The Wyoming health insurance market is small and dominated by a few large health insurance companies of which one Winhealth is a domiciled, non-profit Wyoming health insurance company, Aetna and United Health One, and Blue Cross Blue Shield of Wyoming.
Wyoming also offers a state risk pool called the Wyoming Health Insurance Pool for HIPAA eligible individuals and Wyoming residents that have been declined after applying for individual health insurance by at least one health insurance company. It is also open to those that have received restrictive riders or very high rate ups for pre-existing medical conditions. Wyoming is not a guarantee issue state and not only can you be turned down for indivudal health insurance in Wyoming but they also allow health insurance companies to rider out for medical conditions. WHIP can be reached at 800 442 2376 and the Wyoming Kid Care program is 800 251 1269.
Wyoming Health Insurance Companies
Winhealth Wyoming Health Insurance Brochure
WINhealth Partners is a Wyoming owned and operated not-for-profit health maintenance organization (HMO) that was founded in 1996. The hallmark of WINhealth Partners philosophy is based on the principle of providing community-focused, provider-governed delivery of healthcare services for Wyoming residents.
WINhealth Partners contracts with hundreds of providers and most local hospitals in Wyoming, and we are consistently expanding our provider network to address member access needs throughout the state.
Blue Cross Blue Shield of Wyoming
BlueChoice Blue Cross Blue Shield Wyoming Health Insurance Brochure
BlueChoice Personal
This product provides families and individuals (ages two and up) with a variety of deductible and coinsurance options designed to best suit their needs. All options provide prescription drug coverage through RxCare Wyoming, Adult Preventive Care, the best provider networks within the state of Wyoming and BlueCard®, the national Blue Cross Blue Shield network that provides access to health care professionals nationwide and in many foreign countries. Also available are two Health Savings Account (HSA) eligible high deductible plans.
Aetna Health Insurance Wyoming Brochure
Aetna offers some terrific plans in Wyoming and is one of the top health insurance companies in the United States. They are distinct and well known for not rescinding policies and more importantly for taking people with underwriting issues and medical problems. Their rates can be a tad bit higher then everyone else because of this more lenient underwriting, but nearly every Aetna client is more or less content with the coverage. Unfortunately, the same cannot be said for other national health insurance companies such as Mega, Assurant, Avalon, and Celtic.
United Health One Wyoming Health Insurance Brochure
United Health One is a non-domiciled health insurance company which means that technically they can do whatever they want, however because they are a national, respected health insurance company they seem to stay the same course as everyone else. What I mean, is that if they wanted to, they could you with a rate increase everyday without asking permission from the State of Wyoming. But as a health insurance broker, I actually have them, and have been satisfied with their policy overall. If the rate is the most affordable in your demographic, then you should certainly consider them for your health insurance company.
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