Medicare Advantage Plans in West Virginia 2026

Last reviewed: June 2026 · Data sourced from CMS.gov

West Virginia has roughly 39 percent of Medicare beneficiaries in Advantage plans. Charleston and Huntington have the most plan options. Much of the state is rural and mountainous, and Advantage provider networks outside the population centers can be thin and difficult to access.

What to Look for in a West Virginia Medicare Advantage Plan

• ✓ Whether your current doctors and specialists are in-network
• ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
• ✓ Monthly premium and annual out-of-pocket maximum
• ✓ Extra benefits: dental, vision, hearing, fitness programs
• ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
• ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible

2026 Medicare Advantage Costs in West Virginia

Medicare Advantage vs. Medigap in West Virginia

West Virginia's rural and mountainous terrain limits Medicare Advantage networks in many areas. Medigap is commonly chosen by residents who want to access care at larger medical centers in Charleston, Morgantown, or neighboring states without network restrictions.