Wyoming Medicare beneficiaries have access to a range of coverage options, state-specific protections, and free counseling services. This comprehensive Wyoming Medicare guide covers your SHIP office contacts, Medigap plan availability, birthday rule protections, Medicare Savings Program eligibility, Medicare Advantage options, and how to compare plans. Whether you are turning 65, helping a parent navigate Medicare, or re-evaluating your coverage, understanding Wyoming Medicare rules is essential for making informed decisions.
All information in this guide has been verified against official state sources, CMS data, and NAIC reports as of April 2026.
In This Wyoming Medicare Guide:
Wyoming SHIP — Free Medicare Counseling
Every state has a State Health Insurance Assistance Program (SHIP) that provides free, unbiased Medicare counseling. Wyoming’s SHIP program can help you understand your coverage options, compare plans, resolve billing issues, and navigate enrollment periods at no cost.
| SHIP Program | Wyoming State Health Insurance Information Program (WSHIIP), operated by Wyoming Senior Citizens, Inc. |
| Phone | 1-800-856-4398 |
| Website | https://www.wyomingseniors.com/services/wyoming-state-health-insurance-information-program |
SHIP counselors are trained volunteers and staff who are not affiliated with any insurance company. They do not sell plans. Contact your Wyoming SHIP office before making any major Medicare decisions.
Wyoming Medigap (Medicare Supplement) Plans
Medigap plans in Wyoming help cover out-of-pocket costs not paid by Original Medicare, including the Part A deductible, Part B coinsurance, and skilled nursing facility copays. Medigap plans are standardized by federal law, meaning Plan G from one carrier covers the same benefits as Plan G from another carrier. The difference is premium cost.
Plans available in Wyoming: A, B, C, D, F, G, K, L, M, N (all 10 standardized plans; C and F available only to those Medicare-eligible before January 1, 2020)
Most popular plan: Plan G (most popular among new enrollees since 2020; Plan F remains most enrolled overall due to grandfathered policyholders with 31332 of 51281 total Medigap participants) is the most popular Medigap plan in Wyoming. Plan G covers all gaps in Original Medicare except the annual Part B deductible ($240 in 2026). Plan N is the most popular lower-premium alternative, with small copays for some doctor visits and ER visits.
Pricing method: Wyoming uses community-rated Medigap pricing. This is the most favorable method for consumers because premiums are the same regardless of age. Your premium will not increase simply because you get older.
The average monthly Plan G premium for a 65-year-old in Wyoming is approximately $152. Plan N averages approximately $105 per month. Actual premiums vary by carrier, age, gender, tobacco use, and zip code. Always compare quotes from at least three carriers.
Wyoming Medigap Birthday Rule
Wyoming is one of the few states with a Medigap birthday rule. Effective June 4, 2025, Wyoming Medigap enrollees have a 63-day guaranteed issue window starting on their birthday each year to switch to any Medigap plan with equal or lesser benefits from any carrier, without medical underwriting or pre-existing condition exclusions. Only available to current Medigap policyholders, not new enrollees.
This annual switching window gives Wyoming Medicare beneficiaries an opportunity to change Medigap plans without medical underwriting, potentially finding lower premiums or better coverage. Not all states offer this protection.
Wyoming guaranteed issue protections: Federal 6-month Medigap OEP at initial Part B enrollment plus the annual birthday rule (63-day window). Wyoming also operates the Wyoming Health Insurance Pool, which provides guaranteed-issue supplemental coverage for Medicare beneficiaries who are denied Medigap through standard medical underwriting.
Wyoming Medicare Advantage (Part C)
Approximately 127083 people in Wyoming are enrolled in Medicare. About 17-18% of Wyoming Medicare beneficiaries choose Medicare Advantage plans, with the remainder on Original Medicare with or without Medigap supplement coverage.
Medicare Advantage plans in Wyoming are offered by private insurers as an alternative to Original Medicare. Most MA plans include prescription drug coverage (Part D) and often add dental, vision, and hearing benefits. However, MA plans use provider networks, which can limit your choice of doctors and hospitals.
Key Medicare Advantage considerations in Wyoming:
- Networks matter: HMO plans require you to use in-network providers except in emergencies. PPO plans allow out-of-network care at higher cost.
- $0 premium plans: Many Wyoming MA plans have $0 monthly premiums (you still pay your Part B premium).
- Maximum Out-of-Pocket (MOOP): MA plans cap your annual spending, unlike Original Medicare which has no cap.
- Star ratings: CMS rates MA plans 1-5 stars. Higher-rated plans often have lower costs and better coverage.
Top Medicare Advantage carriers in Wyoming by enrollment:
- UnitedHealthcare
- Humana
- WyoBlue Advantage (BCBS affiliate
- new for 2026)
- Aetna
Wyoming Medicare Financial Help Programs
Wyoming offers Medicare Savings Programs (MSPs) that help low-income Medicare beneficiaries pay for premiums, deductibles, and copays. The four programs are:
- QMB (Qualified Medicare Beneficiary): Pays Part A and Part B premiums, deductibles, coinsurance, and copays.
- SLMB (Specified Low-Income Medicare Beneficiary): Pays Part B premiums only.
- QI (Qualifying Individual): Pays Part B premiums (limited funding, first-come first-served).
- QDWI (Qualified Disabled Working Individual): Pays Part A premiums for disabled workers.
Wyoming MSP eligibility: QMB: 1325/month single, 1783/month married; SLMB: 1585/month single, 2135/month married; QI: 1781/month single, 2400/month married. Asset limits: 9660 single, 14470 married.
Apply through your local SHIP office or your state Medicaid agency for free help determining eligibility.
Top Medicare Insurance Companies in Wyoming
Top Medigap carriers in Wyoming:
- Blue Cross Blue Shield of Wyoming
- Transamerica
- Mutual of Omaha
- Aetna
- Cigna
When comparing carriers, focus on premium cost (for identical standardized Medigap plans, benefits are the same — only price differs), financial strength ratings from AM Best (A or higher), customer satisfaction ratings, and claims processing speed.
Wyoming Medicare Enrollment Periods
Understanding Medicare enrollment deadlines prevents costly late enrollment penalties:
- Initial Enrollment Period (IEP): 7-month window around your 65th birthday (3 months before, birthday month, 3 months after). Enroll in Parts A and B during this period.
- Medigap Open Enrollment: Standard federal 6-month period beginning the first day of the month the beneficiary turns 65 and is enrolled in Part B. Wyoming does not extend this beyond 6 months but supplements it with the annual birthday rule window.. During this period, insurance companies cannot deny you Medigap coverage or charge higher premiums based on health conditions.
- Annual Enrollment Period (AEP): October 15 through December 7 each year. Switch between Original Medicare and Medicare Advantage, change MA plans, or add/change Part D drug plans.
- Medicare Advantage Open Enrollment Period (OEP): January 1 through March 31. Switch MA plans or return to Original Medicare (and add a Medigap plan, subject to underwriting).
- Special Enrollment Periods (SEP): Available when you lose employer coverage, move, or qualify for other life events.
Additional Wyoming Medicare protections: Birthday rule (63-day annual Medigap switching window effective June 2025); Wyoming Health Insurance Pool providing guaranteed-issue coverage for Medicare beneficiaries denied Medigap through underwriting; Wyoming DOI publishes annual Medigap rate comparison buyer’s guide
Compare Wyoming Medicare Plans
Ready to compare Medicare options in Wyoming? Use the official Medicare Plan Finder or contact your local SHIP counselor for free, unbiased help.
Official Sources & Resources
- Medicare.gov: medicare.gov
- Wyoming Department of Insurance: https://doi.wyo.gov
- Wyoming State Health Insurance Information Program (WSHIIP), operated by Wyoming Senior Citizens, Inc.: https://www.wyomingseniors.com/services/wyoming-state-health-insurance-information-program
- CMS.gov: cms.gov
- NAIC: naic.org
This Wyoming Medicare guide was last verified against official sources in April 2026. If you notice outdated information, please contact us.