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Medicare in Wyoming

What you should know about Medicare in WY, including costs and how to enroll

Reviewed by: Ed McClane, Licensed Insurance Agent. Written by: Aaron Garcia.

Key Takeaways

  • Medicare in Wyoming is health insurance for all legal U.S. citizens aged 65 and older.

  • Original Medicare’sOriginal Medicare is a fee-for-service health insurance program available to Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance). Parts A and B help cover some hospital, medical and preventive costs. Medicare AdvantageMedicare Advantage (Medicare Part C) is health insurance for Americans aged 65 and older that blends Medicare benefits with private health insurance. This typically includes a bundle of Original Medicare (Parts A and B) and Medicare Prescription Drug Plan (Part D). in Wyoming replaces Original Medicare but offers the same Part A and B benefits. It also may bundle other services like prescription drug coverage through Part DMedicare Part D is prescription drug coverage for people enrolled in Medicare. Part D is optional and is offered by private insurance companies..

  • How much you’ll pay for Medicare in Wyoming starts with standardized costs but is adjusted based on personal details, including income and work history.

 

Open plains, majestic mountains, miles of trout-filled streams — there’s enough natural beauty in Wyoming to make any of the other 49 states jealous. Not having the healthcare you need to enjoy the scenery is not so pretty. If you’re 65 or older, continuing to enjoy the things you love best about The Equality State means understanding Medicare in Wyoming.

For example, do you know what the different Medicare plans in Wyoming are? How much does it cost, or how to enroll? Are you allowed to enroll in Medicare Advantage in Wyoming? For answers to these questions and more, here is your guide to Medicare in Wyoming.

How Do I Apply for Medicare in Wyoming?

There are several ways to sign up for Medicare in Wyoming, including:

  • By calling the Social Security Administration (SSA) at 1-800-772-1213
  • Online through the SSA website [1]
  • At a nearby SSA office [2]
  • Contact GoHealth at 1-855-792-0088 TTY: 771. Our licensed insurance agents will review your options and help you enroll in a Medicare plan.

Who qualifies for Medicare in Wyoming?

You may be eligible to enroll in Medicare in Wyoming if you’re a legal U.S. resident and you’re:

  • 65 or older
  • Under 65 but have received railroad retirement benefits or disability-based Social Security for two years
  • Under 65 and living with End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS),  also called Lou Gehrig’s Disease

What Medicare plans in Wyoming can I enroll in?

Let’s start here: You can receive Medicare in Wyoming through either Original Medicare (Parts A and B) or Medicare Advantage (Part C). This choice will play a significant role in what’s covered, what you pay, and what other parts you may need to add. These can include Medicare Supplement Insurance (Medigap) and Medicare Prescription Drug Plan (Part D).

Original Medicare (Parts A and B)

Original Medicare provides some medically necessary and preventive services, plus hospital coverage. You can see any doctor that accepts Medicare but may pay high out-of-pocket costs. Coverage for dental, hearing, vision, and prescription drugs will need separate coverage.

Medicare Advantage (Part C)

Part C replaces Original Medicare (Part A & B) but offers the same Part A & B benefits or coverages as Original Medicare. Along with receiving Part A & B benefits, Medicare Part C often bundles additional services like dental, hearing, vision, and prescription drug coverage.

 

If you have Original Medicare in Wyoming, you can enroll in Medigap and Part D to round out your coverage. This helps provide some of the services that Parts A and B don’t. Here’s how they work:

Medicare Prescription Drug Plan (Part D)

Part D is a stand-alone, private prescription drug coverage. If you have Original Medicare, you’ll need to add Part D separately. Medicare Advantage in Wyoming often includes Part D coverage.

Medicare Supplement Insurance (Medigap)

Many with Original Medicare in Wyoming also enroll in Medigap. These cover some, or all, of the high out-of-pocket costs associated with Parts A and B. Like Part D, Medigap is stand-alone and must be purchased from a private insurer separately from Parts A and B.

Who Qualifies for Medicaid in Wyoming?

Medicaid is health insurance for those that meet specific eligibility standards, including residency, income, and more. Contact the Wyoming Department of Health for more information on your Medicaid options.

Does Wyoming Have Any Medicare Advantage Plans?

Yes, there are several plans to choose from if you’re looking for Medicare Advantage in Wyoming. To help, here are the different types of Medicare Advantage plans available and how they work.

Can I Use My Medicare in a Different State?

If you enroll in Original Medicare, you can use this federal program at any doctor or provider that accepts Medicare. That makes it a popular choice for Wyomians who travel often. It’s always a good idea to check ahead with the providers near your destination to make sure you know where to go in case of an emergency.

Can you use Medicare Advantage out of state?

Maybe, but you’ll need to check with your insurance company. Medicare Advantage plans in Wyoming and everywhere else often have provider networks. These are groups of providers your insurance has agreed to pay when you need medical attention, and they’re often built around a geographic area. To find out if you’re covered when you travel, contact your health insurance carrier. Tell them where you’re going, and they’ll let you know if you’re covered and what your options are.

Is Medicare Free for Retirees?

Medicare is not free for retirees. This misleading Medicare myth probably comes from the fact that some people may qualify for Medicare at no cost. In reality, what you’ll pay for Medicare in Wyoming comes down to several factors. For example, you’ll want to know about standard charges like premiums, copays, coinsurance, and deductibles. Some of these charges may be adjusted, however, based on your income and work history.

To help build your health care budget, here are the standard costs you can expect from Medicare in Wyoming in 2021:

Medicare in WY: Part A

Premium:

  • Typically $0 if you or your spouse worked 10 or more years

Deductible:

  • $1,484 each plan period

Copayments & coinsurance:

  • Hospital stays: $0 copay for Days 1-60 following deductible payment; Days 61 and after: daily charges
  • Skilled Nursing Facility: $0 Days 1-20 each plan period; daily charges for Days 21 and after

Medicare in WY: Part B

Premium:

  • $148.50 monthly and up (income-based)

Deductible:

  • $203 for each plan period

Copayments & coinsurance:

  • Most preventative services: $0
  • Medicare-approved services: 20% coinsurance

Medicare in WY: Part D

Premium:

  • Varies by plan and can be Income-based

Deductible:

  • Not top exceed $445 in 2021

Copayments & coinsurance:

  • Based on specific plans and drugs

What Is the Best Medicare Plan for Seniors?

There is no correct answer here. A Medicare plan that is good for one person may be all wrong for another. It depends on your needs and other personal details. Instead of finding the “best” plan, try to find one that best fits your needs and budget.

But how can you tell the difference between all the Medicare plans in Wyoming? To help, we’ve put together some resources to show you your options and explain how to weigh them.

  • Medicare Star Ratings: see how other policyholders grade their plans
  • Pros & Cons: How do Original Medicare and Medicare Advantage in Wyoming compare?
  • FAQs: What are others asking about Medicare?
  • HMOs vs. PPOs: Compare Medicare Advantage options see and how they work
  • Medicare Myths: Get the skinny about Medicare in Wyoming
  • Talk to an agent: At GoHealth, our licensed insurance agents will offer impartial guidance and honest answers when you need them.

Which States Have the Best Medicare Advantage Plans?

As we’ve mentioned, this answer comes down to what you need and where you live. If you still have questions about the different Medicare plans you can choose from, or want to know more about Medicare Advantage in Wyoming, give GoHealth a call. Our licensed insurance agents will round up the info you need to make the right decisions for you.

Medicare in Wyoming by the Numbers

Thousands of older adults enroll in Medicare every day across the United States. The latest CMS data shows that 100,915 people are enrolled in Medicare in Wyoming. The total number of beneficiaries enrolled in Medicare Advantage in Wyoming is 4,759. The previous year, 4,446 enrolled in Medicare Advantage. Medicare Advantage participation in Wyoming went from 4.57% to 4.72% year over year. If you’d like to dive deeper into how Medicare in Wyoming breaks down across the state, we provide a glance at who is using Medicare, and how.

Outline of Wyoming
100,915
Beneficiaries with Part A & Part B
4,759
Medicare Advantage Beneficiaries
4.72%
Medicare Advantage Participation Rate
52.28%
% Female
47.72%
% Male
0.82
Average HCC Score
$9,206.88
Actual Per Capita Costs
12.39%
% Eligible for Medicaid
28.97%
% of Beneficiaries with an Emergency Department Visit
14.47%
Hospital Readmission Rate
91.29%
% Non-Hispanic White
0.55%
% African American
4.16%
% Hispanic
4.00%
% Other/Unknown

Table reflects the latest Beneficiary Demographics data: 2018, All Beneficiaries by State, Centers of Medicare & Medicaid Services (CMS)

Average HCC Score: The Hierarchical Condition Category score gauges a population’s overall health. The score is based on a value of 1.0. Populations with an HCC score of less than 1.0 are considered relatively healthy. The score can be used to estimate health costs.

Wyoming Medicare Resources & Contacts

Beneficiaries spend an average of $9,206.88 each year on Medicare in Wyoming. To be sure you are not leaving anything on the table, let us help. A GoHealth licensed insurance agent can assess your coverage or explain which New Hampshire-based resources, like these, may be able to help:

Wyoming Insurance Department

1-307-777-7401

http://doi.wyo.gov/

What should I know about the Wyoming Insurance Department?

File consumer complaints and get info on Wyoming’s long-term care and Medicaid resources

Wyoming Department of Health

1-307-777-7656
1-866-571-0944

https://health.wyo.gov/

What should I know about the Wyoming Department of Health?

Sign up for Medicaid or tap into the many Aging Division resources available

Wyoming State Health Insurance Information Program

1-800-856-4398

https://www.wyomingseniors.com/services/wyoming-state-health-insurance-information-program

What should I know about the Wyoming State Health Insurance Information Program?

Come here for help paying for Medicare, including Medicare Savings Programs and Part D Extra Help

Wyoming Veterans Commission

1-307-777-8152
1-800-833-5987
1-307-777-8150 (fax)

https://www.wyomilitary.wyo.gov/veterans/commission/

What should I know about the Wyoming Veterans Commission?

Learn more about, and apply for your veteran benefits in Wyoming

Nationwide Resources

Speak with an insurance agent that is licensed in Wyoming about your Medicare questions.

1-855-792-0088 TTY: 711

Monday - Friday, 8 AM - 9 PM CT

Medicare & Medicaid

If you have general questions about Medicare in WY, or need help with current Medicare benefits.

1-800-MEDICARE (1-800-633-4227)

Social Security Administration

You can reach the SSA by phone for general questions. Not all questions can be answered over the phone.

Also, SSA.gov provides online resources for the following: Review information, apply for benefits, or manage your account online

Speak to SSA Representative, Monday - Friday, 8 AM - 7 PM ET

Medicare Learning Guides

Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you.

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