $37/mo $43/mo $50/mo $57/mo
United American Insurance Company $44/mo $58/mo $73/mo $87/mo
Humana Insurance Company $56/mo $66/mo $77/mo $87/mo
THP Ins. Co $75/mo $91/mo $107/mo $125/mo
Highmark Blue Cross Blue Shield West Virginia $89/mo $107/mo $126/mo $150/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan G Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company Lowest $125/mo $135/mo $158/mo $189/mo
HealthSpring National Health Insurance Company $135/mo $157/mo $182/mo $211/mo
Humana Insurance Company $135/mo $142/mo $166/mo $204/mo
THP Ins. Co $136/mo $167/mo $200/mo $238/mo
Highmark Blue Cross Blue Shield West Virginia $138/mo $157/mo $179/mo $202/mo
Woodmen Of The World Life Insurance Society $162/mo $164/mo $197/mo $247/mo
AFLAC $165/mo $172/mo $207/mo $264/mo
Erie Family Life Insurance Company $167/mo $175/mo $206/mo $239/mo
First Health Life & Health Insurance Company $173/mo $204/mo $235/mo $263/mo
Wisconsin Physicians Service Insurance Corporation $179/mo $213/mo $250/mo $285/mo
State Farm Mutual Automobile Insurance Company $181/mo $222/mo $261/mo $297/mo
AARP - UnitedHealthcare Insurance Company $188/mo $207/mo $254/mo $301/mo
Mutual of Omaha Insurance Company $193/mo $204/mo $241/mo $289/mo
United American Insurance Company $201/mo $260/mo $299/mo $334/mo
Guarantee Trust Life Insurance Company $236/mo $251/mo $298/mo $373/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest High-Deductible Plan G Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company Lowest $33/mo $44/mo $55/mo $65/mo
Humana Insurance Company $46/mo $49/mo $58/mo $71/mo
Mutual of Omaha Insurance Company $49/mo $52/mo $62/mo $74/mo
Woodmen Of The World Life Insurance Society $51/mo $52/mo $63/mo $77/mo
Highmark Blue Cross Blue Shield West Virginia $57/mo $65/mo $74/mo $84/mo
THP Ins. Co $68/mo $98/mo $97/mo $113/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan K Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company Lowest $87/mo $103/mo $119/mo $136/mo
AARP - UnitedHealthcare Insurance Company $88/mo $97/mo $119/mo $141/mo
United American Insurance Company $103/mo $137/mo $153/mo $163/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan L Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
AARP - UnitedHealthcare Insurance Company Lowest $124/mo $137/mo $168/mo $199/mo
Humana Insurance Company $133/mo $157/mo $182/mo $207/mo
United American Insurance Company $145/mo $193/mo $215/mo $228/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Lowest Plan N Rates by Carrier in West Virginia

Non-tobacco rates · 2026 · Lowest available rate per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company Lowest $92/mo $99/mo $119/mo $142/mo
HealthSpring National Health Insurance Company $93/mo $108/mo $125/mo $145/mo
First Health Life & Health Insurance Company $96/mo $113/mo $131/mo $148/mo
Humana Insurance Company $97/mo $108/mo $129/mo $159/mo
AFLAC $114/mo $127/mo $155/mo $200/mo
Woodmen Of The World Life Insurance Society $117/mo $120/mo $145/mo $179/mo
Highmark Blue Cross Blue Shield West Virginia $121/mo $138/mo $157/mo $177/mo
THP Ins. Co $121/mo $149/mo $180/mo $216/mo
Mutual of Omaha Insurance Company $133/mo $147/mo $176/mo $212/mo
Erie Family Life Insurance Company $134/mo $140/mo $166/mo $194/mo
State Farm Mutual Automobile Insurance Company $135/mo $164/mo $195/mo $225/mo
Wisconsin Physicians Service Insurance Corporation $162/mo $193/mo $226/mo $258/mo
AARP - UnitedHealthcare Insurance Company $171/mo $188/mo $231/mo $273/mo
Guarantee Trust Life Insurance Company $184/mo $195/mo $232/mo $290/mo
United American Insurance Company $186/mo $242/mo $280/mo $318/mo

Rates are the lowest available from each carrier for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan A Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company $124/mo $133/mo $156/mo $186/mo
Mutual of Omaha Insurance Company $124/mo $131/mo $154/mo $185/mo
United American Insurance Company $125/mo $154/mo $164/mo $164/mo
State Farm Mutual Automobile Insurance Company $126/mo $158/mo $183/mo $206/mo
First Health Life & Health Insurance Company $141/mo $161/mo $179/mo $190/mo
Wisconsin Physicians Service Insurance Corporation $145/mo $173/mo $203/mo $232/mo
THP Ins. Co $162/mo $189/mo $213/mo $233/mo
Highmark Blue Cross Blue Shield West Virginia $166/mo $188/mo $211/mo $236/mo
Humana Insurance Company $166/mo $186/mo $217/mo $255/mo
AFLAC $167/mo $205/mo $241/mo $277/mo
HealthSpring National Health Insurance Company $178/mo $206/mo $239/mo $277/mo
Woodmen Of The World Life Insurance Society $182/mo $185/mo $222/mo $279/mo
Erie Family Life Insurance Company $187/mo $205/mo $240/mo $274/mo
Guarantee Trust Life Insurance Company $227/mo $241/mo $271/mo $314/mo
AARP - UnitedHealthcare Insurance Company $231/mo $238/mo $250/mo $261/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan B Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $161/mo $188/mo $214/mo $235/mo
United American Insurance Company $176/mo $221/mo $245/mo $249/mo
Humana Insurance Company $265/mo $313/mo $363/mo $413/mo
AARP - UnitedHealthcare Insurance Company $330/mo $339/mo $356/mo $372/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan C Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company $214/mo $272/mo $311/mo $346/mo
Wisconsin Physicians Service Insurance Corporation $216/mo $258/mo $302/mo $345/mo
THP Ins. Co $220/mo $270/mo $322/mo $382/mo
Humana Insurance Company $234/mo $276/mo $320/mo $364/mo
State Farm Mutual Automobile Insurance Company $234/mo $295/mo $342/mo $384/mo
Highmark Blue Cross Blue Shield West Virginia $268/mo $319/mo $372/mo $439/mo
AARP - UnitedHealthcare Insurance Company $293/mo $302/mo $317/mo $331/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan D Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
State Farm Mutual Automobile Insurance Company $144/mo $176/mo $208/mo $236/mo
Highmark Blue Cross Blue Shield West Virginia $151/mo $171/mo $191/mo $214/mo
THP Ins. Co $158/mo $194/mo $234/mo $279/mo
United American Insurance Company $251/mo $325/mo $375/mo $419/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan F Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company $164/mo $173/mo $199/mo $238/mo
Erie Family Life Insurance Company $186/mo $207/mo $239/mo $281/mo
First Health Life & Health Insurance Company $187/mo $219/mo $251/mo $280/mo
AFLAC $197/mo $210/mo $252/mo $306/mo
Woodmen Of The World Life Insurance Society $200/mo $200/mo $236/mo $286/mo
Wisconsin Physicians Service Insurance Corporation $220/mo $262/mo $308/mo $351/mo
HealthSpring National Health Insurance Company $223/mo $258/mo $299/mo $347/mo
THP Ins. Co $227/mo $278/mo $332/mo $393/mo
Humana Insurance Company $230/mo $261/mo $303/mo $354/mo
Mutual of Omaha Insurance Company $235/mo $248/mo $290/mo $351/mo
State Farm Mutual Automobile Insurance Company $236/mo $298/mo $345/mo $388/mo
United American Insurance Company $276/mo $351/mo $401/mo $445/mo
Highmark Blue Cross Blue Shield West Virginia $279/mo $333/mo $389/mo $458/mo
Guarantee Trust Life Insurance Company $288/mo $306/mo $363/mo $455/mo
AARP - UnitedHealthcare Insurance Company $432/mo $445/mo $467/mo $488/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average High-Deductible Plan F Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company $44/mo $58/mo $73/mo $87/mo
HealthSpring National Health Insurance Company $53/mo $61/mo $71/mo $82/mo
Humana Insurance Company $57/mo $68/mo $79/mo $89/mo
THP Ins. Co $86/mo $96/mo $124/mo $146/mo
Highmark Blue Cross Blue Shield West Virginia $106/mo $125/mo $143/mo $167/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan G Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
GPM Health and Life Insurance Company $133/mo $144/mo $168/mo $201/mo
Highmark Blue Cross Blue Shield West Virginia $155/mo $175/mo $196/mo $219/mo
THP Ins. Co $158/mo $194/mo $234/mo $280/mo
Woodmen Of The World Life Insurance Society $162/mo $164/mo $197/mo $247/mo
AFLAC $165/mo $172/mo $207/mo $264/mo
Erie Family Life Insurance Company $167/mo $175/mo $206/mo $239/mo
First Health Life & Health Insurance Company $173/mo $204/mo $235/mo $263/mo
Wisconsin Physicians Service Insurance Corporation $179/mo $213/mo $250/mo $285/mo
State Farm Mutual Automobile Insurance Company $181/mo $222/mo $261/mo $297/mo
HealthSpring National Health Insurance Company $193/mo $224/mo $260/mo $301/mo
Mutual of Omaha Insurance Company $193/mo $204/mo $241/mo $289/mo
United American Insurance Company $201/mo $260/mo $299/mo $334/mo
Humana Insurance Company $202/mo $230/mo $267/mo $311/mo
Guarantee Trust Life Insurance Company $236/mo $251/mo $298/mo $373/mo
AARP - UnitedHealthcare Insurance Company $388/mo $397/mo $394/mo $410/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average High-Deductible Plan G Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
United American Insurance Company $33/mo $44/mo $55/mo $65/mo
Humana Insurance Company $47/mo $52/mo $61/mo $72/mo
Mutual of Omaha Insurance Company $49/mo $52/mo $62/mo $74/mo
Woodmen Of The World Life Insurance Society $51/mo $52/mo $63/mo $77/mo
Highmark Blue Cross Blue Shield West Virginia $74/mo $83/mo $92/mo $101/mo
THP Ins. Co $78/mo $103/mo $103/mo $132/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan K Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $89/mo $106/mo $123/mo $139/mo
United American Insurance Company $103/mo $137/mo $153/mo $163/mo
AARP - UnitedHealthcare Insurance Company $154/mo $158/mo $166/mo $174/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan L Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
Humana Insurance Company $137/mo $162/mo $187/mo $213/mo
United American Insurance Company $145/mo $193/mo $215/mo $228/mo
AARP - UnitedHealthcare Insurance Company $216/mo $222/mo $234/mo $244/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Average Plan N Rates by Carrier in West Virginia

Non-tobacco rates · 2026 averages per carrier

Carrier Age 65 Age 70 Age 75 Age 80
First Health Life & Health Insurance Company $96/mo $113/mo $131/mo $148/mo
GPM Health and Life Insurance Company $98/mo $105/mo $126/mo $151/mo
AFLAC $114/mo $127/mo $155/mo $200/mo
Woodmen Of The World Life Insurance Society $117/mo $120/mo $145/mo $179/mo
HealthSpring National Health Insurance Company $133/mo $154/mo $178/mo $207/mo
Mutual of Omaha Insurance Company $133/mo $147/mo $176/mo $212/mo
Erie Family Life Insurance Company $134/mo $140/mo $166/mo $194/mo
State Farm Mutual Automobile Insurance Company $135/mo $164/mo $195/mo $225/mo
Highmark Blue Cross Blue Shield West Virginia $138/mo $155/mo $174/mo $194/mo
THP Ins. Co $140/mo $174/mo $211/mo $254/mo
Wisconsin Physicians Service Insurance Corporation $162/mo $193/mo $226/mo $258/mo
Humana Insurance Company $167/mo $194/mo $227/mo $264/mo
Guarantee Trust Life Insurance Company $184/mo $195/mo $232/mo $290/mo
United American Insurance Company $186/mo $242/mo $280/mo $318/mo
AARP - UnitedHealthcare Insurance Company $323/mo $332/mo $339/mo $353/mo

Rates are carrier averages for non-tobacco users. Actual rates vary by zip code, health status, and underwriting. Request a personalized quote for exact pricing.

Underwriting & Household Discount Pricing — Plan A in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan A differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $125/mo
w / 6% HHD $147/mo
Standard II w / 20% HHD $187/mo
Standard II w / 6% HHD $220/mo
Standard II $234/mo
AARP - UnitedHealthcare Insurance Company Standard $133/mo
Level 2 $329/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan B in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan B differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $190/mo
Level 2 $469/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan C in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan C differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $169/mo
Level 2 $418/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan F in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $156/mo
w / 6% HHD $183/mo
Standard II w / 20% HHD $234/mo
Standard II w / 6% HHD $275/mo
Standard II $293/mo
AARP - UnitedHealthcare Insurance Company Standard $249/mo
Level 2 $616/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — High-Deductible Plan F in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same High-Deductible Plan F differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $37/mo
w / 6% HHD $43/mo
Standard II w / 20% HHD $55/mo
Standard II w / 6% HHD $65/mo
Standard II $69/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan G in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan G differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $135/mo
w / 6% HHD $159/mo
Standard II w / 20% HHD $203/mo
Standard II w / 6% HHD $239/mo
Standard II $254/mo
AARP - UnitedHealthcare Insurance Company Standard $188/mo
Level 2 $588/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan K in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan K differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $88/mo
Level 2 $219/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan L in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan L differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
AARP - UnitedHealthcare Insurance Company Standard $124/mo
Level 2 $308/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

Underwriting & Household Discount Pricing — Plan N in West Virginia

Age 65 · Non-tobacco · 2026 · Carriers with variable rate classes

Why this matters: Carriers price the same Plan N differently based on two factors — underwriting (health-based rate classes often labeled Preferred / Standard / Select / Level 1–3) and household discounts (a 5–20% reduction when two or more members of a household hold Medigap coverage with the same carrier). Some carriers use only one, some use both, and some apply neither. The same covered benefits can cost 20–40% less depending on which rate class you qualify for. Below are the West Virginia carriers with variable pricing — a licensed UMA agent can help you understand what you’re likely to qualify for before you apply.

Carrier Rate Class (underwriting and/or household discount) Monthly Rate
HealthSpring National Health Insurance Company w / 20% HHD $93/mo
w / 6% HHD $109/mo
Standard II w / 20% HHD $140/mo
Standard II w / 6% HHD $164/mo
Standard II $174/mo
AARP - UnitedHealthcare Insurance Company Standard $171/mo
Level 2 $475/mo

Reading this table: Row labels reflect how each carrier sets its rate classes. Health-based tiers often appear as Preferred, Standard I/II, or Level 1–3. Household discount variants typically include a percentage reference (e.g., w/ 20% HHD). Some carriers combine both dimensions in a single label (e.g., Standard II w/ 20% HHD). Actual rate class assignment depends on your health history, application answers, and whether another household member holds Medigap coverage with the same carrier. Talk to a licensed agent to understand what you qualify for.

RESOURCES

More Information on Medicare Supplement in West Virginia

Yes. West Virginia strictly follows the traditional, federal 6-month Medigap Open Enrollment Period. This critical, one-time window automatically kicks off on the first day of the month you are 65 or older and enrolled in Medicare Part B. For these six months, private insurance companies cannot use medical underwriting, meaning they are prohibited from looking at your health history, charging you higher rates, or denying you a policy due to pre-existing conditions.

For the vast majority of Mountaineers, Medicare eligibility officially begins at age 65. Your main opportunity to enroll is a seven-month window called the Initial Enrollment Period. This timeline kicks off three months before your 65th birthday month, includes the month you blow out the candles, and extends for three months after. While certain individuals can qualify sooner due to specific severe health conditions or long-term disabilities, 65 is the standard milestone for most West Virginians.

Yes. You can absolutely qualify for Original Medicare (Parts A and B) early if you have a qualifying disability and have received Social Security Disability Insurance (SSDI) benefits for 24 months, or if you have been diagnosed with ALS or End-Stage Renal Disease (ESRD). However, there is a local catch: West Virginia law does not require private insurance companies to sell Medigap policies to disabled beneficiaries under age 65. Because companies can choose not to offer them or charge much higher rates, many under-65 qualifiers opt for a Medicare Advantage plan as a temporary bridge until they turn 65, which is when a full, standard Medigap enrollment window automatically unlocks.

You have multiple guaranteed issue rights in West Virginia that shield you from being denied coverage or forced to answer invasive health questions. You automatically trigger these federal protections during your initial enrollment, or during major life shake-ups like an employer group health plan ending or a Medicare Advantage plan leaving your county. On top of that, West Virginia boasts extra state-level protections, including a 63-day window to purchase a plan if you lose your Medicaid eligibility, and an annual right to switch plans via the state's newly established birthday rule.

Yes. Effective June 11, 2026, West Virginia officially rolled out a state-mandated birthday rule. If you have continuously held your active Medigap policy for at least two years (24 months), a 60-day guaranteed-issue window opens up beginning on the first day of your birth month. During this time, you can switch your policy to a plan with equal or lesser benefits with no health questions asked. Keep in mind that you must choose a plan from your current insurer or an affiliated company (unless a comparable plan isn't available), ensuring you can coast down those wild and wonderful country roads with a lower premium.

Before You Compare

Is Choosing the Cheapest Plan Right for Me?

The lowest premium isn't always the best value. Medigap plans are standardized — every Plan G covers the same benefits — but carriers differ in ways that affect your long-term costs and experience:

  • Introductory rates can be misleading. Some carriers offer low first-year premiums that increase significantly at renewal. Ask about a carrier's rate increase history before enrolling.
  • Rate stability matters more than starting price. A carrier that raises rates 3% annually will cost less over 10 years than one that starts lower but increases 8–12% per year.
  • Financial strength protects your coverage. AM Best ratings measure a carrier's ability to pay claims. A financially strong carrier is less likely to exit the market or impose steep rate hikes.

Questions to ask your agent:

  • "What's this carrier's rate increase history over the last 5 years?"
  • "How financially stable is this company?"
Talk to a licensed agent →
Ready to find the right Medicare plan?