What Are the Choices for a Medicare Supplement Insurance Plan in Wyoming?

Medicare recipients in Wyoming know that there are some gaps left in coverage by Medicare Parts A and B. Luckily, Medicare Supplement Insurance plans can help cover some of these out-of-pocket costs like copayments, coinsurance and deductibles. Also called Medigap, Medicare Supplement Insurance plans are sold by private insurance companies throughout Wyoming.

In 2023, Wyoming residents have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits in Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Wyoming residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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Most Popular Medicare Supplement Plans in Wyoming

Government-approved Medicare Supplement Insurance plans protect residents in most states, including Wyoming. See below for a view of the most popular Medigap options selected by Wyoming residents. Throughout Wyoming, insurance companies that sell Medigap plans offer the same basic benefits. However, there may be different plan prices depending on where you live and the insurance carrier. In addition, each insurer in Wyoming may not offer each of the Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 59,064 Wyoming beneficiaries had Medigap coverage. Below is the breakdown of the number of Wyoming enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	598	143	864	124	38	25,898	24,590	16	110	1,116	364	173	0	4,927

Source: AHIP(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Wyoming Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Medicare Advantage plan, which may include prescription drug coverage.

To learn more about your Medicare Supplement Insurance plan options in Wyoming, you can work with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare plans in Wyoming.

Wyoming residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can also not be used to pay for any expenses for a Medicare Advantage Plan.

Wyoming Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Wyoming Medicare Supplement Insurance plans begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.

Wyoming residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Wyoming residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. You might be surprised to hear that enrollment can begin as early as 64 and 6 months. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. If you apply for Medicare Supplement Insurance outside of this timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a Wyoming Medicare Supplement Insurance Plan Right for You?

Your healthcare is important, and you don’t need to navigate the journey on your own. As an independent third-party company helping consumers understand Medicare options, SelectQuote is here to help ensure you receive all Medicare benefits available to you. Our licensed insurance agents can also help you stay current with annual plan updates and changes. As a trusted Medicare specialist, SelectQuote can help you find the right Wyoming Medicare Supplement plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.