Wyoming Medicare Supplement (Medigap) premiums vary widely by plan type, insurer and pricing model. Among the most popular options, LifeShield National has the lowest average cost for Plan G at $152 per month, while MedMutual Protect has the lowest rates for both Plan N ($105 per month) and Plan F ($171 per month).
Best Medicare Supplement Plans in Wyoming (2026)
Updated: June 15, 2026
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Key Takeaways
MedMutual Protect is the best Medicare Supplement provider in Wyoming for popular plans F and N, while LifeShield National provides the most affordable pricing for Plan G.
Medicare Supplement costs in Wyoming vary by plan type and provider. Monthly premiums for 65-year-olds range from $107 for Plan K to $314 for Plan F on average.
Compare multiple carriers on plan type, pricing model and monthly cost to find the lowest rate for your coverage level.
Best Medicare Supplement Plans in Wyoming
| USAA | A | $125 | $79 | Attained Age Pricing |
| Humana | B | $195 | $70 | Attained Age Pricing |
| State Farm | C | $232 | $79 | Attained Age Pricing |
| Transamerica | D | $165 | $38 | Issue Age Pricing |
| MedMutual Protect | F | $171 | $143 | Attained Age Pricing |
| LifeShield National | G | $152 | $106 | Attained Age Pricing |
| Transamerica | K | $74 | $33 | Issue Age Pricing |
| Transamerica | L | $110 | $57 | Issue Age Pricing |
| Transamerica | M | $135 | $0 | Issue Age Pricing |
| MedMutual Protect | N | $105 | $103 | Attained Age Pricing |
*Prices are for 65-year-olds.
LifeShield National
MoneyGeek Rating
4.5/ 5
5/5Affordability
4.1/5Pricing Style
3.7/5Plan Availability
Average Plan G Rate
$152Plan Types
A, F, G, N
MedMutual
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$152Plan Types
A, D, F, G, N
USAA
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$172Plan Types
A, F, G, N
Humana
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$212Plan Types
A, B, C, F, G, K, L, N
State Farm
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$178Plan Types
A, C, D, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$165Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Wyoming
LifeShield National offers Wyoming's cheapest Plan G at $152 per month, $106 below the state average, while Nassau and AFLAC also provide competitive rates.
| LifeShield National | $152 | $106 | $1,824 | $1,266 |
| Nassau | $164 | $94 | $1,968 | $1,122 |
| AFLAC | $165 | $93 | $1,980 | $1,110 |
| Transamerica | $165 | $93 | $1,980 | $1,110 |
| USAA | $172 | $86 | $2,064 | $1,026 |
| State Farm | $178 | $80 | $2,136 | $954 |
| Cigna | $179 | $79 | $2,142 | $948 |
Wyoming's average Plan G rate of $258 per month, $38 above national average of $220 for 65-year-olds. The gap between the cheapest and most expensive Plan G in MoneyGeek's Wyoming data is $27 per month.
LifeShield National's $152 rate is the clear starting point. In this comparison set, three carriers price Plan G within $17 of each other at the low end.
Best Medicare Supplement Plan F in Wyoming
In Wyoming, Plan F costs $171 to $218 monthly based on pricing style and deductible options. MedMutual Protect offers the cheapest Plan F at $171 monthly. Other affordable options include LifeShield National at $184 per month and AFLAC at $186 per month.
| MedMutual Protect | $171 | $143 | $2,052 | $1,719 |
| LifeShield National | $184 | $130 | $2,208 | $1,563 |
| AFLAC | $186 | $128 | $2,232 | $1,539 |
| Nassau | $190 | $124 | $2,280 | $1,491 |
| Montana Health Co-Op | $213 | $101 | $2,556 | $1,215 |
| Cigna | $218 | $97 | $2,610 | $1,161 |
| USAA | $218 | $96 | $2,616 | $1,155 |
Plan F rates in Wyoming range from $171 to $218 per month. Plan F covers the Medicare Part B deductible that Plan G does not, worth the premium difference if you have frequent specialist visits. Plan F is only available to enrollees who were eligible for Medicare before January 1, 2020.
Best Medicare Supplement Plan N in Wyoming
Plan N costs $105 to $127+ per month in Wyoming. MedMutual Protect charges the lowest rate at $105 monthly. Montana Health Co-Op and AFLAC charge $108 and $110 per month.
| MedMutual Protect | $105 | $103 | $1,260 | $1,238 |
| Montana Health Co-Op | $108 | $100 | $1,296 | $1,202 |
| AFLAC | $110 | $98 | $1,320 | $1,178 |
| LifeShield National | $119 | $89 | $1,428 | $1,070 |
| Nassau | $124 | $84 | $1,488 | $1,010 |
| Cigna | $125 | $84 | $1,494 | $1,004 |
| USAA | $127 | $81 | $1,524 | $974 |
Plan N is the most affordable of the three most popular plans, but it comes with copays: $20 for most doctor visits and $50 for emergency room visits that don't result in inpatient admission. At $105 per month for MedMutual Protect, Plan N costs $47 less per month than that provider's Plan G rate.
Personalized Wyoming Medicare Supplement Plan Recommendations
Your premium in Wyoming depends on your age, location, tobacco use and the plan letter you choose. Use the filterable table below to review current rates and compare coverage types by plan letter and provider.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $125 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $145 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $152 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $152 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $153 | $0 | Attained Age Pricing |
| State Farm | A | No | 65 | $154 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $156 | $0 | Issue Age Pricing |
| MedMutual Protect | A | No | 65 | $165 | $0 | Attained Age Pricing |
| AFLAC | A | No | 65 | $179 | $0 | Attained Age Pricing |
| Nassau | A | No | 65 | $180 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Wyoming
Across 10 standardized plan types, Medicare Supplement insurance costs in Wyoming average $217 monthly for 65-year-olds, from $107 to $314. Plan K costs the least at $107 monthly while Plan F costs the most at $314.
The most popular plans (Plan G, Plan F and Plan N) average $258, $314 and $208 monthly. Annual costs range from $1,284 to $3,768. Your actual premium depends on provider, age and insurer's pricing style.
| A | $204 | $2,448 |
| B | $265 | $3,180 |
| C | $311 | $3,732 |
| D | $203 | $2,436 |
| F | $314 | $3,768 |
| G | $258 | $3,096 |
| K | $107 | $1,284 |
| L | $167 | $2,004 |
| M | $135 | $1,620 |
| N | $208 | $2,496 |
Plan K's $107 average is the lowest across all plan types but covers only 50% of most Medicare costs until you hit the annual limit. Plan G's $258 average buys near-complete coverage.
How to Choose the Best Medicare Supplement Plan
Compare Wyoming providers on these six factors before you enroll.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only to those eligible for Medicare before January 1, 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to confirm you're getting competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Wyoming Medicare Resources
Wyoming residents seeking help with Medicare coverage selection and understanding options can access multiple resources that provide free state and federal assistance.
- Wyoming State Health Insurance Assistance Program (SHIP): Trained volunteers offer unbiased guidance through the Wyoming State Health Insurance Assistance Program, helping individuals understand Medicare options and benefits with free, personalized counseling. They assist with enrollment, claims and resolving Medicare-related issues. Visit Wyoming State Health Insurance Assistance Program (SHIP).
- Wyoming Department of Insurance: Publishes rate comparisons for Medicare Supplement plans and runs a helpline for insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams. Visit Wyoming Department of Insurance.
- Medicare.gov: The official federal Medicare website has comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code. Visit Medicare.gov.
Which Wyoming Medicare Supplement Plan Is Right for You?
For most Wyoming seniors enrolling at 65, Plan G at LifeShield National is the right call. At $152 per month, it's $106 below the state average for the same coverage.
Match your situation to a plan before comparing carriers:
- New enrollee wanting near-complete coverage: Plan G at LifeShield National, $152 per month.
- Low monthly cost, comfortable with small copays: Plan N at MedMutual Protect, $105 per month.
- Eligible before January 1, 2020, want zero out-of-pocket costs: Plan F at MedMutual Protect, $171 per month.
- Enrolling young, holding long-term: Transamerica's Issue Age Pricing locks your rate at enrollment.
Medicare Supplement Plans in Wyoming: FAQ
Common questions about Medigap coverage in Wyoming answered below.
When is Medicare Supplement open enrollment in Wyoming?
Medicare Supplement open enrollment in Wyoming begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible for Medicare before January 1, 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Wyoming Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Wyoming Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
Related Pages
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Medicare.gov. "Find a Medigap policy that works for you." Accessed June 23, 2026.
- CMS.gov . "Medigap (Medicare Supplement Health Insurance)." Accessed June 23, 2026.
- Wyoming Department of Insurance. "CONSUMERS." Accessed June 23, 2026.