Updated July 2, 2026
At around $128 per month, West Virginia Plan G premiums rank among the lower figures you will find in the country. The state follows standard federal rules, and the lower cost of living in the region is reflected in what insurers charge.
Things to Know About Medigap in West Virginia
- Plan G in West Virginia runs about $128 a month for a typical new enrollee, though age, sex, tobacco use and insurer all move that number.
- Every Plan G sold in West Virginia covers the same federally standardized benefits, so price and rating method are what actually separate one carrier from another.
- Your 6 month Open Enrollment window in West Virginia opens the month your Medicare Part B coverage starts, and no insurer can turn you down or charge more for health history during it.
- Miss that window in West Virginia and carriers can medically underwrite new applications, which can mean a higher rate or a declined application.
West Virginia Medigap pricing
West Virginia is consistently among the lower-premium states for Medigap, and Plan G is no exception. The plan benefits are federally standardized, so the coverage is identical at every carrier. What varies is the premium and the rating approach. Some carriers in the state use attained-age pricing, which means your rate can rise each year as you get older. Others use issue-age or community-based methods. Asking that question before you enroll can matter as much as the starting price. The Medigap cost calculator estimates West Virginia premiums by age, and the plan comparison tool breaks down what each plan letter covers.
Enrolling in West Virginia
West Virginia does not have state-specific Medigap enrollment rules beyond what federal law requires. Your guaranteed right to enroll without medical underwriting covers the 6-month Open Enrollment Period that begins when you turn 65 and your Part B starts. After that window closes, insurers may require health information for most new applications. Get your enrollment dates from the open enrollment calculator. If you want to compare the financial trade-offs between a supplement plan and Medicare Advantage before you decide, the Medigap vs Advantage calculator walks through the key differences.
FAQs
How much does Medigap Plan G cost in West Virginia?
Plan G premiums in West Virginia run around $128 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
When can I enroll in Medigap in West Virginia without medical underwriting?
Your 6 month Medigap Open Enrollment period in West Virginia starts the month your Medicare Part B coverage begins, and no insurer can deny you or charge more based on health history during that window.