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Medicare Supplement Plans in Wyoming

You’ve enrolled in Medicare Part A and Part B or will soon take that step, and you’re interested in signing up for a Medicare Supplement plan in Wyoming. This is a smart decision that may save you money for years to come while giving you the freedom to select your preferred doctors.

Medicare Supplement plans are often referred to as Medigap policies because they’re designed to cover your out-of-pocket expenses after your Original Medicare is billed. You pay one monthly premium rather than paying deductibles, copayments, and coinsurance throughout the year. There are 10 Medigap plans standardized by the federal government, but not all insurance companies offering Medicare Supplement plans in Wyoming will offer all of them. Let’s take a closer look at how Medicare Supplement plans work in Wyoming, hopefully answering your questions along the way.

Medicare Supplement Plans in Wyoming: Enrollment Statistics

  • The five largest counties in Wyoming include Sweetwater County, Fremont County, Carbon County, Park County and Natrona County.
  • Medicare beneficiaries make up 15 percent of the Wyoming population. In 2015, this equaled just over 95,000 people. Of those beneficiaries, 2 percent also receive Medicaid for additional financial assistance.
  • In 2015, more than 43,000 Wyoming Medicare enrollees were also enrolled in Medicare Supplement plans.
  • More than 40 percent of Wyoming Medicare beneficiaries suffer from depression. Close to 40 percent suffer from no chronic conditions.
  • The State of Wyoming pays more than $8,000 each year on behalf of each Medicare beneficiary.

Which Medicare Supplement Plans are Available in Wyoming?

There are 10 Medicare Supplement plans standardized by the federal government, and Plan F has a high-deductible option. Insurance carriers aren’t required to offer all of these plans, so the number of Medicare Supplement plans carried by each company varies. Here are the facts that you need to know about the Medicare Supplement plans in Wyoming:

  • Wyoming follows the standardized Medigap plan system, so the benefits offered under each plan are the same regardless of your chosen insurance carrier. It’s important to compare quotes online, but you don’t have to compare benefits.
  • All insurance companies offering Medigap policies are required to offer Medicare Plan A.
  • If an insurance company offers any Medigap plan beyond Plan A, they’re legally required to offer Plans C and F.
  • Medicare Plan F is the most popular Medigap plan. It’s also the most comprehensive and the most expensive. This is your best option if you want to pay one monthly premium to eliminate most if not all of your out-of-pocket expenses.
  • Medigap Plan N and Plan D have the same benefits except for the coverage for Medicare Part B coinsurance. Plan D covers all Part B coinsurance expenses while Plan N may require a copayment of no more than $20 for office visits and an emergency room copayment of up to $50.

How Does A Medicare Supplement Plan Cover Prescription Drugs?

Medicare Supplement plans do not include a Medicare prescription drug plan. None of the standardized Medicare Supplement plans in Wyoming include prescription drug coverage, so you will need to explore your options for separate prescription drug policies.

For most seniors, this means enrolling in Medicare Part D. Once you’re enrolled in Medicare Part A and Part B, you’re eligible to sign up for this part as well. It is dedicated entirely to prescription medication, and you will need to compare Part D quotes online and then select an insurance company just as you do when selecting the best Medigap plan insurance provider. You will pay separate premiums for you Part D and a Medicare Supplement plan in Wyoming.

Do you need financial help paying for your prescription medications or other medical expenses? Look at the resource section at the end of this page for links to Wyoming programs that may help.

Medicare Supplement Plans in Wyoming: When Can I enroll?

You’re eligible to apply for a Medicare Supplement plan in Wyoming once you’ve reached the age of 65 and have enrolled in Original Medicare. The best time to enroll is during your initial enrollment period, but you may qualify for special enrollment at other times. Here is what you need to know about the Medigap open enrollment period:

  • Your initial open enrollment period starts the first day of the month in which you turn 65. It will remain open for six full months.
  • During this open enrollment period, insurance companies are legally required to accept your application for any Medicare Supplement plan in Wyoming.
  • As long as your premiums are paid on time each month, your insurance company cannot cancel your Medigap plan at any point in the future.
  • When applying for a Medigap plan during this initial period, your health history and pre-existing conditions cannot impact your rates. If you have a chronic condition that would otherwise increase your premium, it’s important to enroll in a Medigap plan during your open enrollment period.

If you already have adequate health insurance when you turn 65 and choose not to enroll in a Medicare Supplement plan at that time, you may qualify for a special enrollment period later in life. If special circumstances don’t apply to your situation and you miss the initial enrollment opportunity, you can still apply for Medigap coverage at any time.

You will need to answer questions regarding your medical history when applying outside of your initial or special enrollment periods. The insurance company has the right to increase your rates or deny you a policy based on your medical history. This is why it’s so important to enroll in a Medicare Supplemental plan in Wyoming during the initial period if at all possible. Also, remember that an issue-age policy will deliver higher premiums if you enroll at a higher age.

Can I Use My Wyoming Medicare Supplement Plan In Other States?

Flexibility and the right to choose your doctors are two of the biggest benefits of enrolling in a Medicare Supplement plan in Wyoming. There are no networks that restrict your plan, so you can see any doctor in the United States as long as they are authorized to accept Original Medicare.

Since your zip code is used to determine Medigap rates, you may notice a change in your premium if you move. This has no impact on your ability to see any doctor you choose within or outside of your home state.

Wyoming Medicare Resources: