Introduction: The health insurance situation in Wyoming is quite dissatisfactory. In accordance to a survey, conducted by The Center for Disease Control, more than 16% of the total Wyoming population was uninsured for Wyoming medical insurance for each year, between 2001 and 2003.
In the article, we have discussed about some important Wyoming medical insurance regulations and Wyoming medical insurance alternative programs.
Regulations for Wyoming Medical Insurance
The Wyoming Department of Insurance has introduced some regulations to manage the overall Wyoming medical insurance market and to control activities of differentWyoming medical insurance organizations.
- Wyoming individuals who have coverage under a Wyoming medical insurance policy through group or employer can not be refused or restricted obtaining coverage under than group or employer Wyoming medical insurance policy.
- Wyoming medical insurance organizations can refuse or restrict an applicant looking for coverage under an individual Wyoming medical insurance plan, on the basis of age, health and other criteria.
- All Wyoming medical insurance policies should have guaranteed provision for renewal. Through guaranteed renewability provision, an individual can renew his or her existing Wyoming medical insurance. However, he or she should have disbursed all the premiums in time and provided no fake information during the term of the policy.
- Wyoming medical insurance companies can inflict both pre-existing condition waiting periods and elimination riders.
- Elimination riders can permanently keep out health conditions, body systems, or body parts from coverage, for the entire term of a policy.
- According to state health insurance law, pre-existing condition may be defined as an illness for which an individual was treated, diagnosed or received medical advice within 6 months, before the commencement of new Wyoming medical insurance plan.
- Wyoming medical insurance organizations can ban a pre-existing condition from coverage for a maximum of one year.
- Pregnancy is considered as a pre-existing medical condition, according to Wyoming health insurance law and therefore subject to an exclusion period.
- Adopted children and newborns should get coverage under parent's individual Wyoming medical insurance policy for the initial 31 days from the day of adoption or birth; provided the policy should offer coverage for dependants.
- Disabled and handicapped children should get coverage under their parent's Wyoming medical insruacne policy, even beyond the decided upper age limit.
- Wyoming medical insurance costs may vary based on age, health and family size and other criteria. The rate of premiums can go up at the time of renewal of the existing Wyoming medical insurance policy.
- Wyoming individuals between health insurance plans or jobs are able to apply for temporary Wyoming medical insurance policy offered by some of the Wyoming medical insurance organizations.
Wyoming Medical Insurance Alternative Options
Wyoming state insurance department offers some alternative medical insurance programs that the uninsurable Wyoming individuals can avail. Wyoming residents, who are not able afford the cost of Wyoming medical insurance, are also able to avail such programs.
- Wyoming Kid Care: This is Wyoming's Health Insurance Program (CHIP) that is available to the children and teens from the families, which are not qualified for Wyoming Medicaid or otherwise unable to afford the cost of Wyoming medical insurance.
- Wyoming Medicaid: The program is accessible to the Wyoming residents who meet all the qualifying as well as income criteria.
- Wyoming Health Insurance Pool: This is Wyoming high risk pool. The program allows uninsurable Wyoming individuals to get coverage under group Wyoming medical insurance policy. Pre-existing conditions may be applicable.
Wyoming Department of Insurance
For more information on Wyoming medical insurance, you can contact at the following address:
Wyoming Department of Insurance
East 122 West 25th Street
Cheyenne, WY 82002