Health Insurance Agency in West Virginia

Health Insurance & Medicare Made Easy for West Virginia

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Why Choose Songer Insurance

Licensed, Local Agents on Demand

National Choice

As West Virginia’s go-to for health insurance, we are part of the largest General Agency in the nation. With over a five decades of experience and expertise in employee benefits, Health Insurance and payroll, our team of over 750 professionals is here to guide you seamlessly.

We Are Local

Our devoted West Virginia-based agents are here to serve you. Request a quote, and one of our prompt agents will be in touch to provide personalized assistance for your insurance needs.

You Don’t Pay for Our Services

Our services are completely free of charge. Whether you choose to purchase a policy through us or directly from an insurance company, rest assured that the premiums for all plans remain the same.

Our Health Plans

We offer a wide range of plans & options

Group Health Plans

From 2-2000 employees, we can help your organization. Our partnerships last for years. Specializing in industry-focused solutions, data, and trends.

Individual & Family Health Plans

Licensed with every carrier in West Virginia and the marketplace we’re your last stop. Call today and speak with a live agent.

Medicare Supplements

We are unbiased Medigap experts, with 10+ years of experience offering free 5-star service. Offering a wide range of Medicare Supplements and RX.

MEDICARE ADVANTAGE PLANS

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow the rules set by Medicare.

Our Insurance Companies

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The Industries Highest Accreditations

Expert Solutions for Employee Benefits, Medicare, Life & Health Insurance

Navigating the complex landscape of insurance choices has become a daunting task for many individuals. We simplify this process, providing expert guidance to help you find the best solutions. Our core focus is employer groups with fewer than 2000 employees.

Our Niche: Tailored Insurance Solutions for Small to Medium-Sized Employer Groups

Whether you are self-employed, unemployed, or without employee benefits, we offer tailored insurance solutions to meet your unique needs. We provide exceptional service to smaller groups and can refer larger groups to trusted partners for equally exceptional service.

Partnering with Top A-Rated Insurance Companies

To ensure the highest quality service for our clients, we work in partnership with top A-rated insurance companies. These companies are known for their commitment to customer service and efficient claim payments.

Guidance on Choosing the Right Insurance Policies for You

Understanding and selecting the right insurance policies can be challenging. Our team of dedicated insurance professionals is committed to helping you make the most informed decisions.

Employee Benefits, Medicare, Life & Health Insurance Simplified

Understanding the nuances of insurance coverage can be overwhelming. We’re here to bring clarity and simplify every aspect of Employee Benefits, Medicare, and Life & Health Insurance.

A Trusted Member of NAHU, Ready to Address Your Concerns

The rapidly changing insurance landscape can bring unforeseen challenges. As a trusted member of the National Association of Health Underwriters (NAHU), we work proactively to anticipate and address these concerns, providing the utmost in client care.

Choice
We currently hold the highest accreditation in the Health Insurance Industry with over 10-years of experience. Songer Benefits is locally owned and operated, our allegiance is with our clients, and we strive every day to do what is most beneficial to them.
Customer Service is a Priority
We take care of our clients like family. We’re here for you – whether to provide a rate, assist with a claim, expand your coverage, or answer questions.
Experience
We are certified by the National Association of Health Underwriters in Self-funding, Level Funding, ACA, Account-Based Health Plans, Advanced Group Benefits, Individual Accounts, Benefits Technology, and Medicare.
Online & In-Person Service
Located on the prominent Harper Road in Beckley, West Virginia. We also serve many of our clients online and over the phone. Call us today to speak about Employee Benefits | Medicare | Life & Health Insurance.
Experienced and Unbiased
Our licensed health insurance agents will help you find the health insurance plan that meets your needs by offering professional and unbiased advice.

Critical Factors in Selecting Health Insurance

An extensive network of providers

We offer an extensive network of providers and over 85 years of experience to provide the knowledge and expertise needed to make the right decision.

Customizable Plans

We understand your situation may be unique and will help tailor a plan to meet your needs.

Excellent reputation

Our agents are licensed and guided by the Songer Benefits Code of Conduct.

What Our Customers Say

West Virginia Healthcare News & Education

Changes to Medicare Part D Creditable Coverage Determination

August 15, 2024

The Inflation Reduction Act of 2022 (“IRA”) made…

Navigating Prescription Drug Plan Gaps: What to Do If Your Medication Isn’t Covered

July 23, 2024

At Songer Benefits, we understand the frustration of navigating…

Understanding the Four Parts of Medicare: Part A, Part B, Part C, and Part D

July 17, 2024

Understanding the Four Parts of Medicare: A, B, C, and D Navigating…

Managing Rising Health Insurance Costs In 2024

July 8, 2024

Managing Rising Health Insurance Costs In 2024 As we progress…

Frequently Asked Questions

What is the top reason people buy their Health Insurance From Songer Benefits?

There are many reasons people choose to buy an insurance plan from Songer Benefits, including:

An extensive network of providers: The companies we use have an extensive network of healthcare providers, including doctors, hospitals, and other healthcare facilities. An extensive network makes it easier for people to find the care they need with a provider of their choice.
Customizable plans: Songer Benefits offers a wide range of insurance plans. Plans can be customized to suit many people, whether you’re an individual, a family, or looking to purchase group health insurance.
Excellent reputation: Songer Benefits has established an excellent reputation, so customers can feel confident purchasing one of their insurance policies.
Great customer service: Songer Benefits provides excellent customer service, answering customer questions and providing the help customers need to organize the right level of coverage.

Why do doctors prefer many of the companies we represent?

Doctors may have different opinions about many of our companies depending on their personal experiences and interactions with the company. However, doctors may generally prefer working with most of our companies for several reasons.

The vast network of providers: Songer Benefits represents companies with one of the largest health insurance providers in the United States, with an extensive network of providers. This means doctors who work with Songer Benefits will likely have access to a larger pool of patients.

Streamlined billing and reimbursement: Our companies have a reputation for efficient and timely billing and reimbursement processes. This can make it easier for doctors to get paid for their services.

Comprehensive coverage: Songer Benefits offers a range of health insurance plans that cover a variety of medical services, which can be beneficial for doctors who provide a range of medical services.

Patient satisfaction: Patients that use our companies are generally satisfied with the company and its services, making them more likely to continue seeing doctors who work with many of our companies. Doctors may prefer working with our companies because of the company’s vast network of providers, efficient billing and reimbursement processes, comprehensive coverage, and high patient satisfaction rates.

What should I look for in my Health Insurance

Coverage: An important consideration when choosing a health insurance plan is the types of coverage included in your plan. Ensure the plan covers all the medical services you and your family may need, such as doctor’s visits, hospital stays, and prescription medications.
Deductible: Your deductible is the amount you pay for health care services covered by your insurance provider before your plan begins to pay. For example, with a $2,000 deductible, you pay the first $2,000 of covered services out of your pocket before your coverage starts. Before signing up for a plan, ensure you’re comfortable paying this amount.
Copay: Your copay is the fixed amount you must pay for certain medical services, such as doctor’s visits or prescription medicine. Each plan has different copay amounts, so check before choosing a plan to help manage your budget. Network: Most health insurance plans offer a network of doctors, hospitals, and other healthcare providers that you can use for covered services. If you’ve got preferred medical providers, check the plan’s network to see if those providers are on the list or make sure those listed are convenient for you.
Cost: It’s essential to consider the cost of health insurance when choosing a plan. Your premiums, deductibles, and copays can all affect the overall cost of a plan. Make sure you compare the costs of different plans and choose one that fits your budget.
Customer service: Choosing a health insurance company with a good reputation for customer service is essential. Getting help to answer your questions can help ensure you make the most of your coverage and get the right plan for your circumstances. Look for a company with multiple communication methods like phone, email, or chat on their website. And one who has a track record of providing good customer service.

Should I enroll myself, or work with an agent?

Choosing the right health insurance plan can be a complex and confusing process. Whether to do it on your own or work with an agent depends on your level of knowledge about health insurance, the complexity of your healthcare needs, and the amount of time you have to devote to the process.

If you are familiar with health insurance and feel confident in your ability to navigate the various plan options, you may be able to find the right plan on your own. However, if you are unsure about the different types of plans available, the benefits and limitations of each, and how to determine which plan will best meet your needs and budget, it may be wise to work with an agent.

An experienced health insurance agent can help you understand the different types of plans available, assess your healthcare needs and budget, and recommend plans that are best suited to your unique situation. They can also provide guidance on the enrollment process, help you understand the fine print of your policy, and assist you with claims and billing issues.

When choosing an agent, it’s important to find someone who is licensed in your state, has experience working with individuals and families, and has a reputation for providing excellent customer service. You can also ask friends, family members, or healthcare providers for recommendations.

Ultimately, whether to do it on your own or work with an agent depends on your individual needs and preferences. If you are comfortable researching and comparing plans on your own. If you value the guidance and expertise of an agent and want to ensure you are making an informed decision, working with an agent may be the smartest way to get the right health insurance plan.