Understanding Medicare Supplement Plans in 2026

Medicare Supplement Plans 2026—also known as Medigap—will continue to help West Virginia seniors fill the coverage gaps left by Original Medicare. These plans remain one of the most stable, reliable options for those who want predictable costs and nationwide access to providers without network restrictions.

As 2026 approaches, several updates will affect how seniors choose and compare coverage. The most notable change will be the Medicare Part D out-of-pocket cap of $2,100, which may influence how beneficiaries pair their supplement with a stand-alone drug plan.

Key Updates Affecting Medigap in 2026

• Part D Drug Coverage Changes: The new $2,100 maximum out-of-pocket limit means no enrollee will spend more than this on covered prescriptions—an important factor when choosing a drug plan to pair with your Medigap policy.
• Stable Medigap Benefits: Plan designs like G, N, and High-Deductible G will remain unchanged, continuing to offer the same core benefits West Virginians rely on.
• Premium Adjustments: Insurers are expected to make modest rate increases to reflect inflation and updated medical cost trends.
• Open Enrollment Rules: The best time to enroll remains the six-month window after you first enroll in Medicare Part B, when you can’t be denied for health reasons.

Why West Virginia Residents Still Choose Medicare Supplements

Unlike Medicare Advantage, Medicare Supplement plans do not have provider networks or prior authorization requirements. You can visit any doctor or hospital nationwide that accepts Medicare. This freedom is especially valuable for West Virginia retirees who travel or seek specialty care outside the state.

At Songer Insurance in Beckley, we’ve helped hundreds of clients compare plan options from top-rated carriers like Mutual of Omaha, Aetna, and UnitedHealthcare. Our team ensures every client understands their benefits, drug coverage, and renewal options well before AEP each year.

How to Prepare for Medicare Plan Changes in 2026

Whether you already have a Medigap plan or you’re turning 65 soon, now is the time to review your coverage. The upcoming 2026 Medicare updates make this year’s open enrollment an important one for planning ahead.

Steps to take:

1. Review your current supplement and drug coverage.
2. Compare Medigap rates across carriers for 2026.
3. Check your drug list against the new Part D formulary rules.
4. Consult with a licensed agent for personalized advice.

You can also read our guide on Medicare Advantage vs. Medicare Supplement for more insight into which plan type fits your lifestyle and budget.

Get Help Comparing 2026 Medicare Supplement Plans

Choosing the right Medicare Supplement plan for 2026 doesn’t have to be confusing. The experts at Songer Insurance in Beckley, WV are here to help you compare carriers, rates, and benefits so you can feel confident about your healthcare coverage.

Call us today at 304-252-2158 or visit SongerInsurance.com to schedule a free consultation.