PALMELLECASPER, WYOMING
What is a Medicare supplement plan, and how does someone in Casper get one?
A Medicare supplement policy, also called Medigap, is private insurance that pays part of what Original Medicare leaves to you, such as deductibles and coinsurance.[18] Buy it in the six months that begin when you are 65 or older and enrolled in Part B; in that stretch no insurer may refuse you or raise the price over your health.[1]
Why it matters in Wyoming
Nearly half of the people on Medicare in Wyoming hold a supplement, the highest share of any state.[21] In Natrona County, where Medicare Advantage drops to 3 plans from one insurer for 2027, many people will weigh a supplement instead.[5]
What a supplement does and does not do
- It works with Original Medicare, so you can see any doctor or hospital in the U.S. that takes Medicare.[4]
- It covers one person. A married couple buys two policies.[18]
- It has no drug coverage. For that you add a separate Part D drug plan.[18]
- You pay its premium on top of the Part B premium.[18]
Plans have letters, and the letters are the same everywhere
A Plan G from one company has the same benefits as a Plan G from another. The price is the only difference.[18] Plans C and F are closed to anyone new to Medicare since January 1, 2020; Plan G has the same benefits except the Part B deductible.[18][19]
After the first six months
An insurer may ask health questions and can say no. The exception is a guaranteed-issue right, for example because your Medicare Advantage plan is ending.[1][11] Wyoming adds a yearly window on your birthday for people who already have a supplement. See how the birthday window works.
Ready to look at plans?
Medicare in Casper: the full guide
Written by Jacob Silver for July Blue Sky LLC, a planned insurance agency that is not yet licensed. Nothing on this page enrolls anyone, and this page does not recommend a plan. We do not offer every plan in your area.
Not connected with or endorsed by the U.S. government or the federal Medicare program.
Sources
- Medicare.gov: Medigap, get ready to buy
- Medicare.gov: Understanding Medicare Advantage plans
- CMS: CY2027 Landscape file (202611, data updated November 1, 2026), Downloads on Prescription Drug Coverage
- Wyoming Senior Citizens, Inc.: WSHIIP offices
- Medicare.gov: Medigap, your right to buy a policy when coverage ends
- Medicare.gov: Medicare Supplement Insurance, an overview (publication 11575)
- Medicare.gov: Compare Medigap plan benefits
- CSG Actuarial: Medicare Supplement share of Medicare lives by state, from NAIC data