Medicare plays a key role in providing health and financial security to beneficiaries residing in Wyoming. With more than 112,700 Wyoming beneficiaries enrolled in Medicare, we’ll cover some very important information below about Medicare in Wyoming. We want to help you better understand your options and make the decision-process as seamless as possible once you’re ready to enroll in Medicare or discover different coverage options.
Medicare covers most Wyoming residents who are 65 or older, and it also covers disabled Wyoming residents. In general, Medicare enrollment in Wyoming works the same way as it does in the rest of the country. If you qualify for Original Medicare, also known as Part A and Part B, it will help cover 80% of your health care costs.
When you’re first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B. If you’re eligible for Medicare when you turn 65, you can sign up during the 7-month period that:
In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty. You’ll be responsible for paying this penalty for as long as you have Part B, and you could have a gap in your health coverage.
Once you reach Medicare eligibility, you can begin choosing additional coverage options to help pay for the remaining 20% of your medical expenses through Medicare Advantage (Part C), Medigap, and/or a Medicare Prescription Drug (Part D) plan.
Original Medicare Plans
(Part A and B)
Medicare Advantage & Other Health Plans
Part D (Drug plans)
Total Medicare Beneficiaries
For more information on how you can save money on your out-of-pocket costs with a Part C, Part D, or Medigap plan, please click the plans below to learn more. Licensed agents can also answer any of your questions and help you find a plan that fits your needs, lifestyle, and budget by clicking here.
Only 4% of Wyoming Medicare beneficiaries select Medicare Advantage plans since much of the state didn’t have the plans available prior to 2019.
Medicare Advantage plans are private, Medicare-approved insurance companies. They provide all of your Original Medicare benefits and often include extra benefits such as drug, dental, and vision coverage.
The Medicare Advantage Open Enrollment Period runs from January 1 to March 31. During this period, Medicare beneficiaries in Wyoming who already enrolled in a Medicare Advantage plan can switch to a different Medicare Advantage plan or drop their Medicare Advantage plan and enroll in Original Medicare.
According to the Centers for Medicare and Medicaid Services (CMS), as of May 2020, there are 5,130 beneficiaries enrolled in Medicare Advantage and other plans in Wyoming. Only 4% of Wyoming Medicare beneficiaries were enrolled in a private Medicare Advantage plan in 2019. 100% of people with Medicare have access to a Medicare Advantage plan. As of 2020, five Medicare Advantage plans are available in Wyoming. The average monthly Medicare Advantage premium changed from $57.64 in 2019 to $56.25 in 2020. $0 is the lowest monthly premium for a Medicare Advantage plan in Wyoming.
Wyoming’s Medicare Advantage enrollment is so low because the state didn’t have any plans available for purchase prior to 2019.
In Wyoming, people under 65 who are eligible for Medicare due to a disability aren’t guaranteed access to a Medigap plan.
Medigap plans are used to supplement Original Medicare, covering some or all of the out-of-pocket costs (for coinsurance and deductibles) that beneficiaries would otherwise incur if they only had Original Medicare on its own. Typically, Medigap plans are popular for those who want little to no copay when they access healthcare services.
Wyoming has an operational state-run high-risk pool that provides supplemental coverage to Medicare beneficiaries who can’t get private Medigap plans. In 2019, Wyoming enacted legislation, which extends the operation of the Wyoming Health Insurance Pool through 2030.
Original Medicare doesn’t cover outpatient prescription drugs. However, Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. Medigap plans don’t cover prescription drugs unless they’re covered under Part B.
As of May 2020, There are 70,549 Medicare beneficiaries in Wyoming enrolled in stand-alone Part D prescription drug plans and 3,254 enrolled in Medicare Advantage Prescription Drug plans. For 2020 coverage, there are 29 stand-alone Part D plans available in Wyoming, with premiums ranging from about $15 to $94 per month. About 20% of people with a stand-alone Medicare prescription drug plan get Extra Help (also called the low-income subsidy, or LIS).
When deciding on a Part D plan, it’s important to evaluate several factors such as each plan’s premium, formulary, and copays since every plan is different. Learn how you can save money on your out-of-pocket costs with a Medicare Advantage, Part D, or Medigap plan, fill out this form or give us a call.
The Wyoming State Health Insurance Information Program (WSHIIP) is a federally mandated program. It was set up to help seniors and others on Medicare understand their rights and answer their questions. WSHIIP has over 80 volunteers in almost every county who will counsel beneficiaries and help solve problems, confidentiality, and it is free of charge. Trained counselors promote consumer understanding of Medicare, Medicaid, Medicare supplement, and long-term care insurance.
Contact: Call (800) 856-4398.A directory of WSHIIP representatives can be found at the program’s website.
Wyoming’s Senior Medicare Patrols (SMPs) empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse through outreach, counseling, and education. SMPs are grant-funded projects of the federal U.S. Department of Health and Human Services (HHS), U.S. Administration for Community Living (ACL). Much like their cousin program WSHIIP, SMPs are a volunteer-powered initiative.
Contact: Call (800) 856-4398
Wyoming’s State Brand of the American Association of Retired Persons (AARP) is active in disseminating information, staging events and seminars, and providing education and webinars about how to interact with programs such as Medicare and Medicare Advantage.
Contact: Call (888) 687-2277 or use the online contact and messaging portals at its website.
The Wyoming Institute for Disabilities (WIND) is a member of the national network of University Centers for Excellence in Developmental Disabilities (UCEDD). WIND assists individuals with developmental disabilities, their families, professionals, and University of Wyoming students through education, training, community services, and early intervention. The TeleHealth network (WyTN) connects providers with the public and has informative webinars, education, and training and informative documents at its resource center, many of them directly touching on Medicare and Medicare Advantage.
Contact: Call (888) 989-9463, (307) 766-2761, or email [email protected].
The licensed agents that are partnered with Timefor65 can help you compare the availability, benefits, and costs of Medicare plans in your specific region of Wyoming. Our process makes it easier for you to access your Medicare eligibility in Wyoming so that you receive personalized, affordable, and easy-to-use coverage options and solutions. Fill out the form or give us a call at (866) 399-4330 anytime to get a free quote or to ask any questions.
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