Medicare Plan F is Going Away in 2020
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in West Virginia. However, if you get a Plan F policy in West Virginia now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
Join a West Virginia Medicare Part D Plan for Rx Coverage
A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a West Virginia Medicare Part D plan.
West Virginia Medicare Supplements are Regulated by Law
By law, all Medicare Supplements sold in the state of West Virginia are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
All supplements sold in West Virginia offer the basic benefits of Plan A. All other plans include additional levels of gap coverage. This lets you to select the amount right coverage for your personal needs.
Each carrier decides which plans it wants to issue. State law mandates that:
- Carriers are not required to offer every plan;
- Carriers must offer Plan A (basic benefits); and
- Carriers must also offer Plan C or Plan F.
To learn more you can visit your state's Department of Insurance website at http://www.wvinsurance.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of West Virginia dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in West Virginia is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
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