Medicare Supplement Beckley WV: What to Do If Your Premium Is Going Up

If your Medicare Supplement Beckley WV premium has increased this year, you’re not alone. Many Beckley and southern West Virginia seniors are seeing rate hikes on their Medigap coverage. The good news? You have two main options to help lower your costs while keeping dependable Medicare protection.

Option 1: Switch Your Medicare Supplement to Another Company

The first step is to compare your current Medicare Supplement Beckley WV plan with other carriers. Medicare Supplement (Medigap) plans are standardized — meaning Plan G or Plan N offers identical coverage regardless of the company. However, prices vary widely. You might find the same plan for significantly less money with another insurer.

• ✅ You can switch anytime of year — not just during the Annual Enrollment Period.
• ✅ You’ll keep access to any provider that accepts Medicare nationwide.
• ⚠️ Most companies require medical underwriting after your first six months on a policy. Certain health conditions may affect approval.

Before changing carriers, talk to a local licensed agent who understands which companies are more lenient with underwriting. At Songer Insurance, we compare rates from multiple insurers to make sure you’re not overpaying for the same plan.

Option 2: Try a Medicare Advantage Plan with a 12-Month Trial Right

Your second option is to explore a Medicare Advantage plan. These plans often have lower monthly premiums and may include dental, vision, hearing, and prescription benefits. The trade-off is that most Advantage plans use provider networks and may require prior authorization for some services.

However, Medicare gives you a 12-month trial right when you first switch from a Medigap plan to a Medicare Advantage plan. This lets you try an Advantage plan risk-free for up to a year. If you decide you don’t like it, you can return to Original Medicare and buy back your previous Medicare Supplement Beckley WV plan with no medical questions asked.

• ✅ Typically lower monthly premiums than traditional Medigap plans.
• ✅ May include prescription, dental, and vision coverage.
• ⚠️ Limited provider networks — especially in rural parts of West Virginia.
• ✅ 12-month trial right allows you to switch back if you’re unsatisfied.

Which Medicare Option Is Right for You?

If you prefer full provider freedom and nationwide access, staying with or switching your Medicare Supplement Beckley WV plan is likely best. If you want lower monthly costs and additional benefits, a Medicare Advantage plan may be worth considering — especially with your trial right period as a safety net.

Local Help in Beckley and Southern West Virginia

At Songer Insurance, we help seniors throughout Beckley, Raleigh County, and southern West Virginia compare Medicare Supplement and Medicare Advantage options. We’ll explain underwriting rules, Advantage networks, and upcoming CMS changes for 2026 so you can make the most informed decision possible.

📞 Call us today at 304-252-2158 or visit our contact page to schedule your free Medicare review. Our local, no-cost help can save you hundreds a year on your coverage.

Related: Medicare Advantage vs. Medigap — Which Is Right for You?