Supplemental Medicare in Laramie, Wyoming, provides essential coverage to many beneficiaries. These plans cover aspects of healthcare that Original Medicare coverage doesn’t.

For Laramie, Wyoming, Medicare beneficiaries, the following sections of this article will provide valuable information on the pros and cons of each plan.

Laramie, Wyoming Supplemental Medicare Plans

Supplement plans allow you to cover services typically paid for out-of-pocket. Medigap plans and Medicare Advantage plans provide different benefits to Medicare beneficiaries.

In the following sections, we’ll provide quotes based on information applicable to a 70-year-old male beneficiary, so use them to give yourself an idea of your prices.

Average Medicare Advantage Plans in Laramie, WY

There are 3 Medicare Advantage plans available in Laramie, Wyoming, which is well below the national average. Private insurance companies provide these plans, which offer essential protection to beneficiaries in the state. The benefits and costs of these options vary, but each provides meaningful coverage to those who choose them.

All three plans are provided by UnitedHealthcare, though they do have some differences. The first has $35 premiums and a $6,200 Maximum-Out-of-Pocket (MOOP). This plan is a local PPO with a four-star rating.

The second plan charges $40 premiums and has a higher MOOP of $6,700. This is a Private Fee-for-Service (PFFS) plan, meaning the plan provider determines how much to charge beneficiaries each year. This plan has a three-star rating.

The third plan has $74 premiums and has the same $6,700 MOOP. The big difference between this plan and the one just above is that this plan offers prescription drug coverage. This plan also has a three-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
UnitedHealthcare $35.00 $6,200 LOCAL PPO 4
UnitedHealthcare $40.00 $6,700 PFFS 3
UnitedHealthcare $74.00 $6,700 PFFS 3

Cheapest Medicare Supplement Plans in Laramie, WY

Obtaining near-complete coverage for your healthcare expenses with a Medicare supplement plan is possible. In addition to providing broader coverage, these plans protect beneficiaries from unforeseen expenses. There are no differences in plan benefits no matter where you live, but you will pay a different price depending on location.

Benefits under Plan G are comprehensive, which is why the plan is popular among beneficiaries. The premium for this Medigap policy ranges from $120 to $441. Some coverage gaps still exist in the plan, although it covers most medical expenses.

Among the Medigap options available in Laramie, Plan F has premiums ranging from $144 to $463, which makes it more expensive than most. Among all Medigap plans, Plan F provides the most comprehensive coverage, covering Medicare excess charges. Beneficiaries pay the premium, and then the plan covers everything else.

Wyoming beneficiaries can choose Plan N, a cheaper yet effective alternative costing between $95 and $370. With this plan, you can get adequate coverage at an affordable price, but there are some downsides. In most cases, Plan N beneficiaries must pay a copay for medical care.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $120.26 $423.34
PLAN B $163.75 $382.75
PLAN C $160.50 $461.12
PLAN D $138.33 $306.40
PLAN F $144.14 $463.00
PLAN HDF $43.48 $91.46
PLAN G $120.86 $441.44
PLAN HDG $45.00 $78.39
PLAN K $66.42 $161.87
PLAN L $81.92 $262.37
PLAN M $146.93 $297.57
PLAN N $95.60 $370.67

Affordable Medicare Part D in Laramie, WY

When you are a Medicare beneficiary, Part D insurance will cover most medications your doctor prescribes to you for various ailments. The coverage of these expenses is critical because Medicare Advantage plans and most Medigap policies do not cover them. Therefore, it is necessary for most beneficiaries in Laramie, Wyoming, to register for part D.

With a monthly premium of $6.80 and a deductible of $480, Aetna offers the lowest premiums of any local provider. Beneficiaries who shop at a preferred pharmacy can pay as little as $1 for their medications. However, they still must pay Part B premiums.

Wellcare, on the other hand, charges $10.60 a month with a $480 deductible. This deductible doesn’t apply to Tier 1 drugs. Those who are part of the Extra Help program pay reduced medication prices.

UnitedHealthcare provides a smaller deductible of $350 but charges a higher premium of $29.30. Like Wellcare, that deductible doesn’t apply to Tier 1 drugs. When using Walgreens, the plan’s preferred pharmacy, beneficiaries can pay lower prices for their medications.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.80 $480 3
Wellcare $10.60 $480 3
Clear Spring $16.60 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Laramie, WY

SNPs are Medicare Advantage plans available to people with special medical needs. Check if you qualify for one of these plans since they can benefit some beneficiaries significantly.

Only one SNP is available to Medicare beneficiaries in Wyoming. UnitedHealthcare’s plan offers dual eligibility, a MOOP of $7,550, and a zero-dollar monthly premium. This plan covers dental, hearing, vision, and even transportation to and from appointments.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 LOCAL PPO Dual

FAQs

Which Medigap plan offers the most coverage in Laramie, Wyoming?

For Medicare beneficiaries in Laramie, Wyoming, seeking the most expansive Medigap plan available, Plan F is an excellent option. This plan provides the most comprehensive coverage of any Medigap plan, covering most medical costs, including Medicare excess charges.

What is the deductible for Plan G in 2022 in Laramie, Wyoming?

Your deductible may vary depending on the type of Medigap plan you choose. For most medical care, Plan G does not require beneficiaries to pay a deductible.

However, beneficiaries who select the high deductible version of Plan F must pay for medical costs up to $2,450 before Medicare covers their expenses.

What are the 10 Medigap plans in Laramie, Wyoming?

Medicare beneficiaries in Laramie, Wyoming, can choose from a range of Medigap plans. The available plans in the area are A, B, C, F, G, K, L, N, HDF, HDF, D, and M. Each of these plans offers different coverage to Medicare beneficiaries in Wyoming.

Do Medigap premiums increase with age in Laramie, Wyoming?

While Medigap premiums can increase with age in Laramie, Wyoming, the answer to this question depends on the plan’s rating system. Attained-age-rated plans will adjust premiums as beneficiaries age, while other types of plans will typically remain stable throughout the beneficiary’s life.

Therefore, analyzing the rating system of the plans you are considering is essential to finding the most cost-effective Medicare coverage in Laramie, Wyoming.

How much is Medigap plan G in Laramie, Wyoming?

Medigap Plan G is an excellent option for Laramie, Wyoming, Medicare beneficiaries due to its ideal balance between cost and coverage. Beneficiaries in the area typically pay between $78 and $369 for Medigap Plan G.

Your price may vary depending on various factors, including the plan’s rating system and lifestyle factors.

How to Sign Up for Supplemental Medicare in Laramie

Enrolling in Medicare can be confusing and challenging in Laramie, Wyoming, so getting help can reduce stress significantly.

With Medigap.com, you can easily find the best Laramie, Wyoming, Medicare coverage.

Contact us to get affordable coverage for Laramie residents, or fill out the online rate form to get the best rates for your area today!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.