At a glance: Medicare health insurance in Wyoming
More than 113,000 residents are enrolled in Medicare in Wyoming.
About 95 percent of Wyoming Medicare beneficiaries opt for Original Medicare (instead of Medicare Advantage).
Of Wyoming’s 23 counties, 15 didn’t have Medicare Advantage plans available for purchase at all prior to 2019, but now have an MSA option.
Wyoming has 27 Medigap insurers, but only two will consider applicants under age 65. The state’s high-risk pool also offers supplemental coverage for Medicare beneficiaries.
Nearly two-thirds of Wyoming Medicare beneficiaries have stand-alone Medicare Part D prescription coverage.
Wyoming has 29 stand-alone Part D drug plans in 2020, ranging from $13 to $90 per month.
Average spending per enrollee for Medicare in Wyoming was about $8,215 in 2018 — well below the national average.
Wyoming Medicare enrollment
As of July 2020, about 20 percent of Wyoming’s population — 113,496 people — had Medicare coverage enrollment.
For most Americans, filing for Medicare benefits is part of turning 65. But Medicare eligibility is also triggered by a disability that lasts at least two years, or by a diagnosis of ALS or end-stage renal disease. Nationwide, 15 percent of Medicare beneficiaries are under the age of 65. In Wyoming, it’s just 12 percent; the other 88 percent of Wyoming Medicare beneficiaries are eligible because they’re 65 or older.
Medicare Advantage in Wyoming
Nearly all Wyoming Medicare beneficiaries opt for Original Medicare – only 5,199 people had private Medicare Advantage coverage as of mid-2020, which amounts to less than 5 percent of Wyoming’s Medicare population enrolled in Medicare Advantage plans. At Nationwide, about 40 percent of Medicare enrollees were enrolled in private Medicare plans (nearly all of which are Medicare Advantage plans), but Original Medicare enrollment in Wyoming is much more popular.
That’s due in large part to the fact that much of Wyoming simply didn’t have any Medicare Advantage plans available for purchase prior to 2019. There were no Medicare Advantage plans for sale in 15 of the state’s 23 counties. But starting in 2019, Lasso Healthcare started offering Medicare Savings Account plans (a type of Medicare Advantage plan) statewide in Wyoming. As of 2020, eight counties also have Medicare Advantage plans available from UnitedHealthcare, while the other 15 counties only have Lasso Healthcare as a Medicare Advantage option.
Medicare Advantage enrollment is available when a person is first eligible for Medicare, and there’s an annual open enrollment period in the fall (October 15 to December 7) when beneficiaries can switch to or from Medicare Advantage, or pick a different Medicare Advantage plan. There is also a window at the start of the year (January 1 to March 31) when people who are already enrolled in Medicare Advantage plans can switch to a different Advantage plan or switch to Original Medicare instead.
Medigap in Wyoming
The Wyoming Department of Insurance publishes an annual buyer’s guide for Medigap coverage (here’s the 2020 guide) with helpful state-specific information. The guide notes that people under age 65 who have Medicare eligibility in Wyoming due to a disability are not guaranteed access to a Medigap plan. (There are no federal rules to ensure access to Medigap plans for people under age 65, although many states have taken action to address this.)
In Wyoming as of 2020, two Medigap insurers (National Guardian Life Insurance Company and United American Insurance Company) would consider applicants who are under age 65, but only for limited plan options (Plan A from National Guardian, and Plan B from United American). However, the Wyoming Health Insurance Pool provides guaranteed-issue coverage for applicants who are unable to obtain Medigap coverage due to medical underwriting.
Wyoming is one of several states where state-run high-risk pools are still operational, with supplemental coverage available to Medicare beneficiaries who are unable to obtain private Medigap plans. The others are Alaska, Iowa, Nebraska, New Mexico, North Dakota, South Carolina, and Washington. Wyoming enacted legislation in 2019 that extends the operation of the Wyoming Health Insurance Pool through 2030.
For people who are age 65 or older, there were 27 insurers offering Medigap plans in Wyoming as of 2020. The state’s annual buyer’s guide includes sample prices for a 65-year-old for each plan offered by each insurer (Medigap plans are standardized at the federal level, with ten different plan options available, but not all insurers offer all plan options).
Unlike other private Medicare coverage options (ie, Medicare Advantage and Medicare Part D), there is no annual open enrollment period for Medigap plans. Coverage is guaranteed-issue during the first six months that a person is at least 65 and also enrolled in Medicare Parts A and B. After that, in most circumstances, insurers can use medical underwriting if a person applies for a Medigap plan.
Original Medicare does not cover outpatient prescription drugs. But Medicare beneficiaries can get prescription coverage via a Medicare Advantage plan, an employer-sponsored plan (offered by a current or former employer), or a stand-alone Part D plan. In areas where Medicare Advantage enrollment is lower, Medicare Part D enrollment for stand-alone plans tends to be higher.
As of July 2020, nearly 63 percent of Wyoming Medicare beneficiaries were enrolled in stand-alone Medicare Part D plans. For 2020 coverage, Wyoming has 29 plans with premiums ranging from $13 to $90 per month.
Medicare Part D enrollment is available when a person is first eligible for Medicare, and the same fall open enrollment period that applies to Medicare Advantage plans is also used for Medicare Part D plans: Beneficiaries can enroll in a Part D plan or switch to a different plan between October 15 and December 7, with coverage effective the first of the following year.
In 2018, average spending per beneficiary on Medicare in Wyoming was $8,215 (this analysis did not include costs for Medicare Advantage enrollees). The national average that year was $10,096 per enrollee, so costs were significantly lower than average in Wyoming (the cost analysis standardizes the data to eliminate geographic differences in payment rates). Wyoming was one of just nine states where per-enrollee spending was less than $8,500 in 2018.
If you have questions about Medicare eligibility in Wyoming or need help with Medicare enrollment in Wyoming, you can reach out to the Wyoming Insurance Department. They have a page devoted to health coverage for seniors, which includes information about Wyoming’s State Health Insurance Information Program. The Insurance Department also maintains a page with various resources regarding Medicare, long-term care coverage, prescription drug coverage, etc.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.