Wyoming is home to a large amount of coal production and the majority of Yellowstone Park. The state has a total population of a little over 568,000, making it the least populous yet the tenth most extensive in the US. Covered by the Rocky Mountains to the west and the Great Plains to the east, Wyoming has a large expanse of untouched land.
Wyoming residents have a mere three health insurance carriers to choose from for individual and family coverage. Companies serving Wyoming include Altius Health Plans, a Coventry company, WinHealth, a local Wyoming nonprofit HMO, and UnitedHealthcare. For a quick comparison of monthly premium rates and plan options, enter your zip code below. You can also call us for a personal appointment with an agent to answer any questions or help you find a plan at 888 803 5917.
The state of Wyoming has seen a slight decrease in overall health according to the most recent statistical gathering from UnitedHealth Foundation. Wyoming does have some advantages, such as the least air pollution in the country, and a very low occurrence of infectious disease. Public health funding is moderate, with a decent amount of money available per individual. Wyoming residents have also decreased the number of smoking adults, which is now at over 19 percent of the population.
Obesity has seen an increase, however, which now affects 110,000 adults living in Wyoming. Diabetes is fairly low in prevalence at just over 7 percent of the population. Falling just above the middle of the ranking scale, Wyoming could use some improvements in its health as every state could. Eating well and exercising in the vast natural space available in the state will contribute greatly to making progress as time goes on.
Health Insurance Plans
- Peak Plus Deductible First plans cover 70 to 80 percent of your physician and hospital care after deductible. These are POS plans, giving members the freedom to use in-network or out-of-network care. Care covered after deductible includes maternity services, surgery, inpatient stays, physical therapy, and lab work. Doctor’s office visits are available for a copay after meeting the deductible. These plans also cover non-network care at 40 percent when you meet the out-of-network deductible amount. Preventive services are the only discounted benefits available without having to wait, for no cost with network providers.
- Peak Plus Copay offers immediate benefits including primary care physician and specialist office visits. When the deductible is met, major medical care such as inpatient and outpatient hospital care will cost 20 percent coinsurance in-network. A separate pharmacy deductible applies to all levels of prescription drugs, which will be offered for a copay after it is met. These plans have individual deductibles of $1000 or $2000, and are a great choice for accessing immediate care for a low price.
- Peak Plus High Deductible plans offer comprehensive coverage and the option of starting a health savings account. HSAs connected to your plan add the ability to receive tax rewards for your medical expenses and closely manage payments for health care. Deductible options are $2,650 or $5,000 for individuals, with all in-network care covered at 100 percent after you reach your selected amount. These plans provide the lowest monthly premiums in exchange for a higher deductible and responsibility with cost sharing in order to meet your limit.
- Freedom HMO plans are offered to individuals and families in several deductibles and coinsurance options to fit your needs. Deductibles of $500 and $1500 have 20 percent coinsurance, and $2500 deductible plans have 30 percent. The Freedom 20 plan is a zero deductible, zero coinsurance plan, with all covered services available for a copayment as soon as your plan starts. Using the HMO network requires members to select a primary care physician who oversees all health care decisions, and referrals are needed to use certain types of care.
- Freedom HMO HSA plans have a $5000 deductible for individuals and give the option of pairing your plan with a health savings account. By opening an HSA, you can pay for covered services to help meet the deductible with tax-advantaged funds. After the deductible is reached, all types of covered hospital and physician care will be paid for entirely by your plan. These plans offer access to the HMO network, with the same designated PCP and referral system as other Freedom plans, yet there are no copays for any services.
- Copay plans are available in limited and comprehensive options, both offering coverage on necessary services for a predictable cost. As soon as your plan begins, these plans will cover either unlimited or your first four doctor’s office visits. You can also choose between prescription coverage on both brand names and generics, or just generics for greater savings. Copay plans have deductibles ranging from $1000 to $10,000 for individuals for both Select Value and Copay Select options. Select Value plans have 30 percent coinsurance, and Copay Select plans have 20 percent after deductible.
- High Deductible plans come in three types including, Plan 100, Plan 80 and Saver 80. Plan 100 offers coverage in full after deductible when using in network doctors for all types of medical care. Plan 80 also gives members access to a large amount of benefits, including inpatient and outpatient hospital care, prescription drugs, emergency room visits and more for 20% coinsurance. Saver 80 plans have a lighter level of coverage, but provide necessities for a very low monthly premium and a wide range of deductibles. Each of these plans covers preventive services at 100% from the start date of your plan.
- Health Savings Account plans have high deductibles and the allow the opportunity to use a health savings account (HSA) to pay for medical care or build savings. These plans are available with either 70 or 100 percent coverage after deductible on medical services such as doctor’s office visits, prescriptions, hospital care, surgery and more. Deductibles range from $2,500 to $5,000 for individuals for HSA 100 plans, and $1,250 to $5,000 for HSA 70 plans. With the ability to allocate funds specifically for health care costs, HSAs offer peace of mind, flexibility and control – with a comprehensive set of benefits in your health plan.
Public Health Options
Individuals who cannot afford to purchase a private health insurance plan, or are ineligible due to a health condition, have various state-funded plans to rely on for medical services. The most common solution for uninsured residents of Wyoming with a low income is Medicaid, which is offered to several groups of individuals. More services are offered based on specific illnesses and conditions, or receiving preventive care without insurance. For a full list of services provided by the state, visit the Wyoming Department of Health.
- Medicaid: health insurance coverage for families, children, pregnant women, and disabled, blind, and elderly persons in Wyoming.
- Pre-Existing Condition Insurance Plan (PCIP): medical coverage for individuals who have no insurance and a health condition that prevents them from being approved for a private health plan.
- KidCare CHIP: the Children’s Health Insurance Program in Wyoming for residents under age 19 without insurance coverage. Any income level can apply.
- Breast & Cervical Cancer Early Detection: provides education, screening services, case management, and treatment for women who are eligible for the program.
Health Insurance Laws
Wyoming health insurance companies have laws protecting their right to reject who they decide is ineligible for coverage and rate people up if they choose. Though this sounds a bit intimidating to the consumer, rest assured it will all be over in the near future as a result of the health care law. There is still over a year until the new laws from the Affordable Care Act take effect, so it is important to be informed of the current laws when you apply for an individual policy in Wyoming.
Pre-existing conditions are evaluated by the medical treatment an applicant has received in the six months before enrolling in a health policy in Wyoming. If an insurer feels your medical history qualifies you as having such a condition, you can be declined for coverage or have your premiums raised. You may also be issued an exclusion period of up to 12 months where the insurer will not cover treatment related to the condition, or a permanent exclusion if they attach an elimination rider.
The Pre-Existing Condition Insurance Plan is a right of every individual who has been turned away for health insurance. The US Department of Health and Human Services administers the Wyoming PCIP, and anyone who is considered high-risk and has been without coverage for at least 6 months is eligible. Once the Affordable Care Act’s main provisions take effect, these plans will no longer be available, and all high-risk adults will be able to receive coverage from any private health insurer in Wyoming.
Another current law is in place for guaranteed renewable coverage, which in certain health insurance plans offers individuals the right to keep their benefits even if they become ill after their benefits have started. It also prevents the insurer from canceling the policy holder’s benefits by requiring they offer to renew the plan for another year. More laws will soon be effective in Wyoming and the rest of the country, and we will keep you posted.