Medicare Supplement Plans in Wyoming
Medicare Supplement plans in Wyoming allow beneficiaries to pay one monthly premium instead of the many out-of-pocket costs that come with Original Medicare. In addition, each Medicare Supplemental plan offers a standardized set of Medicare benefits designed to enhance the original federal Medicare program. It’s not difficult to sign up for Medicare Supplement plans in Wyoming if you have the correct information and do your homework first.
Medicare Supplement Plan Options in Wyoming
There are ten Medigap policies plus two high-deductible plan options for Wyoming beneficiaries. Five plans offer the most comprehensive coverage and are suitable for most beneficiaries. Use the following information to compare your Medicare Supplement plan options, and contact our Policy Guides if you need more information or guidance.
Medicare Plan G
Medigap Plan G offers the most comprehensive Medicare benefits for enrollees with an Original Medicare effective date after December 2019. It’s also available to beneficiaries with earlier effective dates, so it’s open to anyone.
This plan is identical to Plan F except for the Part B deductible. The plan still includes the Part A deductible, Part B coinsurance, and Part B excess charges.
Medicare Plan N
If you want to lower your monthly premiums a bit while still securing a quality Medigap policy in Wyoming, Plan N is a great option. However, it requires you to pay up to $20 when visiting a doctor and up to $50 when visiting an emergency room.
This plan doesn’t include the Part B deductible or excess charges. Foreign travel emergency care is still offered.
High-Deductible Medigap Plan G
The high-deductible Plan G option allows you to pay super-low monthly premiums while enjoying full coverage. The catch is that you must pay the annual deductible before using those benefits.
In 2023, the deductible is $2,700. After the deductible is met, the plan will cover 100% of the costs.
Medicare Plan F
Suppose your Medicare Part B effective date is before January 1, 2020. In that case, you’re eligible to apply for Medicare Supplement Plan F. If your effective date was in 2020 or later, you cannot apply.
This is the complete Medigap plan offered in Wyoming, and it includes all of the following pluses more:
- Medicare Part A deductible and coinsurance
- Medicare Part B deductible, excess charges, and coinsurance
- Foreign travel emergency care (up to plan limits)
Top Medicare Supplement Insurance Companies in Wyoming
Close to 30 private insurance companies are offering Medigap insurance in Wyoming as of 2023. Don’t allow that number to intimidate you because you only need to compare pricing for the leading Medicare Supplement insurers.
The following Medicare insurance company options have excellent financial health and offer some of the best rates in many zip codes:
Medicare Supplement Insurance Cost in Wyoming
Medicare Supplement Plans in Wyoming costs can range from $50-$235 monthly, but rates can vary depending on the insurer.
To illustrate the average cost of a Medigap plan in Wyoming, we ran quotes for a female nonsmoker aged 65 who lives in zip code 82001. Of course, your premiums will vary depending on your age and other personal stats.
| Plan Type | Premium Range |
|---|---|
| Plan F | $142-$235 |
| Plan G | $123-$186 |
| Plan N | $86-$129 |
How much you pay for your Medicare Supplement Plan G monthly premium with Mutual of Omaha depends on where you live and your personal health information.
When Can I Apply for a Medicare Supplement Plan?
You are eligible to apply for a Medicare Supplement insurance plan in Wyoming when you turn 65 and enroll in Medicare Part B and Medicare Part A. Medicare beneficiaries will receive the lowest rates when applying during their Medigap Open Enrollment Period.
Here’s a cheat sheet to help you understand the open enrollment period:
- You must sign up for Original Medicare before applying for a Medigap plan. That includes Medicare Part A and Part B, but a Medicare Part D plan is optional.
- Your chosen insurer must accept your application for coverage. That’s one of the guaranteed issue rights that only occur during this period.
- The Medicare insurance company cannot deny you access to the plan. They are legally required to accept all Medicare beneficiaries during their open enrollment period.
- Your rate is not based on pre-existing conditions during this period.
Frequently Asked Questions:
Cigna stands out as the best choice. They offer various plans designed to meet individual needs and budget requirements.
The premium for a Medicare Supplement plan ranges from $50 to $235 per month. The cost of Medicare Supplement plans in Wyoming can vary depending on the plan type and your age.
Medicare Supplement Plan G in Wyoming is the best plan.
Plan G in Wyoming can range from $123-$186 monthly for a standard rate.
Next Steps
We specialize in guiding Medicare beneficiaries through their Medicare insurance options. We work with some of the nation’s top-rated Medigap carriers to ensure you’re getting the best possible service. Review our Medicare Supplement Plans Comparison Chart and a deeper look at the plans. Additionally, you can give us a call today to learn more or request a quote online.
Article Resources:
- Types of Medigap Plans
- How Much Do Medigap Plans Cost?
- When Can I Apply for a Medicare Supplement Plan?
- How Do I Enroll in a Medigap Plan?
- When Can I Change Medigap Plans?
- Can I Be Denied Medigap Coverage?
- CMS Medicare Services
- Wyoming State Health Insurance Assistance Program
Disclaimer:
Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.
