With the cost of health care rising every day, Wyoming health insurance is an essential in maintaining use of the health care system.
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It is important to understand that your access to individual Wyoming health insurance can depend on your health status. Insurers are free to turn you down, charge you more or limit your coverage if you have a pre-existing condition.
Additionally, the State of Wyoming does not require insurers to write standardized Wyoming health insurance policies. This means that price and product will vary from company to company, and you will need to read each potential policy thoroughly to determine which one is right for you.
Rights and Privileges of Wyoming Health Insurance
While your access to Wyoming health insurance may depend on your health status, there are certain provisions in place to help you get and keep Wyoming health insurance.
Wyoming health insurance is guaranteed renewable, which means that your coverage can't be cancelled if you get sick. You are given this protection as long as you pay your premiums and do not engage in fraudulent behavior. Be advised, however, that guaranteed renewability does not protect you from premium increases when it's time to renew your Wyoming health insurance.
Additionally, the guaranteed issue was implemented to ensure that small business owners would not be turned down when purchasing Wyoming health insurance for their employees. The guaranteed issue states that you cannot be denied coverage because of your group's health status.
Furthermore, if you lose your Wyoming health insurance involuntarily and meet other qualifications, you may be eligible to purchase coverage through the Wyoming Health Insurance Pool (WHIP).
If you feel your rights regarding Wyoming health insurance have been violated in any way, be sure to contact the Wyoming Insurance Department at (800) 438-5768 to file a complaint.
If your financial circumstances are affecting your ability to obtain Wyoming health insurance, there are a number of programs available to help you get coverage.
For more information or enrollment requirements of Wyoming health insurance and the abovementioned programs, contact the following:
|The Wyoming Insurance Department:||(800) 438-5768|
|Wyoming Health Insurance Pool:||(800) 442-2376|
|Wyoming Medicaid:||(800) 251-1269|
|Wyoming Kid Care Program:||(877) 543-1669|
|Caring Program for Children:||(888) 556-8074|
|Women's Breast and Cervical Detection Program:||(800) 246-1296|
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