Wyoming Medigap Plans help those covering what Original Medicare doesn’t like bills for deductibles and coinsurance under Parts A and B. In WY, Medigap insurers don’t have to provide all the plans, but they must offer Plan A. Let Senior65.com help you find the best fit for your needs and gain peace of mind.
Wyoming Medigap Plans Basics
Before enrolling in a Medigap plan, please review the bullet points below.
- Wyoming’s Medigap rules limit plans to 10 standardized options labeled A through N.
- While Medigap insurers are not obligated to offer all the plans, they must provide Plan A.
- You can choose any Medicare-accepting provider regardless of your current health situation.
- As long as you pay premiums, you can keep your Medigap policy and it automatically renews.
- Medigap plans have no coverage for prescription drugs at the pharmacy. You will neet to purchase a Medicare Part D for that.
- Medicare allows doctors and facilities to charge patients up to an additional 15% in fees. In states like Wyoming, these “excess charges” are permitted, but many Medigap plans can pay them for you. Find out how to avoid them in our article: “How To Avoid Medicare Excess Charges“. (Source- Medicare.gov)
Comparing WY Medicare Supplement plans
Plans available for those Medicare-eligible after January 1, 2020:
| Benefits | A | B | D | G** | K | L | M | N |
|---|---|---|---|---|---|---|---|---|
| Medicare Part A Deductible ($1,632) | 100% | 100% | 100% | 50% | 75% | 50% | 100% | |
| Part B Deductible ($240) | ||||||||
| Medicare Part A Hospital Coinsurance and 365 additional hospital days | 100% | 100% | 100% | 100% | 100% | 100% | 100% | 100% |
| Medicare Part B Coinsurance | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| First 3 Pints of Blood for a Transfusion | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Medicare Part A Hospice Coinsurance or Copay | 100% | 100% | 100% | 100% | 50% | 75% | 100% | 100% |
| Skilled Nursing Facility Coinsurance | 100% | 100% | 50% | 75% | 100% | 100% | ||
| Medicare Part B Excess Charges | 100% | |||||||
| Foreign Emergency Healthcare | 80% | 80% | 80% | 80% | ||||
| Max Out-of-Pocket | $7,060 | $3,530 |
**Medigap Plan G High Deductible is $2,800.
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When to Enroll in Wyoming Medigap Plans
Sign up for a Wyoming Medigap plan during your Initial Enrollment Period, starting when you turn 65 and join Medicare Part B. This period is often referred to as Open Enrollment but does not take place each year. During the six month period following your part B effective date, insurers can’t use your health conditions to deny or charge you more (Source). If you missed the deadline, don’t worry. Check our guide: “Help! I’ve Missed My Medigap Initial Enrollment Period. What Should I Do?“
After this initial period ends, companies can choose who gets coverage. They will usually ask medical questions if you apply outside your initial open enrollment period. Thos who apply late could be approved at the best rate, a higher rate or you could be declined coverage. If you’re struggling with understanding deadlines or finding the right plan, please reach out to us. No one can offer you a more affordable price for the same plans as Senior65.com.
Wyoming’s Top Medigap Plans
According to the most recent data from America’s Health Insurance Plans (AHIP), over 59,000 residents of The Equality State have opted for a MedSup policy.
Changes in Medigap plans since 2020 have resulted in shifts in preferences. Plan F, once popular for its high enrollment, is no longer accepting new enrollees. Plan G is now the preferred Medigap plan, attracting over 24,000 enrollees among individuals who turned 65 after 2020.
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WY Medigap Savings
Household Discounts, or HH Discounts, are savings you can get on your monthly Medicare Supplement premium when two people from the same address are enrolled with the same Medigap insurance company. This discount applies to any type of residence, whether it’s a house, apartment, yurt, trailer, or another dwelling. It’s available even if your spouse is already enrolled, and you are a new enrollee.
Keep in mind that household discounts may not show up automatically in our Medigap quoting system, so be sure to click the “show household discount” button on the results page.
Plus, lots of Medigap providers give you a discount for auto-pay. Just set up your payments to go out automatically, and you’ll get a sweet discount on your premiums. Read more about Medigap Discounts And Special Offers here.
What’s Next for Wyomingites
Don’t hesitate! Act now and get a Medigap quote for Wyoming online here or by calling our team at 800-930-7956. It’s as easy as making a phone call!
Keep in mind, at Senior65.com, we’re here to help you without any fees, so you have nothing to lose! If you have questions or need assistance, feel free to leave a comment below.