Medicare plans in Beckley, West Virginia.

If you live in Beckley, West Virginia, and are new to Medicare, you need to know your options. Various Medicare Advantage, prescription drugs, and Medigap plans are available.  


Depending on your medical conditions, you can get complete coverage through a Medigap (Medicare Supplement) insurance plan. Enrollment into Medicare supplements requires eligibility for Medicare, including parts A and B. 


When you become eligible at age sixty-five. Your initial enrollment period for Medicare will start three months after birth and continues for three months after your birthdate. 


Don’t confuse this with Medicare open enrollment or the annual enrollment period, an annual window from October 15 to December 7. You could review your insurance coverage and make changes if needed during this time.


Assume you’re under 65 but enrolled in Medicare because you’re receiving Social Security benefits. In that matter, you get coverage on your 25th month of disability. Once your Part B benefits typically take effect, your seven-month window will begin.

Medigap plans in Beckley

There are “gaps” in Original Medicare coverage or things you must pay because Medicare usually doesn’t. These are often deductibles and copays, but Medicare leaves out other costs. This is where a Medigap plan becomes very important. 


Costs covered by Medigap can include: 


  • Hospice care
  • Part B Medicare deductible
  • Skilled nursing facility care coverage
  • Medicare Part A Medicare deductible
  • Medical costs acquired while traveling overseas
  • First three pints of blood
  • Coinsurance and hospital expenses after Part A’s deductible
  • Part B excess expenses (the difference between what a doctor can charge and the Medicare-approved amount)


Some plans cap the amount of out-of-pocket expenses involved in Medicare.


Open enrollment for Medigap starts the first day you are 65 and enrolled in Medicare Part B and ends six months after. This is the best time to buy a Medicare Supplement because you can enroll without having to answer any health questions, and it’s a guaranteed issue.


You can enroll in a Medigap plan soon after you’re enrolled in Part B. However, you’ll be exposed to health questions following open enrollment. 


Call Songer Benefits to confirm your eligibility if you’re under 65 but enrolled in Medicare.


Medicare Advantage plans in Beckley.

Medicare Advantage (Part C) plans must cover everything Original Medicare in Beckley does. Plus, they offer dental, vision, hearing, and well plans (such as gym memberships). Some Advantages include other benefits like prescription drugs, adult day care, transportation to doctor’s offices, and more.   


Sometimes, Medicare Advantage plans have a $0 premium, indicating no additional cost. 


There are many Medicare Advantage plans available in Beckley. For more information, give Songer Benefits a call. 

Medicare Part D plans in Beckley.

Medicare supplement plans in Beckley don’t cover prescription drugs — unless you have a separate Part D plan with it. 


Every prescription drug plan must supply a standard level of coverage that Medicare sets every year. 


Part D policies feature a list of covered drugs, referred to as a formulary. If the provider changes the formulary, they must send you a notice. 


There are many prescription drug plans available in Beckley, WV. If you need help discovering one that covers all your medications, call Songer Benefits.