Songer Insurance

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.

11/20/2025

2026 Medicare Part B premiums and deductibles are going up. CMS has released the new numbers, and they affect most West Virginia Medicare beneficiaries. Want to see how these changes impact your Medicare Supplement or Advantage plan? Visit our Medicare page for free local help:

2026 Medicare Part B premiums and deductible are rising. See what West Virginia residents need to know and how Songer Insurance can help—free local guidance.

11/20/2025

Turning 65 while still on your employer’s group health insurance? With group plan premiums rising across West Virginia, this is the perfect time to review whether staying on employer coverage or switching to Medicare makes more financial sense.

Many employees in Beckley and surrounding areas are surprised how much they can save once they compare their group health plan to Medicare — especially with the major Medicare drug cost changes coming in 2026. Medicare will cap prescription drug out-of-pocket costs at $2,100, which can dramatically reduce expenses for anyone taking brand-name or specialty medications.

If you’re weighing your options, here’s what you should be looking at:

• Your monthly employee premium
• Your deductible and out-of-pocket maximum
• The cost difference with a Medicare Supplement
• Whether a Medicare Advantage plan could offer a $0 premium option
• How the upcoming Medicare changes will impact your prescriptions
• Whether your employer has fewer than 20 employees
• Whether your spouse needs to stay on your group plan

Every situation is different — but most people turning 65 in West Virginia benefit from at least reviewing their Medicare choices.

Songer Insurance offers completely free help for local residents. We’ll compare your group plan against Medicare Supplement and Medicare Advantage options so you can choose what’s truly best for your coverage and your wallet.

If you’re turning 65 soon, now is the right time to take a closer look at your options.

Medicare vs Group Health Insurance—learn how West Virginia employees should compare costs, coverage, and benefits when turning 65.