Medicare in Wyoming
This article was updated on: 09/16/2018
Looking for Medicare coverage in Wyoming? As a Medicare beneficiary, you may have several options when it comes to your Medicare coverage. Your choices may include the government-run program and Medicare plans, including prescription drug coverage and supplemental coverage.
About Medicare in Wyoming
Original Medicare is a federal program that provides health insurance for adults 65 and older, as well as some individuals under 65 with certain disabilities and conditions. If you’re a Wyoming beneficiary, Original Medicare works the same way in this state as it does throughout the country.
Original Medicare is made up of two parts, Medicare Part A and Part B. Medicare Part A covers certain inpatient services, including care you receive in a hospital and skilled nursing facility. Medicare Part A also covers hospice and limited, usually short-term home health care. Medicare Part B covers medical services and items, such as (but not limited to) doctor visits, lab tests, preventive services, and some durable medical equipment.
Original Medicare doesn’t cover everything. For example, it doesn’t include prescription drug benefits, which are not mandatory, but can be purchased separately through Medicare Part D Prescription Drug Plan. Original Medicare also doesn’t cover benefits like routine vision and dental services, dentures, hearing aids, or health coverage outside of the country.
Types of Medicare coverage in Wyoming
Original Medicare is not your only option as a Wyoming beneficiary; you may find that a private Medicare plan helps pay for services you need that aren’t covered by Original Medicare.
Here are some types of Medicare coverage that are available through private insurance companies:
Medicare Advantage plans (Medicare Part C) provide your Original Medicare benefits through a Medicare plan, such as a Preferred Provider Organization plan or a Health Maintenance Organization plan. These plans may also provide benefits like routine vision and dental, or prescription drugs–benefits that aren’t covered under Original Medicare.
All Medicare Advantage plans are required to provide to cover at least the same benefits as Original Medicare. Your costs will be different from Original Medicare and may be lower, depending on the plan. If you do join a Medicare Advantage plan, you are still responsible for paying your Medicare Part B premium.
Medicare Part D is prescription drug coverage. This coverage doesn’t come automatically with Original Medicare; you must sign up for it if you want it. You can get prescription drug benefits through either a stand-alone Medicare Part D Prescription Drug Plan or a Medicare Advantage plan that includes drug benefits, also known as a Medicare Advantage Prescription Drug (MAPD) plan. Medicare Part D plan availability and costs may vary by location and insurance company.
Medicare Supplement plans, also known as Medigap, cover some health care costs that Original Medicare does not, which may include deductibles, copayments, coinsurance, and other out-of-pocket costs. Most states, including Wyoming, can offer up to 10 standardized Medigap policy options. Plans of the same letter feature the same benefits, even across different insurance companies, although costs may vary.
Medicare resources in Wyoming
Wyoming beneficiaries my find the following resources useful:
- Medicare Savings Programs in Wyoming: If your income falls below a certain amount, then you may be eligible for a Medicare Savings Program. These programs provide financial assistance with Original Medicare costs.
- State Health Insurance Counseling and Assistance Program (SHIP): The Wyoming State Health Insurance Information Program (WSHIIP) helps people with Medicare understand their rights and answers their questions about Medicare. Counseling services are free.
Applying for Medicare in Wyoming
The Original Medicare enrollment process is the same in all states. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Residents can be enrolled automatically at age 65 if they already get benefits through the Social Security Administration (SSA) or the Railroad Retirement Board (RRB). People who qualify because of disability don’t have an age requirement. Instead, they are also enrolled automatically if they receive disability benefits for more than 24 continuous months; Medicare coverage starts automatically in the 25th month of disability benefits.
You may also be eligible for Medicare if you have certain conditions, such as end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (also known as ALS or Lou Gehrig’s disease).
You may need to manually enroll in Medicare in certain situations, such as if you have ESRD. To manually enroll in Medicare, you can:
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- Apply in person at a Social Security office. Visit SSA.gov for office hours and to find the closest location to you.
If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Enrollment works differently if you’re interested in private Medicare coverage, such as a Medicare Advantage, Medicare Part D, or Medicare Supplement plan. These plans are offered through private insurers, so enrollment doesn’t occur through Social Security. These parts have their own eligibility rules and enrollment periods, as well.
If you’re interested in learning more about your Medicare options as a Wyoming beneficiary, I can help you find plans in your location. To read about my background, see my profile below with the “View profile” link. If you’d like to speak over the phone, we can set up a time to talk, or I can email you some recommendations tailored to you (see the links below for these options). To compare your Medicare options right now, use our free comparison tool by clicking the Compare Plans button on this page.