Author: Matt McColm

Can you buy insurance by yourself online?

Posted on by Matt McColm
buy insurance by yourself online

I was asked years ago, if I could write an insurance policy myself then why would I use a another broker.

From the Washington Healthplanfinder, Neptune, Squaremouth, DeltaDental, etc there are a ton of places that I can buy insurance for myself. Why would I want another person?

1. I want their training. They get trained by the insurance companies on how the plans function. They have to keep up on their training and have an expertise that you don’t get casually. Your Aunt Betty who worked with insurance ten years ago may not have understand any updates to the industry.

2. They carry insurance on their decision that I don’t have. Professionals that advise people carry insurance. It provides an extra layer if things go wrong.

3. If the insurance company goes sideways then I have someone to assist me in filing a complaint. This is why I use someone contracted with multiple companies. I want my agent to be able to use options.

4. They would be able to tell you particulars about what is going on for a brand in an area. For example, they would know if there is any problems with the local clinic’s contract with Kaiser.

5. They do not fall into the brand trap. You may have had a particular dental plan for years. Folks around you use the same named company with great success. What happens if you grab the cheap version that doesn’t cover what you need?

6. There are differences that you should know.

In Washington State a Producer or agent is what most people will work with. They can be contracted with one or multiple companies.

For Health Insurance, you can work with a navigator who is unlicensed and can not advise you what plans that you can pick. You can also work with a broker, who is licensed, can advise you and fill in any gaps with additional coverage. Both are called in person assisters.

An Insurance Broker is commonly thought as someone who works with multiple companies. Some will have a Surplus Lines Broker to work with more exotic policies. Health Insurance Agents that work with the State Exchange are referred to as brokers. Since brokers don’t represent insurance companies, they can’t bind coverage on behalf of an insurer when purchasing insurance. They must hand over the account to an insurer or insurance agent to complete the transaction.


If you are not able to get a Health Insurance plan now because it is special enrollment then you would be in a better position November 1st when Open Enrollment begins.

An agent (producer) is a vital tool in assisting you shop for an insurance plan. They will have insight into plans from their training and experience. If you can have a conversation with them then you are off to a good start in finding a plan that suits your needs.

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How to Find Cheap Home Insurance in North Central Washington

Posted on by Matt McColm
Family home insurance washington state

So, you finally bought your dream home—whether it’s a charming craftsman in Wenatchee, a cozy cabin in Leavenworth, or a fixer-upper in Okanogan that “just needs a little love” (aka a total gut job). Now, before you get lost debating which shade of “rustic sage” to paint the kitchen, let’s talk about home insurance—because you’re going to need it when a windstorm turns your backyard trampoline into your neighbor’s new patio furniture.

But don’t worry! Shayla at Wenatchee Insurance is here to save your budget, your sanity, and maybe even that questionable fence you keep saying you’ll fix “next summer.”

1. Bundle Up Like It’s January in Winthrop

You wouldn’t survive a Methow Valley winter in just a T-shirt, so why would you buy home insurance without bundling it? If you’ve already got auto, life, or even farm insurance, Shayla can combine them to save you money—like when you buy apples by the box at Smallwood’s Harvest instead of one at a time.

2. Raise That Deductible—But Not Too High

A higher deductible means a lower premium, but let’s not get crazy. If your deductible is so high that you’d have to sell your fishing boat to cover it, you might want to reconsider. Shayla can help you find that perfect balance—somewhere between “too expensive” and “I’ll just live with the hole in my roof.”

insurance deductibles are important to the policy

3. Home Improvements = Lower Rates

You might be fixing up your home to impress the in-laws, but some upgrades can also slash your insurance bill. Things like a new roof, better wiring, or an anti-burglar system can earn you major discounts. Plus, if you’ve been putting off replacing that 1970s avocado-green carpet, now you have an excuse.

4. Shop Around Like It’s the Chelan Farmers Market

You wouldn’t just grab the first apple cider bottle you see—you compare prices and samples first. The same goes for insurance. Shayla has access to multiple providers and will do the price-hunting for you, so you don’t have to spend hours on hold with an insurance company in another time zone.

5. Only Pay for What You Need

Do you need hurricane insurance in Wenatchee? No. Do you need wildfire coverage? Absolutely. Shayla helps you customize your policy, so you’re paying for protection against things that could actually happen—like an elk crashing through your fence, not a tsunami.

Wildfire around Central Washington can make insurance tough
Wild Fire along the Columbia River

6. Discounts Are Everywhere—If You Know Where to Look

There are discounts for first-time buyers, retirees, having good credit, and even installing a fire extinguisher. Shayla knows how to uncover these hidden savings, so you can keep more money for important things—like gas money for your next Leavenworth trip.

Call Shayla at Wenatchee Insurance—Your Wallet Will Thank You!

Finding cheap home insurance doesn’t have to be a headache. With Shayla’s expert advice, a few smart decisions, and maybe some minor home upgrades, you’ll get the coverage you need without breaking the bank.

Give Shayla a call today—she’ll help you save money, avoid insurance headaches, and maybe even find a way to finally afford that dream deck with a view of the Columbia River.

talk with Shayla
If you bundle with Wenatchee Insurance then you can save

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Turning 65? Don’t Panic—Suzie from Wenatchee Insurance Has Your Back!

Posted on by Matt McColm

So, you’re turning 65. Congratulations! You’ve officially leveled up in life. Along with senior discounts at restaurants and the ability to yell at kids to get off your lawn with newfound authority, you now have to deal with something equally exciting (or terrifying): Medicare enrollment.

Turning 65 Suzie from Wenatchee Insurance can help you with Medicare
Suzie helps with important birthdays year round.

Before you run away screaming, let me introduce you to your new best friend—Suzie from Wenatchee Insurance. She’s the kind of insurance expert who can turn Medicare mayhem into something that actually makes sense.

talk with Suzie

Wait… Do I Even Have to Sign Up for Medicare?
Great question! If you’re already drawing Social Security, the government enrolls you in Medicare Part A and Part B automatically. Boom. Done. Easy.

But if you’re still working or have insurance through a spouse, you might need to make some decisions. Do you delay Part B? Do you enroll right away? Do you flip a coin and hope for the best? (Hint: Don’t do that last one.)

Suzie can help you figure it out so you don’t get slapped with penalties later. Yes, Medicare penalizes procrastination. Who knew?

Medicare: The Alphabet Soup of Insurance
Medicare comes in four parts, and much like choosing between sugar and salt for your morning coffee, picking the wrong one can be a disaster.

Part A (Hospital Insurance): Covers hospital stays, skilled nursing care, and some home health services. Usually free if you worked long enough.
Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services. This one comes with a monthly premium.
Part C (Medicare Advantage): A bundle of A & B (and sometimes D) offered by private insurance companies. These can include perks like dental, vision, and even gym memberships—because apparently, seniors are required to be more active than they were at 40.
Part D (Prescription Drug Coverage): Because medications aren’t free, and no one wants to take out a second mortgage for allergy pills.
Suzie will help you navigate these options without making your head explode. She’ll translate all the Medicare jargon into normal human language—so you can focus on more important things, like enjoying retirement.

Medicare Supplements vs. Medicare Advantage—Which One’s Right for You?
If Original Medicare (Parts A & B) was a basic car, you’d probably want to add insurance so you’re not left paying for repairs (aka, giant hospital bills). That’s where Medicare Supplements (Medigap) or Medicare Advantage plans come in.

Medigap helps cover out-of-pocket costs like deductibles and coinsurance. Medicare Advantage, on the other hand, rolls everything into one plan, including some extras. It’s like deciding between buying car insurance or getting an all-in-one ride-sharing subscription with bonus perks.

Suzie can break it down for you without using confusing sales talk. She’ll compare plans from different companies and find one that fits your needs, not the one that gives her a bigger commission (because that’s not how Wenatchee Insurance rolls).

Don’t Wait Until the Last Minute!
Your Initial Enrollment Period (IEP) starts three months before your 65th birthday and lasts until three months after. Miss it, and you might have to wait until the next General Enrollment Period—plus, penalties could be lurking in the shadows.

But don’t stress. Suzie’s got this. Whether you need a plan, a translator for Medicare lingo, or just someone to remind you that yes, you are still incredibly cool at 65—she’s here to help.

Call Suzie at Wenatchee Insurance—Because Medicare Shouldn’t Be Scary
Want to skip the stress and actually enjoy turning 65? Call Suzie. She’ll handle the hard part, and you can get back to celebrating your milestone birthday—preferably with cake. Lots of cake.

chat with Suzie
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Why You Should Use Suzie of Wenatchee Insurance for a Notary

Posted on by Matt McColm
Suzie is Wenatchee Insurance notary

So, you need a notary. Maybe you’re buying a house, transferring a title, or dealing with paperwork so complicated it makes your head spin. Whatever the reason, you need someone reliable, professional, and—let’s be honest—someone who won’t make the experience feel like a trip to the DMV. That’s where Suzie at Wenatchee Insurance comes in.

Schedule Suzie

1. She Actually Cares About Your Paperwork

You ever meet one of those notaries who barely glances at your documents, stamps them with the enthusiasm of a sleepy sloth, and sends you on your way? Yeah, that’s not Suzie. She knows how important these papers are to you—whether it’s a real estate closing, a power of attorney, or an affidavit stating that, yes, you did in fact sell your cousin’s 1998 Honda Civic. Suzie makes sure every detail is correct so you don’t end up in a mess later.

2. No Judgment Zone

Let’s be real, notary documents are often tied to life’s big moments—buying a home, starting a business, dealing with legal matters. Maybe you’ve had to Google what “jurat” means three times. That’s okay! Suzie isn’t here to make you feel like you should’ve gone to law school. She explains what you need in plain English and ensures you walk away confident that everything is in order.

3. Convenience is Key

Need a notary today? No problem. Wenatchee Insurance isn’t some giant, impersonal office where you have to wait weeks for an appointment. Suzie works with your schedule and makes things as easy as possible. Need her to notarize something fast? She’s got you. Need a friendly face to reassure you that, yes, this is the right document? She’s got you there, too.

4. Local Expertise with a Smile

Suzie knows Wenatchee and North Central Washington like the back of her hand. She understands what documents people in this area commonly need notarized—whether it’s property-related, business agreements, or those all-important DMV forms that could make or break your weekend plans. Plus, she’s actually friendly, which is more than we can say for most bureaucratic processes.

5. One-Stop Shop for Insurance and Notary Needs

Why stop at just a notary? If you’re at Wenatchee Insurance, you might as well have Suzie check out your home, auto, or health insurance while you’re there. Because nothing says “I’m an adult who has my life together” like knocking out two important tasks in one stop.

The Bottom Line

When you need a notary in Wenatchee, Suzie is the one to call. She’s reliable, fast, and makes the process easy. Plus, she won’t judge you if you accidentally bring the wrong form the first time. So, skip the hassle, head to Wenatchee Insurance, and let Suzie take care of business!

Schedule with Suzie
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How do I get a surety bond in North Central Washington?

Posted on by Matt McColm
Yes, we do surety bonds at Wenatchee Insurance

Why You Should See Shayla at Wenatchee Insurance for a Surety Bond (And Avoid the DIY Disaster)

Let’s talk about bonds. No, not the kind James Bond carries around in his secret spy wallet—though that would be cool. We’re talking about surety bonds, contractor bonds, notary bonds, and all the other fun financial guarantees that businesses and individuals sometimes need. If that sounds about as exciting as watching paint dry, don’t worry—Shayla at Wenatchee Insurance makes the process painless, simple, and, dare we say, almost enjoyable.

Surety Bonds Are Confusing. Shayla Is Not.

If you’ve ever tried to Google “how to get a surety bond in Washington state,” you probably ended up in a confusing rabbit hole of legal jargon, application forms, and requirements that make no sense. That’s because bonds involve three parties—the principal (you), the obligee (the entity requiring the bond), and the surety (the insurance company backing it). Still with us?

Good news: You don’t need to memorize any of this. Shayla already knows it all. She translates “insurance-speak” into plain English so you understand exactly what you need and why. No more guesswork, no more frustration—just straightforward answers.

Speed Matters—And Shayla Delivers

Need a bond fast? Maybe you just landed a big job as a contractor and need a license bond yesterday. Or perhaps you suddenly realized that your business permit requires a specific bond you didn’t even know existed. Instead of panicking, just call Shayla. She works quickly to get you bonded ASAP so you can move forward with your business (and avoid that scary fine from the state).

Plus, trying to go it alone can lead to mistakes. A small paperwork error could mean delays, rejections, or worse—paying too much for a bond that doesn’t even cover what you need. Shayla knows how to navigate the system, ensuring you get the right bond at the best price, with zero headaches.

Fast Bond connection
construction bonds

Local Expertise, Personal Touch

Sure, you could go online and try to get a bond through some faceless website. But do you really want to deal with a call center in who-knows-where when something goes wrong? With Shayla, you’re working with someone who understands Wenatchee, North Central Washington, and all the specific requirements of our state.

More importantly, she actually cares. Need a reminder when your bond is about to expire? She’s got you covered. Not sure if your business needs additional bonding? She’ll walk you through it. Try getting that level of service from a random internet company.

The Bottom Line: Call Shayla

If you need a bond, don’t make it harder than it has to be. Skip the stress, save time, and go straight to the expert. Call or visit Shayla at Wenatchee Insurance—because when it comes to bonds, it’s always better to have a local expert in your corner.

Need help today? Shayla’s ready—give her a call before you find yourself tangled in a web of bond confusion!

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Where is my 1095 form so I can file taxes

Posted on by Matt McColm
1095 form wenatchee insurance health

The 1095 Form, Taxes, and Individual Health Insurance: A Match Made in (Paperwork) Heaven

Ah, tax season—when we trade our snow shovels for calculators and every mailbox visit feels like a lottery draw, except instead of money, we get… forms. If you’ve got individual health insurance, there’s one form you can’t escape: the 1095. It starts the third week in January. But don’t worry! Suzie from Wenatchee Insurance has seen it all, and with her knack for breaking things down (and a good sense of humor), she’s here to help you understand how your health insurance and taxes go hand-in-hand.

What Is the Mysterious 1095 Form?

The 1095 form is like the awkward cousin of the W-2. It doesn’t hold the keys to your refund, but it’s crucial for showing Uncle Sam you had health insurance last year. Think of it as your golden ticket to avoid paying the “Individual Shared Responsibility Payment” (aka the we-didn’t-see-your-coverage penalty).

If you bought health insurance through the Washington Healthplanfinder, you’ll likely receive a 1095-A. If your coverage came directly from a private insurer, you might get a 1095-B. If you received Apple Health then you may be looking at a 1095-B form. Either way, they both scream, “Proof I’m covered!”

Please note for Apple Health and people with a 1095-B form, the IRS does not require the form.

What Do You Actually Do with the 1095 Form?

Suzie will tell you straight: Don’t panic. When the form arrives, here’s your action plan:

  1. Check it for Errors
    Suzie swears by the two-minute error check. Are your name, address, and Social Security number correct? Is the coverage period accurate? If you spot a mistake, reach out to your insurance provider ASAP.
  2. File It with Your Taxes
    The IRS doesn’t need you to send in the form, but keep it handy. Your tax software or accountant might ask for it to confirm your coverage.
  3. Double-Check Tax Credits
    If you received premium tax credits (yay, lower premiums!), the 1095-A is your BFF for reconciling them on Form 8962. Suzie’s advice? Don’t skip this step—it could mean the difference between a sweet refund and an awkward bill.
Suzie working hard with Ambetter Health Insurance

How Does Individual Health Insurance Affect Your Taxes?

Suzie often says, “Health insurance and taxes are like peanut butter and jelly: a weird combo, but they work.” Here’s how:

  1. Tax Credits
    If you qualified for tax credits through the Marketplace, your 1095-A shows how much the government chipped in. If your income changed during the year and you didn’t update the Marketplace, you might owe (or get back!) some of that credit.
  2. Penalties (Not So Much Anymore)
    Suzie says the big bad penalty is mostly a thing of the past, but some states (like California and New Jersey) still have individual mandates. If you live in one of these, your 1095 form is your get-out-of-jail-free card.
  3. Self-Employed Deductions
    Here’s a silver lining: If you’re self-employed, you might be able to deduct your health insurance premiums. That’s right—your individual plan could save you money on taxes.

Suzie’s Top Tip for Stress-Free Tax Season

Suzie’s golden rule: Organize early, relax later. Don’t let your 1095 form live under a pile of junk mail until April 14th. As soon as it arrives, add it to your tax folder—or, as Suzie calls it, “The Box of Financial Doom.”

If you have lost your 1095 or don’t have a printer then stop in. We do print copies for our clients.

And if you’re confused about your plan, tax credits, or which 1095 form you should expect, don’t hesitate to call Wenatchee Insurance. Suzie and Matt specialize in turning health insurance headaches into manageable to-dos.

When in Doubt, Ask for Help

Taxes are complicated, health insurance is complicated, and when you combine the two? Let’s just say Suzie has seen some impressive forehead wrinkles from her clients. But that’s why Wenatchee Insurance is here—to make things simple, funny, and as painless as possible.

When you have a plan from the Healthplanfinder then you are required to file your taxes every year.

You can file taxes for Free.

The Washington State Department of Revenue has a list of assistors.

So, grab that 1095 form, pour yourself a cup of coffee (or something stronger), and tackle tax season like a champ.

.If you can’t find it then stop in and we will be able to print one out or tell you if you don’t need to include your 1095 form.

appointment with Suzie
Home Health Medicare Car Dental Prescription insurance corndog

Topics: health insurance, tax document, 1095, apple health, Molina, Ambetter, Community Health, Suzie,  Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth, Quincy, Cashmere, Entiat,

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What Is Medicare Advantage Open Enrollment? And Why You Should Call Suzie Before You Regret It

Posted on by Matt McColm
Medicare Advantage Open Enrollment is a health insurance redo for the year

Ah, the new year. A time for resolutions you may or may not keep, gym memberships that go unused after January 15th, and… Medicare Advantage Open Enrollment! That’s right, folks. While the world is busy pretending kale smoothies are delicious, you’ve got the golden opportunity to switch, drop, or tweak your Medicare Advantage plan from January 1st to March 31st.

suzie appointment

So, what exactly is Medicare Advantage Open Enrollment? Don’t worry, we’re here to make it crystal clear, with fewer big words and more laughs. And if it still feels like a brain bender? That’s when you call Wenatchee Insurance and let Suzie save the day.

The Open Enrollment Lowdown

Imagine you bought a car, but by January you realize it’s more of a lemon than a luxury ride. Maybe it gets terrible mileage. Maybe the stereo only plays polka music. Either way, you need a switch. Well, Medicare Advantage Open Enrollment is your chance to ditch the “lemon” plan and grab something that fits your life—minus the accordion solos.

During this special window:

You can switch to a different Medicare Advantage plan (because sometimes you just need a better deal).

You can drop your Medicare Advantage plan and go back to Original Medicare (hello, freedom!).

You can add a Medicare Part D plan for prescriptions (because paying full price for meds isn’t on anyone’s vision board).

prescriptions cost money a medicare plan d can save

It’s a relaunch for this year’s health insurance. But here’s the kicker: you can only make ONE change during this window. That’s right—no double-dipping. So, we have to make it count!

Why You Need Suzie From Wenatchee Insurance (Like, Yesterday)

Here’s the deal: Medicare rules can feel more confusing than assembling furniture with no instructions. One minute you’re comparing plans, and the next you’re buried in pamphlets muttering, “What even is a deductible?” It’s a slippery slope, my friend.

Enter Suzie. She’s not just any insurance agent; she’s the Medicare whisperer of Wenatchee Insurance. Picture this: while you’re sipping coffee and trying to remember what Part C does, Suzie’s already found three plans that cover your favorite doctors, lower your out-of-pocket costs, and include extra perks like dental or vision. She’s like a superhero, but instead of a cape, she wears a friendly smile and has a phone glued to her hand.

Need examples? Let’s say you’re Steve from East Wenatchee. Steve didn’t call Suzie last year and ended up with a plan that didn’t cover his prescriptions—ouch. Meanwhile, Betty from Cashmere gave Suzie a ring, and now her plan includes gym memberships and a dental cleaning so good her dentist asked for her secret.

Don’t be a Steve. Be a Betty.

Where can we get our one stop insurance shop in North Central Washington?

At Wenatchee Insurance, Suzie, Matt and Shayla make the Medicare Advantage Open Enrollment period a breeze. They do the research, break down the jargon from the different insurance companies, and find you the best plan for you and your family. No accordion solos, no paperwork nightmares—just great coverage and a sigh of relief.

So, if you’re ready to switch things up (or just make sure you’re on the right plan), pick up the phone and call Suzie. Trust us: your future self will thank you.

Medicare Advantage Open Enrollment ends March 31st. Don’t miss out—call Wenatchee Insurance today!

suzie appointment

Topics, Wenatchee, Dental, Medicare, Advantage, Okanogan, Quincy, Grant County,

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Insurance takes can get the holidays on track.

Posted on by Matt McColm

Tis the Season to Be Insured: How Insurance Saves Your Holiday (and Your Sanity)

holiday turkey home fire insurance

The holidays are here! You’ve got twinkling lights, hot cocoa, and about 500 events to attend and it’s only tuesday. It’s the most wonderful (and chaotic) time of the year. But while you’re busy decking the halls and dodging your Aunt Edna’s super chewy fruitcake, have you considered how insurance fits into your holiday plans? That’s right—insurance might just be the secret weapon for a holly, jolly recovery season. And lucky for you, Wenatchee Insurance (with Shayla, Suzie and Matt leading the charge) is here to save the day.

Christmas Trees, Fires, and Liabilities—Oh My!

You’ve finally found the perfect Douglas Fir tree—big, bold, and ready to impress the neighborhood. After wrestling it into your living room and hanging ornaments with questionable sturdiness, you light it up like the Rockefeller Center. It’s stunning… until your cat, Mr. Whiskerbean, launches himself into it like a snowboarder down Mission Ridge.

Suddenly, your living room is a winter wonderland of shattered ornaments, broken furniture, a toppled tree and you in your bare feet playing Die Hard. What now? If you’ve got homeowner’s insurance (hint: call Shayla at Wenatchee Insurance to double-check), you’re covered! They’ll help you sort out the mess without making you feel like the Grinch. Plus, they’ve probably heard crazier stories—like the guy who deep-fried his turkey indoors.

talk with Shayla

Sleighs and Snow: Auto Insurance to the Rescue

Ah, the joy of winter roads. You’re driving to Grandma’s house with a SUV full of gifts and the family’s secret cheeseball. But then—BAM!—you hit a patch of ice and find yourself in a not-so-festive fender bender. Now what?

This is where Wenatchee Insurance becomes your holiday hero. With the right auto insurance, you’re covered for those slippery mishaps. Matt will make sure you’re back on the road faster than you can say, “Rudolph with your nose so bright.” And if your holiday travel includes a rental car? Wenatchee Insurance will make sure you’re not paying for someone else’s scratch-and-dent collection.

Holiday Party Fiascos: Liability Coverage Saves the Day

Maybe you’re hosting the annual ugly sweater party. The hard cider is flowing, the eggnog is thick, and then—WHAM!—Farmer Fred slips on the mistletoe you taped to the floor (why?!). He’s fine, but his hip isn’t, and now you’re staring down the barrel of a hospital bill.

Good news: your renter’s or homeowner’s insurance likely includes liability coverage! And if you’re not sure, Shayla can review your policy faster than a holiday sale on ugly sweaters. She’ll make sure you’ve got the right protection so Farmer Fred’s medical bills don’t turn your Christmas savings into a lump of coal.

Why Wenatchee Insurance?

The holidays are unpredictable—trees fall, cars slide, and parties go haywire. But with Wenatchee Insurance on your side, you can navigate the season with a little more confidence and a lot less stress.

Shayla’s brains, Suzie’s compassion and Matt’s no-nonsense approach make insurance feel as cozy as a marshmallow in a cup of hot cocoa. They’ll help you find coverage that fits your life (and your holiday chaos) while adding a touch of humor to the process. Because let’s face it: nothing says “peace on Earth” like knowing you’re properly insured.

So, before you string another light or bake another batch of cookies, give Wenatchee Insurance a call. They’ll make sure your holidays are filled with joy—not claims forms.

insurance liability for the holidays
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Important Health Insurance Plan Coverages

Posted on by Matt McColm
Health insurance for the emergency room

Ah, health insurance. It’s like the ultimate adulting test, but instead of a grade, you get co-pays. And if the thought of picking the right health insurance plan makes you feel like you’re trying to solve a Rubik’s Cube blindfolded, don’t worry—Suzie and Matt at Wenatchee Insurance are here to help. Let’s dive into what every health insurance plan must cover, using examples that prove even the mundane can be hilarious.

1. Doctor Visits: The “Ouch!” Standard

All health insurance plans must cover preventive care, like your annual physical or flu shots. So, when you stub your toe on the coffee table for the fifth time this month, rest assured you’re covered for a doctor visit.

Example: Remember Bob from East Wenatchee? He thought his sore throat was a sign of his budding opera career. Turns out, it was strep. Thankfully, his insurance covered the visit, and Suzie from Wenatchee Insurance helped him pick a plan that didn’t leave him crying in the pharmacy aisle over antibiotic prices.

2. Emergency Services: For When You Really Mess Up

Whether it’s a car accident, a kitchen knife mishap while perfecting your “Chopped” audition, or your kid thinking their LEGO belongs in their nose, emergency services are covered.

Example: Matt once helped a family in Cashmere who needed an ambulance after their teenager attempted a backflip off the barn roof. The good news? Their plan covered it. The bad news? The kid’s TikTok account gained 20,000 followers from the footage.

3. Prescription Drugs: Because Over-the-Counter Isn’t Always Enough

Insurance plans cover a range of medications, so you’re not stuck Googling “natural remedies for gout” in the middle of the night.

Example: One client, Nancy, tried to cure her migraines with a DIY essential oils concoction that ended up attracting bees. Suzie found her a plan that covered real migraine meds—and a bee sting cream just in case.

Medicare prescription plan d talk to Suzie at Wenatchee about Inflation Reduction Act

4. Mental Health Services: Brain Care Counts Too

Every plan covers therapy and mental health treatment. Because sometimes, adulting really is that hard.

Example: Fred, a Wenatchee resident, found himself overwhelmed by his parrot, who had learned to imitate his mother-in-law. Therapy sessions covered by his plan helped him cope (and gave him the courage to teach the bird new phrases).

5. Maternity and Newborn Care: Tiny Humans, Big Bills

Pregnancy care and newborn checkups are a must. And honestly, who doesn’t need a little financial help when baby formula is practically worth its weight in gold?

Example: A couple in Leavenworth came to Matt for help after realizing their baby’s hospital bill rivaled their down payment on a house. With the right plan, they saved enough to afford diapers and pizza delivery during sleepless nights.

6. Preventive Care: Because “An Apple a Day” Isn’t Enough

From cancer screenings to vaccines, your plan’s got you covered here. It’s like insurance for your future self.

Example: Suzie helped a Wenatchee apple farmer find a plan that covered his annual skin cancer screening—important when you’re out in the sun all day naming your trees after your favorite superheroes.

7. Pediatric Care: Kids Break Things (Including Themselves)

From immunizations to vision checks, pediatric care is mandatory. Because it turns out, kids aren’t as indestructible as they think.

Example: Matt once worked with a family whose son mistook a skateboard ramp for a launch pad. Good news: His arm healed. Better news: The family’s plan covered the X-rays and cast.

suzie reviews at Wenatchee insurance

Suzie and Matt Have You Covered

Navigating health insurance might feel like wandering through a corn maze blindfolded, but that’s where Wenatchee Insurance shines. Whether you need coverage for everyday aches and pains or for those epic fails that deserve a highlight reel, Suzie and Matt are the dynamic duo to guide you.

So, call Wenatchee Insurance today. Because picking the right health plan shouldn’t feel like surgery—just a checkup with friends who know the ropes (and have probably seen it all).

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Does Dental Insurance Cover Orthodontics/Braces in Washington?

Posted on by Matt McColm
dental insurance braces wenatchee suzie

Ah, braces —the rite of passage that every kid (and some adults) in North Central Washington dreads. If you’re wondering whether dental insurance will help you foot the bill for straightening little Dillan’s teeth, you’re in good company. This question comes up all the time at Wenatchee Insurance, especially when people start tallying up the cost of those shiny metal brackets like they were made of gold.

Orthodontic / Braces Coverage Basics

Dental insurance can cover orthodontics, but it’s not always a guarantee. It’s a bit like assuming all apples in Wenatchee taste the same—they don’t! It is tough to eat a Red Delicious from cold storage. Orthodontic coverage depends on your plan, and most plans that do cover it will only do so for kids under 18. The magical phrase is “Medical Necessity” especially if there is an Apple Health Plan in play.

If your parents couldn’t get you braces when you were a kid then there are a couple of individual unicorn plans available. Suzie and Matt went hunting for plans that could be purchased by the individual for this purpose and they have some restrictions.

How Much Is Covered?

If your plan does cover braces, it typically covers a percentage of the total cost—usually around 50%. So, if little Billy’s braces cost $6,000, your insurance might cover $3,000, leaving you to pay the rest. It’s like getting a discount on a family-sized apple pie at the local bakery—not free, but better than full price.

Example

Let’s take young Emma from Omak, who needed braces but didn’t want to look like she had a mouth full of railroad tracks. Her mom found a dental insurance plan that covered clear aligners instead of traditional braces. Now Emma’s teeth are straightening out just in time for high school, and she can smile confidently in all her Instagram pics—no filters required.

At Wenatchee Insurance we have found that exploring some of your options early can have some of the lowest costs for braces. As we get older, it gets a little tough but not impossible for dental insurance to cover orthodontics as adults.

Let’s talk about Braces

Topics: health insurance, Dental, Medicare, Implants, Braces, Bridge, Delta, Ameritas,  Dentures, Lifewise, Cavity, Suzie,  Chelan, Okanogan, Grant, Douglas, 509, Quincy, Cashmere, Entiat,

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