For questions or complaints about the quality of care for a Medicare-covered service, call your local Quality Improvement Organization. Visit Medicare on the web, or call 1-800-MEDICARE (1-800-633-4227) to get the local telephone number. TTD users should call 1-877-486-2048.
Virginia Medicare Supplement Plans - Compare Virginia Medigap Plans
Insurance companies selling Virginia Medigap plans may not use medical underwriting during certain periods of time. Each Virginia Medicare beneficiary has a Medigap Open Enrollment Period, which lasts for six months and begins on the first day of the month that he/she is both 65 years or older and enrolled in Medicare Part B. During this time, insurance companies may not require a health screening to decide whether to accept a Medigap policy application or to charge higher premiums. After this enrollment period, beneficiaries can enroll in Medigap at any time and be subjected to medical underwriting unless they qualify for guaranteed issue rights under a special circumstance. Examples of special circumstances would be when an employment or retirement health plan terminates coverage or a beneficiary moves of a Medigap plan’s service area.
Medicare in West Virginia
If you’re a Medicare beneficiary in West Virginia, you may be wondering about your Medicare coverage options. You can choose to enroll in Original Medicare (Part A and Part B), which is the federally administered program for seniors and certain disabled individuals. Many people qualify for Medicare when they turn 65, but if you qualify by age or having certain conditions (such as Lou Gehrig’s disease or end-stage renal disease), you can get Medicare at any age. You must be an American citizen or have legally and permanently resided in the U.S. for at least five continuous years to be eligible for coverage. If you have Original Medicare, you can also enroll in a Medicare Prescription Drug Plan to get stand-alone prescription drug benefits.
Virginia Medicare Advantage Plans with Part D (Prescription Drug) Coverage
The plans below offer Medicare Advantage and Part D coverage to Virginia residents. Medicare Advantage plans, also known as Medicare Part C, are alternatives to original Medicare. These plans help cover the costs of services provided by hospitals, doctors, lab tests and some preventive screenings. These plans’ Part D component helps cover prescription drugs. Even if a plan’s monthly premium is $0, you would still pay the equivalent of the original Medicare premium. Not all plans shown here will be available to you; enter your zip code to see plans in your area. You can read about whether Medicare Advantage is right for you. If you only want plans with drug coverage, browse Prescription Drug (Part D) Plans.
Medicare Supplement Plans in Virginia
In general, the best time to enroll in Medicare Supplement insurance is during your six-month Medigap Open Enrollment Period. This is the one-time period that starts automatically once you’re 65 or older and enrolled in Medicare Part B. During this period, you have guaranteed-issue rights, meaning you can’t be turned down for Medigap coverage because of pre-existing conditions or health problems. In addition, insurance companies can’t charge higher premiums because of health or require medical underwriting. Once this period is over, you may not have guaranteed-issue rights, and you may have difficulty enrolling in Medigap coverage if you have health problems. In some situations, you may be able to enroll in or switch Medicare Supplement plans with guaranteed issue. For example, if your Medigap plan goes bankrupt or breaks the rules, you may be eligible to enroll in a different plan with guaranteed-issue rights.
Affordable Medicare Plans
Medicare can be quite overwhelming as you sort through your options and try to figure out what healthcare you need. For many of us, it’s the first time we really have to read the fine print, compare plans and understand the different options. But don’t worry, we’ve done the hard work for you and summarized Medicare in simple terms to help you find your best options. Once you have a level of comprehension under your belt, shop and compare Medicare plans to make sure you’re getting the best prices and coverage.
Medicare.gov: the official U.S. government site for Medicare