Find Health Insurance Agents in your Area
Whether
you're looking for coverage for yourself, you and your spouse, or the entire
family, you can save time and money as you make one of life's most important
decisions.
Get quotes for affordable Wyoming health insurance for individuals and families here!
Get quotes for affordable Wyoming health insurance for individuals and families here!
We
can help you find coverage for your employees, whether you have just
2 or as many as 200. Select from several plans available for Wyoming
businesses, and choose the deductible, co-pay and amount of coverage.
Give your employees, co-workers or members the peace of mind they deserve! Find
out more.
The
kids may be off to college, but they are never off your mind. You may
worry about what could happen, but you'll always have peace of mind knowing
your child is covered.
Browse our site to find helpful information about
the many Wyoming health insurance programs available for children and students.
There
are many reasons for needing short-term medical coverage. Perhaps you're
between jobs, or becoming an entrepreneur. Maybe you're in good health,
and feel you don't need full coverage. Whatever the reason, we can help
you find plans in Wyoming for as little as 30 days, up to a year.
Compare rates, plans and coverage.
Compare rates, plans and coverage.
What You Should Know
When shopping for health insurance, there are several
things to keep in mind, which can affect your choices and coverage.
Regardless of your special circumstances, if you
are presently insured, do not cancel your existing health insurance coverage
before you are approved for a new policy.
If You Are In Good Health
You are most likely to qualify for an individual health
insurance policy. You have many choices of insurance companies, plans,
coverage and benefits. For example, you can choose between an HMO or PPO
plan, get short-term coverage, or keep the premium low by selecting a higher
deductible. Click here for a free
Online Quote.
Pre-Existing Conditions
If you have an illness or condition that was present
before your requested first day of coverage, or if you are under a doctor's
care, you may have to go through a waiting period before coverage begins.
Age and Fitness
Rates may vary as you age, and may be affected by your
physical condition, whether you smoke or are a heavy drinker.
Exclusions and Limitations
All health insurance policies have a section, "Exclusions
and Limitations" which lists medical conditions or what they consider
to be special or unique treatments.
Traditional Care or HMO?
If you are considering a health insurance plan that
is a managed care plan, check the plan's provider directory to if your
preferred doctors, hospitals or other health care providers participate
in the plan. Click here to see rates, benefits and a provider listing for
each insurance company.
Leaving Your Job/COBRA
In most cases, if you leave your job, either voluntarily or otherwise,
COBRA, a federal law, guarantees you have the right to temporary continuation
of insurance coverage through your employer for an additional 18 months,
at your own expense. It is likely that your payments under COBRA will
higher than when you were employed. Therefore, browse our
site to find comparable coverage for a lower monthly premium.
If you do decide to pay for coverage under COBRA, after the 18-month eligibility period has expired, you may apply for coverage by an insurance company that sells individual Wyoming health insurance. To be guaranteed coverage, regardless of any health problems or pre-existing conditions you may have, you must apply within 63 days after the 18-month expiration date. Please note that your premiums may be much more expensive than through a group health plan, and not all policies are available for the guaranteed issuance option.
Your Rights
Most issues regarding coverage are a matter of contract
law. In the case of health insurance, the contract is the policy or evidence
of coverage document. If you have questions, call your agent or the insurance
company.
Can You Be Denied Coverage?
In a word, yes. Private insurers are not prohibited
from turning you down, charging more, or limiting coverage due to your
health status.
Medicaid
Medicaid is a state-federal health insurance program
for persons with very low incomes who meet certain categorical eligibility
requirements.
For a glossary of coverage terms, visit the U.S.
Department of Labor website.
