medicare options

Medicare is a federal government health insurance program for people ages 65 or older and for people of any age who have certain disabilities. The program helps with the cost of health care but doesn’t cover all medical expenses or the cost of most long-term care.

Explore Medicare Plans Available to You

WyoBlue Advantage

WyoBlue Advantage plans enhance Original Medicare coverage with medical, dental, vision, and hearing services. Learn more →

Medicare Supplement Plans

Medicare supplemental plans pay for expenses like deductibles and coinsurance not covered by Original Medicare. Learn more →

Prescription Drug Plans

MedicareBlue Rx plans offer coverage for prescription costs. Learn more →

WyoBlue Advantage

WyoBlue Advantage plans provide Wyoming residents affordable coverage for medical, dental, vision, and hearing services designed to enhance your Medicare Advantage plan.

Our nationwide provider networks, together with local support, provide unbeatable peace of mind for all who call Wyoming home. Take advantage of coverage that goes the distance. Shop now →

Shop Medicare Supplement Plans

Blue Cross Blue Shield Wyoming offers a variety of plan options to fit your needs. A BCBSWY Medicare Supplement policy can help cover expenses that aren’t covered by Original Medicare.Your policy can help pay for expenses that aren’t covered by Original Medicare. Find the Medicare Supplement plan that’s right for you. Shop now →

Find a Prescription Drug Plan

Original Medicare covers hospital and medical expenses, but it may not include prescription drugs. That’s where MedicareBlue Rx comes in. MedicareBlue Rx offers coverage for the medications you take now and helps protect you from unexpected prescription costs down the road.

Choose from our plan options and find the coverage that best fits your needs. Find the best plan for you. Shop now →

Attend an Informational Event

Get help navigating the in’s and out’s of Medicare at one of our upcoming informational events. Find an event near you →

INFORMATIONAL EVENTS:

Attend an upcoming Medicare Informational Event Find helpful information about Medicare Supplement Insurance. Find an event near you →

Additional information:

Medicare ABCDs:
Find helpful information about Medicare. Learn more →

Resources:
Find a doctor and information about enrollment, FAQs, and more. Learn more →

Check Application Status:
Check the status of your application. Check Status Now →

Need More Support?

Our Medicare team is here to assist you.

Call: 1-800-851-2227 TTY: 711

Get in Touch

Have questions? Our local experts can help you find the right Medicare plan for you. Give us a call at 800-851-2227. We’re available Monday – Friday from 8 a.m. – 5 p.m. or contact your preferred broker if you are working with one. Please allow up to three business days for a follow up.

Scope of Appointment

Beneficiaries and potential beneficiaries must sign this Scope of Appointment form before meeting with an insurance agent to discuss Medicare Advantage options. Please allow up to three business days for a follow up.

Health care options for All who call wyoming home

Whatever your needs, whatever your budget, Blue Cross Blue Shield of Wyoming has a health insurance plan to fit you, your family, or your business. With health care solutions built for Wyoming, find the coverage you need.

Looking for coverage?

Open enrollment ended on 1/15/2026.

You may still be able to enroll in coverage if you’ve experienced a life event qualifying you for a Special Enrollment Period.

Options for Everyone

You have a choice...choose blue

Individuals & Families

Choose a plan to fit your life, your goals, and your future. Quality care, nationwide access, and peace of mind—all within reach.

Explore our ACA options to find the coverage that fits your needs or shop now to get started.

OPEN ENROLLMENT IS NOW!

Open Enrollment begins November 1. Enroll or make plan changes by December 15 for coverage to take effect January 1, 2026.
The final day to enroll for 2026 coverage is January 15, with coverage starting February 1, 2026.

Here to meet your needs

EXPLORE PLAN OPTIONS

There’s a lot to consider when deciding which health plan is best for your needs. Compare plans and learn what information you need to enroll.

CORE MOST POPULAR
Good option if…You consider yourself healthy and typically get health care for preventive services, minor illness or injury, and can set money aside in a tax-free health savings account (HSA).

Health Savings Account (HSA) eligible – a tax-free savings account to pay for qualified expenses including office visits and prescriptions drugs. HSAs don’t have time limitations to use, and funds can be built over time. Learn about HSAs →
Deductible must be met before the plan starts paying (except preventive services)
Low cost monthly premium with a high annual deductible
Includes kid’s dental and vision options
Available in Gold and Bronze
See our 2026 Drug List for covered medications

	HSA ELIGIBLE
	GET A QUOTE
	AT-A-GLANCE TABLE

STANDARD
Good option if… You want to pay a predictable copay for going to the doctor, including visits to specialists, mental health and substance use, and therapies such as physical, speech, and occupational.

Flexible copay options including prescription drugs
Lower Out-of-Pocket Maximum costs with a high annual deductible
Does not include kid’s dental
Includes kid’s vision option
Available in Gold and Silver
See our 2026 Drug List for covered medications

	COPAY PLAN
	GET A QUOTE
	AT-A-GLANCE TABLE

HEALTHPLUS
Good option if… You have a chronic health condition or medical issue that requires more frequent visits to your doctor or nurse, long-term maintenance prescription drugs, or frequent lab tests.

Lowers cost barriers for getting the necessary care to keep you at your best health
Lower costs or no-cost for certain drugs for treating chronic illness See drug list
Lower costs or no-cost for lab tests to monitor and treat chronic illness such as diabetes, hypertension, coronary artery disease, chronic heart failure or asthma
No cost for preventive services
Includes kid’s dental and vision options
$10 copay for 24/7 Urgent Care and Behavioral Health Visits via MDLive

	MANAGE CHRONIC ILLNESS
	GET A QUOTE
	AT-A-GLANCE TABLE

BASIC
Good option if... You want a straightforward plan to cover large medical costs in case of a major injury or illness. High deductible plan that once met pays 100%.

Health Savings Account (HSA) eligible – a tax-free savings account to pay for qualified expenses including office visits and prescriptions drugs. HSAs don’t have time limitations to use, and funds can be built over time. Learn about HSAs →
Higher copays with a lower monthly premium
Includes kid’s dental and vision options
High annual deductible
Available in Bronze
See our 2026 Drug List for covered medications

	SAFETY NET COVERAGE
	GET A QUOTE
	AT-A-GLANCE TABLE

EXPANDED STANDARD
Good option if… You want lower Out-of-Pocket Maximum costs with predicable copays for going to the doctor.

Health Savings Account (HSA) eligible – a tax-free savings account to pay for qualified expenses including office visits and prescriptions drugs. HSAs don’t have time limitations to use, and funds can be built over time. Learn about HSAs→
High annual deductible
Does not include kid’s dental
Includes kid’s vision option
Available in Bronze
See our 2026 Drug List for covered medications

	COPAY PLAN
	GET A QUOTE
	AT-A-GLANCE TABLE

CLASSIC
Good option if… You get frequent health care services or prescriptions and want your plan to begin paying sooner.

Primary care office visits with a $45 copay
$5 copay for generic drugs
Higher monthly premium with a lower annual deductible
Includes kid’s dental and vision options
Available in Silver
See our 2026 Drug List for covered medications
$10 copay for 24/7 Urgent Care and Behavioral Health Visits via MDLive

	$10 TELEHEALTH COPAY
	GET A QUOTE
	AT-A-GLANCE TABLE

Your Plan includes

Ask us about additional covered services we provide for our members. A complete list, including any limitations, can be found in the Benefit Booklet. Some services are not covered by our plans like: acupuncture, alternative medicine, artificial conception, cosmetic surgery, cardiac rehabilitation, diagnostic admissions, educational programs, experimental or investigative procedures, hair loss, hypnosis, adult routine hearing exams, and temporomandibular joint dysfunction (TMJ). A complete list of services that have limits or are excluded from coverage can be found in the Benefit Booklet. Please ask us for a copy.

The Silver Classic and Silver HealthPlus plans are available with or without kid’s dental coverage through both BCBSWY and the Health Insurance Marketplace. All Standard Plans do not include kid’s dental coverage.

*No cost benefit to participate in the Virta Health program. Members must meet eligibility requirements.
**Eligible for current BlueSelect contract holders and their spouse.

Enrollment FAQ

CHOOSING A PLAN
Do you qualify for financial assistance to help pay for your health plan?

If so, how much assistance will you receive? Think about your total health care costs–not just monthly premiums, but also out-of-pocket costs. This will help you determine which plan’s cost structure works best for you. Download our Insurance 101 Guide to understand key financial terms and how insurance works.

WHAT YOU'LL NEED BEFORE YOU ENROLL ONLINE
Be prepared...

Be prepared… Before starting the enrollment process, it’s a good idea to gather documents like your latest W-2 tax form, pay stubs, and immigration documents if applicable. You will also need information for everyone in your household including those who’ll be on your health plan such as full names, birthdates, mailing address, and social security numbers. Download our easy-to-use Open Enrollment Checklist here.

CHOOSING YOUR METALLIC LEVEL
Comparing plans…

All BlueSelect Health Insurance plans are categorized as Bronze, Silver, or Gold. Generally, Gold pays more of a member’s total health care costs, while Silver and Bronze pay less.

Decide which metallic level is best for you and your family…

GOLD

Foreseeable Health Needs

Pay more each month, but spend less when receiving care
Best suited for individuals with chronic conditions or ongoing prescription needs

SILVER

Cost-Sharing Reduction Plan

Balanced monthly premiums and out-of-pocket costs
Provides additional savings qualifying individuals*
Designed for lower-income households

BRONZE

Fewer Health Needs

Lowest monthly premiums, but higher costs when you receive care
Best suited for generally healthy individuals who primarily want protection for unexpected emergencies

*Subsidies are only available for plans purchased through the federal Health Insurance Marketplace. Eligibility for and actual amount of any subsidy is determined by the federal Health Insurance Marketplace. Visit www.healthcare.gov for more information.

Can I go without insurance since I can’t afford it?
Going without insurance can create serious risks...

Going without insurance can create serious risks to your health, finances, and overall well-being. Learn about the risks of forgoing health insurance and the benefits of maintaining coverage h

What happens if I miss Open Enrollment?
You may need to wait until the next Open Enrollment, unless you qualify for a Special Enrollment Period...

An SEP is triggered by a major life event, such as losing other coverage, getting married, or welcoming a new child. Learn more about Special Enrollment and Qualifying Life Events here.

Can I get assistance paying for coverage?
You may qualify...

There are assistance programs in place to help qualifying individuals afford their insurance premiums and out-of-pocket costs. The federal government provides two main types of financial assistance for eligible individuals:

Advanced Premium Tax Credit (APTC): Helps reduce the cost of your monthly insurance premiums.
Cost-Sharing Reductions (CSRs): Lowers out-of-pocket expenses such as deductibles, copayments, and coinsurance (only available with Silver-level plans).

Learn more here.

Cost-sharing reductions (CSRs) are special discounts under the Affordable Care Act that help lower the amount you pay when you get medical care. If you qualify and choose a Silver plan, you’ll pay less for things like deductibles, copays, and coinsurance, reducing your out-of-pocket costs. Learn more here.

Get in touch

Have questions? Our local experts can help you find the right BlueSelect plan for you. Find an agent near you or give us a call at 800-851-2227.
We’re available Monday – Friday from 8 a.m. – 5 p.m. or contact your preferred broker if you are working with one. Please allow up to 3 business days.

Broker Compensation Information

Marketplace Health Plan

Expires 06/01/2026

BlueSelect is a Qualified Health Plan (QHP), which meets the requirements of the Affordable Care Act. Blue Cross Blue Shield of Wyoming is a QHP issuer in the Health Insurance Marketplace.

Helpful Resources

Basic Plans – 2026

	Bronze Plan
HSA Eligible Learn More	No
Participant deductible	$8,550
Family deductible	$17,100
Participant out-of-pocket	$8,550
Family out-of-pocket	$17,100
Coinsurance BCBSWY Pays Participant Pays	100% 0%
Preventive Care	Paid at 100% of maximum allowable amount at appropriate intervals.
Primary Care Copay	Subject to the deductible & coinsurance
Prescription Drugs Tier 1: Generic Drugs Tier 2: Preferred Brand drugs	Subject to the deductible & coinsurance Subject to the deductible & coinsurance
Summary of Benefits and Coverage (SBC)	View SBC »

Cost Assistance

Based on certain income requirements, you may qualify for assistance, through government subsidies, with your monthly premiums.

Learn More

Rx Tools

Find important information on your prescriptions, including how to select a pharmacy, request prescription benefits, and more.

Member Rx Tools

Explore our Provider Network

Find a Doctor

Classic Plans – 2026

	Gold Plan	Silver Plan
HSA Eligible Learn More	No	No
Participant deductible	$750	$2,500
Family deductible	$1,500	$5,000
Participant out-of-pocket	$7,900	$7,900
Family out-of-pocket	$15,800	$15,800
Coinsurance BCBSWY Pays Participant Pays	75% 25%	60% 40%
Preventive Care	Paid at 100% of maximum allowable amount at appropriate intervals.
Primary Care Copay	$30	$45
Prescription Drugs
Tier 1: Generic Drugs	$5 copay	$5 copay
Tier 2: Preferred Brand drugs	$20 copay	$50 copay
Summary of Benefits and Coverage (SBC)	View SBC	View SBC

	Gold Plan	Silver Plan
HSA Eligible Learn More	No	No
Participant deductible	$1,000	$4,000
Family deductible	$2,000	$8,000
Participant out-of-pocket	$7,900	$7,900
Family out-of-pocket	$15,800	$15,800
Coinsurance BCBSWY Pays Participant Pays	80% 20%	75% 25%
Preventive Care	Paid at 100% of maximum allowable amount at appropriate intervals.
Primary Care Copay	$30	$45
Prescription Drugs Tier 1: Generic Drugs Tier 2: Preferred Brand drugs	$5/$0 copay $20/$10 copay	$5/$0 copay $50/$25 copay
Summary of Benefits and Coverage (SBC)	View SBC	View SBC

Core Plans – 2026

	Bronze Plan
	Single Plan	Family Plan
HSA Eligible Learn More	Yes	Yes
Participant deductible	$4,500	NA
Family deductible	NA	$9,000
Participant out-of-pocket	$6,750	$6,750
Family out-of-pocket	NA	$13,500
Coinsurance BCBSWY Pays Participant Pays	50% 50%	50% 50%
Preventive Care	Paid at 100% of maximum allowable amount at appropriate intervals.
Primary Care Copay	Subject to the deductible & coinsurance	Subject to the deductible & coinsurance
Prescription Drugs Tier 1: Generic Drugs Tier 2: Preferred Brand drugs	Subject to the deductible & coinsurance	Subject to the deductible & coinsurance
Summary of Benefits and Coverage (SBC)	View SBC »	View SBC »

Balance Plans – 2024

	Gold Plan		Silver Plan		Bronze Plan
	Professional Services	Hospital Services	Professional Services	Hospital Services	Professional Services	Hospital Services
HSA Eligible Learn More	No		No		No
Participant deductible	$500	$1,500	$1,500	$4,500	$3,500	$7,000
Family deductible	$1,000	$3,000	$3,000	$9,000	$7,000	$14,000
Participant out-of-pocket	$7,900		$7,900		$7,900
Family out-of-pocket	$15,800		$15,800		$15,800
Coinsurance
BCBSWY Pays	80%	60%	75%	55%	70%	50%
Participant Pays	20%	40%	25%	45%	30%	50%
Preventive Care	Paid at 100% of maximum allowable amount at appropriate intervals.
Primary Care
Copay	$30	N/A	$40	N/A	Subject to the deductible & coinsurance	N/A
Prescription Drugs
Tier 1: Generic Drugs Tier 2: Preferred Brand drugs	$5 copay $50 copay		$5 copay $100 copay		Subject to the professional services deductible & coinsurance
Summary of Benefits and Coverage (SBC)	View SBC		View SBC		View SBC

medicare options

Explore Medicare Plans Available to You

WyoBlue Advantage

Medicare Supplement Plans

Prescription Drug Plans

WyoBlue Advantage

Shop Medicare Supplement Plans

Find a Prescription Drug Plan

Attend an Informational Event

INFORMATIONAL EVENTS:

Additional information:

Need More Support?

Get in Touch

Scope of Appointment

Health care options for All who call wyoming home

Looking for coverage?

Options for Everyone

Individual & Families

Medicare

Business

You have a choice...choose blue

Individuals & Families

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OPEN ENROLLMENT IS NOW!

Here to meet your needs

NETWORK

EXPLORE PLAN OPTIONS

EXPANDED STANDARD <img decoding="async" src="https://e52zknbx2is.exactdn.com/wp-content/uploads/Bronze-Circle.png?strip=all&w=30" width="30" alt="Bronze circle" data-eio="l"> Good option if… You want lower Out-of-Pocket Maximum costs with predicable copays for going to the doctor.

CLASSIC <img decoding="async" src="https://e52zknbx2is.exactdn.com/wp-content/uploads/Ellipse-8.png?strip=all&w=30" width="30" alt="Silver circle" data-eio="l"> Good option if… You get frequent health care services or prescriptions and want your plan to begin paying sooner.

Your Plan includes

Pediatric Dental

Enrollment FAQ

CHOOSING A PLAN Do you qualify for financial assistance to help pay for your health plan?

WHAT YOU'LL NEED BEFORE YOU ENROLL ONLINE Be prepared...

<img loading="lazy" decoding="async" class="alignnone wp-image-24040" src="https://e52zknbx2is.exactdn.com/wp-content/uploads/Gold-Circle.png?strip=all&resize=40%2C40" alt="Gold Circle indicating Metallic Level" width="40" height="40" data-eio="l" /> GOLD

Foreseeable Health Needs

<img loading="lazy" decoding="async" class="alignnone wp-image-24029 " src="https://e52zknbx2is.exactdn.com/wp-content/uploads/Ellipse-8.png?strip=all&resize=40%2C40" alt="Silver Circle indicating Metallic Level" width="40" height="40" data-eio="l" /> SILVER

Cost-Sharing Reduction Plan

<img loading="lazy" decoding="async" class="alignnone wp-image-24039 " src="https://e52zknbx2is.exactdn.com/wp-content/uploads/Bronze-Circle.png?strip=all&resize=40%2C40" alt="Bronze Circle indicating Metallic Level" width="40" height="40" data-eio="l" /> BRONZE

Fewer Health Needs

Can I go without insurance since I can’t afford it? Going without insurance can create serious risks...

What happens if I miss Open Enrollment? You may need to wait until the next Open Enrollment, unless you qualify for a Special Enrollment Period...

Can I get assistance paying for coverage? You may qualify...

What is a Cost-Sharing Reduction (CSR)? What plans do CSRs apply to?

Get in touch

Cost Assistance

On the Go

Special Enrollment

Helpful Resources

Cost Assistance

Rx Tools

Explore our Provider Network

ACA – Online Event Registration Form

EXPANDED STANDARD
Good option if… You want lower Out-of-Pocket Maximum costs with predicable copays for going to the doctor.

CLASSIC
Good option if… You get frequent health care services or prescriptions and want your plan to begin paying sooner.

CHOOSING A PLAN
Do you qualify for financial assistance to help pay for your health plan?

WHAT YOU'LL NEED BEFORE YOU ENROLL ONLINE
Be prepared...

GOLD

SILVER

BRONZE

Can I go without insurance since I can’t afford it?
Going without insurance can create serious risks...

What happens if I miss Open Enrollment?
You may need to wait until the next Open Enrollment, unless you qualify for a Special Enrollment Period...

Can I get assistance paying for coverage?
You may qualify...

What is a Cost-Sharing Reduction (CSR)?
What plans do CSRs apply to?