Many senior citizens have gaps in their Cheyenne, Wyoming, Medicare coverage. With so many residents uninsured or underinsured, our team recommends they supplement their Medicare.
Cheyenne, Wyoming Supplemental Medicare Plans
Only 3% of Wyoming residents currently use a Medicare Advantage plan. Additionally, only 38% of seniors use a Medigap plan. This guide will discuss different supplemental plans using data on females 65 years old on Original Medicare in Cheyenne, Wyoming.
Cheapest Medicare Advantage Plans in Cheyenne, Wyoming
Currently, 9,977 senior citizens live in Cheyenne, Wyoming. About 59% of these remain underinsured or uninsured. Cheyenne is in Laramie County, where one Medicare Advantage plan exists.
This plan is UnitedHealthcare. This four-star rated plan is a Local PPO, meaning it has a small service area. UnitedHealthcare’s Cheyenne, Wyoming Medicare Advantage plan has a monthly premium of $35.00 and a MOOP (maximum out-of-pocket) rate of $6,200.
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Affordable Medicare Supplement Plans in Cheyenne, Wyoming
Medigap and Medicare Supplement plan benefits don’t change from state to state because the government standardizes these plans. However, their monthly premiums do change. We’ll explore a few plans.
Plan G provides comprehensive coverage and is an ideal Cheyenne, Wyoming, Medicare supplemental plan. While this plan’s premiums are higher than many other plans, its comprehensive coverage makes it popular. The premium range for this plan is between $116.34 and $441.44.
For patients who want all the same benefits as Plan G but don’t want to pay high premiums, there’s Plan HDG. Plan HDG’s premium range is $34.00 to $74.25. However, while this plan has a much lower premium range, patients do need to pay a higher deductible.
Plan F is another popular plan that carries many of the same benefits as Plan G. With a premium range of $136.38 and $463.00, expect to pay around the same amount as Plan G. There’s also Plan HDG, with premiums ranging from $34.00 to $74.25.
Plan L is another plan with a low premium range. Plan L’s premium range is $77.17 to $262.37, making it one of the lowest costs on our list.
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Average Medicare Part D in Cheyenne, Wyoming
No Medigap plans cover prescriptions; only some Medicare Advantage plans cover medications. As a result, many residents supplement their Cheyenne, Wyoming, Medicare plans with standalone Part D plans.
Humana is a top-rated Cheyenne, Wyoming, Part D plan with a monthly premium of $22.70. With this plan, residents pay a deductible of $480. One great benefit is that this plan allows you to buy most generic medications for four dollars or less.
UnitedHealthcare is the best option if you want to pay a lower deductible. This four-star rated plan carries a deductible of $310. UnitedHealthcare’s monthly premiums are $29.30.
Wellcare is a three-star rated plan that significantly offsets the cost of generic medications. Using this plan, expect to pay between zero to six dollars for most generic drugs. In addition, this plan has a monthly premium of $10.60 and a $480 deductible.
Medicare Special Needs Plans in Cheyenne, Wyoming
Special Needs Plans (SNPs) exist as a subset of Medicare Advantage plans. These plans provide additional coverage to patients with special needs or chronic disabilities. However, not every area carries these plans.
For Cheyenne, Wyoming, there exists one plan. This plan is UnitedHealthcare which has a zero-dollar premium, a MOOP rate of $7,550, and dual eligibility. This plan is a Local PPO, meaning it has a small service area.
Are Medicare Parts A and B free in Cheyenne, Wyoming?
Medicare Part A is free for many residents in Cheyenne, Wyoming, which covers hospital care. Medicare Part B, however, is a different case as you need to pay monthly premiums.
In addition, Part B Medicare covers preventative care and doctor visits.
What does Medicare Part A cover in Cheyenne, Wyoming?
Medicare Part A covers a lot in Cheyenne, Wyoming. Examples include home healthcare, nursing home care, hospice care, inpatient care at a hospital, and care at a skilled nursing facility.
Who is eligible for Medicare Advantage in Cheyenne, Wyoming?
Cheyenne residents 65 years or older are eligible for Medicare Advantage plans. You are also eligible if you have a qualifying disability. Qualifying disabilities include end-stage renal disease and Lou Gehrig’s disease.
You also qualify if you receive Railroad Board disability annuity or Social Security disability insurance.
What drugs are covered by Medicare Part D in Cheyenne, Wyoming?
Every Part D plan contains a list of drugs it covers called a formulary. Most plans carry at least two drugs from every category and must cover all drugs like AIDS/HIV, antipsychotic medications, immunosuppressant drugs, antidepressants, and more.
Can I have more than one Medigap plan at the same time in Cheyenne, Wyoming?
No. Insurance companies can’t sell more than one Medigap Plan to a beneficiary by law. This is the case in Cheyenne, Wyoming, and the entire country.
However, residents can purchase additional supplemental plans such as Part D plans.
How To Sign Up for Supplemental Medicare in Cheyenne
Many Cheyenne senior citizens are either underinsured or aren’t insured at all. To supplement their healthcare, they can sign up for Medicare Advantage, Medigap, and Part D plans. However, with so many plans to choose from, picking the right one becomes tricky.
We work with all carriers to provide you with the best service possible. Our free service will pair you with the right plan to meet your medical needs and budget.
Call us today or fill out our online rate form to be connected with the best rates in Cheyenne, Wyoming.