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Medicare Supplement Plans in Wyoming

Medicare Supplement plans in Wyoming are intended to fill in the gaps in a person’s Medicare coverage. While Medicare benefits can cover a large portion of your medical expenses, it’s not comprehensive. There are currently 10 different Medigap plans to choose from, each designed to fit a particular set of needs. It’s important to note that not all insurance companies will offer all plans, so it’s best to call several and compare. You must be enrolled in Medicare Part A and Medicare Part B to to be eligible.

Medicare usually covers most of a person’s healthcare costs, but it doesn’t cover everything.

You may wind up paying fees like:

  • deductibles
  • coinsurance
  • copayments
  • long-term care
  • out-of-country treatments

These costs can get excessive, especially if you have significant healthcare needs. Medicare Supplement insurance plans are designed to help offset these costs. Medicare beneficiaries purchase a Medigap plan through private insurance companies.

It’s important to note that Medigap plans don’t cover prescriptions. You’ll need a Prescription Drug Plan, like a Medicare Part D plan to cover medications.

Find Plans in Your Area
 

Top five Medigap Plans by popularity:

Medicare Supplement Plan F

Medicare Plan F is one common Medigap plan in Wyoming because it offers the most comprehensive coverage. Plan F usually has higher premiums than the other plans, but it’ll take care of most costs not covered by Medicare Part A or Medicare Part B.

You’ll need to have Original Medicare to be eligible for Plan F. The plan is currently being phased out, so you won’t be able to get it unless you enrolled in Medicare before January 1, 2020.

Medicare Supplement Plan G

If you aren’t eligible for Plan F, then Medicare Plan G is the second-best option. It’s available to beneficiaries who enrolled in Medicare after January 1, 2020.

While it doesn’t cover quite as much as Plan F, Plan G will give Wyoming residents coverage over everything except for the Medicare Part B deductible. It does cover the Medicare Part A deductible.

If you have the option between Plan G and Plan F, then you’ll have to weigh out whether you want to save on premiums (Plan G) or have the most comprehensive coverage (Plan F).

Medicare Supplement Plan N

If you want the most comprehensive coverage but aren’t willing to pay the high premiums, Medicare Plan N is a good option. You’ll have to compromise on some of the benefits, but it may be worth it.

Plan N will require you to pay some copays. A doctor’s office visit will have a copay of up to $20. A visit to the ER has a copay of up to $50. However, if you wind up being admitted, the copay is waived.

High Deductible Plan F

If you qualify for Plan F and like the coverage it provides yet don’t want to pay the high monthly premiums, you may opt for the High Deductible Plan F.

While the monthly premiums are much lower, you’ll be required to meet the deductible of $2,490 before the supplemental coverage kicks in. This program is good for those who want to be covered in case they need more health care than they originally thought but don’t want to pay a higher monthly premium.

High Deductible Plan G

If you’re not eligible for the High Deductible Plan F, then you may be able to get supplement plans in Wyoming through High Deductible Plan G.

This plan also saves you on monthly premiums and the benefits don’t kick in until you’ve met the $2,490 deductible. You’ll then have all the benefits of Plan G.

Medicare Supplement Insurance cost in Wyoming

Supplement pricing is dependent on a lot of factors, including age, gender, location and whether or not you smoke. While Medicare can’t charge based on pre-existing conditions, Medigap can, but only if you’re outside of the enrollment period.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan G$111.48 - $171.02
Plan N$93.64 - $139.11

When can I apply for a Wyoming Medicare Supplement plan?

The Medigap Open Enrollment Period differs from the Medicare Open Enrollment Period. The enrollment period occurs once you have Medicare Part B and you’re 65 or older. You’ll have a six-month window to purchase your Medigap insurance. During this period, you can purchase any supplement plan offered by private health insurance companies in Wyoming.

You may or may not be able to buy Medigap after this period. If you can, your premium will be higher and you may have to pay more based on your age and pre-existing conditions.

You also have guaranteed issue rights, meaning that if your situation changes, the insurer is still required to sell you Medigap insurance without making you wait a period of time if you have a pre-existing health condition. Changes in situation can include moving to another state or your Medicare insurance company ending your plan through no fault of your own.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

FAQ:

When can I change Medigap plans?

You can change your Medigap plan during the six-month open enrollment period if you’re unsatisfied, making this a good time to compare plan benefits.

After the six-month window, it’s more challenging to change your plan unless you meet the guaranteed issue rights. If you don’t meet the guaranteed issue rights, you CAN change whenever you want. You will, however, be subject to medical underwriting and may not be approved for the new plan, so you will not want to cancel your existing plan until you get notification of approval for the new plan.

Can I be denied Medigap coverage?

You cannot be denied during the six-month enrollment window, but after that, insurance companies have the right to deny coverage unless you meet guaranteed issued rights.

Related Topics

Wyoming State Links

Wyoming Medicare Resources

Key Take Aways
  • Many people who have Medicare plans elect to get Medicare Supplement plans in Wyoming. These plans are also known as Medigap, as they fill in the "gaps" in a Medicare plan.
  • There are 10 Medicare Supplement Plans in Wyoming to choose from.
  • In Wyoming, Medicare Supplement Plan G is the most popular plan for 2022.