See an inventory of Wyoming Health Insurance Plans.
Learn more about each insurance carrier here: Cigna, Cigna PDP, Golden Rule. Compare health insurance quotes from nearby states: Montana Health Insurance, Colorado Health Insurance
Wyoming Health Insurance
When shopping for health insurance in Wyoming there are a few options to consider. Are you interested in individual health insurance or family insurance? Depending on your health status, are you eligible for coverage on the individual market? Or do you have a preexisting condition that prevents you from obtaining an individual health insurance policy? What if you own your own business? No matter what your situation is HealthPlanOne can help you compare plans and choose from options that are right for your needs and your budget. If you have a preexisting condition, a disability, or earn a low income, you may qualify for a free or low cost health care program offered by the government. You also may be eligible in Wyoming for Medicaid or the high risk pool. Eligibility requirements for each of these options are available on this page.
Click here to learn about Wyoming Medicare plans.
What Every Wyoming Resident Should Know About Health Insurance
The type of health insurance familiar to most consumers is group coverage offered by an employer. With group health insurance through your employer the policy is partially paid for by the company on behalf of their employees. The company will contribute a large percentage toward the monthly premium and you (the employee) will be responsible for paying the difference, about 16-27%. With group plans you have little choice in the specific benefits of the plan (these are determined by negotiations between the company and the insurance carrier) but you also cannot be denied coverage under the group plan no matter what prescriptions you may take or preexisting conditions you may have. By insuring a large group of employees together under one plan of the company's choosing, individual employees are not subject to medical underwriting, rather the entire group is underwritten as a whole to determine the premium level everyone will pay. Therefore, the amount you pay in premiums as well as the quality of the coverage you receive are dependent not on how healthy you are or what benefits you would like to have, but how healthy your group is as a whole and what benefits the company has chosen for you.
Unfortunately, companies frequently have a waiting period before new employees can qualify to receive health insurance benefits. If this is the case with your new job, consider getting a short-term policy from the point where your previous coverage ends to the time when your new company's insurance kicks in. Such options are available through HealthPlanOne. Simply visit our Short-Term information page for your free quotes.
It is important not to have a lapse in coverage of more than 63 days. If you do, your new insurance carrier may refuse to cover treatment for pre-existing conditions you may have such as asthma or acne for up to a year after your policy goes into effect. For this reason, having continuous health insurance coverage is particularly important.
What If I'm Between Jobs?
As previously mentioned, it is important not to have a break in coverage of more than 63 days. As a result, if you've recently lost your job look into extending the coverage you had with your employer through COBRA. With the COBRA program through the federal government you can extend your plan for up to 18 months after losing your job. You will however have to pick up the entire premium cost which your employer had previously been paying. For this reason, it is frequently more economical for people who've lost their jobs to invest in an individual/family insurance policy through HealthPlanOne.
With individual coverage, you choose the health insurance carrier and benefits you want with the help of HealthPlanOne. We will quote plans for you and your family from all the different carriers available in Wyoming so that you can choose from a wide price range and spectrum of options to tailor a plan that fits your needs. Even if you are not between jobs, a plan on the individual market through HealthPlanOne could still be the best option for your family. Many companies do not offer benefits to their employees, and often those companies that do offer benefits do so at an exorbitant cost for low quality plans. It is important to note that with individual coverage in Wyoming each person who applies is medically underwritten and may be approved, denied, or rated-up by the carrier depending on their health history in recent months. There is a 6 month look back and 12 month exclusionary period limit for preexisting conditions.
If you're healthy and are between jobs, are unhappy with the health insurance offered by your employer, or are not offered benefits by your company, enter your zip code into the HealthPlanOne quoting engine at the top of this page to view the most competitively priced plans in your area with benefits tailored to your needs. Quotes are absolutely free, and you're under no obligation to buy. Our licensed insurance specialists are also available via LiveChat or toll-free at (877) 567-5267 to answer any questions.
If you're not healthy there are still many programs available to you. See below for details on the options which best fit your medical and financial situation.
Small Group Plans
If you are self-employed you can apply for a small group plan. You must have 2 or more eligible employees who each work at least 30 hours per week. Small group plans are medically underwritten by all carriers in Wyoming. This means that though no one in the group can be denied coverage, the carrier can increase the rates based on the health history of employees enrolling. HealthPlanOne can help you by quoting plans for small groups. Simply call us toll-free (877) 567-5267.
Medicaid in Wyoming - EqualityCare
Medicaid is a government program designed to help the poor obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with qualified aged, blind, and disabled individuals. Wyoming's Medicaid Program, or EqualityCare, provides medical coverage for needy Wyoming residents who qualify.
Eligibility for EqualityCare is based on family income and sometimes healthcare needs. Medicaid eligibility in Wyoming is divided into 4 groups: Children; Pregnant Women; Family Care Adults; and Aged, Blind and Disabled.
Eligible children include:
- Newborns born to a Medicaid-eligible mother
- Low-income children with a family income of 100% or 133% below the Federal Poverty Level
- Foster Care Children is DFS
Eligible pregnant women include:
- Pregnant women with a family income below 133% of the Federal Poverty Level
Eligible family care adults include:
- Caretaker relatives with a dependent child with a family income below the 1996 Family Care Standard. The family care standard is a monthly income of no more than $362 for a family of 1 and no more than $659 for a family of four.
Eligible Aged, Blind and Disabled include:
The Medicaid program works like private insurance coverage in many ways. Medicaid pays health insurance providers for covered services after all other medical insurances, including Medicare, have been paid. A Medical Eligibility Card is issued to eligible individuals and allows you to receive medical services from a provider if:
- You are Medicaid eligible on the date the service is received, and
- the services is offered by the Medicaid Program, and
- the provider accepts Medicaid, and
- the provider agrees to bill Medicaid for the service
EqualityCare covers everything from regular checkups, immunizations, and well baby visits to emergency care, hospital visits, prescription drugs, vision, and dental. EqualityCare also covers preexisting conditions.
To learn more about Wyoming's Medicaid program, please visit http://wdh.state.wy.us/healthcarefin/equalitycare/index.html
Kid Care CHIP
Kid Care CHIP, or Wyoming's Children's Health Insurance Program, is a program designed to ensure that children and teens of both working and non-working families can have the health insurance they need. Kid Care CHIP offers quality health coverage for children at a low cost or no cost to Wyoming children and teens through age 18 who are uninsured and meet income and eligibility guidelines.
Eligible requirements include:
- U.S. citizenship or permanent residents residing in the U.S. for at least 5 years
- Wyoming resident
- Age 18 or younger
- Income Eligible
- Cannot be a dependent of an employee of the state of Wyoming
- Cannot be a resident of an institution
- Cannot have other health insurance within the last 30 days
Income guidelines are as follows: A family size of 2 must have a monthly income of no more than $2,428.33. A family of 8 must have a monthly income of no more than $6,168.33. This is income before taxes.
Kid Care CHIP covers services such as:
- Doctor Visits
- Inpatient and outpatient hospital visits
- Lab and x-ray services
- Immunizations and well baby services
- Dental Care, Vision & Hearing Care
- Prescription Drugs
- Physical Therapy and more
There are no enrollment costs or monthly premiums for Kid Care CHIP eligible children. Most services such as checkups and immunizations are free. However, there are copayments for some services. Doctor visits, outpatient services and emergency room services are $5 per visit. Generic drugs are $3 while brand name drugs are $5.
Women's Health Programs
The Wyoming Breast and Cervical Early detection program is funded by the Centers for Disease Control and Prevention. The program provides free breast and cervical screenings to women in Wyoming who meet certain guidelines for enrollment. Eligibility criteria include:
- Must be 50-64 years of age
- Must have an income at or below 250% of federal poverty guidelines
- And must not have any insurance coverage including Medicaid
Exams include pelvic exam, pap smears, clinical breast exam and/or mammogram, limited diagnostic tests, and access to breast or cervical treatment. In order to be eligible for these exams, your income must not exceed $27,075 annually before taxes for a family of 1 and up to $92,525 annually for a family of 8. Monthly income must not exceed $2,256 for a family of 1 and $7,710 for a family of 8. Hourly income must not exceed $13.03 for a family of 1 and $44.52 for a family of 8.
To learn more about the Wyoming Breast and Cervical Health Program please visithttp://wdh.state.wy.us/phsd/bccedp/index.html or call toll-free at 1.800.264.1296.
Wyoming High Risk Pool
Wyoming Health Insurance Pool (WHIP) provides health insurance coverage to residents of Wyoming who are denied health insurance due to preexisting conditions.
Eligibility criteria for WHIP include:
- Have been refused coverage for health reasons
- Have lost group coverage or exhausted COBRA
- Have involuntarily lost other coverage
- Have met your lifetime maximum with your current plan
- Are under the age of 65, on Medicare Disability, and are not eligible for group coverage
There are two options for coverage under the Wyoming Health Insurance Pool: The Brown Plan and The Gold Plan. Benefits under both plans include hospital and surgical care, adult and well child care, prescription drugs, ambulance services, and medical supplies. Other services include accidental dental care, physical therapy, home health and hospice, and diabetes screening and education services.
The WHIP Brown plan has a $5,000 deductible and an out of pocket maximum of $5,000. The WHIP Gold plan has a $1,000 deductible and a $2,000 out of pocket maximum. Monthly premiums for the Brown plan range from $164.40 to $1,521.50 depending on gender and age becoming more expensive as you age. The Gold plan monthly premiums range from $223.10 to $2,069.70 also depending on gender and age.
To learn more about the Wyoming Health Insurance Pool (WHIP) visit http://insurance.state.wy.us/whip.html