West Virginia seniors will need to find the best supplemental plan in 2022. The state is changing its medicare supplement plan, and those who want to keep their current coverage will need to switch to a new plan. This can be a daunting task, but we are here to help! In this blog post, we will discuss the different types of plans available in West Virginia and how to choose the right one for you. We will also provide information on when you need to make your decision and what happens if you don’t choose a plan. So, whether you’re just starting to think about supplemental coverage or you’re close to retirement age, read on for all the information you need!
What is Medicare?
Medicare is health insurance for senior citizens over the age of 65, or in some cases for people who are disabled, or who have ESRD (kidney failure). It is the primary health insurance for people who are on it, although It does NOT provide full coverage. There are many gaps in coverage left by Medicare, and that is why people purchase West Virginia Medigap Insurance.
West Virginia Medicare — Learning about West Virginia Supplement Plans is a great way to ensure you are getting the best value for your money when purchasing Medicare Supplemental Insurance. There are many things that you should be aware of when starting to do your research, and the first should be understanding what a West Virginia Supplement Insurance plan is in the first place. “West Virginia Medicare Supplement Insurance” is also called “West Virginia Medigap Insurance” to alleviate any confusion.
How Does Medicare Cover Me?
There are four main parts to the Medicare system:
- Part A (Hospital Coverage)
- Part B (Medical Coverage)
- Part C (Medicare Advantage)
- Part D (Prescription Drug Coverage)
Part A provides coverage for inpatient hospital care, skilled nursing facility (SNF), blood services, and hospice care. Part B provides coverage for medical services, including medical expenses either in or out of the hospital, outpatient hospital treatment, blood services, clinical laboratory services (diagnostic tests), home health care (approved medically necessary skilled care services and supplies), and durable medical equipment like wheelchairs, walkers, etc. Also, Part B also covers some preventive care services. Part C is a replacement for Medicare. It is known as the “Medicare Advantage” plan, or a “Medicare Replacement” policy. Part D is coverage for prescription Medications.
Although It pays a large portion for healthcare expenses, it by far does NOT provide full coverage. For example, Medicare only pays 80% for most medical expenses. Medicare also requires beneficiaries to pay large co-pays, co-insurance, and deductibles for hospitalizations, etc.
Which Insurance is My Best Option?
West Virginia Supplemental Insurance can cover all the gaps in coverage left by Medicare. This is so you are not left paying the deductibles and other out-of-pocket expenses yourself. All Medicare Supplements are designed by Medicare. Benefits of these policies are the same across companies, the only difference is the price they charge.
When comparing West Virginia Medicare Supplement Companies, it is important to understand that there is no reason to pay more money for a certain company over another, because they all provide the same coverage. You must shop around and obtain multiple West Virginia Medicare Supplement Quotes to ensure that you are receiving the very best price that is available to you.
The majority of you go through the hassle of calling multiple West Virginia insurance companies direct. You end up speaking to multiple (and maybe even pushy) insurance agents. But, you can compare multiple quotes from multiple companies directly on our website. If you prefer to speak with someone over the phone, you can call one of our West Virginia Expert Medicare Specialists. We are standing by to walk you through the Medicare maze every step of the way. We can guide you on your best options are. You can call our toll-free number now at (800) 339-4112.
What Are My Other Options?
In addition to a West Virginia Medicare Supplement Plan, you may also want to consider a West Virginia Advantage Plan. These plans are offered by private insurance companies. They are contracted with Medicare to provide you with your Part A and Part B benefits. Many of these plans will offer some additional benefits that Original Medicare does not cover such as dental, vision, and prescription drugs.
Another option for you to consider is a West Virginia Medicare Part D plan. These plans are offered by private insurance companies and they contract with Medicare to provide you with your Part D benefits. These plans will help you pay for your prescription drug costs.
You may also want to consider a West Virginia Long-Term Care Insurance policy. These policies will help you pay for the costs of long-term care services.