Medicare Advantage (Part C) Plans in West Virginia
How Medicare Advantage Plans Work
Medicare Advantage (MA) plans are offered by private insurance companies approved by Medicare. They include everything Original Medicare covers and may add extras like prescription drug coverage, dental, vision, hearing, and gym memberships. We’ll help you compare plans available in your ZIP code and confirm your doctors and medications are covered.
- Combines Part A, Part B, and often Part D
- Predictable copays instead of 20% coinsurance
- May include dental, vision, and hearing coverage
- $0 premium plans available in many West Virginia counties
- Plans available from leading carriers (Aetna, Cigna, Humana, Mutual of Omaha)
- Annual coverage review available through Songer Insurance
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- Medicare Supplement Plans (Medigap)
- Medicare Part D (Prescription Drug Plans)
- Turning 65 Help
- Dental & Vision Plans
- Group Medicare Coverage
- Health Insurance for Under 65
Types of Medicare Advantage Plans
The Right Medicare Advantage Plan for Your Needs
Each Medicare Advantage plan has different rules, costs, and benefits. Songer Insurance helps you understand your options and choose a plan that fits your health, budget, and lifestyle.
➡️ Medicare Advantage (Part C) Plan Benefits
Medicare Advantage plans combine hospital, medical, and often prescription coverage into one convenient plan. Many options also include dental, vision, hearing, fitness programs, and more — all with predictable costs and out-of-pocket maximums.
- Combines Part A (Hospital), Part B (Medical), and often Part D (Drugs)
- Includes built-in extra benefits like dental, vision, and hearing
- Offers predictable copays and an annual out-of-pocket limit
- Many $0 premium options available in West Virginia
- Choose from HMO, PPO, and Special Needs Plans (SNPs)
- Local, licensed support from Songer Insurance — at no cost to you
Songer Insurance made choosing a Medicare Advantage plan simple. They helped me compare options that included my doctors and prescriptions — and I even found a plan with no monthly premium.
About Songer Insurance
Beckley-based independent agency helping Medicare beneficiaries compare Medicare Advantage, Part D, and Supplement plans across West Virginia.
Service Provided
Personalized Medicare Advantage plan comparisons — HMO, PPO, and $0 premium options — with local, no-cost enrollment help.
Enrollment Timeline
Enroll during your Initial Enrollment Period (around age 65) or during the Annual Enrollment Period (October 15–December 7). Songer Insurance provides year-round guidance for coverage reviews and plan changes.
Download Medicare Advantage Guide
Get our free Medicare Advantage guide to learn how plans work, what benefits to expect, and how to find $0 premium options available in your area.
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Medicare Advantage FAQs
QUESTIONS & ANSWERS
Common questions about Medicare Advantage (Part C) plans in West Virginia.
We understand that Medicare can be confusing, especially when deciding between different Medicare Advantage (Part C) plans. Here are some of the most common questions our West Virginia clients ask when reviewing their options — and how Songer Insurance helps make the process simple and local.
Medicare Advantage plans are offered by private insurance companies approved by Medicare. They combine your Part A (hospital) and Part B (medical) coverage—and often include prescription drug coverage (Part D)—into one convenient plan.
Many plans offer extra perks that Original Medicare doesn’t cover, such as dental, vision, hearing, fitness memberships, over-the-counter allowances, and transportation to medical appointments.
Yes. Several West Virginia counties have $0 premium options, meaning you pay no additional monthly premium beyond your standard Part B premium. Costs and availability vary by ZIP code—we’ll compare plans for you.
It depends on the plan’s provider network. HMO plans usually require you to stay in-network, while PPO plans let you see out-of-network doctors for higher copays. Songer Insurance will confirm your doctors before you enroll.
Most plans include built-in Part D drug coverage. We’ll review your medication list to ensure each prescription is covered affordably and that your pharmacy is in-network.
Initial Enrollment: 3 months before through 3 months after your 65th birthday month.
Annual Enrollment (Oct 15–Dec 7): Review or change your plan for next year.
Open Enrollment (Jan 1–Mar 31): Switch plans or go back to Original Medicare.
Special Enrollment Periods apply if you move or lose other coverage.
Still Have Questions About Medicare?
We’re here to help you every step of the way. Fill out the form below, and a licensed Songer Insurance Medicare expert will contact you for free—no obligation.
Songer Insurance helped me find a Medicare Advantage plan that included my doctors, prescriptions, and even dental — all with no extra premium. They made everything simple! — Mary L., Beckley, WV
Frequently Asked Questions About Medicare Advantage (Part C) Plans
What We Do & How You Benefit!
We’ve helped hundreds of West Virginians navigate Medicare Advantage. Here are answers to some of the most common questions about how we help you compare plans, confirm your doctors, and make the most of your Medicare benefits.
We’re local, independent, and focused on you. We compare all major Medicare Advantage carriers in West Virginia — including Aetna, Humana, Cigna, and UnitedHealthcare — to find a plan that fits your doctors, prescriptions, and budget.
We’ll help you review HMO, PPO, and Special Needs Plans (SNPs). Each plan has different benefits and networks — we make it easy to find one that includes your preferred providers.
We shop all carriers in your area to find $0 premium options and plans with low out-of-pocket costs, ensuring you get the best value possible — all at no cost to you.
Yes. You can schedule a free consultation at our Beckley office, by phone, or through a virtual appointment — whichever works best for you.
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READY TO GET STARTED?
Get Free, Local Medicare Help Today
Our licensed Medicare agents are based right here in Beckley, West Virginia. Whether you’re turning 65 or reviewing your current plan, we’ll help you compare Medicare Supplement (Medigap) options and find the best fit — at no cost to you.
Our Location
330 Haper Park Suite A. Beckley, WV 25801
Our Phone
304-252-2158
Mail Address
info@songerinsurance.com
Get Help With Your Medicare Advantage Plan
We’re here to help you compare your Medicare Advantage (Part C) options — including HMO, PPO, and $0 premium plans — and make sure your doctors, prescriptions, and benefits are all covered. Reach out today for free, local help from Songer Insurance in Beckley, WV.
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See what real clients across West Virginia are saying about their experience with Songer Insurance.
Excellent customer service! Songer Insurance helped our small business find affordable health insurance for our employees.
David L., Oak Hill WV
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Steven and his team made my Medicare enrollment so easy. They explained all my options clearly and helped me pick a plan that saved me money.
Patricia W., Princeton WV
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They actually answer the phone and take the time to help you. Highly recommend for anyone turning 65.
Mary S., Beckley WV
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