Medicare Advantage Plans in West Virginia

Health Maintenance Organization (HMO) Plans

HMO Point-of-Service (HMO-POS) plans are HMO Medicare Advantage Plans in West Virginia that may allow you to get some services out-of-network for a higher copayment or coinsurance.

Preferred Provider Organization (PPO)

PPO Medicare Advantage Plans in West Virginia have network doctors, other health care providers, and hospitals. You pay less if you use doctors, and hospitals.

Private Fee-for-Service (PFFS) Plans

PFFS plans aren’t the same as original medicare or Medigap. The plan decides how much it will pay doctors, other health care providers.

Special Needs Plans (SNP)

Medicare SNPs are Medicare Advantage Plans (like an HMO or PPO). Medicare SNPs limit membership to people with specific diseases or traits.

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Medicare Advantage Plans in West Virginia:

This is another way to get your Medicare Part A and B coverage. Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow the rules set by Medicare.

Most Medicare Advantage Plans in West Virginia include:

Drug coverage (Part D), unlike Medigap Plans. In most cases, you’ll need to use health care providers participating in the plan’s network. These plans limit what you’ll have to pay out-of-pocket each year for covered services. Some plans offer non-emergency coverage out of network but typically at a higher cost.

Remember, you must use your Medicare Advantage Plans in West Virginia card:

To get your Medicare-covered services. Keep your red, white, and blue Medicare card in a safe place because you may need to use your Medicare card for some services.

Also, you’ll need it if you switch back to Original Medicare. Below are the most common types of Medicare Advantage Plans in West Virginia.

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