|Plan Type||Est. Premium*|
|Medigap Plan A:||$103.19||(shop rates)|
|Medigap Plan B:||$123.14||(shop rates)|
|Medigap Plan C:||$141.67||(shop rates)|
|Medigap Plan F:||$144.52||(shop rates)|
|Medigap Plan FH:||$55.44||(shop rates)|
|Medigap Plan K:||$67.27||(shop rates)|
|Medigap Plan L:||$94.79||(shop rates)|
|Medigap Plan N:||$118.53||(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.
Humana Insurance Company is licensed in West Virginia to sell Humana Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. A Medicare Supplement protects you from hospital and doctor bills, including deductibles, copayments and coinsurance, that Original Medicare does not pay. This insurance carrier has participated in the supplement insurance market for 8 years and offers a range of plans for West Virginia seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave Humana an A- rating.
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 Humana Insurance Company 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)
- Continental Life 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 Humana Insurance Company . 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)
- Continental Life Medigap Plan B (West Virginia)
- Sterling Investors Medigap Plan B (West Virginia)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Humana Insurance Company offers it in West Virginia. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Central States Medigap Plan C (West Virginia)
- Sterling Investors Medigap Plan C (West Virginia)
- Forethought Life Medigap Plan C (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. Humana Insurance Company 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:
- Continental Life Medigap Plan F (West Virginia)
- Medico Medigap Plan F (West Virginia)
- Central States Medigap Plan F (West Virginia)
Plan K covers the cost sharing for Part B preventive services, the Part A hospital co-insurance and features an additional 365 days of hospital coverage. Plan K covers 50% of the Part A and Part B blood deductibles, the Part B co-insurance, the skilled nursing facility co-insurance, cost sharing associated with the hospice benefit, and the Part A hospital deductible.
Once you reach a total out-of-pocket limit of $4,940 (2015 rates), this plan pays 100% of all cost sharing under Medicare Parts A and B for the rest of the calendar year. If you need to manage your cash flow, Plan K is one way to do it.
Healthy seniors who can take some financial risk should take Plan K into consideration. It's a good alternative to Medicare Advantage. Your risk is about $5,000 per year in out-of-pocket costs. Plan K is offered by Humana Insurance Company in West Virginia. Premiums for a Plan K policy vary a lot so be sure to compare with these carriers:
- UnitedHealthcare Medigap Plan K (West Virginia)
- Bankers Fidelity Medigap Plan K (West Virginia)
- Transamerica Medigap Plan K (West Virginia)
Plan L offers many of the same basic benefits as other plans at a much lower monthly premium. The low premium is available because Plan L covers less of the copayments and coinsurance than other supplemental plans. The good news is that you are covered by an annual out-of-pocket maximum, which limits the amount you will be required to pay, should you need the care.
Plan L is a good option if you need a policy with an affordable premium, but still want a reasonable amount of coverage for a wide variety of services. Plan L is like Plan K, but it covers a higher percentage of your costs, has a lower annual out-of-pocket limit ($2,470 in 2015), and the monthly premium is only slightly higher.
The Medigap Plan L offered by Humana Insurance Company offers all of the basic benefits and pays 75% of your deductibles, skilled nursing care and blood. You are required to pay the Medicare Part B excess charges, and the plan does not offer coverage when you travel outside of the United States. The maximum out of pocket limit for Plan L is about $2,500 (compared to as much as $6,700 with Medicare Advantage). Compare Humana Insurance Company 's Plan L with the premiums from these carriers:
- UnitedHealthcare Medigap Plan L (West Virginia)
- Transamerica Medigap Plan L (West Virginia)
- United American Medigap Plan L (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:
- Continental Life Medigap Plan N (West Virginia)
- Central States Medigap Plan N (West Virginia)
- UnitedHealthcare Medigap Plan N (West Virginia)
You are eligible to apply for a Humana Medicare Supplement if you are:
- A resident of West Virginia,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Humana 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