Wyoming's best Medicare Advantage plans include two PPO options, as HMO and HMO-POS plans aren't available statewide. UnitedHealthcare offers PPO plans at $35 monthly with a $6,300 MOOP and 4-star CMS rating. Humana offers an alternative at $76 monthly with a $6,875 MOOP and 3.5-star rating. With only two carriers offering Medicare Advantage coverage, Wyoming residents have limited choices compared to most states.
Best Medicare Advantage Plans in Wyoming (2026)
Updated: January 29, 2026
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Key Takeaways
Wyoming has three Medicare Advantage plans from two insurers: UnitedHealthcare and Humana. All plans are PPO or PFFS types. HMO and HMO-POS coverage doesn't exist here, and monthly costs start at $35.
UnitedHealthcare leads Wyoming's PPO Medicare Advantage market with 4-star plans at $35 monthly and $6,300 maximum out-of-pocket costs, offering greater provider choice flexibility.
Wyoming's limited market means fewer choices. Your decision comes down to checking if your doctors accept the plan, looking at prescription costs and deciding whether lower monthly payments justify higher potential yearly expenses.
Best Medicare Advantage Companies in Wyoming
| PPO | UnitedHealthcare | 4.00 | $35 | $6,300 | AARP Medicare Advantage from UHC WY-0002 (PPO) |
| PPO | Humana | 3.50 | $76 | $6,875 | HumanaChoice H5525-054 (PPO) |
Medicare Advantage plans bundle hospital, medical and prescription drug coverage into comprehensive packages offered by private insurers. These Part C plans serve as alternatives to Original Medicare while adding extra benefits like dental, vision and hearing coverage.
- CMS Star Ratings: Medicare evaluates these plans using a 1 to 5 star system that measures quality and performance. Plans earning 4 or 5 stars demonstrate high customer satisfaction and superior care delivery.
- Monthly premiums: Your total cost includes the standard Part B premium plus any plan-specific charges. Many Medicare Advantage plans charge no additional premium, though actual costs depend on your coverage choices and location.
- Maximum out-of-pocket (MOOP) limits: These annual spending caps protect you from excessive medical bills on covered services. After hitting your MOOP limit, your plan pays 100% of covered care costs through year-end.
- Drug coverage: Most plans include prescription drug benefits with specific formularies listing covered medications. Check that your prescriptions appear on your plan's drug list and understand any prior authorization requirements.
UnitedHealthcare
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Quality
5/5Availability
CMS Star Rating
4.0Plan Types
PFFS, PPO
Humana
MoneyGeek Rating
3.5/ 5
3/5Affordability
3.8/5Quality
5/5Availability
CMS Star Rating
3.50Plan Types
PPO
WHY CHOOSE A PPO PLAN?
PPO Medicare Advantage plans in Wyoming give you direct access to any Medicare-approved doctor without referrals. Premiums cost more than HMO plans. See specialists immediately and use out-of-network providers when needed, though you'll pay higher costs than staying in-network. Wyoming's size and rural geography create real access challenges as the nearest in-network cardiologist accepting your specific plan might be several hours away, making provider flexibility valuable despite the premium increase.
How to Choose the Best Wyoming Medicare Advantage Plan
Limited carrier options in Wyoming mean your Medicare Advantage choice hinges on matching plan features to your healthcare habits and budget rather than comparing dozens of alternatives.
- 1Confirm Your Doctors and Hospitals Are In-Network
Provider networks differ between UnitedHealthcare and Humana plans in Wyoming. Call each of your doctors with specific plan names to confirm acceptance. Online directories update slowly. Billing departments maintain current network participation records that websites often miss by weeks or months.
- 2Compare Total Costs, Not Just Premiums
Wyoming premiums range from $35 to $76 monthly. Add copays for your expected doctor visits, specialist appointments and prescription refills to find real yearly costs. A lower premium means nothing if copays drain your savings at every medical interaction.
- 3Check Prescription Drug Coverage
Each Wyoming plan maintains its own formulary with different tier structures and drug coverage. Look up every medication you take on plan drug lists before enrollment. Higher tiers cost more at the pharmacy counter and prior authorization delays certain prescriptions by several days minimum.
- 4Compare Different Plan Types
HMO and HMO-POS health insurance plan structures don't exist in Wyoming, leaving only PPO and PFFS coverage statewide. PPO plans let you see specialists without referrals and access out-of-network providers for higher fees. But PFFS plans work similarly while carrying lower star ratings.
- 5Review Star Ratings and Quality Metrics
UnitedHealthcare's PPO plans earn 4-star ratings while Humana's option sits at 3.5 stars. These ratings reflect claims processing speed, customer service quality and health outcomes. Higher ratings show better overall performance, meaning member satisfaction runs higher at top-rated plans.
- 6Compare Extra Benefits
Supplemental benefits separate Wyoming's limited options beyond network and cost differences. Pick extras you'll use regularly.
- 7Check Out-of-Pocket Maximums
Annual spending caps in Wyoming range from $5,900 to $7,000. Once you hit your out-of-pocket maximum, the plan covers remaining expenses through December.
How Much Does Medicare Advantage Cost in Wyoming?
Wyoming Medicare Advantage plan costs vary by plan type. At $55 monthly, PPO plans offer lower premiums with $6,588 out-of-pocket maximums. Monthly costs jump to $118 for PFFS plans with $6,700 MOOP limits. That's more than double PPO premiums for just $112 less in potential out-of-pocket costs. PFFS plans let you see any Medicare-approved provider who accepts the plan's payment terms. Between these options, your annual premium difference reaches $756.
| PFFS | $118 | $118 | $6,700 |
| PPO | $66 | $55 | $6,588 |
Best Wyoming Medicare Advantage: FAQ
Get answers about Medicare Advantage enrollment processes, what's covered and enrollment timing for residents across the Equality State.
How do you get a Medicare Advantage plan in Wyoming?
You must have Medicare Part A and B first, then compare plans at Medicare.gov or through insurers during enrollment periods (October 15-December 7) or other qualifying periods.
What does Medicare Advantage cover?
Medicare Advantage plans cover everything Original Medicare does, plus most include prescription drugs and extra benefits like dental, vision, and fitness memberships.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage replaces Original Medicare with bundled private insurance, while Medicare Supplement (Medigap) works alongside Original Medicare to cover out-of-pocket costs like deductibles and copays.
When is open enrollment for Medicare Advantage in Wyoming
Medicare Advantage open enrollment in Wyoming runs October 15 through December 7 annually. Current enrollees also get a January 1 to March 31 enrollment period for plan changes.
Our Methodology: How We Ranked Wyoming's Best Medicare Advantage Plans
Our analysis of Medicare Advantage plans in Wyoming uses a scoring methodology that emphasizes affordability and quality. We evaluate three key factors to help you find plans that offer the best value for your health care needs. These factors include affordability at 50%, star ratings at 40%, and availability at 10%.
- Affordability (50%): Cost comprises half of our overall score because it affects your budget directly. We evaluated monthly premiums for Part C and Part D coverage combined (30% weight) and in-network maximum out-of-pocket limits (20% weight). Plans with lower premiums and MOOP amounts score higher since they reduce your total annual health care spending.
- Star Ratings (40%): CMS star ratings measure plan quality across categories like care effectiveness, customer service and member satisfaction. The Overall Star Rating combines both Part C (medical coverage) and Part D (prescription drug) ratings on a scale from 1 to 5 stars. Plans with higher ratings earn better scores in our analysis.
- Availability (10%): We score providers based on how many states they operate in, including Washington, D.C. Providers with broader geographic availability score higher because they're more likely to maintain coverage if you move and often have more resources for customer support and plan improvements.
This scoring system helps you compare plans objectively while accounting for what matters most: what you'll pay and the quality of care you'll receive.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.