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Medicare Supplement Plans in Wyoming

Summary: There are costs left behind when using Original Medicare benefits, but Medicare Supplement plans in Wyoming can help. Also known as Medigap plans in Wyoming, these supplemental policies “bridge the gap” and help you mitigate healthcare expenses. Additionally, other coverage options exist for enrollees.  Estimated Read Time: 13 mins

Table of Contents:

  1. Best Medicare Supplement Plans in Wyoming
  2. Who is Eligible for Medicare Supplement Plans in Wyoming?
  3. How Much Do Medicare Supplement Plans in Wyoming Cost?
  4. Carriers Offering Medigap Plans in Wyoming
  5. Medigap Plans for Under 65 in Wyoming
  6. Medigap Rating Methods in Wyoming
  7. Medicare Supplement Guaranteed Issue Protections in Wyoming
  8. When to Enroll in Medicare Supplement Plans in Wyoming
  9. Alternative Medicare Coverage Options for Beneficiaries in Wyoming
  10. How to Apply for a Medicare Supplement Plan in Wyoming

Medicare Supplement plans in Wyoming provide coverage that covers expenses left by Original Medicare (Medicare Part A and Part B). Also known as Medigap plans in Wyoming, residents of the Equality State have 12 lettered Medicare Supplement plans to choose from. 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 of the Wyoming Medigap plans is right for you. Additionally, while each lettered plan may have the same benefits regardless of the carrier you sign up with, due to standardization, premiums will vary. So, you’ll want to compare your options before enrolling in a plan.

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

Even though the best Medicare Supplement plan in Wyoming depends on your needs, three options are the most popular among Wyomingites. The most popular Medigap plans in Wyoming offer an attractive level of benefits in relation to their premiums. Let’s break down each of the most popular plans residents in the state seem to love.

Medicare Supplement Plan F in Wyoming

Medicare Supplement Plan F in Wyoming offers the most comprehensive coverage among Medigap plans in the state. Medigap Plan F offers benefits that include paying the cost of copayments, coinsurances, and deductibles for Original Medicare (Medicare Part A and Medicare Part B) covered services, plus also receiving coverage for skilled nursing facilities and there’s even a foreign travel emergency benefit.

Known as first-dollar coverage, it’s important to understand that Medicare Supplement Plan F in Wyoming is only available to beneficiaries that qualified for Medicare before January 1, 2020. Anyone enrolled in Original Medicare after this date will no longer be eligible for Plan F coverage. However, if you are looking for comparable coverage and do not qualify for the cutoff date, options are available.

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Medicare Supplement Plan G in Wyoming

The enrollment restrictions that have affected first-dollar Medigap plans in have been a large part of why Medicare Supplement Plan G in Wyoming is such a popular option among new beneficiaries. Medigap Plan G in Wyoming will cover everything you expect with Plan F, except your Medicare Part B deductible.

Even with the expense of your Part B deductible, Medicare Supplement Plan G in Wyoming is often an attractive option for those looking to limit expensive healthcare costs. For newly eligible Medicare beneficiaries, this is the most comprehensive supplemental option available. Even if you are eligible for Plan F, Medigap Plan G in Wyoming may be a great option for you as the premium savings often outweighs the Part B deductible. So, be sure to compare all your options before enrolling in coverage.

Medicare Supplement Plan N in Wyoming

Finally, Medicare Supplement Plan N in Wyoming is an excellent option for beneficiaries who may not visit the doctor’s office frequently throughout the year and don’t mind copayments when visiting the doctor or Emergency Room. However, if hospital admission happens, the Emergency Room copayment is waived.

Also, Medigap Plan N in Wyoming 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.

Keep in mind 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. However, it’s recommended that you check in with your healthcare providers to avoid surprises.

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Who is Eligible for Medicare Supplement Plans in Wyoming?

Anyone eligible for Original Medicare in Wyoming qualifies for a Medicare Supplement plan. Because Medicare Supplement plans in Wyoming cover the expenses left over by Medicare Parts A and B, you’ll need to enroll in these benefits beforehand. Here’s who qualifies once turning 65 years old:

  • You’re a U.S. citizen or legal resident for at least five years.

However, if you are under the age of 65, you may also qualify for Original Medicare due to the following:

  • You’ve received Social Security Disability Income (SSDI) for at least 24 months due to your disability.
  • You’ve been diagnosed with end-stage renal disease (ESRD) and have undergone at least four months of dialysis.
  • You’re diagnosed with amyotrophic lateral sclerosis (ALS) and have notified Medicare. You become eligible upon disclosing your diagnosis.

However, if you wish to enroll in Medigap coverage after your Open Enrollment Period, you may be subject to answering underwriting health questions.

How Much Do Medicare Supplement Plans in Wyoming Cost?

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. Where you live is also a factor.

Men generally pay more than women, while non-smokers catch a break on costs, and older people may 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 uses data from Medicare.gov and 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-$462* $151-$462*
Medicare Supplement Plan G $101-$450 $128-$450
Medicare Supplement Plan N $74-$372 $92-$372
Male, No Tobacco, Wyoming ZIP Code 82001
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $131-$521* $170-$521*
Medicare Supplement Plan G $116-$507 $144-$507
Medicare Supplement Plan N $83-$419 $103-$419

* If on Medicare before 01/01/2020

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Companies Offering Medigap Plans in Wyoming

If you’re looking for Wyoming Medigap plans, there are several carriers providing options. You’ll want to compare each carrier because premiums will vary depending on who you enroll with, but price isn’t the only consideration.

You’re also going to want to know that your carrier is there for you through thick and thin. Here are a few metrics you can assess when shopping:

  • Customer service matters, and the Better Business Bureau (BBB) is a trusted resource for viewing how companies deal with their customers.
  • It’s also important that your carrier is financially stable. Independent credit agencies, such as A.M. Best and S&P, assess carriers regarding their financial strength and dependability.

While it’s not exclusive, several top-rated carriers are listed below. This can help you gain a scope of the Medicare Supplement carriers in Wyoming that are available for your needs:

Compare Wyoming Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
Aetna A+ BBB A- (Excellent)
Cigna N/A A- A (Excellent)
Mutual of Omaha A+ A+ A+ (Superior)
Manhattan Life A+ A B++
United American A+ AA- (Very Strong) A (Excellent)

Again, there are many additional top-rated carriers available. Here at MedicareFAQ, we’ve partnered with several of them. Be sure to shop around and compare carriers to enroll with the right fit for your needs.

Medigap Plans for Under 65 in Wyoming

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 in Wyoming 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.

It’s important to remember that upon turning 65, you can enroll in Wyoming Medigap plans with guarantee issue rights. Until then, an alternative option could be a Medicare Advantage plan. It’s worth noting that you cannot have a Medicare Supplement plan in Wyoming and Medicare Advantage at the same time. Speaking with a licensed agent can help you better understand your options.

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Medigap Rating Methods in Wyoming

The cost of a Medicare Supplement plan in Wyoming will vary for many reasons, and one notable factor is the Medigap rating method your carrier is applying. There are three different types of Medigap rating methods, and carriers in Wyoming use two of them.

Wyoming Medicare Supplement plans use either an issue-age or attained-age rating to determine 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 in Wyoming; however, the rating methods will affect your premiums. Here’s how they work:

  • An attained-age rating means your plan focuses on the age you are currently. While you won’t pay a higher rate for signing up after becoming eligible at age 65, you’ll still pay higher premiums over time due to increased age and economic factors.
  • By applying an issue-age rating, carriers will base your premiums on your age at the time of enrollment. Therefore, if you sign up as soon as you are first eligible at age 65, you’ll receive the cheapest possible premium. Should you wait until you are older, you’ll face higher premiums as a result.

As you can see, the Medigap rating methods used in Wyoming can significantly affect what you pay each month. They are also a reminder of why it’s essential to shop and enroll as soon as possible to save the most amount of money.

Medicare Supplement Guaranteed Issue Protections in Wyoming

During your Medicare Supplement Open Enrollment Period, you don’t have to worry about answering medical underwriting questions when you sign up for coverage. But when you’re signing up for Wyoming Medigap plans outside of this period, you may have to answer them.

Medical underwriting questions will allow carriers to explore the history of your health. This means that if you have certain medical conditions, you might find yourself either paying more for your premium or being denied by carriers altogether. But there are certain situations that outside of your Medicare Supplement Open Enrollment Period in which you can still avoid this process.

Known as guaranteed issue protections or guaranteed issue rights, these are afforded to beneficiaries during qualifying life events that would cause a loss of coverage. During these events, you can enroll in a Medigap plan in Wyoming without going through medical underwriting. Here are the scenarios that qualify:

  • Should you leave a Wyoming Medigap plan for the first time to join Medicare Advantage and decide to go back to Medicare Supplement coverage, you’ll be given what is known as a trial right.
  • Another trial right occurs if you join Medicare Advantage when you turn 65 but wish to switch to a Medicare Supplement plan in Wyoming within the first year.
  • If you move outside of the coverage area of your Medicare SELECT plan.
  • You can receive a GI right if you move out of your Medicare Advantage plan’s service area. This also applies if your plan stops covering the area you currently live in.
  • The coverage you have from your employer supplementing your Medicare benefits is ending.
  • The carrier providing you with a Medigap plan in Wyoming goes bankrupt.
  • Your carrier didn’t follow the rules or misled you when enrolling in a Medicare Supplement plan in Wyoming.

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Residents in Wyoming may also have additional guaranteed issue protections that may arise on a case-by-case basis. Some additional qualifying life events, for example, may be when your health plan changes its benefits or if a hospital participating in your plan’s network decides to leave it.

When to Enroll in Medicare Supplement Plans in Wyoming

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.

If you miss this enrollment period but 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.

When you face medical underwriting questions, you can be denied coverage altogether. Even if you can enroll, you’ll likely face a higher premium due to your medical history.

Furthermore, the sooner you have a Medicare Supplement plan in Wyoming, the sooner you’ll be able to cover your medical expenses and keep costs low. The bottom line is to save the most money. It’s always recommended that you enroll as soon as you are eligible for Medicare benefits.

Alternative Medicare Coverage Options for Beneficiaries in Wyoming

Wyoming Medigap plans can provide plenty of supplemental coverage, but it doesn’t mean these benefits suit everyone. Having Original Medicare and a Medicare Supplement plan in Wyoming doesn’t cover many other healthcare concerns, including prescriptions, dental, vision, or hearing. Thankfully, other benefits options, such as Wyoming Medicare Advantage Plans, are available.

Medicare Advantage (Medicare Part C) beneficiaries will have to pay out-of-pocket costs and have some restrictions, but there may also be lower premiums. It’s important to remember that you’ll have to choose one or the other when it comes to Medigap and Medicare Advantage. Beneficiaries cannot be enrolled in both at the same time.

Additionally, Medicare Part D plans in Wyoming provide coverage for prescription drugs. But because plans may vary on which drugs they cover, you’ll want to check your plan’s formulary to find the best option for you.

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

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How to Apply for a Medicare Supplement Plan in Wyoming

Applying for Wyoming Medigap plans doesn’t have to be a hassle, and the team at MedicareFAQ is here to help.

No matter which benefits are right for your needs, our agents can help you pinpoint your options, analyze coverage in your area, and compare prices.

To find Medicare Supplement plans in Wyoming that fit your healthcare needs, call us today at the number above or press the compare plans button on our page!

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Find a Medigap policy that works for you, Medicare. Accessed August 2023.
    https://www.medicare.gov/medigap-supplemental-insurance-plans/
  2. Medigap Enrollment and Consumer Protections Vary Across States, KFF. Accessed August 2023.
    https://www.kff.org/medicare/issue-brief/medigap-enrollment-and-consumer-protections-vary-across-states/
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare guru serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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