Introduction to Medicare Part C in Wyoming (Medicare Advantage)

There are many names for Medicare Advantage – Medicare “replacement” or Medicare “Part C” to name a few – but they all basically stand for the same thing. Medicare Advantage is a special type of health insurance policy which is closely linked to the federal Medicare program. These policies, provided by a private company, offer many of the health benefits you would normally get through federal Medicare, plus the option to add additional coverage and benefits. Medicare Advantage is just one of many ways in which you can supplement your Original Medicare coverage.

Federal Regulations for Medicare Advantage

By law, each Medicare Advantage policy must offer you the same benefits as Original Medicare Parts A and B. These laws protect consumers, since a Medicare Advantage effectively replaces your federal health benefits, from being sold inferior coverage. However, such scenarios are unlikely. If anything, you will probably end up with more coverage than when you started.

Medicare Advantage Enrollment In Wyoming

Medicare Part C is virtually unheard of within the state of Wyoming. A meager 3% of retired persons in the state are supplementing their Medicare benefits through Medicare Advantage. Of those, you can easily see which plans have the highest rankings among seniors:

Plan Type Enrollment Percentage
HMO Plans 59%
Local PPO Plans 13%
Special Needs Plans 11%
Regional PPO Plans 9%
Private Fee-For-Service Plans 5%
Other (Cost Plans, MSA’s, etc.) 3%

Plan Coverage & Cost

Are you male, or female? Are you a smoker, or have you ever been one? Do you exercise regularly? In what part of Wyoming do you live? These questions, and more, can play an important part in how your monthly premiums are calculated. Look below for some sample estimates:

Most Popular Medicare Advantage Plans in Wyoming

There are a great variety of different Medicare Advantage plans available for you to choose from. Probably the biggest difference from one plan to the next, though, involves your provider network. The provider networks available are very different from one another. Some give you more access to doctors and hospitals than others, but you will likely pay a higher monthly premium for such plans.

Helpful Medicare Advantage Tips & Tricks

Doctor/Provider Network Restrictions

Unfortunately, Medicare Advantage is not as widely accepted as Original Medicare. This is due to the provider network system which Advantage providers use in order to connect you with medical care. Some Plans, such as HMO plans, give you a very limited selection of doctors and hospitals to choose from, along with elevated restrictions for getting care. But these plans are typically more affordable than PPO or PFFS Medicare Advantage plans.

Doctor/Providers List

Drug, Vision and Dental Coverage

One good thing which Medicare Advantage offers is the option to add additional benefits that are hard to get from other sources. Few Medicare supplements have such flexibility. You can purchase a Medicare Advantage plan with prescription drug benefits (known as MAPD plans), vision, dental, and more. Naturally, the more coverage you add, the more expensive your plan will become. For some, however, the added price saves them time and aggravation over handling separate insurance policies simultaneously.

Enrollment Options & Best Time To Enroll

The best time to enroll in Medicare Advantage is right after you turn 65, within your Initial Enrollment Period window. Outside of this six month window, it can become increasingly difficult to get quality coverage at an affordable price. This can become an even more difficult challenge if you are plagued by any sort of chronic illness (such as End Stage Renal Disease) or other serious pre-existing condition. However, there are options. Your state department of insurance will have more information, as well as your local insurance agent. You can also visit our Medicare Advantage Enrollment Options page for additional info.

  • Initial Enrollment Period: Within your first 6 months of Medicare enrollment, you can enroll in a Medicare Advantage policy.
  • Annual Enrollment Period (AEP): From October 15th through December 7th each year, you are free to change or cancel your Medicare Advantage and part D drug plan.
  • Special Enrollment Period (SEP): Any sort of special circumstance in which you may need to change or get new coverage outside of a regular enrollment period, such as moving out of your service area, losing your employer/plan coverage, or your provider ceasing coverage in your area.

What Medicare Advantage Plan Is Best For Me?

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