Medicare in Wyoming
Find affordable Medicare plans in Wyoming
When you qualify for Medicare in Wyoming, you don’t always have to go with the government-issued Medicare coverage and leave it at that. You might have access to different Medicare coverage options in Wyoming.
What does Medicare in Wyoming actually consist of?
Many people in Wyoming (and nationwide) are enrolled in Medicare automatically, either when they reach age 65 or when they qualify through a disability. Typically what you get automatically is called Original Medicare, which is made up of Part A and Part B.
Medicare Part A is mainly to cover you if you’re an inpatient in a hospital, where costs can be high. Part A generally covers all Medicare-approved costs for the first 60 days – but you have to pay the deductible first. After 60 days, you pay coinsurance. If you’re hospitalized for a long time, you might reach a point where Part A no longer covers your care at all.
Medicare Part B usually covers doctor visits, preventive care, certain medical equipment and supplies, and more. A deductible applies to many services, and you’ll pay a 20% coinsurance for many services as well.
What doesn’t Medicare in Wyoming cover?
Original Medicare generally covers much of the medical care you’d need. But one major concern for many Medicare beneficiaries is prescription drug coverage.
Coverage of medications is limited under Medicare Part A and Part B. Typically they may cover prescription drugs while you’re a hospital inpatient, or certain medications you might receive in an outpatient setting.
But what about the medications you may be taking at home in Wyoming? For those, there’s a program called Medicare Part D in Wyoming (and every state). But this is optional coverage – you have to sign up for it – and usually pay for it – if you want it.
Original Medicare also doesn’t generally cover routine dental, vision, or hearing care. Also, there’s no limit to what you can spend on Medicare’s out-of-pocket costs. That is, it’s not as if once you’ve paid a certain amount on coinsurance, copayments, and deductibles during one year, Medicare will pick up these costs for the rest of the year.
Medicare in Wyoming: how can I keep my costs down?
Here are a couple of Medicare coverage options in Wyoming that you might want to know about.
Medicare Advantage (Medicare Part C) in Wyoming gives you a way to get your Part A and Part B benefits through a private plan instead of directly from the government. Insurance companies contract with Medicare to give you these benefits. It’s basically the same in every state. Some things you need to know:
- Most Medicare Advantage plans in Wyoming include prescription drug coverage.
- Some Medicare Advantage plans in Wyoming also include extra benefits, like routine dental care.
- Every Medicare Advantage plan in Wyoming has a yearly maximum out-of-pocket limit. That means that, unlike Original Medicare, your plan may pay your medical expenses for the rest of the year, once you’ve spent a certain amount on these expenses.
- Some Medicare Advantage plans in Wyoming have monthly premiums as low as $0. But be sure to look at the plan’s other costs, such as deductibles and coinsurance.
- You must keep paying your Medicare Part B monthly premium as well as the plan premium.
Medicare Supplement insurance in Wyoming (as in other states) may help pay your Medicare out-of-pocket costs. There are up to 10 standardized Medicare Supplement plans to choose from in Wyoming, and these are some of the Medicare costs they may cover:
- Up to 365 days of hospital costs after Medicare benefits are used up
- Part B coinsurance for doctor visits, medical equipment, and other covered Part B services and supplies
- Part A deductible
- Part B deductible
- Emergency travel coverage when you’re outside the country (up to 80% up to plan limits)
Please note: Not every Medicare Supplement plan in Wyoming covers all the benefits above. Some plans cover only a portion of certain benefits, or don’t cover them at all. Learn more about Medicare Supplement plans in Wyoming.
Medicare Advantage and Medicare Supplement plans don’t work together, so it’s up to you what kind of Medicare coverage you want in Wyoming.
If you decide on Medicare Supplement insurance in Wyoming – or even if you don’t, but you still stay with Original Medicare – you can sign up for a stand-alone Medicare Part D Prescription Drug Plan in Wyoming.
You can compare various types of Medicare plans in Wyoming on your own, anytime you want. Just enter your ZIP code in the box on this page and then click the button. There’s no obligation to enroll – just compare.
This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co-payments/co-insurance may change on January 1 of each year.
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