The Best Medicare Supplement (Medigap) Plans in Wyoming

Christian Worstell
In this article...
  • Wyoming Medicare Supplement Insurance stretches your budget by covering some of the expenses that Original Medicare doesn't pay. Check out our review of Wyoming Medigap plans to learn more about this type of insurance.

Original Medicare pays for hospital care (Part A) and a wide variety of outpatient diagnostic and preventive services (Part B). Although Medicare coverage costs much less than what you would pay for a private plan, it doesn't pay for 100% of every covered service.

For Part B services, for example, you typically have to pay 20% coinsurance for Medicare-approved services. You also have to pay deductibles, premiums and other out-of-pocket expenses. Wyoming Medicare Supplement Insurance gives you extra coverage, reducing your out-of-pocket costs and giving you more wiggle room in your budget.

Over half (53%) of Wyoming's Original Medicare enrollees carry Medigap coverage.1 If you're interested in learning more about how Wyoming Medigap can help reduce your out-of-pocket medical expenses, check out the research below and use the information to determine which Medigap plan is right for you.

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Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Wyoming Medicare Supplement Plans?

The chart below lists the 10 Medigap plans available in Wyoming. Medicare Supplement Insurance is separate from Original Medicare, so you'll buy your Medigap plan from a private insurance company and pay a separate premium for your supplemental coverage.

Although Medigap isn't part of the federally managed Original Medicare program, most states use the same standardization rules, so the plans available in Wyoming have the same benefits as the plans available in most other states.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

The level of coverage offered depends on which plan you select. Some benefits are included in all 10 plans; for example, you get an additional year of hospital coverage with any Wyoming Medigap plan. Depending on which plan you choose, Medigap may cover anywhere from 50% to 100% of copays for Part B services. 

When you shop for Medigap coverage, you must compare plans based on their coverage and monthly premiums. Plans F and G have some of the lowest premiums, making them a good option if your budget is tight and you don't want to commit to a higher monthly premium.

Although Plan F is no longer available for Medicare enrollees who became eligible after January 1, 2020, you can still enroll in Plan G to take advantage of the low premium amount.

Many people like Plan N for its expansive coverage. You may pay a little more in premiums, but you also get more benefits. For example, Plan N picks up 100% of every Medicare copay. Your plan may charge its own copays for certain services, but these copays are usually limited to $20 for a medical appointment or $50 for emergency care, which is much less than you would pay without Medigap coverage.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in a Wyoming Medigap Plan?

To enroll in a Wyoming Medigap plan, you must be enrolled in Medicare Part A and Medicare Part B. Once you sign up for Medicare Part B, you'll enter your Medigap initial enrollment period, a six-month period in which you have guaranteed issue rights for any Medigap plan of your choice.

"Guaranteed issue" means that an insurance company must issue you a policy, without regard for your medical history or other risk factors. During your Medigap initial enrollment period, an insurance company can't charge you more because you have a pre-existing condition, and it can't deny your application based on your medical history.

It's important to sign up during your Medigap initial enrollment period; otherwise, your guaranteed issue rights may go away. Once your guaranteed issue rights expire, insurance companies can use underwriting to determine if you're a high-risk applicant.

Based on your risk level, a company may charge you more money for coverage, or it may refuse to cover you at all. Therefore, missing the Medigap initial enrollment period can leave you without supplemental coverage, or it could result in a substantial increase in your monthly premium amounts.

Although guaranteed issue rights usually expire once your Medigap initial enrollment period ends, there are a few exceptions to the guidelines outlined above.

  • If you don't enroll in Medicare Part B as soon as you turn 65 because you have some other type of health coverage, your Medigap initial enrollment period won't start until you sign up for Medicare Part B.

  • Your insurance company may impose a six-month waiting period if you have any pre-existing conditions, meaning it won't pay for services related to any of those conditions until six months from the effective date of the policy. If you have asthma, for example, your Medigap plan may make you wait six months before it covers nebulizer treatments or other asthma-related care.

  • If your current health plan covers your pre-existing conditions, and it has done so for at least six months, your Medigap provider may waive the waiting period.

  • Sometimes, people lose their Medigap coverage through no fault of their own. If this happens to you, you can sign up for a different Medigap plan without having to go through the underwriting process.

  • If you tried Medicare Advantage and decided you would rather have Original Medicare, you retain your guaranteed issue rights as long as you switch to Original Medicare within the year.
  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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