Your 2026 Guide to Medicare in Beckley, West Virginia
Getting oriented on Medicare in Beckley, West Virginia? This guide covers the four parts, the 2026 enrollment calendar, local plan availability, and how to weigh Medicare Advantage against Original Medicare and Medigap — no sales pitch.
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What’s your ZIP code?
Plan availability is set by your county, so we start here.
How old are you?
This helps match you with options you’re eligible for.
Do you have Medicare Parts A & B?
This affects which Medicare options you can choose.
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Advertising disclosure: MyMedicarePlans.org may be compensated when you contact a partner or licensed agent. Listings are not ranked or endorsed by us, and we do not recommend specific plans. You can also contact Medicare.gov, 1-800-MEDICARE, or your local SHIP.
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The parts of Medicare
Your two main paths
Almost everyone takes one of two directions with Medicare, and neither is universally right — it depends on your doctors, your prescriptions, your budget, and how you like to handle care. In Raleigh County, 43 Medicare Advantage plans from 6 organizations are available this year, alongside standardized Medigap plans and stand-alone Part D coverage — so both paths are open to you locally.
Your Part A and Part B — and usually drug coverage — come through one private plan, within a network and a county-based service area.
You keep nationwide provider freedom and usually add a stand-alone Part D drug plan, plus often a Medigap policy to make your out-of-pocket costs predictable.
This section explains how each path works so you can decide for yourself. We provide educational information only, and we never rank or recommend specific plans.
Explore each part of Medicare in Beckley
The 2026 numbers, from shared to plan-specific
Start with what's fixed for everyone. The standard Part B premium is $202.9 per month in 2026, and Part A is premium-free for most people who paid Medicare taxes long enough while working.
On the drug side, Part D has real guardrails this year: a deductible capped at $615 and, for the first time, a hard $2,100 ceiling on your out-of-pocket costs for covered prescriptions — the old coverage gap is gone.
Higher earners pay more for Parts B and D through an income-related adjustment called IRMAA, which starts above $109,000 in annual income for an individual and is based on your 2024 tax return. Most people fall below that line and pay the standard amounts.
Everything past that is plan-specific: the premiums, copays, and coverage details of an individual Advantage or Medigap plan change from plan to plan and year to year. Rather than quote or rank those, we point you to Medicare's Plan Finder and a licensed agent for your exact numbers.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Where to get free, unbiased help near Beckley
Good Medicare help exists and it's free — you don't have to figure this out solo or pay for guidance.
For truly neutral advice, your State Health Insurance Assistance Program (SHIP) gives free one-on-one counseling from people who aren't selling anything. For official specifics and the Plan Finder tool, go straight to Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048). And a licensed agent can compare options and handle the paperwork with you.
One note on who we are: MyMedicarePlans.org is an independent, privately owned educational resource — not Medicare, not a government agency, and not affiliated with one. Our job is to help you get oriented, then hand you off to the official sources and licensed professionals for plan decisions.