Medicare Advantage

Highmark Blue Cross Blue Shield Medicare Advantage in West Virginia for 2027: 10 Plans

CHARLESTON, W.Va. — For plan year 2027, Highmark Blue Cross Blue Shield offers 10 Medicare Advantage plans across West Virginia, according to the CMS Medicare Advantage Landscape Source Files. The lineup includes one HMO and nine PPOs, with one Dual-Eligible Special Needs Plan (D-SNP) in the mix. This article is published by an independent Medicare education site; it is not the government, not affiliated with the government, and not Highmark Blue Cross Blue Shield or any insurance carrier.

What does Highmark Blue Cross Blue Shield offer in West Virginia for 2027?

Highmark Blue Cross Blue Shield offers 10 Medicare Advantage plans statewide in West Virginia for 2027, per the CMS Landscape Source File. Of those, 1 is an HMO and 9 are PPOs. Nine of the 10 plans include Part D prescription drug coverage, and one plan is offered without drug coverage.

Special Needs Plans are a specific category within Medicare Advantage. For 2027 in West Virginia, Highmark Blue Cross Blue Shield lists 1 D-SNP (for people who have both Medicare and Medicaid), 0 C-SNPs (for people with certain chronic conditions), and 0 I-SNPs (for people living in institutional settings). The D-SNP in the table is Highmark Health Options Duals (HMO D-SNP).

For context, 8 other carriers also offer Medicare Advantage plans in West Virginia for 2027, and all carriers together list 70 plans across the state. The full carrier-by-carrier and plan-by-plan tables appear elsewhere on this page.

Which Highmark Blue Cross Blue Shield plans reach the most West Virginia counties in 2027?

The Highmark Blue Cross Blue Shield plan with the widest county reach in West Virginia for 2027 is Freedom Blue PPO Valor (PPO), listed in 55 counties without drug coverage. Freedom Blue PPO Standard (PPO) appears twice in the 2027 file as separate offerings — one in 30 counties and one in 25 counties — both with drug coverage.

Highmark Health Options Duals (HMO D-SNP) is offered in 40 counties with drug coverage. Complete Blue PPO Distinct (PPO) and Complete Blue PPO Signature (PPO) each appear in three separate rows for 2027, offered in 20, 7, and 3 counties respectively, all with drug coverage. Because Medicare Advantage plans are sold county by county, any plan listed statewide may or may not be available where you live. The county-level breakdown is in the table above.

What is new or not returning from Highmark Blue Cross Blue Shield in West Virginia for 2027?

For 2027, Highmark Blue Cross Blue Shield has 0 new plans in West Virginia and 3 plans from 2026 that are not returning, according to the CMS year-over-year comparison. If you are currently in a Highmark Blue Cross Blue Shield plan, the carrier is required to send an Annual Notice of Change (ANOC) describing what, if anything, changes about your plan for 2027 — or telling you that your specific plan is being discontinued.

If you receive a non-renewal notice, you have a Special Enrollment Period to pick another plan, in addition to the regular Annual Enrollment Period. The notice itself will explain your options and deadlines.

How do I check whether a Highmark Blue Cross Blue Shield plan is offered in my West Virginia county and covers my doctors and drugs?

To check whether a specific Highmark Blue Cross Blue Shield plan is offered in your West Virginia county for 2027, use the Medicare Plan Finder at medicare.gov and enter your ZIP code, or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week. The Plan Finder will show which of the 10 plans listed statewide are actually available in your county.

Once you have a shortlist, confirm three things before enrolling:

• Doctors and hospitals: check the plan's provider directory, or call your providers' offices and ask whether they are in-network for the specific 2027 plan name (for example, "Freedom Blue PPO Valor" or "Highmark Health Options Duals").
• Prescriptions: enter each medication, dose, and pharmacy into the Plan Finder to see the plan's formulary and cost-sharing for your drugs.
• Plan rules: read the Summary of Benefits and the Evidence of Coverage for referral rules, prior authorization, and out-of-network coverage.

As an independent education site, we don't quote premiums, copays, networks, drug lists or star ratings here — those details change and should be confirmed on medicare.gov or in the plan's own documents.

What should West Virginia Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, West Virginia Medicare beneficiaries should review their 2027 options during the Annual Enrollment Period, which runs October 15 – December 7, 2026. A choice made in this window takes effect January 1, 2027.

A simple checklist:

1. Read the Annual Notice of Change from your current plan, if you have one. 2. Make a list of your doctors, hospitals, pharmacies, and medications. 3. Run that list through the Medicare Plan Finder at medicare.gov for 2027. 4. Compare Medicare Advantage with Original Medicare (plus, if you choose, a standalone Part D plan and possibly a Medigap policy) so you understand both paths. 5. If you want to enroll, you can do it on medicare.gov, by calling 1-800-MEDICARE, or by contacting the plan directly.

There is no need to rush — the date is fixed, not a sales deadline.

Where can West Virginia residents get free help with Medicare questions for 2027?

West Virginia residents can get free, non-sales Medicare help by calling 1-800-MEDICARE (TTY 1-877-486-2048), which is open 24/7, or by using the tools at medicare.gov. These are run by the federal Medicare program and do not sell insurance.

For Social Security questions — enrollment in Medicare Part A and Part B, premium billing, or Extra Help with drug costs — contact the Social Security Administration at ssa.gov or 1-800-772-1213.