With lots of fresh air, plenty of sunshine, and numerous scenic spots to explore, Wyoming offers seniors many ways to keep active in their golden years. As you retire and trade in your work-sponsored health insurance for Medicare, it’s essential to know and understand the many options you have waiting for you.

Most people will enroll in Medicare around their 65th birthday. The main exceptions are those who receive Railroad Retirement benefits or Social Security benefits for 24 consecutive months or those diagnosed with end-stage renal disease. You can choose Original Medicare or opt for a Medicare Advantage plan run by private insurance companies

Medicare Advantage plans meet Medicare guidelines for what they must offer and often add extra coverage like hearing, vision, and dental. The plans are all different, even those provided by the same insurance company. The best way to know which one is the best for you is to compare them. 

Comparing plans to see how they stack up against each other couldn’t be easier when using the Insurify Medicare Advantage comparison tool. Start by entering your ZIP code, and see plans that are available to you. You can customize your search for more tailored results. Try it today! 

 

 

What Are the Best Medicare Advantage Plans in Wyoming?

Wyoming has various types of Medicare Advantage plans from which to choose: HMO, PPO, and PFFS. Only you will be able to determine which plan is the best for you. The one that is best for you may not be suitable for your partner. 

Here are the top four Medicare Advantage plans in Wyoming. They are selected based on the coverage offered, the monthly premium, the deductible, and the star rating. You can learn more about these plans, including drugs on their formulary and in-network care providers, by contacting the insurance company

#1: Aetna Medicare Value Plan H5521-197 (PPO)

    • Monthly premium: $59
    • Health plan deductible:$100
    • Out-of-pocket maximum: $7,550
    • Counties: Uinta

With a modest monthly premium and a low deductible, this Medicare Advantage plan from Aetna comes with prescription drug coverage. Generic, brand-name, and specialty drugs are covered, as well as chemotherapy and Medicare Part B drugs.

Primary care physician visits are $0, and seeing a specialist is a $45 co-payment. Inpatient hospital days are $400 per day for days one through five and then $0 after that. Diagnostic tests, lab tests, and X-rays range from $0 to $10 per item. 

Hearing tests cost $45, while preventive and comprehensive dental and vision examinations and services are $0. Wellness programs are covered, and diabetes supplies require 0–20 percent coinsurance

#2: Aetna Advantra Select H8649-008 (HMO)

    • Monthly premium: $49
    • Health plan deductible: $200
    • Out-of-pocket maximum: $7,550 
    • Counties: Uinta

An HMO, this plan from Aetna requires you to stay in-network for your medical care to avoid paying more than the insured amount. The plan includes prescription drug coverage with a 30-day supply of Tier 1 to Tier 4 medications costing between $0 and $100. 

Seeing a primary care physician costs $0, and specialists are $50. Hospital stays are $390 per night for the first five days. From day six on, the cost is $0. Diagnostic tests cost $0–$10, lab tests are $0, and X-rays are $0. 

Group and individual mental health therapy are $40 per session. Wellness programs are covered, and hearing, dental, and vision care are $0. The first 20 days in a skilled nursing facility are fully covered as well. 

#3: UnitedHealthcare MedicareDirect Rx H5435-024 (PFFS)

    • Monthly premium: $64
    • Health plan deductible: $295
    • Out-of-pocket maximum: $6,700 
    • Counties: Weston, Sheridan, Natrona, Fremont, Crook, Teton, Albany

This Medicare Advantage plan from UnitedHealthcare is a PFFS plan and includes prescription drug coverage. Prices start at $4 for Tier 1 generic drugs. 

Visits to your primary care doctor cost $25, while specialists cost $50. Vision tests are free, and hearing tests cost $20. Dental coverage is not offered with this plan. 

Mental health therapy sessions cost $15$20. Diabetes supplies are covered, as are wellness programs. 

#4: UnitedHealthcare MedicareDirect Patriot H5435-001 (PFFS)

    • Monthly premium: $40
    • Health plan deductible: $0
    • Out-of-pocket maximum: $6,700 
    • Counties: Albany, Crook, Fremont, Natrona, Sheridan, Teton, Weston

This final Medicare Advantage plan is a PFFS plan and does not include prescription drug coverage. Inpatient hospital stays cost $395 per day for days one through four. From day five on, there is no co-pay. Preventive care is $0, and diabetes supplies are $0. 

Hearing tests are a $20 co-pay, and vision tests are $0. Dental exams are not covered. Diagnostic tests have a $20 co-pay, X-rays are $15, and lab services are $0.

Ready for Medicare to work for you? Use the Insurify Medicare comparison tool to explore Medicare Advantage plans in Wyoming. Enter your ZIP code, and you’ll be comparing options in less than two minutes. Try it now!

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How Much Does Medicare Advantage Cost in Wyoming?

The average monthly premium of a Medicare Advantage plan in Wyoming is just under $57. This premium is in addition to the Medicare Part B premium that you pay and (for some who don’t meet the working requirements) the Medicare Part A premium. 

Other costs that factor into your overall healthcare spending include your deductible, your out-of-pocket maximum, and your prescription drug costs. If you choose a plan with a lower deductible, you get savings by only paying the full price until you meet the deductible

What Is Medicare Advantage?

Medicare Advantage is Medicare Part C. It’s a part of the Medicare program, government-subsidized health insurance for American residents 65 and older. When you enroll in Medicare, you have two options for receiving your Medicare benefits: Original Medicare or Medicare Advantage. 

Original Medicare consists of three parts: Part A (hospital insurance), Part B (medical insurance), and Part D (prescription drug insurance). Medicare Advantage plans are all-in-one insurance plans from private companies that offer coverage that’s equivalent to or better than Original Medicare. 

What Types of Medicare Advantage Plans Are Available in Wyoming?

Although Wyoming doesn’t have as many MA plan options to choose from as other states, it does have variety when it comes to the types of plans available. Medicare beneficiaries can choose from HMO plans, PPO plans, and PFFS plans.

Health maintenance organization (HMO) plans keep costs low by requiring members to use in-network doctors and hospitals. You need to have a primary care physician and get a referral to see a specialist. Out-of-network services are only covered in the event of an emergency.

With a preferred provider organization (PPO) plan, you can choose between in-network and out-of-network care providers, but expect to pay more when you go out-of-network. You don’t need a designated physician, nor do you need referrals to see specialists. 

With a private fee-for-service (PFFS) plan, you can use any healthcare providers that accept the terms of your MA plan. You need to have the care provider agree to this before treatment, and if they don’t want to take the plan, they aren’t required to. And even if a doctor has accepted it in the past, they don’t have to do so in the future.

Two other plans are medical savings accounts (MSA) and special needs plans (SNP). Medical savings accounts are typically high-deductible plans, and you can pay for medical costs with money from an attached savings account. Special needs plans offer tailored coverage for individuals with a unique need, such as those who live in a nursing home

 

 

FAQ: Wyoming Medicare Advantage

What are the eligibility requirements for Medicare?

The most basic requirements for Medicare enrollment are that you are 65 and have worked and paid into the Medicare system for 10 years. For non-working spouses, you can get Medicare eligibility through your spouse. 

Can I change back to Original Medicare if I don’t like the MA plan? 

Yes, you can change from Original Medicare or to another Medicare Advantage plan. The only restriction is that you must do this during the Medicare Advantage Open Enrollment Period. This starts on January 1 and goes until March 31 every year. 

How do I enroll in Medicare? 

You can learn how to enroll in Medicare at your Social Security office, online at Medicare.gov, or by calling the Centers for Medicare & Medicaid Services at 1 (800) 633-4227. TTY users can call 1 (877) 486-2048. For those already receiving Social Security or Railroad Retirement benefits before age 65, you are automatically enrolled in Medicare at age 65. 

Is Medicare Advantage the same as Medicare Supplement Insurance? 

No, Medicare Advantage is a stand-alone plan that provides coverage equivalent to Medicare Parts A, B, and D. You cannot use Medicare Supplement plans, including Medigap plans, when you have a Medicare Advantage plan.

Conclusion: Compare Wyoming Medicare Advantage Plans to Save Time and Money

Thanks to the internet, there’s no need to call an insurance agent to find Medicare Advantage plans. A quick search is all it takes to find the plans that are available to you. Narrow down your Medicare coverage options by comparing specific details such as:

    • Service area
    • Provider network
    • Monthly premium
    • Deductible
    • Out-of-pocket costs 
    • Prescription drug plan
    • Extra benefits, such as vision and dental coverage

It only takes a few minutes to search, and you could reduce your Medicare expenses by switching to a Medicare Advantage plan

Start saving today when you compare plans with the Insurify Medicare comparison tool. Uncover options in your area at no cost to you. Try it today!

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Updated May 7, 2021

Charlotte Edwards is a freelance writer with a passion for educating others in the areas of personal finance, health, and education. An educator-turned-writer, she has written for publications worldwide over the past decade. In her spare time, she enjoys reading, watching classic movies, and spending time with her husband and two children. You can learn more about her work and life abroad at www.livinginchinawithkids.com.