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HomeMedicare SupplementWest VirginiaMedigap in West Virginia for 2027: 26 Insurers and the Plans They Sell

Medicare Supplement

Medigap in West Virginia for 2027: 26 Insurers and the Plans They Sell

CHARLESTON, W.Va. — As West Virginians look ahead to Annual Enrollment 2027, Medicare Supplement coverage — known as Medigap — remains one of the main ways people with Original Medicare limit what they pay out of pocket. Medicare.gov's Medigap policy search for ZIP code 25301 lists 26 insurers selling standardized Medigap policies in the state, together offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.

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Key takeaways

  • Medicare.gov lists 26 insurers selling Medigap in West Virginia for ZIP code 25301, offering standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N.
  • Your personal six-month Medigap Open Enrollment Period starts when you are 65 or older and enrolled in Part B, and during it you can buy any Medigap sold in West Virginia regardless of health.
  • Eleven Medicare Advantage plans offered in West Virginia in 2026 will not be offered anywhere in the state in 2027, which gives affected members a federal guaranteed-issue right to certain Medigap plans.
  • Medigap does not cover prescription drugs, so a Part D plan is selected separately during Annual Enrollment 2027 (October 15 – December 7, 2026).
Medicare SupplementWest Virginia
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in West Virginia
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in West Virginia?

Medigap in West Virginia is private insurance that works alongside Original Medicare, helping pay costs like coinsurance and copays that Parts A and B leave behind. It is not Medicare Advantage. Medicare Advantage (Part C) replaces the way Original Medicare pays claims and bundles coverage through a private plan, often with its own network and extra benefits. Medigap, by contrast, follows Original Medicare: if a provider accepts Medicare, your Medigap policy works. You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time.

Each lettered Medigap plan is federally standardized, so Plan G from one insurer covers the same federally defined benefits as Plan G from another. Price, customer service, and underwriting rules are where companies differ. Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.

Which insurers sell Medigap in West Virginia and which plan letters do they offer?

For ZIP code 25301, Medicare.gov's Medigap policy search lists these 26 insurers and the standardized plan letters each one shows for that ZIP (what is sold can differ by ZIP code and by age, sex, and tobacco use):

Across those 26 insurers, the plan letters sold in West Virginia for this ZIP are A, B, C, D, F, F-HD, G, G-HD, K, L, and N.

What is the six-month Medigap Open Enrollment Period in West Virginia and why does it matter?

In West Virginia, your Medigap Open Enrollment Period is a one-time, six-month window that begins the month you are both 65 or older and enrolled in Medicare Part B. During this window, you can buy any Medigap policy sold in the state from any insurer that sells it, and you cannot be turned down or charged more because of your health history.

Outside that window, insurers in most situations are allowed to use medical underwriting, which can mean higher prices or a denied application. That is why the six-month window matters: it is the period when your choice of insurer is widest and health questions do not stand in the way.

What happens if my Medicare Advantage plan leaves West Virginia for 2027?

West Virginians in a Medicare Advantage plan that is ending get a federal guaranteed-issue right to buy certain Medigap plans. According to CMS Landscape files, 11 Medicare Advantage plans offered in West Virginia in 2026 will not be offered anywhere in the state in 2027. Members of a non-renewing plan can switch to Original Medicare and buy certain standardized Medigap plans without medical underwriting, within the federal time limits.

Guaranteed-issue rights also apply in other situations — for example, when certain employer retiree coverage ends. Medicare.gov lists the specific scenarios, the plans you can buy, and the deadlines that go with each one.

Does Medigap in West Virginia cover prescriptions, or do I need Part D separately?

Medigap sold today in West Virginia does not include prescription drug coverage, so a stand-alone Medicare Part D plan is chosen separately. For 2027, the Part D out-of-pocket cap is $2,400 (it is $2,100 in 2026), the maximum deductible any Part D plan may charge is $700, and the Part D base beneficiary premium — a national figure used in the late-enrollment penalty calculation — is $41.33. Annual Enrollment 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027. The 2027 Part B standard premium and deductible, and the 2027 IRMAA brackets, had not been published by CMS at the time of writing.

How should I compare Medigap policies in West Virginia?

Start with the standardized plan letter — because benefits within a letter are the same across insurers, it makes apples-to-apples comparison possible. Ask each insurer for the premium for your ZIP code, age, sex, and tobacco status; whether the policy uses attained-age, issue-age, or community rating; how it has raised premiums in the past; and what its underwriting rules are if you are outside your six-month window. The Medicare Plan Finder at medicare.gov and the insurer's own documents are the authoritative source for current details.

Where can West Virginians get free help with Medigap and Medicare?

Medicare.gov and 1-800-MEDICARE (available 24 hours a day, seven days a week) are the official places to look up Medigap policies, Part D plans, and Medicare Advantage plans in West Virginia, and to confirm rules on enrollment periods and guaranteed-issue rights.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

How many insurers sell Medigap in West Virginia for 2027?
Medicare.gov's Medigap policy search lists 26 insurers for ZIP code 25301, offering standardized plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, and N. What is available can differ by ZIP code and by age, sex, and tobacco use.
When is the best time in West Virginia to buy a Medigap policy without medical underwriting?
Your personal six-month Medigap Open Enrollment Period, which begins the month you are 65 or older and enrolled in Part B. During that window, insurers in West Virginia must sell you any Medigap policy they offer regardless of your health.
My Medicare Advantage plan is not returning in West Virginia for 2027. What are my options?
You have a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting, within the time limits set by Medicare. Eleven Medicare Advantage plans offered in West Virginia in 2026 will not be offered anywhere in the state in 2027; details on which Medigap plans qualify are on Medicare.gov.
Does Medigap in West Virginia include drug coverage for 2027?
No. Medigap policies sold today do not include prescription drug coverage, so you choose a stand-alone Part D plan separately. Annual Enrollment 2027 runs October 15 – December 7, 2026, with coverage starting January 1, 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 26 insurers listed for ZIP code 25301 and the plan letters each sells.
  • CMS Landscape Source Files: the count of 11 Medicare Advantage plans offered in West Virginia in 2026 that will not be offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardized plan letters, the six-month Medigap Open Enrollment Period, and guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment 2027 dates and the January 1, 2027 effective date.
  • CMS: the 2027 Part D out-of-pocket cap ($2,400), the 2027 Part D maximum deductible ($700), and the 2027 Part D base beneficiary premium ($41.33).
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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