The Best Medicare Supplement (Medigap) Plans in Wyoming
- Wyoming Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Wyoming, including what they might cover and when the best times are to enroll.
Original Medicare pays for hospital care (Part A) and a wide variety of outpatient diagnostic and preventive services (Part B). Although Medicare coverage costs much less than what you would pay for a private plan, it doesn't pay for 100% of every covered service.
For Part B services, for example, you typically have to pay 20% coinsurance for Medicare-approved services. You also have to pay deductibles, premiums and other out-of-pocket expenses. Wyoming Medicare Supplement Insurance gives you extra coverage, reducing your out-of-pocket Medicare costs.
Over half (50%) of Wyoming Original Medicare enrollees also have a Medigap plan.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best Wyoming Medicare Supplement Plans?
The chart below lists the 10 types of standardized Medigap plans available in Wyoming. Medicare Supplement Insurance is separate from Original Medicare, so you'll buy your Medigap plan from a private insurance company and pay a separate premium for your supplemental coverage.
Although Medigap isn't part of the federally managed Original Medicare program, most states use the same standardization rules, so the plans available in Wyoming have the same benefits as the plans available in most other states.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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The level of coverage offered depends on which plan you select. Some benefits are included in all 10 plans; for example, you get an additional year of hospital coverage with any Wyoming Medigap plan. Depending on which plan you choose, Medigap may cover anywhere from 50% to 100% of copays for Part B services.
Plan F is no longer available for Medicare enrollees who became eligible after January 1, 2020.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in a Wyoming Medigap Plan?
To enroll in a Wyoming Medigap plan, you must be enrolled in Medicare Part A and Medicare Part B. Once you sign up for Medicare Part B, you'll enter your Medigap open enrollment period, a six-month period in which you have guaranteed issue rights for any Medigap plan of your choice.
"Guaranteed issue" means that an insurance company must issue you a policy, without regard for your medical history or other risk factors. During your Medigap initial enrollment period, an insurance company can't charge you more because you have a pre-existing condition, and it can't deny your application based on your medical history.
It's important to sign up during your Medigap open enrollment period; otherwise, your guaranteed issue rights may go away. Once your guaranteed issue rights expire, insurance companies can use underwriting to determine if you're a high-risk applicant.
Based on your risk level, a company may charge you more money for coverage, or it may refuse to cover you at all. Therefore, missing your Medigap open enrollment period could result in a substantial increase in your monthly Medigap plan premium amounts, or you could be denied Medigap coverage altogether.
Although guaranteed issue rights usually expire once your Medigap initial enrollment period ends, there are a few exceptions to the guidelines outlined above.
- If you don't enroll in Medicare Part B as soon as you turn 65 because you have some other type of health coverage, your Medigap initial enrollment period won't start until you sign up for Medicare Part B.
- Sometimes, people lose their Medigap coverage through no fault of their own. If this happens to you, you may be able to sign up for a different Medigap plan without having to go through the underwriting process.
- If you tried Medicare Advantage and decided you would rather have Original Medicare, you retain your guaranteed issue rights as long as you switch to Original Medicare within the year.
There are other reasons you could also potentially qualify for guaranteed issue rights.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
