Medicare Advantage

Medicare and Medicaid in West Virginia: 15 Dual Special Needs Plans for 2027

CHARLESTON, W.Va. — West Virginians who have both Medicare and Medicaid will have 15 Dual Special Needs Plans to choose from across the state for 2027, drawn from a Medicare Advantage lineup of 70 plans statewide. The 15 D-SNPs come from seven carriers and are offered county by county, so the list a reader actually sees depends on where they live.

What is a D-SNP in West Virginia and who qualifies in 2027?

A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid, and in West Virginia for 2027 a person qualifies only if the state Medicaid agency confirms their dual-eligible status. That status can be "full" dual (Medicaid covers a broad set of services and cost sharing) or "partial" dual (Medicaid helps with certain Medicare premiums or cost sharing through a Medicare Savings Program).

D-SNPs bundle Part A, Part B and Part D together and coordinate with the Medicaid benefits a member already has. Each plan is designed around a specific slice of the dual-eligible population, which is why some West Virginia D-SNPs are labeled "Full Dual," some "Partial Dual," and some simply "Dual." Eligibility can change if someone's Medicaid category changes during the year, so the West Virginia Bureau for Medical Services is the authority on whether a given person qualifies.

How many D-SNPs are offered in West Virginia for 2027, and which carriers offer them?

For 2027, 15 of the 70 Medicare Advantage plans available in West Virginia are D-SNPs. The state also has 1 Chronic Condition SNP (C-SNP) and 3 Institutional SNPs (I-SNPs) on the 2027 landscape, but those serve different populations.

Seven carriers offer D-SNPs in West Virginia for 2027: Aetna (CVS Health) with 3 plans, Elevance Health (Anthem) with 2, Highmark Blue Cross Blue Shield with 1, Humana with 4, Peak Health with 1, The Health Plan with 1, and UnitedHealthcare with 3. Among those 15 plans, several are new or renamed for 2027. Aetna Medicare Full Dual Extra (HMO D-SNP) and Aetna Medicare Partial Dual (HMO D-SNP) are new for next year, as is PeakPlus Rise (PPO D-SNP) from Peak Health. Aetna Medicare Full Dual (HMO D-SNP) was renamed from Aetna Medicare Advantra Dual (HMO D-SNP). On the UnitedHealthcare side, UHC Dual Advantage WV-V1 (PPO D-SNP) was renamed from UHC Dual Complete WV-V001, and UHC Dual Complete WV-Q1 (PPO D-SNP) was renamed from UHC Dual Complete WV-S001. The full plan-by-plan list, with county counts, appears in the tables on this page.

A note on reach: the number of counties a plan is offered in ranges widely across the 15, and no plan is sold in every county. A plan listed statewide may not be available in a given reader's county.

How often can a dual-eligible person in West Virginia change plans in 2027?

Most people with both Medicare and Medicaid in West Virginia can change their Medicare Advantage plan or stand-alone Part D plan once during each of the first three quarters of the year — January through March, April through June, and July through September — through the Special Enrollment Period for dual-eligible and Extra Help enrollees. The change takes effect the first day of the following month.

Everyone with Medicare also has the Annual Enrollment Period, which runs October 15 – December 7, 2026 for Annual Enrollment 2027. Choices made during that window take effect January 1, 2027. Medicare Open Enrollment 2027 then runs January 1 – March 31, 2027, during which a person already in a Medicare Advantage plan can switch to another Medicare Advantage plan or return to Original Medicare once. Because dual-eligible rules can change, it is worth confirming current SEP rules on medicare.gov before making a switch.

How do I check which D-SNPs are offered in my West Virginia county for 2027?

The most reliable way to see which of the 15 West Virginia D-SNPs are offered in a specific county for 2027 is the Medicare Plan Finder at medicare.gov, which filters by ZIP code and shows every Medicare Advantage, Part D and SNP option available at that address. A call to 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, will produce the same county-level list.

The tables on this page show, for each of the 15 plans, how many of West Virginia's 55 counties list it for 2027. For example, several plans — including Aetna Medicare Full Dual, Aetna Medicare Partial Dual, The Health Plan SecureCare SNP, and the three UnitedHealthcare D-SNPs — are listed in all 55 counties, while PeakPlus Rise is listed in 10. County availability can shift between the CMS Landscape posting and the start of the plan year, so the Plan Finder is the final word.

Where can West Virginians get free help choosing a D-SNP for 2027?

Free, unbiased help is available directly from Medicare. The Medicare Plan Finder at medicare.gov lets a person compare every plan available at their address, including D-SNPs, and 1-800-MEDICARE offers live help around the clock, including language assistance.

For questions about Medicaid eligibility — which determines whether someone qualifies for a D-SNP in the first place — the West Virginia Bureau for Medical Services (the state Medicaid agency) is the authority. For Social Security questions tied to Medicare enrollment, premiums or the Extra Help program, the Social Security Administration can be reached at ssa.gov or 1-800-772-1213. Plan-specific details such as drug coverage, provider networks and extra benefits come from each plan's own Evidence of Coverage and provider directories.