Medicare Supplements Available in Wyoming WY Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in Wyoming. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in WY at the lowest cost available.
Wyoming Medigap Plans: What's the Difference?
Most Wyoming seniors agree: Original Medicare, combined with Medicare Supplement, offers the very best health coverage seniors can get. But, which Medicare Supplement is right for you?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G and N. Read on and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $127.80 | $108.62 | $92.25 |  |
|
| American Continental | $154.44 | $102.71 | $85.13 |  |
|
| American National | $112.21 | $89.21 | $75.27 | |
|
| American Retirement Life | $144.78 | $95.68 | $86.44 | |
|
| Americo Life | $127.26 | $100.33 | $82.48 |  |
|
| Assured Life | $127.24 | $98.23 | $81.38 | |
|
| Bankers Fidelity | $123.84 | $99.70 | $83.59 | |
|
| Blue Cross Blue Shield of Wyoming | $150.30 | $135.80 | $122.60 | |
|
| Central States | $152.25 | $129.50 | $96.17 | |
|
| Colonial Penn | $173.93 | $129.53 | $87.50 | |
|
| Gerber Life | $177.14 | $137.19 | N/A | |
|
| Globe Life | $138.50 | $122.50 | $103.00 | |
|
| GPM Health and Life | $127.24 | $99.73 | $82.20 | |
|
| Heartland National | $135.16 | $115.97 | $92.09 | |
|
| Humana | $155.21 | N/A | $94.77 | |
|
| IAC | $142.33 | $100.60 | $85.04 | |
|
| Liberty Bankers Life | $120.46 | $95.64 | $81.75 | |
|
| Medico | $182.68 | N/A | $105.80 | |
|
| Oxford Life | $161.24 | $106.00 | $92.35 | |
|
| Puritan Life | $124.44 | $99.15 | $80.15 | |
|
| Reserve National | $187.70 | $125.50 | $117.80 | |
|
| Sentinel Security Life | $149.97 | N/A | N/A |  |
|
| State Farm | $149.09 | N/A | N/A | |
|
| Thrivent | $147.02 | $123.18 | N/A | |
|
| Transamerica | $125.99 | $115.74 | $99.16 |  |
|
| United American | $186.00 | $183.00 | $142.00 | |
|
| United Commercial Travelers | $209.39 | $171.24 | $143.84 | |
|
| United of Omaha | $162.71 | $121.17 | $92.98 | |
|
| USAA Life | $148.92 | $133.45 | $100.13 | |
|
| Western United Life | $128.75 | $98.33 | $85.75 | |
|
Compare Plan RatesThe average Wyoming senior compares three or more quotes before making an enrollment decision. |
|||||
Top 10 Medicare Supplement Plans in Wyoming
Looking for the best Plan F, G or N available to Wyoming seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Wyoming
Medicare Supplement Plan F is the most popular Medigap plan available in Wyoming. Here are the 10 best Plan F policies available in Wyoming based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $125.99 | None | |
| American National | $112.21 | None | |
| Bankers Fidelity | $123.84 | $25.00 | |
| AARP | $127.80 | None | |
| Globe Life | $138.50 | None | |
| Thrivent | $147.02 | None | |
| USAA Life | $148.92 | None | |
| United American | $186.00 | None | |
| Reserve National | $187.70 | None | |
| Liberty Bankers Life | $120.46 | $25.00 | |
10 Best Medigap Plan G Policies in Wyoming
Medicare Supplement Plan G is rapidly gaining popularity among Wyoming seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Wyoming based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $115.74 | None | |
| American National | $89.21 | None | |
| Bankers Fidelity | $99.70 | $25.00 | |
| AARP | $108.62 | None | |
| Globe Life | $122.50 | None | |
| Thrivent | $123.18 | None | |
| Reserve National | $125.50 | None | |
| USAA Life | $133.45 | None | |
| United American | $183.00 | None | |
| Liberty Bankers Life | $95.64 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Wyoming
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Wyoming seniors. Here are the 10 best Medigap Plan N policies available in Wyoming based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Transamerica | $99.16 | None | |
| American National | $75.27 | None | |
| Bankers Fidelity | $83.59 | $25.00 | |
| AARP | $92.25 | None | |
| USAA Life | $100.13 | None | |
| Globe Life | $103.00 | None | |
| Reserve National | $117.80 | None | |
| United American | $142.00 | None | |
| Puritan Life | $80.15 | $25.00 | |
| Liberty Bankers Life | $81.75 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Wyoming. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Wyoming head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Medicare Supplement Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Wyoming. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
Wyoming Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Wyoming offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Wyoming Department of Insurance website at http://doi.wyo.gov/.
Why is Medicare Supplement Plan F Favored in Wyoming?
Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Wyoming seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.
IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Wyoming than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Med Supp Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare 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 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many Wyoming seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Wyoming. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Wyoming Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Wyoming SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-856-4398; (307) 777-2448
- http://www.wyomingseniors.com/services/wyoming-state-health-insurance-information-program
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Wyoming. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .