West Virginia Medicare Plans
Medicare Supplement (Medigap) Policies
The state requires insurers to offer at least one Medicare supplement policy adults under 65 afflicted with disability.
Mini-COBRA Policies (small group)
West Virginia requires small employers (up to twenty employees) to extend health coverage for eighteen months following termination of employment.
West Virginia Medicare Savings Program
West Virginia has three Medicare Savings Programs.
The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and for couples with a monthly income under $1,355, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A & B
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,622, the state pays premiums for Part B.
- Qualified Individuals (QIs): For individuals with a monthly income under $1,357 or for couples with monthly income under $1,823 the state pays premiums for Part B.
*Data from Medicare.gov
**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
State Health Insurance Assistance Program (SHIP)
West Virginia SHIP provides assistance to Medicare beneficiaries through personal counseling sessions, by telephone, group presentations, and through the media. Counselors are located in the senior centers of all 55 counties and information is provided on a variety of topics, including Part A (hospital benefits), Part B (out-patient services), Part D (prescription drug coverage), preventive services, medigap policies, and Medicare Savings Programs. The program is also able to provide guidance with Medicare billing issues and appeals.
Low-Income Subsidy (“extra-help”) for Prescription Drugs
In 2016, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple)
If you live in West Virginia, consult with one of our MedicareSolutions.com licensed sales agents to get personal assistance that is specific to your area. One of our licensed sales agents can compare West Virginia Medicare Insurance Plans in your area and help you find the best plans that are right for your needs.