Welcome to Wyoming-Health.net!
If you are looking for group, individual, family, or supplemental health insurance, you have come to the right place!
Navigating the health insurance market in Wyoming can be difficult. Here are some resources to help you get the best plan for your premium dollar.
There are several companies that offer health insurance to Wyoming residents:
- BlueCross BlueShield of Wyoming
- Altius Health Plans
- Assurant / Time
- World
- Celtic
- United Health One
The most effective way to make sure you understand the plans that are available in your local area is to contact a local health insurance agent in Wyoming who knows the health insurance market well. Click here to have a local agent contact you and help get you started.
Plan Basics - Things to Consider
- Deductible - A deductible is the amount that you, the insured, pays in full before your insurance starts paying. It is more or less the portion of your health risk you have agreed to take.
- Coinsurance - Coinsurance is the percentage of the bill you pay after you have met your deductible. Common coinsurance percentages are 70%, 80%, and 90%.
- Out of Pocket Maximum - This is the most your coinsurance can reach in a single year. Most companies pay 100% of your medical expenses, up to your lifetime maximum, after you pay your deductible and reach your out of pocket maximum.
- Office Visit Co-pays - This is the amount you p
- Office Visit Waiver - Some plans offer an office visit waiver. This means that your office visits are covered with a co-pay and you do not pay toward your deductible for these services.
- Prescription Deductible -
- Lifetime Maximum - This is the maximum the plan will pay during a lifetime. If you reach this amount, your plan will stop paying claims.
- Supplemental Accident Benefit - This benefit pays a set dollar amount toward accident claims, before you are required to pay toward your deductible and coinsurance.
- Out of Network Coverage - Some plans cover out of network doctors and hospitals. Usually your deductible + your coinsurance equate to a higher dollar amount when you see an out of network provider.
- Chiropractic, Mental Health, Vision, and Dental - Some plans cover these items; some don't. Be sure to ask a local agent which are covered, and which aren't.
If you have been denied individual or family health insurance in Wyoming, contact...
The Wyoming Health Insurance Pool (WHIP)
Contact the Wyoming State Insurance Department
106 East 6th Avenue
Cheyenne, WY 82002
307-777-7401
Wyoming Medicaid
866-571-0944
KidsCare CHIP - Children's Program
877-543-7669
