Assurant

In Wyoming, medical underwriting is allowed without restriction. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions.

 

High Risk Pool

Wyoming offers a high risk pool called The Wyoming Health Insurance Pool. You may be eligible for this coverage due to your HIPAA rights or if you are a resident of Wyoming, and either you have been denied coverage due to a medical condition, you have been offered coverage with limitations and exclusions, you have been offered coverage at a rate that is higher than that of the pool, or you are federally eligible. 

 

Coverage under the high risk pool includes doctor visits, prescription drugs, outpatient and in-hospital care, maternity, ambulance, labs and x-rays, skilled nursing care, hospice, home health visits, rehabilitation, durable medical equipment, and mental health and substance abuse.

In Wyoming, medical underwriting is allowed with rates varying plus or minus 35% of the indexed rate based on the health status of the group. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions for those without prior health coverage.

Wyoming offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. Many companies with 20 or more employees that offer health insurance are required to offer employees and their dependents continuation coverage for benefits that were lost due, for example, to job loss, reduction in hours worked, death, or divorce. 

Medicaid is a state/federal program that pays for medical and long-term care services for low-income pregnant women, children, certain people on Medicare, disabled individuals and nursing home residents. These individuals must meet certain income and other requirements.

Children

Children (ages 1-5)-133% of the Federal Poverty Level
Children (Ages 6-19)-100% of the Federal Poverty Level

 

Pregnant Women and Infants

Pregnant Women-133% of the Federal Poverty Level
Infants (ages 0-1)-133% of the Federal Poverty Level

 

Parents

Non Working Parents- 45% of the Federal Poverty Level

Working Parents- 60% of the Federal Poverty Level

 

Other populations

Supplemental Security Income Recipients- 74% of the Federal

Poverty Level

 

Acquired Brain Injury, adult developmental disabilities, ambulance services, ambulatory surgical center services, assisted living facility, community mental health center services, dental services, developmental center services, end-state renal disease services, family planning, Health Check exams, health management services, hearing services, home health services, hospice, hospital services, intermediate care facility for the mentally retarded, laboratory and x-ray services, long term care, medical supplies and equipment, mental hospital services, nurse practitioner and nurse midwife services, nursing facility services, organ transplants, occupational and physical therapy, physician services, prescription drugs, prosthetics and orthotics, rehabilitation services, surgical services, transportation services, and vision services.

 

Co-payments vary. There are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services.

 

You may learn more about Wyoming Medicaid at http://wdh.state.wy.us/medicaid/index.asp.

Wyoming offers Kid Care CHIP for children under the age of 18, whose family income is up to 185% of the Federal Poverty Level, who are residents of Wyoming, U.S. citizens or 5 year residents, and do not qualify for Medicaid. Please visit the Kid care CHIP website for more detailed information at http://www.health.wyo.gov/healthcarefin/chip/index.html