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.
Medicare plans in Laramie, Wyoming
Supplement plans allow you to cover services typically paid for out-of-pocket. Medigap plans and Medicare Advantage plans provide different benefits to Original Medicare beneficiaries in Laramie, Wyoming.
In the following sections, we’ll provide information applicable to a 70-year-old male beneficiary, so use them to give yourself an idea of your prices.
Medicare Advantage plans
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 offers meaningful coverage for those who choose them.
UnitedHealthcare provides all three plans, 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.
The average cost of Medicare Advantage plans in Laramie, Wyoming
| 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 |
Medicare Supplement plans
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 Laramie, Wyoming, Medicare Supplement policy ranges from $120 to $441. The plan still has Some coverage gaps, 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.
The average cost of Medicare Supplement plans in Laramie, Wyoming
| 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 |
Medicare Part D prescription drug plans
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 don’t cover them. Therefore, it’s 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.
The average cost of Medicare Part D plans in Laramie, Wyoming
| 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 |
Special Needs plans
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 UnitedHealthcare’sligibility, a MOOP of $7,550, and a zero-dollar monthly premium. This plan covers dental, hearing, vision, and even transportation to and from appointments.
The average cost of Medicare Special Needs plans in Laramie, Wyoming
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
How to sign up for Medicare plans 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!
