When you become eligible for Medicare, the federal government health insurance program, you have two options for how you get your coverage: through Original Medicare, which includes Medicare Part A and Part B, or through a Medicare Advantage Plan, also called Medicare Part C.

Medicare Advantage Plans are bundled plans designed to be an all-in-one alternative to Original Medicare. These plans include the same coverage as you would get through Medicare Part A and B, and often provide Part D prescription drug coverage as well. Some plans may provide other benefits for things Original Medicare doesn’t cover, such as dental, vision and hearing.

Since Medicare Advantage Plans are offered through Medicare-approved insurance companies that set their own benefits and rates, each Medicare Advantage Plan is unique. For this reason, you should compare the plans available to you before enrolling.

Continue reading this guide to learn everything you need to know about Medicare Advantage Plans in Wyoming.

Medicare Advantage Plans in Wyoming

Compare ratings of insurance companies offering Medicare Advantage Plans in Wyoming:

Insurance company Medicare rating A.M. Best rating BBB rating NCQA rating J.D. Power ranking
Blue Cross Blue Shield 4 to 4.5 stars A+ A+ Not rated Sixth out of 10
Humana 4 stars A- A+ 1.5 to 4.5 stars Third out of 10
UnitedHealthcare 3.5 stars A- A- 4 stars Fourth out of 10

What You Should Know About Medicare Advantage Plans in Wyoming

  • In 2022, there are nine Medicare Advantage plans available in Wyoming, compared to 6 plans in 2021.
  • 100% of Medicare beneficiaries have access to a zero premium Medicare Advantage plan in 2022.
  • The average Medicare Advantage monthly premium in 2022 is $47.58, a slight increase from 2021.
  • Through the CMS Innovation Center’s Value-Based Insurance Design (VBID) Model, 1 plans will offer Medicare Advantage enrollees eliminated Part D cost-sharing; rewards and incentives programs related to healthy behaviors; and customized, innovative benefits that address social determinants of health, such as food insecurity and social isolation, for certain underserved and/or chronically ill enrollees.

Is Medicare Advantage Right for You?

You have choices in Medicare coverage. While you can opt to stick with Original Medicare, a Medicare Advantage Plan – also known as Part C – may be a better alternative for you.

Original Medicare Medicare Advantage Plans
Original Medicare covers your Part A hospital insurance and Part B medical insurance. Medicare Advantage Plans combine Part A, Part B, and additional benefits.
You can add Part D prescription drug coverage. Prescription drug coverage is usually included.
You’re able to use any medical provider in the U.S. that accepts Medicare. You’ll usually need to use doctors in your plan’s network.
You can buy supplemental coverage to manage out-of-pocket costs, including your coinsurance. Your Medicare Advantage Plan may have lower out-of-pocket costs than Original Medicare.
Vision, hearing, dental, and other benefits aren’t covered. Your plan may offer additional benefits, including vision, hearing, and dental.
  • Note:
  • You can’t have both a Medicare Advantage Plan and a Medicare Supplement Plan.
  • You must be enrolled in Medicare Parts A and B to join a Medicare Advantage Plan.

What’s covered with a Medicare Advantage Plan?

Medicare Advantage Plans cover benefits from Original Medicare Part A (hospital insurance), Part B (medical insurance), usually Part D (prescription drug coverage), and sometimes additional benefits that Original Medicare doesn’t cover.  Each Medicare Advantage Plan insurer sets the rules about how you receive and pay for these benefits.

Hospital and skilled nursing facility inpatient care Home health care Prescription drug coverage (if included in your plan)
Medically necessary outpatient services, such as:

  • Doctor’s visits
  • Ambulance services
  • Emergency and urgent care
  • Durable medical equipment (DME)
  • Mental health care
  • Prescription drugs that you cannot self-administer
  • X-rays
  • Laboratory tests
Preventive services, such as:

  • Vaccinations
  • Cancer screenings
  • Diabetes screenings
  • Depression screenings
Additional benefits (depending on your plan), such as:

  • Routine vision exams with allowance for glasses
  • Routine dental exams
  • Hearing exams with allowance for hearing aids
  • Fitness and wellness programs and discounts
  • Transportation to medically necessary care
  • Over-the-counter (OTC) drugs

How to Compare Medicare Advantage Plans in Wyoming

With nine Medicare Advantage Plans available in Wyoming, your options may be limited. To help you choose the best plan for you, consider what is most important to you before selecting a plan. There are several factors to keep in mind:

  • Monthly premium: This is how much you pay for coverage monthly, regardless of the care you receive. You may need to pay your plan’s premium in addition to the Medicare Part B premium, although some plans have $0 premiums or help pay for your Part B premium.
  • Plan network: You may need to use doctors and providers who are within a plan’s network. Before choosing a Medicare Advantage Plan, think about the doctors and facilities (including pharmacies) you prefer to use, then check if the plan offers coverage at those locations. Some plans may provide out-of-network coverage, but this usually comes at a higher cost.
  • Deductible: Your deductible is the amount you must pay before your insurance plan starts helping cover the costs. Medicare Advantage Plans set their deductibles, and these may change only once per year on January 1.
  • Copayments and coinsurance: Copayments or coinsurance are how much you pay for each service or doctor’s visit, such as $20 per doctor visit. Each Medicare Advantage Plan sets its copayment or coinsurance amount that can differ from what you would pay through Original Medicare.
  • Out-of-pocket maximum: Each Medicare Advantage Plan sets a yearly limit on the maximum amount you’d be responsible for paying for services covered by Medicare. Once you reach this limit, you won’t have to pay anything for the services you receive covered by Part A and Part B in that year.
  • Additional coverage: Most Medicare Advantage Plans also provide prescription drug coverage and often include additional benefits that Original Medicare won’t cover, such as vision, dental, and hearing. Plans may provide even more benefits, like discounted gym membership or transportation to doctor’s visits. Medicare Advantage Plans can also tailor their benefits to the specific needs of particular chronically ill beneficiaries.

About Medicare Advantage Plans in Wyoming

There are nine Medicare Advantage Plans available across Wyoming. These include:

  • Local HMO plans
  • MSA plans
  • PFFS plans
Number of Medicare Advantage Plans available Medicare Advantage Plan types available Medicare Advantage Plans rated 3.5 or higher by NCQA
9
  • Local HMO
  • MSA
  • PFFS
  • Sierra Health PPO

Types of Medicare Advantage Plans in Wyoming

In Wyoming, the most common Medicare Advantage plans available are HMOs or PPOs, although there are also a few SNPs and regional PFFS plans available. Seniors eligible for Medicare may choose from plans provided by multiple private insurers, although the choices available vary by county.

Types of Medicare Advantage Plans
HMOs HMOs typically require that you receive all services from in network providers:

  • You must have a primary care physician (PCP), referrals for specialists, and prior authorizations for treatments and some prescriptions.
  • Drug coverage usually is included. You aren’t able to purchase standalone drug coverage.
  • Lower costs if you stay in network.
PPOs PPOs include a preferred network of providers, but you have the option of choosing doctors or hospitals from outside of the network for a higher cost.

  • You don’t need to choose a primary care doctor or referrals for specialists.
  • Drug coverage is usually included.
  • You aren’t able to purchase stand-alone drug coverage.
  • Higher premium and out-of-network costs.
PFFS Plans PFFS plans don’t require a primary care physician or referrals for specialists:

  • You can go to any Medicare-approved health care provider or facility that accepts the plan’s payment terms and agrees to treat you.
  • May include drug coverage, or you can purchase a standalone drug plan.
  • Higher cost if you choose a provider that doesn’t agree to the plan’s terms.
SNPs SNPs are only for people with specific conditions and characteristics, and include care coordination and targeted benefits tailored to meet your specific needs:

  • You need a PCP and referrals to specialists.
  • Drug coverage is always included.
  • If you’re eligible, you can join an SNP at any time.

Enrollment and Eligibility for Medicare Advantage Plans in Wyoming

You’re eligible for Medicare when you turn 65 or if you’re younger and have a qualifying disability. A qualifying disability means at least one of the following applies:

  • You’ve received Social Security Disability Insurance or Railroad Board Disability Annuity for 24 months
  • You have Amyotrophic Lateral Sclerosis (ALS), also known as Lou Gehrig’s disease
  • You have End-Stage Renal Disease

When you become eligible for Medicare, you are also eligible for Medicare Advantage Plans. There are specific times of the year when you can enroll for the first time in a Medicare Advantage Plan: during your Initial Enrollment Period and the Open Enrollment Period.

  • Your IEP begins three months before the month you turn 65 and extends for three months after the month you turn 65. During this period, you can enroll in a Medicare Advantage Plan. If you join before the month you turn 65, your coverage will begin the first day of the month you turn 65. If you enroll in the three months after turning 65, your coverage will begin the first day of the month after you enroll.
  • If you miss your IEP, you can sign up for Medicare during the General Enrollment Period from January 1 to March 31.
  • After you enroll in Medicare, you can enroll in or make changes to your Medicare Advantage Plan coverage during the Medicare OEP from October 15 and December 7 of each year. During this time, you can change from Original Medicare to Medicare Advantage, switch to a different Medicare Advantage Plan, or change from Medicare Advantage back to Original Medicare.

Medicare Advantage Open Enrollment occurs between January 1 and March 31 of each year. This period is only for beneficiaries already in a Medicare Advantage Plan, and you can change plans or switch to Original Medicare. You cannot switch from Original Medicare to Medicare Advantage during Medicare Advantage Open Enrollment.

There are exceptions to these enrollment periods called Special Enrollment Periods. Certain events or circumstances may make you eligible to change your Medicare Advantage Plan outside of the open enrollment periods, such as if you move outside of your existing plan’s service area or to a location with new plan options you didn’t have before. If you think you may qualify for a Special Enrollment Period, call 1-800-MEDICARE and explain your situation.

Medicare Enrollment Periods
Enrollment period When it happens Medicare plans you can choose What you can do
Initial Enrollment Period Three months before you turn 65, the month you turn 65, and three months after Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Sign up for Medicare Part A and Part B. Complete your Part B enrollment to avoid a late enrollment penalty.
General Enrollment Period January 1 – March 31 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan. If you enroll in Medicare during this period, your MAP enrollment is April through June. Sign up for Medicare if you missed your IEP
Open Enrollment Period October 15 – December 7 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Join, switch, or drop a plan
Medicare Advantage Open Enrollment Period January 1 – March 31 Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan If you’re enrolled in a Medicare Advantage Plan, you can change your plan or switch to Original Medicare
Special Enrollment Period When you have a qualifying event Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan Make changes to your plan

Wyoming Medicare Advantage Plans With Prescription Drug Coverage

Most Medicare Advantage HMO and PPO plans and all SNP plans provide prescription drug coverage like you would get from Medicare Part D. Some PFFS plans may provide prescription drug coverage, but not all do. Evaluate a plan’s prescription drug coverage when deciding which Wyoming Medicare Advantage Plan to use.

Prescription drug coverage may vary by cost, coverage, and convenience among Medicare Advantage Plans. Your monthly premium may include a premium for the drug coverage in the plan. There is usually a copayment or coinsurance amount that you have to pay for each prescription after you reach your annual deductible.

Some plans use different cost tiers with different costs for different drugs. For instance, you may pay less for generic drugs than brand-name drugs or less for brand-name drugs within different tiers. If your plan uses tiers, the formulary will list all covered drugs and their tiers. Verify your preferred or local pharmacies are included in the plan’s network.

Getting Help with Medicare Advantage Plans

Wyoming-wide Medicare Advantage Resources
Resource Contact How they help
Casper Senior Network Email: [email protected] The mission of the Casper Senior Network is to form an active, stable network of collaborative agencies for the purpose of advocacy, education, and identification of needs and to facilitate implementation of strategies to meet the needs of the elderly and their families in our community
Wyoming Advanced Care Directive N/A This PDF explains the Wyoming Advanced Care Directive and how it affects the lives of seniors
Wyoming Aging and Disability Resource Center Phone: 800-442-2766 The Wyoming Aging and Disability Resources Center website is designed to help connect older adults and people with disabilities to a variety of helpful information and services
Wyoming Department of Health Phone: 307-777-7656 The Wyoming Department of Health helps serve the healthcare needs of Wyoming residents
Wyoming Center on Aging Phone: 307-766-2829

email: [email protected]

The mission of the Wyoming Center on Aging is to optimize the health and well-being of Wyoming’s older residents and their caregivers through interagency partnerships, basic and applied research, community education, and clinical training and services
Wyoming Department of Insurance Phone: 307-777-7401 The mission of the Wyoming Department of Insurance is to enforce the insurance laws and regulations of the State impartially, honestly, and expeditiously; to serve the consumer of insurance; to encourage a healthy insurance marketplace; and to promote change to better serve the public interest
Wyoming Medicaid Phone: 307-777-7531 Medicaid helps pay for certain health care services, and is available to qualifying families, children, individuals who are aged, blind or disabled, and qualified or non-qualified aliens
Local Medicare Advantage Resources
Resource Contact How they help
Buffalo Senior Center Phone: 307-684-9551 The Buffalo Senior Center offers a range of services that help them remain as independent as possible in their own residences as opposed to premature placement in a longer term care residential location
Carbon County Senior Services Phone: 307-328-0320 Carbon County Senior Services offers meal deliveries, bus services, and senior centers to residents of Carbon County
Central Wyoming Senior Services Phone: 307-777-7995 Central Wyoming Senior Services seeks to increase the self-sufficiency, safety, health and wellness of Wyoming’s older adults and people with disabilities in the least restrictive environment while supporting their caregivers
Golden Hour Senior Center Phone: 307-872-3223 The mission of Golden Hour Senior Center is to enrich the lives and support the independence of

older adults through nutrition, socialization, education and physical activity

Hot Springs County Senior Citizens Center Phone: 307-864-2151

email: [email protected]

Hot Springs County Senior Citizens Center provides a variety of activities, services and opportunities for participation, learning and socialization to older individuals to help them retain their personal skills & diminish stress to help them remain independent in their own homes and communities for as long as safely possible
Niobrara Senior Center Phone: 307-334-2561 The Niobrara Senior Center provides homemaking and handyman services, a personal emergency response System, lifeline caregiver support, information & assistance with Forms, elderly tax refund, property tax

LIEAP, Medicare, prescription drug plans, and Gas Choice

Riverton Senior Citizens Center Phone: 307-856-6332 The Riverton Senior Center is a community center whose focus is on promoting the independence of seniors through a variety of

activities and programs that meet seniors’ needs

Senior Center of Jackson Hole Phone: 307-733-7300 The Senior Center of Jackson Hole is open for exercise classes, equipment room, socially distanced activities and To-Go lunch
Services for Seniors Phone: 307-322-3424 Services for Seniors operates the four State recognized senior centers in Platte County, serving seniors under the Older Americans Act since 1974
Thayne Senior Center Phone: 307-883-2678 Thayne Senior Center provides dine-in meals, meal delivery, van service, foot care clinics, exercise classes, and other activities to area seniors
The Hub on Smith (Sheridan Senior Center)  Phone: 800-795-3272 The Hub on Smith offers adult day facilities, transit, meals, a thrift store, as well as activities which cater to area seniors
Uinta Senior Citizens Phone: 307-789-3553 Uinta Senior Citizens, Inc. (USCI), is the only sanctioned, community-based In-Home Services and National Family Caregiver Service in Lincoln and Uinta Counties
Weston County Senior Services Phone: 307-746-4903 Weston County Senior Services (WCSS) is a non-profit corporation, established to serve the folks county-wide with nutrition, transportation, health services, and recreation
Worland Senior Center Phone: 307-347-3208 Worland Senior Center offers light housekeeping, Personal Emergency Response Systems, personal care, home delivered meals, transportation and activities
Wyoming Senior Citizens, Inc. Phone: 800-856-4398 WYOMING SENIOR CITIZENS, INC. (WSCI) founded in 1975 is a private, nonprofit organization whose purpose is to meet the needs of Wyoming’s older residents and help them maintain their independence
Federal Medicare Advantage Resources
Resource Contact How they help
CMS Medicare Managed Care Appeals & Grievances N/A Provided by the CMS, this page provides information related to dealing with Medicare managed care plan grievances and appeals
CMS Medicare Managed Care Eligibility and Enrollment N/A Provided by the Centers for Medicare & Medicaid Services (CMS), this page offers information for contacting MAP organizations plus other health plans and related aspects to Medicare health plan enrollment
CMS Medicare Prescription Drug Eligibility and Enrollment N/A Provided by the CMS, this page details prescription drug eligibility and enrollment as it relates to MAP
Medicare.gov Phone: 800-633-4227 The homepage for the main Medicare website for the U.S
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Insurance and health care consultant

Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.

Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.

Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.

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