Wyoming Health Insurance

According to the Center for Disease Control, an average of 16.5% of Wyoming residents went uninsured for Wyoming health insurance each year from 2001 to 2003.

Wyoming Health Insurance Regulations

Wyoming residents who are covered under an employer or group Wyoming health insurance plan cannot be denied or limited access to coverage under the plan. Individuals looking for individual Wyoming health insurance, however, can be denied application and can also be limited coverage depending on health, age, and other factors. Once granted, however, all Wyoming health insurance plans are guaranteed renewable which means that each individual is guaranteed the right to renew an existing Wyoming medical insurance plan provided all terms of the contract have been honored.

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Pre-Existing conditions

Wyoming health insurance plans can carry both elimination riders as well as pre-existing exclusion periods. Elimination riders exclude coverage of a condition or body part for the duration of the health insurance policy. Any condition for which an individual received diagnosis, treatment, or advice during the six months prior to the beginning of the new Wyoming health insurance policy can be considered pre-existing. Wyoming health insurance companies can exclude coverage for a pre-existing condition under an exclusion period for up to 12 months.

Wyoming health insurance law states that individual Wyoming health insurance policies must give credit to prior continuous coverage. This means that as long as an individual has had no more than a 90 day lapse in coverage prior to a new Wyoming medical insurance plan, the new plan must give credit to the prior plan for the pre-existing exclusion period.

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Pregnancy

Pregnancy (and genetic information) can be considered a pre-existing condition under Wyoming health insurance law. All newborns and adopted children are automatically covered under a parent’s individual Wyoming medical insurance for the first 31 days after birth or adoption if the parent’s plan covers dependents. Disabled children can also remain under a parent’s policy coverage past the age at which most dependents cease to be covered.

Wyoming health insurance rates vary depending on health, age, family size, and other factors. Premiums can also increase upon renewal of an existing Wyoming health insurance plan.

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Temporary Insurance

Some Wyoming health insurance companies sell temporary health insurance. Temporary Wyoming health insurance can be purchased to cover lapses in coverage due to changes in policies or employers.

Alternative Wyoming Health Insurance Options

For individuals who have difficulty obtaining Wyoming medical insurance due to financial or “uninsurable” status, there are some state programs that may help:

• Wyoming Medicaid is available to individuals who meet the eligibility and qualifying criteria.
• Wyoming Health Insurance pool is the state’s high risk pool that allows “uninsurable” individuals to obtain health insurance through a state group health plan. Pre-existing condition exclusion periods may apply.
• Wyoming Kid Care is the state’s Children’s Health Insurance Program that is designed to provide health insurance to children up to age 19 whose families do not qualify for Medicaid and who may not be able to afford Wyoming health insurance.

Wyoming Insurance Department

Herschler Bldg
3rd Floor
East 122 West 25th Street
Cheyenne, WY 82002

Phone: 307 777-7401
Toll Free Number Inside Wyoming 1-800-438-5768
Fax: 307 777-5895

More information on Wyoming health insurance can be found on healthinsuranceweb.

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