Medicare Supplement (Medigap) Policies

In Wyoming, insurers are only required to offer a Medicare Supplement Policy to adults under sixty-five if they are afflicted with end-stage renal disease.

Medicare Savings Program (premium support)

Wyoming has three Medicare Savings Programs:

Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1214, the state pays all premiums for Part B and all Co-Pays and Deductibles for Part A & Part B.
Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.
Qualified Individuals (QIs): For individuals with income under $1218 or for couples with an income under $1639, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6,600 or be part of a couple with assets below $9,910.

Mini-COBRA Policies (small group)
Small employers are required to continue coverage for the employee and his dependents for twelve months after an employee is terminated or simply loses eligibility for coverage. Group plans are allowed to drop benefits such as prescription drug or dental coverage.

State Health Insurance Assistance Program
The Wyoming Department of Insurance subcontracts with Wyoming Senior Citizens, Inc. to provide SHIP services through its Wyoming Senior Health Insurance Information Program (WSHIIP). The program operates out of offices in Casper, Cheyenne, Riverton and Wheatland; it is managed out of Cheyenne. Services are available on Native American reservations, as well.

http://www.wyomingseniors.com/

High-Risk Pool
The Wyoming High-Risk Insurance Pool is open to citizens through HIPAA and Medical Eligibility rules. For more information, see:
http://insurance.state.wy.us/whip.html

Low-Income Subsidy (“extra-help”) for Prescription Drugs
This program is a subsidy for Medicare Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Wyoming in 2012, the low-income subsidy was $36.02 per month.

If you live in Wyoming, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance. They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, or MediGap Plan for you.