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Best Medicare Supplement Plans in Wyoming 2021

Medicare Supplement plans in Wyoming allow beneficiaries to pay one monthly premium in place of the many out-of-pocket costs that come with Original Medicare. 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 right information and do your homework first.

What are the Top 5 Medicare Supplement Plans in Wyoming?

There are 10 Medigap policies plus two high-deductible plan options for Wyoming beneficiaries. Of those plans, five offer the most comprehensive coverage and are suitable for most beneficiaries. Use the following information to compare your Medicare Supplement plan options, and reach out to our Policy Guides if you need more information or guidance.

1. Best full coverage: Medicare Plan F

If your Medicare Part B effective date is before January 1, 2020, you’re eligible to apply for Plan F. If your effective date was in 2020 or later, you’re not eligible to apply.

This is the most complete Medigap plan offered in Wyoming, and it includes all of the following plus more:

  • Medicare Part A deductible and coinsurance
  • Medicare Part B deductible, excess charges, and coinsurance
  • Foreign travel emergency care (up to plan limits)

2. Best comprehensive option: Medicare Plan G

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 with one exception: Part B deductible. The plan still includes the Part A deductible, Part B coinsurance, and Part B excess charges.

3. Best value: 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. 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 Part B excess charges. Foreign travel emergency care is still offered.

4. Best deductible plan: High-Deductible Plan F

Once you pay the annual deductible, you will have access to all of the benefits offered by the standard F Medigap plan. The deductible is significantly higher, but the monthly premiums are also extremely low.

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

5. Best for lower premiums: High-Deductible Plan G

The high-deductible Plan G option allows you to pay super low monthly premiums while enjoying the full Plan G coverage. The catch is that you need to pay the annual deductible before you can use those benefits.

In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

What is the Best Supplemental Insurance to go with Medicare?

Your Medicare coverage is a personal decision. Your current and expected future health care needs should guide that decision, but we can offer some assistance as you explore your Medigap plan options.

What is the most popular Medicare Supplement plan in Wyoming for 2021?

Medicare Plan G is the most popular Medigap plan in Wyoming for 2021. It offers the most comprehensive Medicare coverage for all beneficiaries and doesn’t have limited eligibility like Medicare Plan F.

Plan F remains extremely popular but is no longer an option for all new enrollees.

Which plan has the best benefits Wyoming?

Which plan offers the best benefits depends on your personal needs and expectations. The following pointers will help guide you in the right decision as you compare your plan options:

  • If you don’t want to worry about out-of-pocket costs at all, Plan F offers the best Medicare coverage. If you don’t meet the eligibility requirements for that plan, Plan G is a close second.
  • If you need to keep your monthly premiums as low as possible and have some money available for copayments or the Medicare Part B deductible and excess charges, Medicare Part N may suit your needs best.
  • If you need extremely low monthly premiums and can pay a higher deductible each year, look into the high-deductible plan options.

Regardless of your plan choice, you will also need a Medicare Part D plan for prescription drug coverage.

How do I choose the best plan?

When selecting a Medicare Supplement insurance plan in Wyoming, think about your current health condition.

  • How often do you see the doctor, and would a small copay become a burden?
  • Are you overwhelmed by bills for uncovered medical expenses?
  • Would you prefer to pay a bit more on a monthly premium or cover more out-of-pocket expenses throughout the year?

If you still need guidance, reach out to our Policy Guides. We can also help you explore your options for prescription drug coverage.

Which Medigap company offers the best rates in Wyoming?

Medigap pricing varies by zip code. Compare quotes online to see which insurer is the most affordable in your area.

What is the Average Cost for a Medicare Supplement Plan in Wyoming for 2021?

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. Your premiums will vary, depending on your age and other personal stats.

  • Medicare Plan G – $111.48 – $171.02 range; $132 average per month
  • Medicare Plan N – $86.80 – $146.62 range; $116 average per month
  • High-Deductible Plan G – $35.61 – $50.56 range; $43 average per month

Common Wyoming Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Wyoming?

There are close to 30 private insurance companies offering Medigap insurance in Wyoming as of 2021. 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:

  • Aetna
  • Mutual of Omaha
  • Cigna

When can I apply for a Wyoming Medicare Supplement Plan?

Your eligibility 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 that 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.

Which is better, Medigap Plan G or Plan N?

Plan G is an excellent choice if you can afford the monthly premiums and want to eliminate out-of-pocket expenses as much as possible. If you would like to reduce your premiums a bit, then Plan N is a good alternative. Just remember that you will need to pay copayments each time you visit the doctor or go to the ER.

Both plans require you to pay for a Part D prescription drug plan separately.

What is Medicare Supplement Insurance?

Medicare Supplement insurance plans are available to beneficiaries who choose not to enroll in a Medicare Advantage plan. While Advantage plans replace Original Medicare, Medigap plans work with the basic benefits offered by the original system.

When you enroll in a Medigap plan in Wyoming, your insurance policy is issued by one of the private health insurance companies authorized to write Medicare policies. Once established, your plan will cover some or all of the medical expenses not paid for by Medicare Part A and Medicare Part B.

Most beneficiaries still sign up for a Medicare Part D plan because supplemental policies don’t include prescription drug coverage.

Is Plan G the Best Medigap Plan in Wyoming?

How Much Does it Cost?

Your location will heavily influence the cost of your Medigap policy. In Wyoming, the average rates are typically the same for many different areas. For example, a 65-year-old nonsmoking female would pay an average of $132 per month if she lived in zip codes 82001, 82222, or 82072.

What is the Plan G deductible in 2021?

Medigap plan G does not have a deductible, but you will have to pay the Medicare Part B deductible out of pocket. For 2021, the Part B deductible is $203.

 

What does Medigap Plan G Cover in Wyoming?

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Wyoming Medicare Resources

Wyoming Enrollment Statistics

The estimated population of Wyoming is 568,125 residents. Approximately 19 percent are aged 65 or older. According to 2019 census estimates, the most populated counties and the number of residents are:

•    Laramie    98,327

•    Natrona    79,547

•    Campbell    46,242

•    Sweetwater    43,534

•    Fremont    39,803

In 2018, Wyoming had 107,656 Medicare beneficiaries. Of these, 87 percent were enrolled because of age and 13 percent because of disabilities. Approximately 105,000 were enrolled in Original Medicare. The remaining 2,700 were enrolled in a Medicare Advantage Plan. The state ranked 49th out of 50 in the number of Medicare beneficiaries and 45th in spending per beneficiary, at $9,050 in 2014.

Approximately 47 percent of those enrolled in Medicare in Wyoming have Medigap plans. Below is a chart showing the most popular Medicare Supplement insurance plans in Wyoming and the number enrolled:

•    Plan F    30,871

•    Plan G    3,839

•    Plan N 2,759

•    Plan C 1,776

•    Plan A 518

Key Take Aways
  • In Wyoming, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Wyoming to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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