Medicare Supplement (Medigap) Plans in Wyoming

Medicare Supplement plans in Wyoming, also known as Medigap, provide coverage that covers expenses left by Original Medicare (Medicare Part A and Part B). Residents of the Equality State have 12 Medigap plans to choose from as their supplemental coverage. However, the availability of these plans will vary based on your ZIP Code.

There are many options to choose from, and depending on your medical needs, you’ll need to determine which plan works best for you.

Furthermore, some Medicare Advantage plans provide better coverage for some beneficiaries. Let’s explore Wyoming Medicare Supplement plans, additional coverage options, and how these plans can benefit you.

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Best Medicare Supplement Plans in Wyoming

Determining the best Medicare Supplement plan is difficult because everyone has different healthcare needs. There are many different options for coverage, and while Medigap plans are the same from carrier to carrier, how much you pay will vary. Your coverage is the same whether you live in Cody or Cheyenne, WY.

Even though the best Medigap plan depends on your needs, three options are the most popular among Wyomingites. The most popular plans across Big Wyoming are Medicare Supplement Plan F, Plan N, and Plan G.

Medigap Plan F offers the most comprehensive form of coverage, offering benefits that include paying the cost of copayments, coinsurances, and deductibles for Original Medicare (Medicare Part A and Medicare Part B).

It’s important to understand that Plan F is only available to beneficiaries that qualified for Medicare before January 1, 2020, which is a large part of why Medicare Supplement Plan G is such a popular option. Medigap Plan G will cover everything you expect with Plan F, except your Medicare Part B deductible.

Finally, Medicare Supplement Plan N is an excellent option for beneficiaries that don’t mind copayments when visiting the doctor or Emergency Room. If hospital admission happens, the Emergency Room copayment is waived.

Also, Medigap Plan N doesn’t provide coverage for the Part B deductible or any Part B excess charges that can occur when your healthcare provider doesn’t accept Medicare Assignment.

Most doctors accept Medicare Assignment, which is why Medigap Plan N is an excellent choice for seniors who receive less medical care and are looking to save on premiums. For those who require more healthcare benefits, Medigap Plan G, or Plan F for those eligible, can be the best option.

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The Cost of Medicare Supplement Plans in Wyoming

Your cost of premiums for Medicare Supplement Plans in Wyoming is based on several factors. Primarily, insurance carriers will look at your age, gender, and tobacco usage when determining your rates.

Men generally pay more than women, while non-smokers catch a break on costs, and older people will have elevated rates. Of course, the more coverage you have, the higher your premiums will also be.

To gain a better understanding of the costs for Wyoming Medigap plans, we’ve created the Medigap cost comparison chart for residents of the Cowboy State. Our methodology compares a 65-year-old male and female to a 75-year-old male and female in the same ZIP Code of Wyoming. None are smokers:

  Female, No Tobacco, Wyoming ZIP Code 82001  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $117-$411* $151-$499*
Medicare Supplement Plan G $101-$391 $128-$391
Medicare Supplement Plan N $74-$328 $95-$328
  Male, No Tobacco, Wyoming ZIP Code 82001  
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $131-$463* $170-$555*
Medicare Supplement Plan G $116-$441 $144-$441
Medicare Supplement Plan N $83-$371 $105-$371

* If on Medicare before 01/01/2020

Remember, when you compare Medicare Supplement plans in Wyoming, your age determines how much you pay for your coverage. This is why it’s crucial for seniors to enroll during their Medigap Open Enrollment Period when turning 65, as this will provide a lower premium.

Now, if you miss this enrollment period, but you lost creditable coverage or moved, you may be eligible for a Special Enrollment Period. Otherwise, you’ll go through Medicare Supplement underwriting questions when you submit your policy.

Wyoming Medicare Supplement plans use either an Issue Age Rating or Attained Age Rating for determining their premium. When you enroll, you’ll be responsible for paying the cost of premiums and the out-of-pocket costs outlined by your Medigap plan.

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Wyoming Medicare Eligibility Under 65

The Wyoming Department of Insurance doesn’t require Medigap companies to offer plans to those under 65. But, some companies will offer select policies to those on disability.

However, the cost of a Medigap plan for someone under 65 is usually much higher because the insurance company knows that a disabled person is more likely to have higher medical claims.

Although, upon turning 65, you can enroll in Medigap with Guarantee Issue rights. Until then, the best option could be a Medicare Advantage plan. Speaking with a licensed Medicare agent can help you find the best choice for your healthcare.

What Is the Best Insurance Company in Wyoming for Medigap?

The best company for Medigap in Wyoming will be the carrier that provides you with the benefits you need at the lowest cost. Unlike Original Medicare, these benefits are provided by private insurance companies and can vary in price. Here are some of the top carriers in the state and just some of the ways they provide value to their customers:

  • Aetna offers its clients a 30-day free look period.
  • Bankers Fidelity is known for its client-focused approach, providing exceptional customer service.
  • Blue Cross Blue Shield (BCBS) of Wyoming is known for having many discounts, including prepayment discounts, automatic billing discounts, and more.
  • Capitol Life
  • Cigna allows qualifying seniors to pre-enroll in their policy 90 days before their effective date.
  • GPM, also known as Government Personnel Mutual, is known for its wide range of plans featuring offerings for many healthcare needs.
  • Humana offers both a SilverSneakers membership and the Go360 Wellness program.
  • Lumico Life Insurance is known for its quick turnaround on claims with the average process lasting only four days.
  • Manhattan Life discounts spouses and partners over the age of 60 who have been living together for more than 12 months.
  • Mutual of Omaha has a Mutually Well gym membership option that is popular with seniors.
  • National General discounts household premiums by 7% for those who qualify.
  • United American offers various products but is best known for its high-deductible Medicare Supplement plans.
  • UnitedHealthcare SilverSneakers memberships continue to be a crowd-pleaser.

Whether you are shopping for cheap Medicare Supplemental insurance plans in Wyoming or looking for more benefits, either way, you will need to shop around. Contacting a licensed Medicare agent can help you narrow down the best healthcare benefits that fit your healthcare needs.

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Alternative Medicare Coverage Options for Wyoming

A Medigap policy can provide plenty of supplemental coverage, but it doesn’t mean that these plans are suitable for everyone. Having Original Medicare and Medicare Supplement coverage doesn’t cover many other healthcare concerns, including prescriptions, dental, vision, or hearing.

Thankfully, there are other options for benefits, such as Wyoming Medicare Advantage Plans, available. Medicare Advantage (Medicare Part C) beneficiaries will have to pay out-of-pocket costs and have some restrictions, but there are lower premiums as well. This may be your best option if you’re looking to save on premiums.

It’s important to remember that when it comes to Medigap and Medicare Advantage, you’ll have to choose one or the other. Beneficiaries cannot be enrolled in both at the same time.

Additionally, Medicare Part D plans in Wyoming provide benefits for enrollees that need coverage for their prescription drugs. But because plans may vary on which drugs are covered, you’ll want to check your plan’s formulary to find the best option for you.

Last but not least, ancillary policies cover care for things such as dental, vision, and hearing for a more comprehensive form of coverage.

How to Apply for Medicare in Wyoming

Applying for Wyoming Medicare Supplement plans doesn’t have to be a hassle, and the team at MedicareFAQ is here to help. Whether you need a Medigap plan, Medicare Advantage coverage, or any other benefits in the realm of Medicare, we’re here to help you.

To find Medicare Supplement Plans in Wyoming that fit your healthcare needs, call us at the number above or fill out our online rate form today!

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.


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