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Wyoming Health Insurance
Health insurance comes in two broad categories these days: individual
and group. Those who opt for individual insurance are usually self-employed,
or are employed by a company that does not offer a health plan,
or who have a family and who want individual insurance for their
family members. When you purchase an individual plan, you are required
to pay an annual premium as well as a deductible for each insured
dependent, up to a base amount. If you go for a group policy instead,
you have to pay an annual premium, co-payments payable at each medical
service, and a deductible payable before insurance begins paying
for your legitimate medical bills.
In Wyoming, you can be denied individual insurance on account of
a health problem. Insurance companies can impose exclusion periods
not exceeding one year if you have a pre-existing condition or they
can attach an elimination rider to the policy. Continuous coverage,
with no breaks for over 90 days, can make you eligible for credit
toward the exclusion period. Both pregnancy and genetic information
can be treated as pre-existing conditions in Wyoming. Your insurance
cannot be cancelled if you fall sick.
If you are eligible, you cannot be denied or charged more for group
health coverage due to a medical problem. Your new boss may seek
a waiting period before offering group coverage and HMOs can also
have affiliation periods. Insurance companies can look back at your
medical records for the six months prior to coverage and can exclude
a pre-existing condition from coverage for a maximum of 12 months.
If you have had unbroken coverage of more than 63 days, you become
entitled to creditable coverage.
In Wyoming, small businesses with two to 50 employees cannot be
denied small group insurance, nor can insurance be cancelled due
to illness in the group. Self-employed people cannot purchase group
insurance. For affiliations through a business or professional association,
one may contact the Wyoming Insurance Department.
Programs like Medicaid and Wyoming Kid Care Program offer financial
assistance to Wyoming residents.
As choosing the right quotes is a difficult task, you should do
a proper research before making a final decision. However, it is
always better to engage professional health insurance agents and
brokers who can be of great help in this regard with their valuable
experience and expertise.
Among the leading health insurance providers in Wyoming are Assurant
Health (formerly Fortis), Blue Cross and Blue Shield of Wyoming,
Celtic, Fairmont Specialty Group and Security Life.