West Virginia faces serious healthcare issues, ranking 47th in overall healthcare and 45th in senior-related health. In 2012, the Gallup-Hathaway Well-being Index rated it the “most miserable state in the country,” in such categories as emotional and physical health.
According to the Centers for Medicare and Medicaid Services, every Medicare member in West Virginia will be able to pick a Medicare Advantage plan over Original Medicare in 2022. Not only that, but everyone will have access to at least one plan with a $0 premium.
Medicare Advantage has become a popular alternative to traditional Medicare, covering everything that Original Medicare (Parts A and B together) covers along with additional benefits, like prescription drugs, dental, vision, hearing, gym memberships, telemedicine, post-hospital meal delivery and more.
You’ll always pay a premium for Original even if you have a private health plan, but your premium for Medicare Advantage varies. In West Virginia, the average premium for private plans in 2022 is $25.53 a month. That’s nearly a $7 drop over the average for last year.
With broader benefits and potentially lower costs, it’s not surprising that enrollment in Medicare Advantage is on the rise. As of 2020, about 31% of West Virginians with Medicare had chosen Medicare Advantage over Original Medicare, per data from the Kaiser Family Foundation.
In 2021, over 40% of everyone with Medicare now gets their coverage through a private insurer. UnitedHealthcare/AARP, Aetna, Humana and BlueCross BlueShield are among the big carriers in West Virginia.
There will be 46 Medicare Advantage plans available in West Virginia this year, though access to specific plans varies based on where you live in the state.
CMS, state data fact sheet released September 29, 2021
Kaiser Family Foundation, “A Dozen Facts About Medicare Advantage in 2020″
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