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Medicare Plans in Evanston, Wyoming
If you’re a senior in Evanston, Wyoming, here’s what you should know about your Medicare coverage options in 2025 — costs, coverage types, and things to compare.
What Medicare Covers
Original Medicare (Parts A & B): Hospital stays (Part A) plus medical services, outpatient care, and preventive services (Part B).
Medicare Advantage (Part C): Private plans that combine A & B, often include prescription drug coverage (Part D), plus extra benefits like dental, hearing, vision, fitness, etc.
Prescription Drug Plans (Part D): Stand-alone plans to cover medications if not included in your Advantage plan.
Medicare Supplement (Medigap): Helps cover costs not covered by Original Medicare, such as copays, coinsurance, and deductibles.
What to Look For When Choosing a Plan
Provider Network: Does the plan include your doctors/hospitals? If you travel, out-of-network costs can be high with certain plans.
Prescription Drug Coverage: If you take regular medications, check whether your drugs are covered, what the copays are, and whether there are high deductibles.
Extra Benefits: Advantages plans might include dental, vision, hearing, or wellness perks; sometimes helpful if those services are important to you.
Costs Beyond Premiums: Watch out for deductibles, copays, coinsurance, and the plan’s maximum out-of-pocket—you could still face large expenses in a serious illness.
When to Enroll: There are specific enrollment periods (Initial, Annual Open Enrollment, etc.). If you miss the best window for Medigap, you might face medical underwriting or higher rates.