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Wyoming Health Insurance

 

All health insurance policies in Wyoming are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Wyoming mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  Pregnancy is a pre-existing condition but not on group health insurance.  Diabetic care, testing and supplies are mandated by Wyoming.

 

WHIP (Wyoming Health Insurance Pool) this is a pool of people that are high risk health cases.  To qualify you must:

-         Be a Wyoming Resident

-         Be uninsurable

-         Be federally eligible

-         No families.  Every family member must qualify individually

WHIP offers two plans, the difference being the amount of co-payments and deductibles.  Both plans cover preventative, emergencies and catastrophic care.  Check out their site here.

 

                            Request a Wyoming Health Insurance Quote

 

 

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Wyoming Small Business Health Insurance

 

In Wyoming, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in Wyoming is also guaranteed issue, meaning that you can not be turn down for coverage.  If you employ a group of 50+ employees your health insurance coverage can be denied by an insurance company.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

A 6 month look back period is used by Wyoming insurance companies when figuring out what to consider pre-existing.  They can not look back into your health history longer than 6 months.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

There are limits on how much an insurance company can charge a Wyoming Small Business due to their health.  There are also limits on the percentage increase in premiums at renewal time for Wyoming small business health insurance.

 

For additional information about Small Business Health Insurance in Wyoming click here.

 

                            Request a Wyoming Small Business Health Insurance Quote

 

 

 

Wyoming Individual Health Insurance

 

If you have trouble finding affordable individual health insurance you might be eligible for WHIP coverage through the state.  It will be expensive but it is better to have insurance than not to.

 

All Wyoming Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.  Pregnancy and genetic information are considered pre-existing on Wyoming individual health insurance policies.

 

In Wyoming, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also Wyoming does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

Wyoming allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in Wyoming must give credit to prior credible coverage as long as there was not more than a 90 day lapse in coverage.

 

The rates that an individual pays for a Wyoming Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Kid Care is a program designed to provide affordable health insurance to Wyoming's children.  To find out if your child qualifies please visit the site.

 

For additional information about Individual Health Insurance in Wyoming click here.

 

                            Request a Wyoming Individual Health Insurance Quote

 

 

 

Wyoming Self Employed Health Insurance

 

Self Employed people in Wyoming are not eligible for any special Wyoming Self Employed Health Insurance.  Neither are they eligible to get onto a group plan.  The only type of plans that Self Employed people are eligible for are individual policies which means all of the laws pertaining to Wyoming Individual Health Insurance also apply to self employed people.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

Another option for affordable Wyoming Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

For additional information about Self Employed Health Insurance in Wyoming click here.

 

                            Request a Wyoming Self Employed Health Insurance Quote

 

 

 

Temporary Wyoming Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a Wyoming Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a Wyoming Temporary Health Insurance Policy is much better than going with out health insurance.  It is important to realize that Wyoming temporary health insurance is not guaranteed renewable.

 

For additional information about Temporary Health Insurance in Wyoming click here.

 

                            Request a Wyoming Temporary Health Insurance Quote

 

 

 

What types of Wyoming Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Wyoming that you have to go to for care.  Most Wyoming HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Wyoming PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Wyoming PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Wyoming, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Wyoming Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically a Wyoming Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Wyoming Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Wyoming it is mandated, by the state, that all companies that offer a Wyoming Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A Wyoming Cobra Insurance is typically available for a time period of 18 to 36 months.   In Wyoming you are given 60 days to decide if you are going to take Wyoming Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a Wyoming Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a Wyoming Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a Wyoming Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Wyoming Self Employed Health Insurance Policy.   

 

 

                           Request a Health Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

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