Content check needed: This page uses the shared state template. West Virginia-specific figures — plan counts, Medigap rating method and the local SHIP contact — still need to be filled in.
Who's Eligible for Medicare in West Virginia?
If you live in West Virginia and meet one of the following, you're likely eligible for Medicare:
- You're age 65 or older
- You're under 65 and have received SSDI for 24+ months
- You have End-Stage Renal Disease (ESRD) or ALS
- You're a U.S. citizen or lawful permanent resident (5+ continuous years)
To enrol in a Medicare Advantage or Part D plan in West Virginia, you must live in the plan's service area at least 6 months of the year.
Medicare Coverage Options in West Virginia
| Coverage Type | What It Covers |
|---|---|
| Original Medicare | Part A (hospital) + Part B (medical); any provider that accepts Medicare |
| Medicare Advantage | All-in-one plans from private insurers; usually includes drug, dental and vision |
| Part D (Drug Plans) | Standalone prescription coverage if you have Original Medicare or Medigap |
| Medigap (Supplement) | Helps pay out-of-pocket costs from A & B; must pair with Original Medicare |
Medicare Advantage in West Virginia
West Virginia residents have access to a broad selection of Medicare Advantage (Part C) plans.
- $0-premium plans are available in much of the state
TODO — plan counts per county: the source site did not state this figure for this state. Confirm the current number with your carrier data before publishing rather than reusing another state’s.
Many plans include benefits such as:
- Dental, vision, and hearing
- Prescription drug coverage (Part D)
- Fitness memberships
- OTC product allowances
- Transportation to medical appointments
Availability varies by county — plan availability changes from one county to the next.
Medigap Plans in West Virginia
TODO — West Virginia's Medigap rating method: the source site did not state this figure for this state. Confirm the current number with your carrier data before publishing rather than reusing another state’s.
Most popular Medigap plans:
- Plan G — broadest coverage (excludes the Part B deductible)
- Plan N — lower monthly premium, with some cost-sharing (copays, no excess-charge coverage)
- Plan F — only for those eligible before Jan 1, 2020
Key facts about Medicare Supplements in West Virginia
- Works with any doctor or hospital that accepts Medicare
- Doesn't include drug, dental, or vision coverage
- Requires a separate Part D plan for prescriptions
Note: Medigap cannot be combined with Medicare Advantage.
Part D in West Virginia: Drug Plans
If you choose Original Medicare or Medigap, you'll need a standalone Part D plan to cover prescriptions.
- Plans vary by ZIP code and formulary
- Deductibles can go up to $615 in 2026
- Most plans are tiered (generic drugs cost less than brand-name)
- The $2,100 annual out-of-pocket cap limits what you can spend on covered drugs
Already on a Medicare Advantage plan? Drug coverage is usually included.
Help for Low-Income Medicare Beneficiaries in West Virginia
If you're on a fixed income, West Virginia offers several support programmes to reduce your Medicare costs:
- Extra Help (LIS) — lowers drug premiums and copays
- Medicare Savings Programs (MSPs) — may pay your Part B premium and other costs
- Medicaid & Dual-Eligible Plans — for those who qualify for both Medicare and Medicaid
- your State Health Insurance Assistance Program (SHIP) — free, unbiased Medicare counselling for West Virginia residents
Not sure if you qualify? We'll help you find out — no pressure, just support.
Medicare Enrollment Periods in West Virginia
| Enrollment Period | When | What You Can Do |
|---|---|---|
| Initial Enrollment Period | 7 months around your 65th birthday | Enrol in Parts A, B, C and D for the first time |
| General Enrollment Period | January 1 – March 31 | Enrol if you missed your IEP; coverage begins July 1 |
| Annual Enrollment Period | October 15 – December 7 | Switch, join or drop Advantage and Part D plans |
| Medicare Advantage OEP | January 1 – March 31 | Make one change if you're already in an Advantage plan |