Songer Insurance

10/26/2026

Before comparing individual or family health plans, get your questions organized. Our new checklist covers household information, income estimates, doctors and prescriptions, costs beyond the premium, and what to confirm before coverage starts.

For neighbors in Beckley, Charleston, Summersville, Lewisburg and our Virginia service area. Read the checklist, then contact our local team if you would like help.

Prepare to compare individual and family health plans with a practical checklist for income, household details, doctors, prescriptions and costs in WV and VA.

10/05/2026

Seeing a specialist outside your hometown? Before choosing a Medicare Advantage plan, check the exact doctor, office location and plan—not just the insurance company’s name.

Our new guide walks through checking provider networks, understanding HMO and PPO differences, and organizing questions when you travel for care in West Virginia or Virginia.

Read the guide:
https://songerinsurance.com/medicare-advantage-doctor-networks-wv-va/

Questions? Contact Songer Insurance in Beckley at 304-252-2158.

Check Medicare Advantage doctors, hospitals and network rules in WV and VA before choosing a plan. Call our Beckley office for a free consultation.

05/04/2026

WV employers — if you’re tired of group health renewals being a mystery, you’ve probably heard about level-funded plans.

Here’s the simple version:

✅ Fully insured = traditional group plan. You pay a premium, the carrier holds most of the claims risk.
✅ Level-funded = often a hybrid approach that can feel predictable monthly, but pricing/renewals can be more connected to your group’s risk and claims.

So is level-funded “better”? Not always — but it can be a great fit when the group is younger and healthier overall, because many level-funded programs price more directly off the group’s risk profile. If your group is older or claims are unpredictable, a fully insured plan can feel safer and simpler.

Here are the questions we recommend asking before you switch:

Is your priority stable budgeting or a long-term cost strategy?
Do your employees need specific doctors/hospitals in WV?
Are you comfortable with renewals being more tied to claim experience?
Would a different plan design (like higher deductible + HSA) help control premiums?

If you want a straight answer, we can help.

Songer Insurance compares level-funded vs fully insured options at no cost and explains it in plain English — so you can choose what fits your business and your employees.

📞 Call Songer Insurance (Beckley, WV): 304-252-2158

04/29/2026

Medicare Supplements can help fill some of the gaps that Original Medicare does not cover, such as deductibles, copays, and coinsurance.

At Songer Insurance, we help you compare Medicare Supplement options in simple terms so you can feel more confident about your coverage.

Have questions about Medicare Supplements? Call Songer Insurance today at 304-252-2158.

04/28/2026

Whether your organization has 2 employees or 2,000, finding the right group health plan shouldn’t feel complicated.

At Songer Insurance, we help businesses explore coverage options that fit their team, budget, and goals — so you can focus on taking care of your people.

Looking for group health plans for your organization?

03/02/2026

Medicare Advantage Open Enrollment in West Virginia ends March 31 — and a lot of folks around Beckley, Raleigh County, Oak Hill, and Princeton don’t realize this window is only for people who are already enrolled in a Medicare Advantage plan.

If you’re in an MA plan right now and something isn’t working (doctor network, prescriptions, copays, prior authorizations, unexpected costs), this is the time to review your options.

Here are a few “quick checks” that usually make the biggest difference:

Doctors & hospitals: Are your providers still in-network for 2026?

Prescriptions: Are your meds covered the way you expected (and at your pharmacy)?

Max out-of-pocket (MOOP): What’s your worst-case cost if you need care this year?

Plan rules: Are prior authorizations delaying your care?

During this period, you can generally:
✅ Switch to another Medicare Advantage plan, OR
✅ Return to Original Medicare (and add a Part D drug plan)

Every person’s situation is different, and plan availability can vary by county — so it’s smart to compare the details before you make a move.

Need help sorting it out? Songer Insurance offers free local Medicare help. We’ll compare your options in plain English and help you feel confident about your decision.

📞 Call Songer Insurance: 304-252-2158
📍 Beckley, West Virginia (serving surrounding areas, too)

Medicare Advantage Open Enrollment West Virginia ends March 31. Learn who can change plans, what you can do, and next steps in WV.

02/24/2026

Big Medicare update for 2026 🚨

Medicare Part D now includes a $2,100 annual out-of-pocket cap for covered prescription drugs. This is a major change that could help many West Virginia beneficiaries better predict their medication costs.

If you’re on Medicare and want to review your options for 2026, Songer Insurance is here to help.

Learn the biggest Medicare Part D changes in 2026, including the $2,100 drug cap, and what West Virginia beneficiaries should review now.

01/08/2026

⏰ Still need health insurance? There’s still time.

If you enroll in health insurance by January 15, your coverage can start February 1 — even if you missed the December deadline.

Many individuals and families across Beckley and Southern West Virginia still qualify for ACA subsidies, and enrollment help is free.

👉 Don’t wait and risk going uninsured.

Still uninsured? Enroll in health insurance by January 15 in West Virginia to get February 1 coverage. Subsidies still available. Free local help.

12/31/2025

Planning ahead for Medicare in West Virginia can save you money and stress.
If you haven’t reviewed your Medicare plan yet, now is the time.

Songer Insurance offers free local Medicare planning to help you understand your options for the year ahead.

📞 Call 304-252-2158
📍 Serving Beckley & all of Southern WV

Medicare Planning for the Year Ahead in West Virginia starts here. Learn 7 smart steps to review coverage, costs, and benefits with free local help.

12/08/2025

Looking for help with your Highmark Blue Cross Blue Shield plan before the end of Open Enrollment?
Most West Virginians are enrolled in a Highmark ACA plan — but many aren’t sure whether they picked the right one, are getting the correct subsidy, or have the best coverage for their needs.

That’s where Songer Insurance can help.
We’re your local Highmark Blue Cross Blue Shield insurance agency in Beckley, offering free, expert help with:

✔ Highmark ACA Marketplace plans
✔ Subsidies & income updates
✔ Medicare Advantage & Supplements
✔ Prescription drug plans
✔ Group benefits for employers

Our latest article breaks down exactly why so many WV families rely on a local agency for support during and after open enrollment.

👉 Read the full article here:
https://songerinsurance.com/highmark-blue-cross-blue-shield-insurance-agency/

Have questions or want a free review of your Highmark plan?
Call us today at 304-252-2158.