Wyoming Health Insurance

If you don't currently have health insurance and consider yourself to be healthy, you may wonder if you need health insurance. If you have a preexisting condition such as heart disease or diabetes, you may be concerned about how you can get coverage. To help you answer these and other questions, the Health-Insurance.org staff has gathered some important information about medical coverage in Wyoming. Let us help you find the coverage and carrier that works for you!

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Getting Wyoming Health Insurance for an Individual (WY)

Even if you eat well and exercise, it's still a good idea to get health insurance so that you'll be covered if something unexpected happens. HMOs, PPOs, POSs, and HSAs, which are types of group policies, are cost-effective and cover most medical issues you will encounter. If you have specific health needs, you can choose to take out an individual plan instead.

Wyoming has a few unique rules that regulate health insurance companies in the state. For example, carriers are allowed to deny your application if you have health problems. If you have a preexisting condition, you could be given an exclusion period (max. 12 months) or an elimination rider. There are no limits on what you can be charged for an individual policy, so make sure you compare quotes to find the best rates.

Family Medical Coverage in Wyoming

In Wyoming, your family cannot be denied group health coverage because of a health problem, as long as you are eligible. If you have a newborn, adopted, or disabled child in the family, the could be given special considerations for insurance. The same is true if your family has gone through a major change, such as a divorce, childbirth, or job loss.

What happens if someone in your family has a preexisting condition? Carriers can check the past 6 months of your medical history to look for such conditions. Exclusion periods can be given if any are found, for up to 12 months.

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Health Insurance for People with Medical Conditions

Under current Wyoming law, insurance companies are free to turn you down because of health status and other factors. (Pregnancy and genetic information can be considered preexisting conditions). Additionally, insurance companies can apply elimination riders and a preexisting exclusion period, though the period can be no longer than 12 months. Insurance companies that do apply an exclusion period have to give the applicant credit for their previous coverage, as long as the coverage was continuous with no more than a 90-day lapse.

If you have been turned down by private carriers, or have been offered a policy with reductions or restrictions, you may be eligible for the Wyoming Health Insurance Pool (WHIP). This is particularly pertinent for applicants with a preexisting condition, although you are not guaranteed eligibility simply because you have a preexisting condition.

Changing Health Plans in Wyoming (WY)

Whether you just lost your old health plan, need a policy because you're new to Wyoming, or have just received benefits from a new job, read the following details about changing health plans:

• COBRA can help you to keep some of the same benefits you had under your old employee health plan.
• If you're getting a new policy, you may have to satisfy a preexisting condition exclusion period, even if you had already done so under your old plan.
• You can be given a waiting period by your employer, which delays the start of your benefits.
• If you are working for a non-federal government employer, you may not have the same health insurance rights that we have discussed above. Check with the Wyoming Department of Insurance to see what your rights are.

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