Wyoming



 

About Health Insurance in Wyoming

Through East Coast Health Insurance, you can get coverage from one of the premier health insurance companies available in Wyoming. We offer the services of Winhealth is a domiciled, non-profit Wyoming health insurance company, Aetna and United Health One, and Blue Cross Blue Shield of Wyoming.

Statistics

  • Total Population: 535,800
  • Total Uninsured Population: 88,000 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,103
  • Average State Premium for Individual Health Insurance: $267

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Wyoming

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our Wyoming experts finding the best rates for you over the phone at 888-803-5917.

Other Options in Wyoming

  • Wyoming Health Insurance Pool (WHIP) is a state risk pool for residents of the state who qualify for HIPAA, and have been denied medical coverage by at least one company. For further information, call WHIP at 800-442-2376.
  • Wyoming Kid Care program: 800-251-1269.

Wyoming Health Insurance Market & Laws

Wyoming does not have very many health insurance laws, though the ones in place are important to be aware of. They follow the guaranteed renewability provision, so any policy-holder who meets their premiums and has no violations is able to renew the same plan.

Pre-existing condition laws are moderate in Wyoming, with a maximum exclusion period of 12 months. After one year, the insurer pays for the medical treatment of the illness. The state of Wyoming considers a pre-existing condition an illness diagnosed or treated within the 6 months before enrolling in your health policy.

Also, treatment of a pre-existing condition during the exclusion period can be paid for using credit from your previous coverage. When changing insurance companies, be sure to acknowledge your standing with the your previous insurance company. If you had no breaks in coverage and were able to meet payments, this should qualify as credit toward your pre-existing condition under the new plan.

Insurance companies

Medical insurance companies in Wyoming are required to continue your benefits, and it is illegal for them to terminate your plan on the basis of acquiring an illness.

Your health status does determine the amount you will pay for medical insurance in Wyoming. Insurance companies have no limit in what they can charge, and they can choose the services they decide to cover and not to cover. They also have the ability to deny you coverage based on your health and age.

Coverage

In Wyoming, federal law requires the following services be covered by all health plans:

  • Treatment for diabetes
  • Breast, prostate, colorectal, and cervical cancer screenings

For more detailed information on health insurance laws in Wyoming, please visit the State of Wyoming Insurance Department site.

 

Sources:

1.Kaiser Family Foundation, “Wyoming – State Health Facts”. www.statehealthfacts.org

2. Health Insurance In-Depth, “Wyoming Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Wyoming.html