|Plan Type||Est. Premium*|
|Medigap Plan A:||$72.14||(shop rates)|
|Medigap Plan B:||$90.88||(shop rates)|
|Medigap Plan F:||$105.54||(shop rates)|
|Medigap Plan FH:||$41.48||(shop rates)|
|Medigap Plan G:||$92.46||(shop rates)|
|Medigap Plan N:||$73.39||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in West Virginia. You must request a quote to get an exact premium for your situation.
The West Virginia State Board of Insurance has licensed Continental Life Insurance Co (of Brentwood Tennessee) to sell Continental Life Medigap plans (Medicare Supplement insurance) to West Virginia seniors with Medicare benefits. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The underwriter has been selling supplemental insurance in West Virginia for over 20 years. Their plan offerings are outlined below. Continental Life received an A rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
West Virginia seniors with Medicare benefits are eligible to apply for a Continental Life Insurance Co (of Brentwood Tennessee) Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (West Virginia)
- Globe Life Medigap Plan A (West Virginia)
- Medico Medigap Plan A (West Virginia)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in West Virginia from Continental Life Insurance Co (of Brentwood Tennessee). They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (West Virginia)
- Sterling Investors Medigap Plan B (West Virginia)
- UnitedHealthcare Medigap Plan B (West Virginia)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in West Virginia. Continental Life Insurance Co (of Brentwood Tennessee) offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in West Virginia by comparing quotes from these insurance carriers:
- Medico Medigap Plan F (West Virginia)
- Central States Medigap Plan F (West Virginia)
- UnitedHealthcare Medigap Plan F (West Virginia)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Continental Life Insurance Co (of Brentwood Tennessee) offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Forethought Life Medigap Plan G (West Virginia)
- GPM Life Medigap Plan G (West Virginia)
- Sterling Investors Medigap Plan G (West Virginia)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- Central States Medigap Plan N (West Virginia)
- UnitedHealthcare Medigap Plan N (West Virginia)
- United National Medigap Plan N (West Virginia)
You are eligible to apply for a Continental Life Medicare Supplement if you are:
- A resident of West Virginia,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Continental Life offers plans in Charleston, Huntington, Parkersburg, Morgantown, Wheeling and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on