Medicare Advantage HMO plans in West Virginia
There are 24 Medicare Advantage HMO plans in West Virginia from 8 carriers, averaging 3.71 out of 5 stars across the 19 plans CMS has rated. 79% of those with a published premium charge $0 a month (19 of 24); beyond the premium, what separates them is network, drug coverage and how much you could owe in a bad year.
Across the 24 HMO plans in West Virginia that publish one, the in-network out-of-pocket maximum has a median of $9,250 and tops out at $9,850 — the ceiling on what you pay in a year for covered in-network care. The mean is $8,800, which sits below the median — the spread is not symmetric, so the median is the better guide.
54% of West Virginia's HMO plans are Special Needs Plans.
13 of 24 plans here are SNPs — restricted to people who also have Medicaid, live in an institution, or have a qualifying chronic condition. If none of those apply to you the field is smaller than the headline count suggests, so filter them out before comparing.
5 of West Virginia's HMO plans carry no star rating yet.
CMS rates a contract, not a plan, and does not rate one that is too new or has too little data — so 5 plans here shows no rating at all. Unrated is not the same as badly rated; it usually means a new contract, and those plans have to be judged on benefits and network instead.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Top-rated HMO plans in West Virginia
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| AARP Medicare Advantage from UHC WV-5 (HMO-POS)UnitedHealthcare | 4★ | $7,150 | $0 |
| UHC Complete Care WV-7 (HMO-POS C-SNP)UnitedHealthcare · Chronic or Disabling Condition SNP | 4★ | $7,150 | $0 |
| Humana Gold Plus H5619-113 (HMO-POS)Humana | 4★ | $8,100 | $0 |
| AARP Medicare Advantage from UHC WV-6 (HMO-POS)UnitedHealthcare | 4★ | $8,500 | $0 |
| AARP Medicare Advantage Patriot No Rx WV-MA2 (HMO-POS)UnitedHealthcare | 4★ | $9,300 | $0 |
Showing 5 of 24. See all West VirginiaMedicare Advantage plans →
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| Aetna MedicareCVS Health Corporation | 7 | 3.5 | 3 |
| HumanaHumana Inc. | 4 | 4.0 | 3 |
| UnitedHealthcareUnitedHealth Group, Inc. | 4 | 4.0 | 1 |
| The Health PlanThe Health Plan of West Virginia, Inc. | 3 | 3.5 | 1 |
| WellpointElevance Health, Inc. | 3 | — | 2 |
| Communicare AdvantageSNP Holdings, LLC | 1 | — | 1 |
| Highmark Blue Cross Blue ShieldHighmark Health | 1 | — | 1 |
| West Virginia Senior AdvantageSNP Holdings, LLC | 1 | 3.5 | 1 |
How HMO compares
States with similar HMO star ratings
West Virginia Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in West Virginia?
What are the star ratings for West Virginia HMO plans?
How many Medicare Advantage HMO plans are available in West Virginia?
Do West Virginia HMO plans include prescription drug coverage?
What is a Special Needs Plan, and are there any in West Virginia?
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