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What Are Wyoming’s Medicare Advantage Plan Offerings?
Wyoming is one of the least populous states in the nation and considered to be one of the most progressive. Wyoming was the first state to grant women the right to vote and the first to have a female governor. Other firsts for Wyoming residents who about to turn 65 is an exploration of Medicare Insurance. The federally administered program is the primary source of healthcare coverage for residents age 65 and older and earlier for some who are disabled. One option worth exploring is Medicare Advantage plans.
A Medicare Advantage (MA) plan is also called Medicare Part C. Medicare Advantage plans help residents of Wyoming with coverage from Medicare Part A, hospital insurance, and Medicare Part B, medical/doctor’s office insurance. Medicare Advantage plans in Wyoming are offered by private insurance companies. MA plans offer at least the same coverage as Medicare Part A and Medicare Part B, are approved by Medicare and replace coverage by Medicare Part A and Medicare Part B.
Many people select a Medicare Advantage plan because of the additional benefits that may be included. Wyoming residents needing coverage for hearing, vision, dental as well as other routine medical services may want to consider a Medicare Advantage plan in Wyoming as these types of benefits are typically included
Who Is Eligible for a Medicare Advantage Plan in Wyoming?
Figuring out eligibility for Medicare Advantage in Wyoming is simple. First, determine if Medicare Advantage plans are sold in your county or zip code. If so and you’re already eligible for Medicare Parts A and B, you’re also eligible for Medicare Part C/Medicare Advantage insurance. A Medicare Advantage plan specific to Wyoming may potentially help policyholders save money because many Medicare Advantage plans have $0 monthly premiums. Copayments, coinsurance and deductibles vary depending on the Medicare Advantage plan in which you enroll.
Wyoming residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan helps to cover some of the gaps in coverage such as copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.
Are Prescription Drugs Be Covered Under Medicare Advantage Plans in Wyoming?
Any resident of the 307-area code who is looking for prescription drug coverage should consider a Medicare Part C plan as most Medicare Advantage plans also include a Medicare Prescription Drug plan. A Medicare Advantage plan with prescription drug coverage is called a MAPD and it can help cover some of the costs of prescription drugs. If prescription drug coverage is important to you, a Medicare Advantage Prescription Drug (MAPD) plan may be something you want to consider.
Most Popular Medicare Advantage Plans in Wyoming
Finding the right Medicare Advantage plan in Wyoming is as unique as the person the plan is there to support. Among Wyoming residents enrolled in Medicare Advantage plans, 39.5% choose a Local PPO, 38.5% select a PFFS, 13% are enrolled in a HCPP/1833 Cost Plan and 6% choose a HMO/HMOPOS, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Wyoming for your needs and budget.
You can become more informed about Medicare Advantage plans available in Wyoming by contacting a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to accommodate your budget and needs.
Wyoming Medicare Advantage Enrollment Period
Enrollment in a Medicare Advantage Plan occurs during specified enrollment periods. Medicare enrollment in Wyoming opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.
IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Wyoming resident with a May birthday, your IEP runs from February through August.
You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:
Oct. 15 – Annual Enrollment Period Begins
Dec. 7 – Annual Enrollment Period Ends
Jan. 1 – First Date Coverage can start
During the Annual Enrollment every year, Wyoming residents can:
- Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
- Change from one Medicare Advantage Plan to another
- Switch from one Prescription Drug (Part D) plan to another
- Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare
In addition to AEP, Wyoming residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.
Is a Wyoming Medicare Advantage Plan Right for You?
When you’re ready to progress along the Medicare road, think SelectQuote. As a trusted Medicare Insurance specialist, we can help to ensure you are getting all the available Medicare benefits you deserve. Our licensed sales agents can also inform you of any changes to Medicare plans as insurance companies typically make updates annually. SelectQuote is an independent third-party company who specializes in helping consumers understand the available Medicare plan options and we are here to help you find the right Medicare Advantage plan to meet your individual needs.
To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.