At Wenatchee Insurance Agency, serving the area in and around Wenatchee, WA, we know that navigating flood insurance can be tricky. Many homeowners overlook this crucial coverage due to common misconceptions or incorrect information they hear and believe. Let’s clear up some myths and help you make informed decisions.
Myth 1: Homeowners Insurance Covers Floods
A frequent misunderstanding is that standard homeowners insurance includes flood coverage. Unfortunately, it does not. Flood insurance is a separate policy that specifically covers damage caused by flooding. Understanding this distinction can save you from unexpected expenses.
Myth 2: Only High-Risk Areas Need Flood Insurance
Another misconception is that only homes in high-risk flood zones require insurance. However, floods can happen anywhere. About 25% of flood claims come from low to moderate-risk areas. Assessing your property’s risk with the help of an expert can ensure you’re adequately protected.
Myth 3: You Can Purchase Flood Insurance Anytime
Many people assume they can buy flood insurance whenever they want. However, there’s usually a 30-day waiting period before the policy goes into effect. Planning ahead is essential to ensure you’re covered when you need it most.
Myth 4: Flood Insurance Is Too Expensive
While cost is a concern, flood insurance may be more affordable than you think, especially compared to the potential costs of flood damage. The price varies based on location, coverage, and property details, so it’s worth exploring your options.
Reach Out to Get Flood Insurance or Answers to Your Questions About Flood Insurance
At Wenatchee Insurance Agency, serving the Wenatchee, WA area, we’re here to help you understand your flood insurance needs. Contact us today to discuss your options and ensure your home is protected.
Why Working with a Health Insurance Broker Like Suzie or Matt Just Makes Sense (and Cents!)
Because insurance jargon can be confusing, we are talking about insurance producers who work with several different companies.
Navigating health insurance is like walking through a maze of paperwork, confusing terms, and deadlines that feel impossible to hit without a little help. Enter Suzie or Matt from Wenatchee Insurance! Having an insurance broker on your side is like having a GPS that not only gets you where you need to go but also tells you where the free snacks are along the way. Here’s why teaming up with a broker can be the best decision you make for your health—and your sanity.
Reason #1: Brokers Do the Homework for You (So You Can Actually Relax!)
Imagine you’re sitting at your kitchen table, staring at a pile of health insurance pamphlets, each one promising to be just what you need. But which one actually is? That’s where Suzie (or Matt, he’s a gem too) shines! Brokers are like insurance detectives, decoding complex policies to find the plan that’s best for you.
Suzie once helped a client who thought “deductible” was just another word for “tax return,” and “copay” was some sort of buddy system. It turns out, the client didn’t just need insurance; they needed a translator. Suzie swooped in, found a plan that met all their needs, and explained everything in plain English. No more guessing games, no more jargon—just clear, simple guidance.
Reason #2: Brokers Have a Personal Stake in Getting You the Best Deal
Insurance brokers aren’t tied to any single company, so they genuinely care about getting you the best bang for your buck. Suzie and Matt love nothing more than saying, “Yes, that plan is great—and yes, it actually covers that!”
Matt’s favorite story? He once found a plan for a client that covered everything from acupuncture to chiropractic care. The client was thrilled! He had been on the hunt for months, but every plan he came across either had sky-high premiums or the coverage wasn’t quite right. Matt did some digging, called around, and managed to find a plan that was basically a one-stop shop for the guy’s wellness needs. That’s the power of a broker: they go beyond the generic recommendations to find you that perfect match.
Reason #3: Brokers Are Not Robots—They Actually Listen!
Unlike a certain popular insurance website with an “instant quote generator,” Suzie and Matt will actually listen to your needs. Brokers make it their mission to know what’s important to you, like making sure that your favorite doctors are in-network or ensuring your child’s allergies are covered without a hassle.
Imagine Suzie, notebook in hand, jotting down your concerns like an insurance detective. She’s not just a broker; she’s like your insurance BFF. If you’re worried about unexpected medical bills, Suzie will find ways to minimize those costs. If you’re in a health club or have a wellness routine, she’ll find a plan that rewards you for staying healthy.
Reason #4: Peace of Mind, Especially When Life Happens
When your health is on the line, having someone knowledgeable to turn to is invaluable. And Suzie and Matt aren’t just there for the enrollment process. They’re your go-to for questions, claims, and even random inquiries like, “Will this cover my acupuncture for my dog?”
In a world of confusing options, Suzie and Matt at Wenatchee Insurance stand out by offering personalized help, a bit of humor, and plenty of wisdom. So why go it alone? Let Suzie or Matt be your guide—you’ll be in safe hands, with maybe a laugh or two along the way!
What Are the 10 Essential Coverage for Health Insurance? (And Why You’ll Want Suzie at Wenatchee Insurance on Speed Dial)
Health insurance can feel like a magical mystery tour, except it’s more like a trip through paperwork and less like a rock concert. But don’t worry! Suzie from Wenatchee Insurance is here to save the day, kind of like a superhero, but instead of a cape, she has a computer full of insurance plans. Let’s take a look at the 10 essential coverages that every health insurance plan must have (thanks, Affordable Care Act!), and how they make life easier here in Eastern Washington.
1. Ambulatory Patient Services (aka Your Everyday Doctor Visits)
You wake up, sneeze three times, and suddenly, you’re Googling “Is sneezing a sign of a rare disease?” Instead of spiraling down the rabbit hole of WebMD, you can make a quick visit to your doctor. Ambulatory services cover routine check-ups and visits to specialists. Suzie’s here to make sure you’re covered whether you’re seeing Dr. Jones down the street or a specialist for your “seasonal allergies” (also known as dust from last year’s ski gear).
Imagine this: you’re having the best day at Mission Ridge, catching air and looking like a pro. Then… BAM! You misjudge a jump and suddenly find yourself needing an ambulance. Don’t panic—your health insurance has you covered for all those “Oops, I did something dumb” moments. Emergency services mean that your insurance will handle that surprise ER trip.
3. Hospitalization (If You Need More Than Just a Band-Aid)
Okay, so your skiing mishap turned into something bigger when you escaped Bigfoot on Stevens Pass. Maybe you need surgery or a few days in the hospital. Hospitalization coverage makes sure you don’t have to start a GoFundMe to pay your medical bills. Let’s find you a plan with a higher success rate.
4. Maternity and Newborn Care (Because Babies Don’t Come Cheap)
Expecting a baby? Congratulations! Maternity and newborn care are essential coverages, so whether you’re welcoming your little bundle of joy in Wenatchee or elsewhere in North Central Washington, you won’t have to sell the farm for the newest hand. Suzie’s got the inside scoop on which plans make it easier to manage prenatal visits, delivery, and all those newborn checkups. Postnatal Care is important and we have additional resources in Washington State.
5. Mental Health and Substance Use Disorder Services (We All Need Therapy Sometimes)
Let’s face it—life can be stressful. Maybe you’ve binge-watched House one too many times and are now convinced you have every rare condition ever featured on the show. Good news! Your health insurance covers mental health services, so you can talk to a therapist and work through your House-induced hypochondria. Happy brain coverage while easier than before the ACA, is still not always the fastest hunt in Eastern Washington.
6. Prescription Drugs (AKA The “Why Is This So Expensive?” Coverage)
When your doctor prescribes medication, you shouldn’t have to choose between paying for your meds or your next Netflix subscription. Prescription drug coverage means you’ll get help with the cost of necessary medications. Suzie can point you to plans that cover the things you need, whether it’s allergy meds, insulin, or that mystery cream for the rash you got hiking up Saddle Rock.
7. Rehabilitative and Habilitative Services (Getting You Back on Your Feet, Literally)
If your big skiing adventure left you needing physical therapy, you’re in luck. Rehabilitative services are designed to help you recover from injuries, illnesses, or even surgeries. Suzie will ensure your plan covers those sessions where you learn to bend your knee again without yelping like a golden retriever stepping on a Lego.
8. Laboratory Services (Testing Without the Guessing)
Routine blood work or diagnostic tests? No problem! You don’t have to skip your annual check-up at Confluence Health just because you’re worried about the cost of tests. It seems like when you get over forty the doctors have a fleet of tests for you. There are a variety of options when it comes to how an insurance company handles this.
9. Preventive and Wellness Services (Keeping You from Becoming a WebMD Expert)
Preventive care is like that nagging friend who reminds you to take care of yourself—except now it’s your insurance! Whether it’s vaccines, screenings, or a flu shot from your local pharmacy, preventive care is 100% covered. Little work now to prevent the big job later.
10. Pediatric Services, Including Oral and Vision Care
Got kids? Your insurance will cover regular check-ups, dental care, and vision tests for them. Suzie can help you find a family-friendly plan so you don’t have to pay out-of-pocket when little Johnny needs glasses because they spent too much time squinting at their phone playing Monopoly Go!
Conclusion
Choosing the right health insurance plan doesn’t have to feel like running a marathon in flip-flops. With Suzie and Wenatchee Insurance, you’ll have an expert who can help you navigate the corn maze of coverages and find a plan that fits your needs. Whether you’re in Wenatchee, Colville, or anywhere in Eastern Washington, you’ve got someone in your corner who knows the ins and outs of health insurance—and has a heck of a butterfly collection!
While we do have Open Enrollment from November 1st through January 15th, there are also Special Enrollment Periods (SEP). SEP are documented reasons like losing coverage from a job, low income, getting married, or even a tribal affiliation. Suzie likes to run the application to see if one of the conditions can trigger an immediate enrollment or else we are prepared for the next Open Enrollment Period in fall.
You do not have to go alone when you have Suzie on your insurance team.
Topics: health insurance, Medicare, Medicare Advantage, health alliance, wellcare, Molina, humana, Suzie, Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth, Quincy, Cashmere, Entiat,
Suzie and Matt get new clients on a regular basis that have no idea who their broker is or don’t like them. In other states, there have been rogue broker swaps so we are keeping our eye out for this in Washington .Before we work on an account, we request a person’s permission. It is important to note that for insurance the clients owns the relationship this is especially true for plans on the Washington Healthplanfinder.
To look at your account about a week prior to open enrollment and a week after, we have to be attached to your account as the broker of record. At Wenatchee Insurance, we don’t charge fees and are year-round so it is securing your customer service for the year. If we are not attached then we will not receive funds for the year from the insurance companies. (Yes, it keeps the lights on so we can lend a hand.)
Brokers in the same organization can lend a hand on accounts answering questions and updates. Yes, it means you have even more customer service. You can also have a navigator as well as a broker for additional service.
During the Open Enrollment Season November 1st through January 15th Suzie and Matt work many long hours where support to change broker of record on accounts is impossible if you do not know your passwords. It is why we recommend checking before a weekend or off-hour appointment.
If you find yourself with someone that you didn’t not select then an easy way is to go to the message center. They have an search feature for In-Person Help Update. If the person that is listed as your broker does not appear on your most recent option then a change is in order.
Then there you go, how to know who you consented to be your broker of record.
Nancy, a resident of the bustling town of Wenatchee, sat staring at an open laptop flashing an array of confusing premium options for her potential health care coverage for the upcoming year. Not only was the screen dizzying to her, but the monthly premiums felt like a gut punch given her household budget. While staring blankly at the screen, the pressing question of how can you get health insurance she can afford weighs heavily on her mind. This is a common thread of worry among many of our Chelan County neighbors during this open enrollment season, especially when you think about what your kids need. As she began looking at the screen, searching for clarity, she wondered if there were any free plans that her neighbor had talked about. Nancy represents the legion of Washingtonians battling the confusion over health care costs. Especially when insurance companies get involved. But like most, she was unsure what to do and definitely didn’t want to put her contact information into a website knowing what would happen to her phone in the aftermath. If only she could find a solution to her health plan options.
What is Free Health Insurance?
With the arrival of open enrollment (November 1st) , Washingtonians are faced with pivotal decisions regarding their health insurance for the coming year. The Suzie @ Wenatchee Insurance and our other agents are inundated with concerns about soaring prices and questions about whether a doctor is covered by individual health plans. The relentless queries, dominated by the pressing question, “Can you get free health insurance in Washington?” echo through our office. This concern is not unfounded. Many residents wonder if the concept of free health care is a tangible reality or a mere mirage in the desert of healthcare options. During this period, the uninsured ponder whether they are flirting with financial peril, and the question of “Is it a scam?” is a regular chorus.
Who Can Get Free Health Insurance in Washington State?
It turns out that free health insurance in Washington isn’t a mythical creature—it does exist for those who fit the mold. Washingtonians may qualify for various health insurance programs at no cost, from government-sponsored initiatives to specific plans within the ACA Marketplace. This means that free health insurance isn’t just a fleeting hope but a tangible reality for some, provided they meet the necessary eligibility criteria, which include specific income requirements and participation in government programs. And even if free isn’t available, an affordable health plan may be within reach.
Washington Residents: Discover If You Can Really Get Health Insurance at No Cost!
Do I Have To Have Health Insurance In Washington?
While Washington State doesn’t impose a penalty for those sans health care coverage, many like Nancy understand that this freedom comes with its own risks. The absence of a safety net can lead to financial turmoil in the face of unexpected medical issues. It’s not mandated, but the sheer unpredictability of life steers many towards exploring the various alternative health plan options available, such as private health plans or policies from ACA Exchange, to mitigate the potential financial strain. But we still have many adults without health insurance in this state.
Types of Health Insurance Available in Washington
Washingtonians are presented with many healthcare program options. From the Marketplace Exchange brimming with plans to the security offered by off-exchange plans, there’s something for everyone. Wenatchee Insurance recommends maintaining some level of health care coverage because, as life has proven time and again, it can indeed come at you fast.
ACA Marketplace Exchange Plans
For many residents, ACA Marketplace or Exchange Plans are a place of hope for containing the cost of health insurance. The costs of marketplace coverage can be offset by federal government subsidies, which is a massive benefit for families struggling with the pressure of inflation. An added benefit is that eligibility for these plans cannot be denied for any pre-existing conditions or for people with disabilities. The Washington Healthplanfinder is an integral part of the healthcare landscape in Washington, ensuring a safety net is available for those who need it most.
Short Term Medical Plans
Short Term Medical Plans are not offered in Washington state. The Washington Office of Insurance would love for you to notify you if someone is offering a short-term plan.
Catastrophic Health Plans
As of July 2024 there were no Insurance Companies offering a Catastrophic Healthcare Plan in Washington State. When they have been available they had an age limit of under 30. Strangely, the majority of people asking for them were over that age.
Requirements for Free Health Insurance in Washington
Free health care services in Washington isn’t a giveaway—it’s a carefully regulated benefit with specific qualifying criteria based on age and income. Programs like Apple Health (Medicaid) or CHIP have stringent eligibility requirements, and while the ACA Marketplace is more broadly accessible, the cost of plans is influenced by a range of qualifying factors. And just because your monthly premiums are free, you can still have costs for doctor visits or hospital care. Let’s look at the three major requirements.
Income Requirements
The pathway to free health insurance in Washington is paved with household income requirements. It’s essential to understand the various types of income, from unemployment benefits to monthly income, which are taken into account when determining eligibility for programs like CHIP and other free health insurance options. If your family is at or below the federal poverty line from an annual income estimate, you will be in line to qualify for Apple Health or CHIP. If your annual household income is above that amount, your household may qualify for Cascade Savings which are state credits that can further reduce your premium cost in some cases to zero.
Age Requirements
Age is a determining factor for free health insurance eligibility in Washington State. For children and young adults, Apple Health and CHIP offer low-cost solutions, while seniors find assistance through Medicare. The Health Insurance Marketplace also provides age-specific options, ensuring a broad spectrum of coverage possibilities for Washingtonians.
Resident Status
The final piece is your status as a permanent resident of Washington. If you have a home in another state where you file your taxes, your ability to obtain a Marketplace or Exchange plan here in Washington is removed no matter how limited your household income might be. It’s vitally important to understand this if you are seeking financial assistance with your health care plan.
We understand that all of this can be incredibly confusing. Nancy certainly was confused by not only choosing a primary care doctor, but also the types of plans available. Local, experienced health insurance agents are the allies Washington need when navigating the complex world of health insurance. They not only understand the individual insurance options available to you, but they also understand which health care providers accept which affordable health insurance plan. And sometimes, a low-cost plan may serve better than a no-cost option. If your objective is to minimize total out-of-pocket expenses, not just monthly premiums, these affordable health service options must be considered. Wenatchee Insurance employs experts who can help tailor the right plan for your individual needs.
Speak to Wenatchee Insurance
At Wenatchee Insurance, our independent agents work tirelessly for the people of Washington. We strive to provide the education necessary to navigate the myriad of options available. Our goal is to pair you with a plan that not only covers your healthcare needs but also aligns with your financial situation.
For Nancy and countless others, the journey to uncover the right health insurance is laden with questions and uncertainties. Click the Button Below to Navigate Through Washingtons’ Health Insurance Plans and Find Out If Free Coverage Is in Your Future! Let us help you demystify the options and uncover the path to your ideal health insurance plan for 2024 and beyond.
Topics: health insurance, ACA, catastrophic health coverage, ACA Alternatives, prescription coverage, private health insurance, short term, apple health, DACA, Okanogan, Grant, Chelan, Douglas, Quincy,
Let Suzie from Wenatchee Insurance Be Your Enrollment Guide!
It’s that time of year again—leaves are falling, pumpkin spice is everywhere, and it’s officially fall. Suzie has started hosting the feathers to help people find our Mission street office.
While you’re busy sipping on that latte, don’t forget that it’s also Medicare and health insurance open enrollment season. Yes, it’s the magical time of year when you can review, tweak, or overhaul your health plan to prepare for the coming year. If you’re scratching your head, unsure about when to update your Medicare or health plan, don’t worry—Suzie from Wenatchee Insurance has been a resource in Wenatchee for over a decade!
The Annual Enrollment Period (AEP) for Medicare runs from October 15 to December 7, while health insurance marketplace open enrollment typically starts around November 1 and ends mid-January (for Washington State). This window is your chance to make changes that could save you money, improve your coverage, or protect you from unexpected healthcare surprises down the road.
But here’s the catch: if you snooze, you lose. Once the period closes, you may be stuck with your current plan for the entire year—unless you qualify for a special enrollment period. So, grab that calendar and select an appointment today. Trust Suzie from Wenatchee Insurance to help make the process as painless as possible—she’s even got some great jokes up her sleeve to keep things fun!
While we liked the old one, the new sign sparkles better.
When Should You Update Your Health or Medicare Plan?
Here are some key scenarios where updating your plan during the fall enrollment period makes perfect sense.
Your Plan has left
It takes two to tango and sometimes the Health Insurance Companies cannot reach an agreement with the local doctors. If you have Medicare then you can double check on Medicare.gov the first couple of weeks in October. In Washington state, the health plans go through an approval process starting about June every year. Both are required to send out notices. When your plan leaves then you may have good unexpected options.
Your Health Has Changed
Did your health take an unexpected detour this year? Maybe you discovered you’re allergic to dogs, but you adopted three Corgis because you couldn’t resist their fluffy tushies. Or perhaps you’ve been diagnosed with a condition that requires more trips to the doctor or prescription medications. If your healthcare needs have changed, it’s time to update your health plan.
For Medicare enrollees, this is especially important. If you’re on Original Medicare but now need more comprehensive prescription coverage, it might be time to consider a Medicare Advantage Plan or adding a Medicare Supplement with a Part D Prescription Drug Plan. Suzie can help you explore your options and make sure your plan aligns with your health needs.
You’ve Moved or Plan to Travel More
Did you recently move to a charming little town like Winthrop where your internet is slower than molasses, but the mountain views are worth it? If so, your current plan may not cover your new healthcare providers. Or maybe you’re spending more time traveling and need a plan that accommodates your jet-setting lifestyle (or in Suzie’s case, jet-fueled coffee).
Medicare Advantage Plans and some health insurance policies are region-specific, so updating your plan can ensure that you’re covered no matter where you are—or where you’re heading.
Your Current Plan is Draining Your Wallet
If you’re starting to feel like your health insurance premium is eating up your budget for pumpkin spice lattes, it’s time for a change. Fall enrollment is the time to shop around for more affordable options.
Please note that Medicare Supplement Plans (Medigap) can be shopped year-round.
Maybe your plan has been creeping in some fee increases or out-of-pocket costs over the last couple of years that now feel like a second mortgage. Suzie can help you compare plans and find one that offers better value for your money. Who knows—you might even be able to upgrade your coffee from regular brew to that fancy almond-milk version you’ve had your eye on!
You Want to Try Something New
Health plans aren’t tattoos—you can change them! You never know if a new plan has arrived with different benefits if you never look. If you’re simply curious about trying a new type of plan or want to explore the extra benefits of a Medicare Advantage Plan (like vision, dental, or hearing coverage), fall enrollment is the time to do it. Suzie can walk you through the options, making the process as smooth as your favorite blend of coffee.
Get Help From Suzie at Wenatchee Insurance
Whether you’re updating your plan due to health changes, moving, financial concerns, or just wanting something new, Suzie at Wenatchee Insurance is here to help. She knows that health insurance can be confusing, and she’ll make sure you understand every option available—without boring you to tears. Plus, with her sense of humor, she’ll turn what can feel like a tedious task into a conversation you’ll enjoy.
So this fall, while you’re sipping your seasonal drinks and raking leaves, take a moment to think about your healthcare needs. And when you’re ready to make some updates, give Suzie a call at Wenatchee Insurance. She’ll have you laughing your way to better coverage in no time!
Missing your Initial Enrollment Period (IEP) is like missing the last ferry out of Chelan to Stehekin—you can still get where you’re going, but it might be a bit more complicated and costly. The IEP is your first opportunity to enroll in Medicare, and it spans seven months (the three months before you turn 65, the month of your birthday, and the three months after). If you miss this boat, you might face late enrollment penalties.
Suzie tip: If you are turning 65 in October, November or December then select your appointment early as your Initial Enrollment overlaps with the Annual Enrollment Period and it is a very busy time.
But don’t worry, Suzie from Wenatchee Insurance is here to help you catch the next one. She’s like the friendly dock attendant who knows all the schedules. If you’ve missed your IEP, Suzie can help you sign up during the General Enrollment Period (GEP), which runs from January 1 to March 31 each year. However, enrolling late could mean higher premiums for Part B, like paying extra to charter a private boat instead of catching the ferry.
What if I am working with a employer & have a health plan?
Suzie can also check if you qualify for a Special Enrollment Period (SEP), maybe because you were still working and had employer coverage. This is like getting a free ticket for the next ferry because of a rain check.
So, if you’ve missed the Medicare boat, don’t panic—Suzie will make sure you find the next best option to get you where you need to go.
Suzie tip: If you have a plan on the Washington Healthplanfinder, the minute that you become Medicare eligible then you lose the advanced premium tax credits. It is worthwhile to talk to Suzie before this occurs.
Suzie has been assisting people in Washington state for over a decade selecting Medicare Prescription and Medicare Advantage Plans. She has people selecting her months in advance for these updates. If you do not see her available then call and we will do our best for a personalized appointment.
Topics: health insurance, Medicare, Medicare Advantage, Wenatchee Insurance, Suzie, Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth, Quincy, Cashmere, Entiat,
WE return calls & are here for appointments..OR you can start your free online quote now!
For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.
