According to the U.S. Census Bureau, more than 500,000 (or about 20 percent) Wyoming residents are living without health insurance today. The state has addressed its health insurance disparity by providing several public assistance programs for its residents. Eligibility for these programs depends on income, Medicare / Medicaid status, dependents and other criteria.
WYOMING HEALTH INSURANCE POOL (WHIP)
The Wyoming Health Insurance Pool was created by the 1990 Wyoming Legislature to provide health insurance coverage to residents of Wyoming who are denied adequate health insurance. This plan is specially designed to meet the needs of those individuals who are unable to purchase health insurance for themselves because of existing health problems. Enrollment continues to climb as small businesses are dropping group coverage or the insurance carriers themselves are increasing group premiums in the midst of the current economic environment.ginians, the minimum income requirement is below the threshold for Medicare / Medicaid health services, but too high for public assistance in the state.
With the fact that many of today’s businesses no longer offer health insurance to employees, individuals in Wyoming are suddenly finding themselves let go from jobs that offered group health insurance. As a Wyoming resident, individual health insurance is an affordable option you should consider. Your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Wyoming are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
Group health insurance in Wyoming is sold to businesses and organizations who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive when compared to individual or family coverage, because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.
Choosing quality, affordable health insurance in Wyoming can seem impossible at first. However, once you know what to look for it is easy enough to compare policies and choose the one that is best for you and your family’s needs. Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance in Wyoming is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap. Short term health insurance coverage is also suitable for people who are recent college graduates or on strike. With affordable short-term health insurance, you have time to compare and contrast individual health plans and make it through the waiting period without feeling desperate.
When attending college in Wyoming, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have student health insurance. Don’t end up graduating with medical debt in addition to student loans!
Use of the university student health center in Wyoming is often included in your tuition, but the center only offers basic health care. On the other hand, affordable student health insurance also covers visits to primary care physicians, specialists, and diagnostic centers, and hospitalizations. Without that coverage, the cost of your medical care will come out of your (or your parents’ pocket).