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Medigap Plans
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Wyoming

Best Wyoming Medigap Medicare Supplement Plans

Table of Contents

What Are Medigap Plans? Medigap Plans in Wyoming Do You Need Medigap in Wyoming? What Do Medigap Plans Cover? What Are the Most Popular Plans? How Much Do Policies Cost? How Do You Choose a Plan? Who is Eligible? When and How Do You Enroll? How Do I Get Prescription Drugs? What Are the Alternatives? What if I have Medicaid? Next Steps

What Is Medicare Supplemental Insurance?

Medicare supplemental insurance can help you pay some out-of-pocket costs in Medicare Part A and Medicare Part B (Original Medicare). In this article, we'll explore how much Medicare Supplement plans in Wyoming cost, the cost gaps each plan fills, which plans are available, when and how to enroll without underwriting, and how you can get premiums and discounts on all Medicare plans in your zip code.

What You Need to Know

  1. Medicare Supplement plans in Wyoming are offered by private insurance companies and are designed to help cover some of the out-of-pocket costs not covered by Original Medicare.
  2. Plans are standardized, meaning each plan letter offers the same basic benefits regardless of the insurer.
  3. Medicare Supplements are available to Wyoming residents at age 65 and over who have enrolled in both Medicare Part A and Part B.
  4. All plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B copayments or coinsurance, and the first three pints of blood.
  5. Most plans cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
  6. Supplements do not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
  7. Supplements are available in 10 different plan options, labeled A through N.
  8. Medicare SELECT plans require enrollees to use a local Wyoming provider network.
  9. Some Medicare Supplement insurers offer a household discount when both you and your spouse have a policy.

Get a Free Medicare Supplement Rate Comparison

Medigap Plans in Wyoming

Insurance Company Plan F Plan G Plan N Rating
AARP $127.80 $108.62 $92.25
☆☆☆☆☆
American Continental $154.44 $102.71 $85.13
☆☆☆☆☆
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
☆☆☆☆☆

Do You Need Medigap in Wyoming?

Although Original Medicare (Parts A and B) covers most of your major healthcare costs, you are responsible for about 20% of all medically necessary healthcare services you use. These expenses come in the form of deductibles, coinsurance, and copays, and they can add up quickly.

When you use Medicare-approved healthcare services, Medicare requires you to pay a deductible and/or a copayment or coinsurance. If you are hospitalized in Wyoming, these costs will be considerable. For example, the Part A deductible is $1,600 per benefit period. And you pay 20% of all Part B medical costs.

That's what Medigap coverage is used for. These supplemental insurance policies, also known as Medigap, help you pay your out-of-pocket costs. They help fill the cost gap, which effectively creates a Medicare out-of-pocket maximum.

RELATED: Do I Really Need Supplemental Insurance with Medicare?

Is a Medicare Supplement Right for You?

Yes, if you:

  1. Expect the need for frequent healthcare services now and/or in the future and want to limit your deductibles and co-pays.
  2. Can afford the monthly premiums of Medicare Supplement insurance and don't qualify for Medicaid.
  3. Want the freedom to choose your doctors and other Medicare providers without network restrictions.
  4. Need nationwide coverage and/or travel abroad and need coverage for emergency care.
  5. Are in your initial enrollment period and have guaranteed issue rights to join a plan regardless of your health condition.
  6. Don’t want a Medicare Advantage plan and the hassle of referrals and pre-authorization to receive services.

No, if you:

  1. Don’t expect the need for frequent healthcare now or in the future.
  2. Missed your Medigap open enrollment period and can't pass medical underwriting to get the Medigap policy you want.
  3. Want a Medicare Advantage plan with low or no monthly premiums.
  4. Have Medicaid, VA, retiree benefits, or other coverage options that will pay for most of your Medicare out-of-pocket expenses.
  5. Prefer an all-in-one HMO or PPO plan that includes a Part D prescription drug plan, SilverSneakers, and routine care for dental, vision, and hearing.
  6. Can adhere to the rules and restrictions of a Medicare Advantage.

Get a Free Medicare Supplement Rate Comparison

What Does a Medigap Plan Cover?

All Medicare supplemental insurance companies in Wyoming are required to follow both federal and state laws designed to protect you. Insurers must offer the standardized Medicare Plans identified by letters A through N.

What this means is a Plan F policy from Aetna Medicare has exactly the same coverage as a Plan F from Mutual of Omaha, AARP Medicare, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is what makes Medigap plans easier to compare vs. an HMO or PPO style plan through Medicare Advantage.

Medicare supplemental insurance policies may include the following benefits:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part A inpatient deductible
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care and hospice care coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • Foreign travel emergency services
  • Out-of-pocket limits

By looking at the chart below you can easily make Medigap plan comparisons.

2023 Medicare Supplement Plans Comparison Chart

The F and G plan types are available with a high-deductible option. If you choose this option, this means you pay all Medicare-covered out-of-pocket costs up to the annual deductible amount before your Medigap plan pays anything.

Related: How a High-Deductible Medigap Plan Works

Insurers can choose the plans they offer in Wyoming, however, state laws may affect which ones they can offer. For more information, or to file a complaint, visit the Wyoming Department of Insurance website at http://doi.wyo.gov/.

Most Popular Medigap Plans in Wyoming

Medicare Supplement Insurance is additional coverage sold by private insurance companies. Each lettered plan is designed to cover different Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) out-of-pocket costs.

The best-selling Medicare Supplements in Wyoming are Plans F, G, N. Their comprehensive coverage is what makes them the best-sellers. Enrolling in one of these three plans is how most Wyoming seniors ensure they are covered and won't be strapped with excessive medical bills.

Although Plan F covers all gaps in Original Medicare, it is only available to individuals who qualified for Medicare prior to January 1, 2020.

Plan G is the best coverage you can get if you qualify for Medicare this year. It covers all gaps except the Part B annual deductible.

Plan N is the best coverage for healthy individuals. That's because it doesn't cover the Part B deductible or Medicare Part B excess charges. If you enroll in this plan, you'll pay a small $20 copayment for some doctor office visits and a $50 copayment for emergency room visits (unless admitted as an inpatient).

  • Top 10 Plan F in Wyoming
  • Top 10 Plan G in Wyoming
  • Top 10 Plan N in Wyoming

Looking for a different Medigap plan? Ask us for free quotes on the top Medigap plans that interest you in your location.

Get a Free Medicare Supplement Rate Comparison

Top 10 Plan F 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):

Top 10 Medigap Plan F in Wyoming

CarrierPremium[3]FeeReview[4]
Transamerica$125.99None☆☆☆☆☆
Bankers Fidelity$123.84$25.00☆☆☆☆☆
AARP$127.80None☆☆☆☆☆
Globe Life$138.50None☆☆☆☆☆
Thrivent$147.02None☆☆☆☆☆
USAA Life$148.92None☆☆☆☆☆
United American$186.00None☆☆☆☆☆
Reserve National$187.70None☆☆☆☆☆
Liberty Bankers Life$120.46$25.00☆☆☆☆☆
Puritan Life$124.44$25.00☆☆☆☆☆

Top 10 Plan G in Wyoming

Medicare Supplement Plan G is rapidly gaining popularity with Wyoming seniors. With Plan F no longer available to new Medicare beneficiaries, Plan G is the new gold standard. Here are the 10 best Medigap Plan G policies available in Wyoming based on our reviews (click for details):

Top 10 Medigap Plan G in Wyoming

CarrierPremium[3]FeeReview[4]
Transamerica$115.74None☆☆☆☆☆
Bankers Fidelity$99.70$25.00☆☆☆☆☆
AARP$108.62None☆☆☆☆☆
Globe Life$122.50None☆☆☆☆☆
Thrivent$123.18None☆☆☆☆☆
Reserve National$125.50None☆☆☆☆☆
USAA Life$133.45None☆☆☆☆☆
United American$183.00None☆☆☆☆☆
Liberty Bankers Life$95.64$25.00☆☆☆☆☆
Western United Life$98.33$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.

Top 10 Plan N 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):

Top 10 Medigap Plan N in Wyoming

CarrierPremium[3]FeeReview[4]
Transamerica$99.16None☆☆☆☆☆
Bankers Fidelity$83.59$25.00☆☆☆☆☆
AARP$92.25None☆☆☆☆☆
USAA Life$100.13None☆☆☆☆☆
Globe Life$103.00None☆☆☆☆☆
Reserve National$117.80None☆☆☆☆☆
United American$142.00None☆☆☆☆☆
Puritan Life$80.15$25.00☆☆☆☆☆
Liberty Bankers Life$81.75$25.00☆☆☆☆☆
Americo Life$82.48None☆☆☆☆☆
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.

Cost of Medicare Supplements in Wyoming

The official Medicare website has a Medicare Supplement plan finder tool that shows you the cost of supplemental Medicare insurance in Wyoming. But it's just a range. What the tool does not give you is the exact premium, rate increase history, rating scores, and household discounts.

Our FREE Medicare Supplement Plan Rate Quote Service is the best way to get the exact monthly premium for all carriers, household discounts, AM Best ratings, Medicare Supplement rate increase history, and more.

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

How to Choose the Best Medicare Supplement For You

The cost of healthcare in Wyoming continues to rise and everyone's needs are different. Age, sex, zip code, use of medical services, providers, emergency care, supplies, and durable medical equipment all play a part in what you need to consider.

Let's explore how to find the best coverage for you.

When "Best" Means "Most Coverage Available"

If you are signing up for Medicare with chronic health issues, or if you have done a good job saving for your retirement, most experts agree that Plan G is the best option in Wyoming. It offers the most coverage you can buy if you're getting your Medicare benefits in 2023.

When "Best" Means "Good Coverage and Monthly Savings"

If you are signing up for Medicare in excellent health, or if you need good coverage but can't handle the cost of Plan G, Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays, while also covering most medical care expenses.

When "Best" Means "Lowest Cost Coverage"

Not everyone in Wyoming can afford or needs the comprehensive coverage provided by Plans F, G, and N. When the amount of your monthly premium is a concern, ask your insurance agent to give you advice about Plan K and High Deductible Plan G (HDG). These are the two lowest-cost plans available.

Medigap Eligibility Requirements

You can apply for supplemental Medicare insurance in Wyoming during your Medigap Open Enrollment Period (OEP). Your OEP is a six-month window of time that begins at age 65 when you enroll in Medicare Part B.

Federal law guarantees your right to buy insurance during your OEP. This Medigap protection will allow you to choose the Medicare Supplement plan that best suits your needs, regardless of your health history or chronic health conditions.

After your Medigap open enrollment period has ended, it is harder to get a Medicare Supplement policy. It's one of the few disadvantages of Medicare Supplement plans.

Insurance companies can ask questions about your health, charge you higher premiums, reject your application, or refuse to cover you due to your medical history. They can also make you accept a waiting period of six months before coverage starts.

NOTE: Unless you have Social Security Disability Insurance benefits, the earliest age to get Medicare is age 65.

Wyoming Enrollment Process for Medicare Supplements

Wyoming Medigap plan enrollees require the assistance of a licensed insurance agent. Before you can apply, you need to be enrolled in both Medicare Part A and Part B. You can do this through the Social Security Administration website, or by calling them directly at 800-772-1213.

If you don't have an insurance agent, we recommend HealthCompare, an Allstate company. Call them at 1-855-728-0510 (TTY 711). They work with all major Wyoming plans. There's no obligation.

Another option is your local SHIP. The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries. Wyoming's SHIP is available by phone (1-800-856-4398; (307) 777-2448) or through their website.

Adding a Medicare Prescription Drug Plan

In the past, Medicare Supplements sold in Wyoming were allowed to add extra benefits, including prescription drug coverage. This is no longer the case.

The only way to get coverage on prescriptions with a Medigap policy now is to get a Wyoming Medicare Part D plan. In most areas of Wyoming, basic prescription drug plans start at less than $20 per month.

Wyoming Medicare Supplements vs. Medicare Advantage

It's natural to compare the best Medigap insurance with other health insurance plans, like Medicare Advantage. On the surface, Medicare Advantage plans appear to cost less. And, in some cases, they do save money. However, the out-of-pocket expenses in most Wyoming Medicare Advantage plans are as much or more than Original Medicare.

Original Medicare does not have an out-of-pocket maximum. However, all health insurance companies offering Medicare Advantage plans are required to set an annual out-of-pocket limit, up to the annual limit set by CMS. A Medigap plan's coverage creates an out-of-pocket limit for Original Medicare.

Can I Get a Policy If I'm On Medicaid in Wyoming?

It is not legal for a health insurance company or insurance agents licensed in Wyoming to sell individuals a Medigap policy if you have Medicaid benefits.

If you can't afford a Medigap plan or the co-insurance costs in Medicare Advantage policies, there is a third option. Many areas of Wyoming have access to dual-eligible Medicare Special Needs Plans (D-SNP). If you qualify for both Medicare and Medicaid, a Wyoming Special Needs Plan plan might be your best option.

What About Dental, Vision, and Hearing Benefits?

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone Wyoming dental insurance policy.

Next Steps

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

Frequently Asked Questions (FAQs)

How much is Plan G in Wyoming?

Medicare Supplement Plan G premiums vary per. Premiums are based on things like your age, gender, zip code, use of tobacco, and more. We offer a Free Medicare Plan Quote Service to help you find the lowest price available on Plan G in Wyoming.

Who has the best Medigap plan in Wyoming?

Here's a list of top carriers by cost in Wyoming:

  1. Transamerica
  2. Bankers Fidelity
  3. AARP
  4. Globe Life
  5. Thrivent
You can compare all carriers here.

Citations & References

medicare.gov
  • Costs of Medigap policies, Medicare.gov, Last Accessed February 2, 2023
  • What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed February 2, 2023
  • Find a Medigap policy that works for you, Medicare.gov, Last Accessed February 3, 2023
  • How to compare Medigap policies, Medicare.gov, Last Accessed February 3, 2023
  • How Original Medicare works, Medicare.gov, Last Accessed February 3, 2023
  • Your Medicare coverage choices, Medicare.gov, Last Accessed February 5, 2023
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare insurance plans and Medicare Supplement companies on this page originate from CMS Data Files. Content is maintained by David Bynon, and was last updated on February 6, 2023.

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The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.