Wyoming Health Insurance

Health Insurance Overview

Wyoming residents have many options for health care coverage. There are numerous Wyoming health insurance providers to choose from, along with a variety of Wyoming medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Wyoming health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Wyoming medical insurance from the best Wyoming insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Wyoming health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Wyoming health insurance programs, and even details on some of the top Wyoming insurance providers.

To compare specific Wyoming medical insurance plans offered by the various Wyoming insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Wyoming health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Wyoming health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Wyoming? Find your state here.

Wyoming Health Insurance Facts & Statistics

Total Wyoming Residents – 535,800

Total Health Insurance Coverage In Wyoming:
Employer – 53%
Individual – 6%
Medicaid – 12%
Medicare – 12%
Other Public – 2%
Uninsured – 16%

Average Individual Monthly Premiums – $267

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 15%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $802

Average adjusted hospital cost per inpatient day – $1,025

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Wyoming Medical Insurance Laws, Regulations & Policies

There are several Wyoming health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state laws, Wyoming insurance providers must offer guaranteed renewable plans, which means they are not allowed to cancel coverage once you’re accepted in a plan if you get sick or are injured.

However, insurance companies in Wyoming will look at an applicant’s health status before accepting them into coverage. If a resident is turned down for coverage because of a pre-existing health condition or other health reason, they can still buy a plan in Wyoming’s high risk health insurance pool. However, it is important to note that these plans can be quite expensive.

Wyoming health insurance law also requires all health plans to provide coverage for these medical services:

  • Screening for colorectal, prostate, breast, and cervical cancer
  • Diabetes care

Some Wyoming residents are also protected under the federal law, HIPAA, if they recently left an employer’s group health plan and meet other requirements. HIPAA prohibits Wyoming insurance providers from denying or restricting coverage for eligible residents.

Wyoming Health Insurance Resources

Wyoming Department of Health

Provides information on all the resources and services provided by the Department of Health. Visit the website.

Wyoming Department of Family Services

To find out about financial assistance programs in Wyoming, visit the state’s DOFS website.

Wyoming Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Wyoming with pre-existing conditions can get health insurance coverage through the state’s Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Wyoming health insurance policies and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Wyoming PCIP pay around the same amount as people without pre-existing conditions pay for health insurance. The estimated premiums for Wyoming residents are $234 for ages 0 to 34; $280 for ages 35 to 44; $358 for ages 45 to 54; $498 for ages 55 and older. The plan has a $2,500 deductible that has to be met before health insurance benefits are covered. The out-of-pocket limit is set at $5,950 for a year. Those residents who are eligible for the plan will then have access to health insurance coverage for prescription drugs, doctor and hospital visits, emergency services, and more.

Individuals may apply for the Wyoming PCIP program is they are a United States’ citizen, have not have insurance for six months, and have an existing medical condition. For more information on the Wyoming health insurance high risk pools visit http://HealthCare.gov.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Wyoming Medical Insurance and Health Care Programs

The state of Wyoming offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    In Wyoming, the Medicaid program is called EqualityCare, and it provides health insurance coverage for certain low-income residents and disabled citizens. To learn more about EqualityCare, visit the website.
  • Wyoming Kid Care
    The Wyoming Kid Care program is the state’s Children’s Health Insurance Program (SCHIP), which provides low-cost or free health coverage for children who do not qualify for Medicaid. Find out more about this Wyoming medical insurance program for children online. Visit the website.
  • Wyoming Breast and Cervical Cancer Early Detection Program
    Low-income women in Wyoming can receive free mammograms and cervical cancer screening through this program. Learn more about this women’s Wyoming medical insurance program.
  • Wyoming Medicare
    Seniors can find Wyoming health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Some trade workers and early retirees in Wyoming can also receive financial assistance from the federal government through the Federal Health Coverage Tax Credit. Get more info about this tax credit http://www.irs.gov/individuals/article/0,,id=109960,00.html.

Wyoming Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Altius Health Plans Health Insurance

Altius Health Plans, a part of the Coventry Health Care network, provides coverage to consumers in 22 states with more than 4,700 hospitals and 490,000 doctors.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

WINhealth Partners Health Insurance

WINhealth Partners is the only licensed HMO in Wyoming, focusing on its members’ wellness and providing flexible options.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Wyoming Department of Insurance and Department of Health

Find the contact information for the Wyoming health insurance and health departments at:

Wyoming Insurance Department
106 East 6th Avenue
Cheyenne, WY 82002
Phone: (307) 777-7401
http://insurance.state.wy.us/

Wyoming Department of Health
401 Hathaway Building
Cheyenne, WY 82002
Phone: (307) 777-7656
http://www.health.wyo.gov/