Best Medicare Advantage Plans in West Virginia for 2027
Every general-audience Medicare Advantage plan with drug coverage in West Virginia, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
West Virginia plans, ranked
Showing all 43 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | The Health Plan SecureChoice Optimum (PPO)The Health Plan · PPOAll 55 counties · drug deductible $425Dental up to $1,000/yr · eyewear $150/yr · OTC items $200/yr | $0 | $7,000 | $7,000 | 3★ |
| 2 | Peak Advantage Summit (PPO)Peak Health · PPO44 of 55 counties · drug deductible $0Dental up to $3,500/yr · OTC items $280/yr | $25 | $6,750 | $7,050 | 5★ |
| 3 | Peak Advantage Summit (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $3,500/yr · OTC items $280/yr | $25 | $6,750 | $7,050 | 5★ |
| 4 | Peak Advantage Summit (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $4,000/yr · OTC items $280/yr | $25 | $6,750 | $7,050 | 5★ |
| 5 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO3 of 55 counties · drug deductible $700Dental up to $2,500/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $200/yr | $53 | $6,500 | $7,136 | 3.5★ |
| 6 | AARP Medicare Advantage from UHC WV-0003 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685hearing aids $700/yr | $0 | $7,150 | $7,150 | 3★ |
| 7 | AARP Medicare Advantage from UHC WV-5 (HMO-POS)UnitedHealthcare · HMO-POS17 of 55 counties · drug deductible $685Dental up to $1,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 4★ |
| 8 | Aetna Medicare Advantra Signature (HMO)Aetna Medicare · HMO22 of 55 counties · drug deductible $400Dental up to $1,000/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $140/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 9 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO7 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 10 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO20 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 11 | Complete Blue PPO Signature (PPO)Highmark Blue Cross Blue Shield · PPO3 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $100/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 12 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO7 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $200/yr | $55 | $6,500 | $7,160 | 3.5★ |
| 13 | HumanaChoice H5216-019 (PPO)Humana · PPO20 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $150/yr | $34 | $6,800 | $7,208 | 4★ |
| 14 | Complete Blue PPO Distinct (PPO)Highmark Blue Cross Blue Shield · PPO20 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr · hearing aids $500/yr · OTC items $200/yr | $60 | $6,750 | $7,470 | 3.5★ |
| 15 | Peak Advantage Vista (PPO)Peak Health · PPO44 of 55 counties · drug deductible $0Dental up to $3,000/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 16 | Peak Advantage Vista (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $3,000/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 17 | Peak Advantage Vista (PPO)Peak Health · PPO5 of 55 counties · drug deductible $0Dental up to $3,500/yr · OTC items $220/yr | $0 | $7,500 | $7,500 | 5★ |
| 18 | Aetna Medicare Advantra Enhanced (PPO)Aetna Medicare · PPO18 of 55 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $80/yr | $31 | $7,150 | $7,522 | 4★ |
| 19 | Aetna Medicare Advantra Enhanced Classic (PPO)Aetna Medicare · PPO18 of 55 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $80/yr | $31 | $7,150 | $7,522 | 4★ |
| 20 | The Health Plan SecureCare - Option II (HMO)The Health Plan · HMOAll 55 counties · drug deductible $395Dental up to $1,000/yr · eyewear $150/yr | $13 | $7,500 | $7,656 | 3.5★ |
| 21 | AARP Medicare Advantage from UHC WV-0004 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $51 | $7,150 | $7,762 | 3★ |
| 22 | The Health Plan SecureChoice Reliance (PPO)The Health Plan · PPOAll 55 counties · drug deductible $300Dental up to $1,000/yr · eyewear $200/yr | $67 | $7,000 | $7,804 | 3★ |
| 23 | HumanaChoice H5216-425 (PPO)Humana · PPOAll 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr | $29 | $7,600 | $7,948 | 4★ |
| 24 | HumanaChoice R0110-008 (Regional PPO)Humana · Regional PPOAll 55 counties · drug deductible $700Dental · eyewear $100/yr | $75 | $7,150 | $8,050 | 3.5★ |
| 25 | Humana Gold Plus H5619-113 (HMO-POS)Humana · HMO-POS41 of 55 counties · drug deductible $350Dental up to $3,000/yr · eyewear $100/yr | $0 | $8,100 | $8,100 | 4★ |
| 26 | AARP Medicare Advantage from UHC WV-0001 (PPO)UnitedHealthcare · PPOAll 55 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $700/yr | $85 | $7,150 | $8,170 | 3★ |
| 27 | Freedom Blue PPO Standard (PPO)Highmark Blue Cross Blue Shield · PPO30 of 55 counties · drug deductible $700Preventive dental · eyewear $225/yr · hearing aids $500/yr | $152 | $6,500 | $8,324 | 3.5★ |
| 28 | Humana Essentials Plus Giveback (PPO)Humana · PPOAll 55 counties · drug deductible $700Part B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $9,850 | $8,470 | 4.5★ |
| 29 | HumanaChoice Giveback H5216-328 (PPO)Humana · PPO21 of 55 counties · drug deductible $700Part B giveback $115/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$115 Part B giveback | $9,850 | $8,470 | 4★ |
| 30 | AARP Medicare Advantage from UHC WV-6 (HMO-POS)UnitedHealthcare · HMO-POS38 of 55 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $1,000/yr | $0 | $8,500 | $8,500 | 4★ |
| 31 | Freedom Blue PPO Standard (PPO)Highmark Blue Cross Blue Shield · PPO25 of 55 counties · drug deductible $700Preventive dental · eyewear $225/yr · hearing aids $500/yr | $172 | $6,500 | $8,564 | 3.5★ |
| 32 | Humana Full Access (PPO)Humana · PPO53 of 55 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $121 | $7,150 | $8,602 | 4★ |
| 33 | HumanaChoice H5525-005 (PPO)Humana · PPO8 of 55 counties · drug deductible $700Dental up to $750/yr · eyewear $250/yr | $39 | $8,300 | $8,768 | 4★ |
| 34 | Aetna Medicare Advantra Classic Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 35 | Aetna Medicare Advantra Signature Giveback (PPO)Aetna Medicare · PPO30 of 55 counties · drug deductible $400Part B giveback $33/mo · Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0−$33 Part B giveback | $9,250 | $8,854 | 4★ |
| 36 | Aetna Medicare Advantra Elite (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,750/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $200/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 37 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 55 counties · drug deductible $400Dental up to $1,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $160/yr | $0 | $9,250 | $9,250 | 3.5★ |
| 38 | Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POS43 of 55 counties · drug deductible $325Dental up to $1,000/yr | $0 | $9,250 | $9,250 | Too new to rate |
| 39 | Aetna Medicare Advantra Signature Classic (PPO)Aetna Medicare · PPO18 of 55 counties · drug deductible $400Preventive dental · eyewear $150/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 40 | Humana Gold Choice H8145-052 (PFFS)Humana · PFFS28 of 55 counties · drug deductible $700Dental · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 41 | Humana Value Choice (PPO)Humana · PPO45 of 55 counties · drug deductible $500Dental up to $750/yr · eyewear $100/yr | $0 | $9,850 | $9,850 | 4★ |
| 42 | Aetna Medicare Premier (PPO)Aetna Medicare · PPO33 of 55 counties · drug deductible $400Dental up to $2,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $360/yr | $109 | $9,850 | $11,158 | 4★ |
| 43 | Aetna Medicare Premier Classic (PPO)Aetna Medicare · PPO33 of 55 counties · drug deductible $400Dental up to $2,500/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $360/yr | $109 | $9,850 | $11,158 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 8 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice R0110-007 (Regional PPO)Humana · Regional PPOAll 55 countiesDental up to $2,000/yr · eyewear $300/yr | $0 | $4,750 | $4,750 | 3.5★ |
| 2 | Aetna Medicare Advantra Eagle Plus (HMO)Aetna Medicare · HMO38 of 55 countiesPart B giveback $150/mo · Dental up to $3,000/yr · eyewear $400/yr · hearing aids $500/yr per ear · OTC items $360/yr | $0−$150 Part B giveback | $6,900 | $5,100 | 3.5★ |
| 3 | Freedom Blue PPO Valor (PPO)Highmark Blue Cross Blue Shield · PPOAll 55 countiesPart B giveback $75/mo · Dental up to $2,000/yr · eyewear $200/yr · hearing aids $500/yr · OTC items $400/yr | $0−$75 Part B giveback | $6,000 | $5,100 | 3.5★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 55 countiesPart B giveback $110/mo · Dental up to $5,000/yr · eyewear $250/yr | $0−$110 Part B giveback | $6,500 | $5,180 | 4★ |
| 5 | Humana USAA Honor Giveback (PPO)Humana · PPOAll 55 countiesPart B giveback $170/mo · Dental up to $1,000/yr · eyewear $100/yr | $0−$170 Part B giveback | $9,150 | $7,110 | 4★ |
| 6 | AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS)UnitedHealthcare · HMO-POSAll 55 countiesPart B giveback $170/mo · Dental up to $1,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$170 Part B giveback | $9,300 | $7,260 | 4★ |
| 7 | The Health Plan SecureCare Integrity Plan 1 (HMO)The Health Plan · HMOAll 55 countiesPart B giveback $15/mo · Dental up to $1,000/yr · eyewear $150/yr | $0−$15 Part B giveback | $7,500 | $7,320 | 3.5★ |
| 8 | AARP Medicare Advantage Patriot No Rx WV-MA01 (PPO)UnitedHealthcare · PPOAll 55 countiesPart B giveback $110/mo · Preventive dental · eyewear $150/yr · hearing aids $700/yr | $0−$110 Part B giveback | $9,850 | $8,530 | 3★ |
County pages
Berkeley County · Kanawha County · Monongalia County
Questions
How many Medicare Advantage plans are available in West Virginia for 2027?
CMS lists 43 general-audience Medicare Advantage plans with drug coverage in West Virginia for 2027, from 7 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in West Virginia?
Yes. 22 of the 43 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which West Virginia Medicare Advantage plan has the lowest worst-case cost?
The Health Plan SecureChoice Optimum (PPO) from The Health Plan: $0 a month with an in-network out-of-pocket maximum of $7,000, so at most about $7,000 in premiums and in-network costs for the year. It is offered in 55 of 55 counties.
Which West Virginia Medicare Advantage plans have 4 or more stars?
24 of the 43 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which West Virginia Medicare Advantage plans have a Part B giveback?
4 of the 43 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $115 a month, from Humana Essentials Plus Giveback (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in West Virginia?
The median in-network out-of-pocket maximum among these plans is $7,150. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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