Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Wyoming
Connect with Medicare agents in Wyoming
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Wyoming
In Wyoming, 82% of people on Medicare choose to stay on Original Medicare (Part A and Part B). Only 18% choose to switch to a Medicare Advantage plan. Medicare Advantage plans (also called Part C plans) must cover the same things as Original Medicare, and may also provide additional coverage and benefits.
Original Medicare does not cover prescription drugs. People on Medicare can get Part D coverage to get prescription coverage. Part D coverage can be obtained in one of two ways: either through a standalone Part D plan or through a Medicare Advantage plan that includes Part D coverage.
Both Original Medicare and Medicare Advantage leave beneficiaries responsible for out-of-pocket costs in the form of deductibles, coinsurance, and copayments. The amounts for each of these costs will be different between different Medicare Advantage plans. Medicare Advantage plans are required to put a limit on how much beneficiaries will owe in out-of-pocket costs in a year. Original Medicare, however, does not have an out-of-pocket limit. Many people on Original Medicare choose to add a Medicare Supplement (also called Medigap) plan to their coverage to limit their out-of-pocket costs and get better financial predictability.
Original Medicare allows Wyoming residents to visit any doctor or hospital in the US that accepts Medicare. Medicare Advantage plans have provider networks, which can limit where beneficiaries can get full coverage.
How to apply for Medicare in Wyoming?
Medicare eligibility in Wyoming follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Wyoming takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
Is it free to get help from a Medicare agent in Wyoming?
Yes. Wyoming Medicare agents provide free support for comparing and enrolling in Medicare plans. Wyoming residents can get advice and support from one of Chapter's licensed Medicare agents at no cost. You can call Chapter at (855) 900-2427 to schedule a free consultation or get answers to your Medicare questions.
How can living in rural Wyoming affect Medicare Advantage availability and provider access?
Medicare Advantage plan availability varies by county, and those in rural counties may have fewer plans to choose from than those in more urban areas. Additionally, rural residents may have fewer close providers that are in-network. That can mean enrollees must travel farther to see an in-network provider. Rural residents should check whether their preferred doctors and facilities are in-network before enrolling in a Medicare Advantage plan.
How does Wyoming's Medicare Supplement birthday rule work?
In Wyoming, the Medicare Supplement birthday rule gives existing Medigap policyholders an annual opportunity to switch plans. The period begins on their birthday and lasts 63 days. During the birthday-rule period, they can switch to a plan with the same or fewer benefits—and insurance carriers cannot deny their application or charge them more based on their health history. Policyholders should use this time each year to compare the costs of their available options to ensure they still have the most suitable plan.
When should Wyoming residents sign up for Medicare?
Most people first become eligible for Medicare when they turn 65, and can enroll during their Initial Enrollment Period. The Initial Enrollment Period begins three months before the month you turn 65, includes your birthday month, and lasts three months after. Wyoming residents receiving Social Security benefits at least four months before turning 65 are enrolled in Medicare Part A and Part B automatically. Delaying Medicare Part B or premium Part A enrollment without other qualifying coverage may result in late enrollment penalties.
