Author: Matt McColm

How Do Medicare Supplement (Medigap) Plans Work?

Posted on by Matt McColm
Medicare Advantage or Medigap Suzie has you covered

Hey North Central Washington, it’s Suzie with Wenatchee Insurance. Today, we are talkin’ about  Medicare Supplement Insurance, or Medigap. Think of Medigap as the baked potato to your Medicare steak, helping cover the costs that Original Medicare doesn’t.

Suzie Appointment

What is Medigap?

Medigap plans are sold by private insurance companies and are designed to fill the “gaps” in Original Medicare. These gaps include out-of-pocket costs like copayments, coinsurance, and deductibles.

Example!

Meet Barney, who’s enjoying his retirement but worried about potential healthcare costs. He decides to get a Medigap plan to cover expenses that Original Medicare doesn’t. Now, Barney can focus on detailing his Corvette instead of medical bills.

Standardized Medigap Plans: One Size Fits Most

Medigap plans are standardized, meaning each plan offers the same basic benefits regardless of the insurance company. There are ten standardized plans (Plan A, B, C, D, F, G, K, L, M, and N), each offering a different level of coverage.

Standardized plans allow a client to shop based on price in the middle of the year.

Example!

Imagine Joan, who travels frequently. She chooses Medigap Plan G because it covers emergency care when traveling outside the U.S., giving her peace of mind on her adventures.

What’s Covered?

Medigap plans help cover costs like:

  • Part A coinsurance and hospital costs
  • Part B coinsurance or copayments
  • First three pints of blood
  • Part A hospice care coinsurance or copayments
  • Skilled nursing facility care coinsurance
  • Part A and B deductibles (depending on the plan)
  • Foreign travel emergency care

Example Time!

Consider Bob, who needs regular blood transfusions. His Medigap plan covers the cost of the first three pints of blood each year, saving him from unexpected expenses.

How to Enroll?

To enroll in a Medigap plan, you must already have Medicare Part A and Part B. The best time to buy a Medigap policy is during your Medigap Open Enrollment Period, which lasts for six months and starts the month you turn 65 and are enrolled in Part B. During this period, you can buy any Medigap policy sold in your state, regardless of your health status.

Protip: We have a lot of members who review their Medigap plan and switch in early summer to reduce inflation.

Example!

Imagine Sally, who just turned 65 and enrolled in Medicare Part B. She takes advantage of her Medigap Open Enrollment Period to get a policy without worrying about being denied coverage due to her pre-existing conditions. The Guarantee Issue is a game changer for people who have struggled with co-payments for under 65 healthcare.

Suzie @ Wenatchee Insurance

We’re here to help you navigate the world of Medigap with ease. Our knowledgeable agents can explain the different plans, help you compare options, and ensure you choose the coverage that best fits your needs.

Remember, understanding Medigap doesn’t have to be a daunting task. With Suzie helping out, you’ll find the perfect potato for your Medicare steak in no time.

Stay tuned for more tips, tricks, and helpful advice from Suzie!

Suzie appointment

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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How Often Should I Review and Update My Home Insurance Policy?

Posted on by Matt McColm

The Annual Home Insurance Check-Up

Insurance review are important

Just like your annual doctor’s check up, your home insurance policy needs regular reviews to stay in good shape. Let’s talk about the why, when, and how with Wenatchee Insurance.

talk with Shayla

The Annual Check-Up Once a year, take a look at your policy. Think of it as a wellness check for your home insurance. Are all your coverages up to date? Have you made any significant changes to your home that need to be included? Is there a lot of inflation?

Post-Renovation Review Did you just build that dream kitchen or add a new deck? Time to update your policy. Renovations can increase the value of your home, and you’ll want your coverage to reflect that shiny new gourmet stove.

Bonus: A new roof can reduce Home Insurance cost.

Major Purchase Alert Did you buy a new Steinway piano or inherit paintings from your Great Aunt Gates? Big-ticket items should be added to your policy to ensure they’re covered. Some categories have limits and may require an endorsement. It’s like adding vitamins to your diet – essential for overall health.

Neighborhood Changes Has your area experienced changes in risk factors, like an unkept field or new construction? Time for a review. Just as you’d adjust your diet if your environment changed, adjust your insurance to match your surroundings.

Life Changes New family members, a new pet, or even a change in your job status can all impact your insurance needs. Keep your policy in sync with your life. It’s like updating your wardrobe to fit your current lifestyle.

With Wenatchee Insurance, keeping your home insurance policy up to date is as easy as scheduling your next check-up. Stay protected and stay informed!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance

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What Are the Differences Between Medicare and Medicaid?

Posted on by Matt McColm
Medicare or Medicaid a conversation about the differences

Hey, it’s Wenatchee Insurance! We are answering a classic question today, what are the differences between Medicare and Medicaid. We are going to use a Golden example:

It’s 2024, you’re sitting with Blanche, Dorothy, Rose, and Sophia in Miami, and you’re scratching your head over the differences between Medicare and Medicaid. Sit tight and grab a cheesecake because we’re about to unravel this mystery Golden Girls style!

Medicare: The Senior Superstar

Dorothy: “Alright, let’s start with Medicare. It’s like Stan – it’s been around forever. Medicare is a federal program mainly for folks aged 65 and older. It also covers younger individuals with certain disabilities and those with End-Stage Renal Disease (ESRD). Think of Medicare as the golden ticket for our seasoned citizens.”

Medicaid: The Need-Based Nurturer

Blanche: “Oh honey, Medicaid is a whole different ball game. It’s a joint federal and state program that helps people with limited income and resources. It’s like that nice gentleman who insists on paying for your drinks at the Rusty Anchor – it’s there to lend a hand when you need it most.”

Who Qualifies?

Medicare:

Rose: “If you’re 65 or older and worked your credits, congratulations, you qualify! But even if you’re younger and have disabilities or ESRD, you’re still in the club.”

Medicaid:

Sophia: “Eligibility for Medicaid is trickier than finding a good cannoli in Miami. It depends on your income, family size, and sometimes disability or other factors. Each state has its own rules – it’s like trying to follow Rose’s stories about St. Olaf.”

Example Time!

Dorothy: “Meet George, a 68-year-old retiree. He’s eligible for Medicare because he’s over 65. Now, consider Anna, a single mother with a low income. She qualifies for Medicaid to help cover her children’s medical expenses. Simple as pie, right?”

health or medicare enrollment suzie makes it easier

What Do They Cover?

Medicare:

Blanche: “Medicare’s got you covered for hospital stays (Part A), doctor visits and outpatient care (Part B), Medicare Advantage (Part C), and prescription drugs (Part D). It’s like having a fabulous wardrobe – everything you need, you just have to mix and match beforehand .”

Medicaid:

Rose: “Medicaid covers a broader range of services, including hospital and doctor visits, long-term care, and sometimes even dental and vision care. It’s like the St. Olaf Cheese Festival – there’s something for everyone!”

Example Time!

Sophia: “Imagine Sue, who has both Medicare and Medicaid (dual eligibility). Medicare covers her hospital and medical expenses, while Medicaid helps with additional costs like long-term care and some out-of-pocket expenses. Sue’s got the best of both worlds – like having cheesecake for dinner and dessert!”

How Are They Funded?

Medicare:

Dorothy: “Medicare is funded by payroll taxes, premiums, and general revenue. It’s as straightforward as Blanche’s love life – always funded by someone.”

Medicaid:

Sophia: “Medicaid, on the other hand, is jointly funded by the federal government and the states. The feds match state spending, with the match rate varying by state. It’s like a family potluck – everyone brings something to the table.”

Example Time!

Rose: “Think of Medicare as a national program with uniform rules. Medicaid is more like St. Olaf’s festivals – each state adds its own unique twist to the overall picture.”

Wenatchee Insurance: Your Dual Eligibility Expert

Blanche: “Navigating the differences between Medicare and Medicaid can feel like one of Rose’s long stories. But don’t worry, darling, Suzie at Wenatchee Insurance is here to guide you through every twist and turn.”

Dorothy: “Our knowledgeable agents can help you understand which program you qualify for and how to make the most of your benefits. Remember, understanding Medicare and Medicaid doesn’t have to be a puzzle.”

Sophia: “With Wenatchee Insurance by your side, you’ll find your way in no time. So stay tuned for more insights, tips, and helpful advice. And always remember – thank you for being a friend!”

calling suzie for medicare or health insurance help

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability, Dual Eligible, Dual SNP,

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Are There Any Exclusions or Limitations in My Policy That I Should Be Aware Of?

Posted on by Matt McColm

We like to review policies with our clients at Wenatchee Insurance to look for exclusions or limitations.

exclusions can limit your insurance your policy

Exclusions and Limitations basics:

The Fine Print Follies

Reading the fine print of your home insurance policy can feel like deciphering an ancient scroll. But fear not! Wenatchee Insurance is here to help you uncover any exclusions or limitations, with a touch of humor to keep you entertained.

The Mystery of the Mold Exclusion You might think mold is just a minor inconvenience, but in the insurance world, it’s often excluded. It’s like finding out King Pizza doesn’t deliver to your side of the Columbia River – a disappointing surprise!

The Infamous Flood Exclusion Floods are the party crashers of natural disasters, not covered by standard homeowners’ policies. Make sure you have separate flood insurance, or you’ll be left high and dry – or rather, wet and uninsured.

Lenders will require flood insurance when you move to certain FEMA-designated flood zones so be prepared for this added cost when buying a new home.

The Earthquake Enigma Earthquakes aren’t always part of the standard package. It’s like ordering a burger and realizing fries are extra. We do get tremors in Washington state, so consider adding earthquake coverage to avoid a costly shake-up.

The Termite Terror Termites might be small, but they can cause big damage. Unfortunately, most policies exclude insect damage. It’s like finding out your least favorite insect is planning a surprise visit. Regular inspections and pest control can help keep them at bay.

exclusions and limitations can rope off your insurance policy from use

The Mysterious Maintenance Issues Routine maintenance issues like plumbing leaks or roof repairs are generally your responsibility. It’s like realizing you have to do your own laundry – a necessary chore that insurance won’t cover.

The Pet Problem Got a furry friend with a penchant for destruction? Most policies don’t cover pet-related damage. It’s like discovering your adorable puppy has a dark side. Keep Fido out of trouble to avoid any unpleasant surprises.

Summary

Wenatchee Insurance helps you navigate the fine print so you’re never caught off guard by exclusions or limitations. Stay informed and stay protected!

Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, flood, Cheap Insurance, Exclusions

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How Do I Choose the Right Medicare Plan for Me?

Posted on by Matt McColm
Medicare plan 65 Wenatchee Advantage

Hey it’s Suzie with Wenatchee Insurance coming in from 413 Mission Street! Today, we’re tackling the question that’s as tricky as choosing the right toppings for your pizza: “How do I choose the right Medicare plan for me?” Like finding the perfect slice, selecting the right Medicare plan requires a bit of thought, a touch of flair, and maybe a dash or two of pepperoni.

appointment with Suzie

Step 1: Know Your Cravings (er, Needs)

First up, you need to understand your healthcare cravings – I mean, needs. Ask yourself:

  • How often do I visit the doctor? Does your doctor’s office know your cat’s favorite toy, or do you just drop by for an annual tune-up like a leaf in the wind?
  • What meds am I taking? Is your nightstand a mini-pharmacy, or do you have a couple of trusty prescriptions?
  • Who are my favorite healthcare providers? Do you have a doc you’d follow to the ends of the earth (or at least across town)?

Example Time!

Take Rita. She’s got more doctor appointments than a socialite has lunch dates and takes a medicine cabinet’s worth of prescriptions. She needs a plan that covers all her meds and keeps her favorite doctors in-network. Rita’s Medicare plan hunt is like finding the perfect pair of shoes: practical, stylish, and something you can walk miles in.

Step 2: Check Out the Menu (Plan Options)

Here’s the Medicare menu:

  1. Original Medicare (Parts A & B): The classic. Like a good cheese pizza, it’s dependable and straightforward.
  2. Medicare Advantage (Part C): The supreme combo. These plans, offered by private companies, bundle Parts A, B, and usually Part D, plus extra toppings like vision, dental, and gym memberships.
  3. Medicare Part D: Standalone prescription drug plans. It’s like adding a side of garlic knots.
  4. Medigap (Medicare Supplement): These plans cover costs that Original Medicare doesn’t. Think of it as the Ranch dipping sauce for your crust.

Example Time!

Picture John. He’s a minimalist at heart. Original Medicare with a side of Medigap is his go-to. No frills, just solid coverage that gets the job done, like a perfectly baked Margherita pizza.

Step 3: Compare the Costs (Count the Dough)

Don’t get caught with an empty wallet. Here’s what to look at:

  • Premiums: Your monthly fee – like your subscription to that pizza-of-the-month club.
  • Deductibles: The amount you pay before coverage kicks in. Consider it your ante at the poker table.
  • Copayments/Coinsurance: Your share of the bill – like splitting the tab on pizza night.
  • Out-of-pocket maximums: The most you’ll pay in a year before insurance takes over. Think of it as your “all-you-can-eat” cap.

Example Time!

Meet Mary. She’s on a tight budget but loves a good value. She compares plans to find one with low premiums and reasonable out-of-pocket costs, ensuring she doesn’t end up eating ramen instead of pizza.

We love our senior insurance customers
Why be boring, life is short.

Step 4: Star Ratings (Yelp for Medicare)

Medicare plans come with star ratings (1 to 5 stars). Think of it as checking Yelp reviews before trying a new pizza joint.

Example Time!

Tom wants the best of the best. He checks out the 5-star Medicare Advantage plans, ensuring he’s getting top-notch service, like dining at a five-star pizzeria.

Get Expert Help (Call the Pizza Hotline)

Feeling overwhelmed? Don’t worry! Wenatchee Insurance agents are like your personal pizza hotline. We’ll help you compare plans, answer your questions, and find the perfect Medicare pie for you.

Example Time!

Jane was lost in the sauce until she called Wenatchee Insurance. With expert guidance, she found a plan that fit her health needs and budget, like a pizza made just for her.

Final Thoughts

Choosing the right Medicare plan is like finding your favorite pizza: once you get the right combo, it’s pure bliss. With Wenatchee Insurance by your side, you’ll be enjoying your perfect Medicare slice in no time. Stay tuned for more insights, tips, and plenty of cheesy puns!

appointment with Suzie

Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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What Is My Deductible and How Does It Affect My Premium?

Posted on by Matt McColm
insurance deductibles are important to the policy

The Deductible question

What if you are at the Chelan County Fair, and you have to choose between the giant purple monkey or the smaller, but equally cute, stuffed llama. This choice is like deciding on your deductible and understanding how it affects your premium cost with Wenatchee Insurance Agency.

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The High Deductible Option: The Giant Purple Monkey  It is like opting for a high deductible when you go for the giant purple monkey. You’ll save money on your premiums. However, if disaster strikes like fire, you’ll need to cough up more cash upfront to cover the deductible first. It’s a gamble, but the savings can be worth it if you don’t foresee many claims in your future.

The Low Deductible Option: The Smaller Stuffed llama Choosing a lower deductible is like going for the smaller, safer stuffed llama. Your premiums will be higher, but you’ll pay less out of pocket if something happens. There is no drama to this llama. It’s a safer bet for those who prefer peace of mind.

The Mid-Range Choice: The Best of Both Worlds Can’t decide? Go for a mid-range deductible. It’s like choosing the medium-sized prize – balanced and reasonable. You can have moderate premiums and a manageable deductible.

Bonus prize

The Premium-Boosting Mystery Box Remember, your premium is influenced by other factors too, like your home’s location, age, condition of the roof and safety features. Just like opening a mystery box at the carnival – you never know what you’re going to get until all factors are considered.

It is why we prefer to have conversations with our clients as sometimes we can uncover discounts that you do not know existed.

Navigate the deductible dilemma with Wenatchee Insurance and find the perfect balance that suits your needs and budget. Happy insuring!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance

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What does Medicare Cost?

Posted on by Matt McColm
medicare does cost even medicare advantage

Hey North Central Washington, from Wenatchee Insurance on Mission street! Today, we’re diving into the nuts and bolts of Medicare cost. Understanding these costs will help you make the best decisions for your bank account and health.

talk with Suzie

Breaking Down the Medicare Costs

Medicare isn’t free, but understanding its costs is as easy as pie (or at least as easy as a slice). (When Medicare first came out in 1966, the annual deductible for Part A was $40, and the monthly premium for Part B was $3.) There are programs for low income however that is another post. Here’s the breakdown:

Medicare Part A: Hospital Insurance

  • Premium: Most people don’t pay a premium for Part A if they’ve worked and paid Medicare taxes for at least 10 years (40 quarters). If you haven’t, you might pay up to $506 per month.
  • Deductible: In 2024, the deductible for each benefit period is $1,600.
  • Coinsurance: After the deductible, you pay coinsurance for hospital stays:
    • Days 1-60: $0 per day
    • Days 61-90: $400 per day
    • Days 91 and beyond: $800 per “lifetime reserve day” (up to 60 days over your lifetime)

Medicare cost example!

Meet Sam, who’s 65 and newly retired. Since he worked for over 30 years, he doesn’t pay a Part A premium. After a brief hospital stay, he’s grateful his deductible and coinsurance costs are manageable.

Medicare Part B: Medical Insurance

  • Premium: The standard premium for Part B in 2024 is $164.90 per month, but it can be higher based on your income (IRMAA).
  • Deductible: The annual deductible is $233.
  • Coinsurance: After meeting the deductible, you typically pay 20% of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment.

Note: The Income-Related Monthly Adjustment Amount (IRMAA) is based on the tax return of the previous two years.

Medicare cost example!

Consider Lucy, who loves her yearly wellness visits. She pays her monthly Part B premium and a small deductible, but thanks to Medicare, her out-of-pocket costs for doctor visits and preventive care are minimal.

Part C: Medicare Advantage

Medicare Advantage Plans vary in cost, depending on the plan and provider. Some plans have low or even $0 premiums but may have different deductibles, copayments, and out-of-pocket maximums. These plans vary from company to company and can even be different by zip codes in the same state. We recommend having a trained person walk you through these plans.

Medicare cost example!

Picture John, who chooses a Medicare Advantage Plan with a $50 monthly premium but no additional deductible. His plan includes vision and dental coverage, making it a sweet deal for his needs.

Part D: Prescription Drug Coverage

  • Premium: Varies by plan, with an average of around $33 per month.
  • Deductible: Some plans have a deductible, which can be up to $480.
  • Copayments/Coinsurance: Costs vary based on the medication tier and whether you use a preferred pharmacy.

Note if you do not sign up for Part D or have credibly prescription coverage then you can have a penalty from Medicare.

Wenatchee Insurance: Your Budget Buddy

At Wenatchee Insurance, we understand that navigating Medicare costs can feel like assembling a financial jigsaw puzzle. But don’t worry – we’re here to help you piece it all together. Suzie at Wenatchee Insurance can provide personalized guidance and ensure you understand all the costs involved.

Remember, folks, planning for Medicare doesn’t have to be a budget-busting headache.

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Are Secret Discounts Available for Home or Bundling Policies?

Posted on by Matt McColm

Unlocking the Secret Discounts

Wenatchee insurance bundling Health insurance, Medicare, Life, Car, Home in for secret discounts

Shh… Can you keep a secret? Wenatchee Insurance has secret discounts that can save you big bucks on your home insurance. It doesn’t always have to be with the same company or type of insurance! Let’s embark on a treasure hunt to uncover these elusive savings.

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The Safe Home Bonus Installing safety features in your home is like finding a hidden stash of gold coins. Smoke detectors, alarm systems, and deadbolt locks can earn you discounts. Your home becomes a fortress, and you fend off the inflation bandits for the year.

The Golden Parachute of Savings. Keep your receipts, if you have a roof that is less than ten years old then you could be entitled to some savings. Age plays a tremendous role for underwriters being able to cover your home.

The Bundling Bonanza Why stop at home insurance when you can bundle with auto insurance and save even more? It’s like finding a two-for-one deal at your favorite store. Bundle your policies with Wenatchee Insurance. Some companies allow us a discount if you have a Health or Medicare policy with us.

The Claim-Free Treasure Been a good sailor with no claims? Wenatchee Insurance rewards you for smooth sailing. The longer you go without filing a claim, the more you save. Boring is better when it comes to pleasing the underwriters.

The Loyalty Loot Sticking with Wenatchee Insurance pays off. Loyal customers often receive discounts just for being awesome and staying with the same insurer. It’s like getting a thank-you gift for being part of the family.

So, grab your treasure map and start hunting for those hidden discounts with Wenatchee Insurance. Your savings adventure awaits!

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Topics: Wenatchee Insurance, Deductible, Home Insurance, Bundle, Chelan, Fire, Okanogan, Grant, Medicare, health, Wind, Liability, Cheap Insurance, independent insurance broker,

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What Are Medicare Advantage Plans?

Posted on by Matt McColm
medicare advantage mutlitool of health

Greetings, Wenatchee Insurance aficionados from Mission Street! Today, Suzie is shining a light on the mystery of Medicare Advantage Plans, also known as Part C. Think of these plans as the Renaissance Man of the Medicare world, combining various benefits into one convenient bundle.

talk with Suzie

Medicare Advantage: The Healthcare Multi-tool

Medicare Advantage Plans are offered by private insurance companies approved by Medicare. These plans include all the benefits of Part A (Hospital Insurance) and Part B (Medical Insurance), and may also include Part D (Prescription Drug Coverage). A Medicare Advantage plan is like a subcontractor. They come in and replace your Part A & B coverages and add different benefits.

While they have undergone changes through the years, Private plans have been around since the beginning of Medicare in 1966. Medicare Advantage plans must cover all medically necessary services that Original Medicare Covers.

Example Time!

Imagine Mary Jo retires and wants to simplify. Instead of juggling separate plans, she opts for a Medicare Advantage Plan that places everything in a convenient package. Mary Jo now has more time to enjoy gardening and less time digging through the different health insurance options.

Medicare Advantage senior in the flowers

Extra Perks: More Than Just Basics

Medicare Advantage Plans often offer additional benefits that Original Medicare doesn’t cover, such as:

  • Vision care: Routine eye exams and glasses
  • Dental care: Cleanings, x-rays, and dentures
  • Hearing care: Hearing exams and hearing aids
  • Wellness programs: Gym memberships, fitness classes, and more

Medicare Advantage plans vary by company and some cases by zip code so it is important to review the benefits based on your address.

Example Time!

Meet Jimmy, an avid cyclist and fitness enthusiast. His Medicare Advantage Plan includes a fitness program, giving him access to numerous gyms and fitness classes at no extra cost. Jimmy’s cycling buddy Fred in a neighboring state has the same company but his plan does not include the fitness program. Jimmy learned about the fitness plan benefits by carefully reviewing the Medicare Advantage plan materials.

Medicare Advantage Senior using benifits

Choosing the Right Plan

Selecting the perfect Medicare Advantage Plan can feel like choosing the right flowers for your garden– so many options! Here are some factors to consider:

  • Network: Check if your preferred doctors and hospitals are in-network.
  • Costs: Compare premiums, deductibles, copayments, and out-of-pocket maximums.
  • Coverage: Ensure the plan covers your medications and any extra benefits you need.
  • Ratings: Look at the plan’s star ratings to gauge its quality and performance.

Example Time!

Consider Jane, who needs regular medication for a chronic condition. She carefully reviews different Medicare Advantage Plans to find one that covers her prescriptions and includes her trusted healthcare providers. With Suzie @ Wenatchee Insurance’s help, Jane selects a plan that fits her needs.

Suzie @ Wenatchee Insurance has been assisting people with Medicare for over ten years.

Navigating the variety of Medicare Advantage Plans can be tricky, but that’s where Wenatchee Insurance can lend a hand. Our trained agents are here to guide you through the options, explain the benefits, and assist you in making an educated decision on which plan is right for you.

Remember, folks, understanding Medicare Advantage doesn’t have to be underwater basket weaving. You’ll find a great plan in no time with Wenatchee Insurance by your side. Stay tuned for more insights and tips!

appointment with Suzie
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Topics: Medicare, Medicare Advantage, Suzie, Wenatchee Insurance, SSDI, ESRD, Hospital Insurance, Prescription Drug Coverage, Part D, Medical Insurance, Disability,

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What Is the Process for Filing a Claim and How Long Does It Typically Take?

Posted on by Matt McColm
Fire around Central Washington can make insurance tough for filing a claim
Wild Fire along the Columbia River

When I saw smoke up the Number 2 Canyon, ‘Oh no get ready’ is the first thing that goes through my mind. Fire Season is upon North Central Washington, and I know we could be filing a claim soon at Wenatchee Insurance. Let’s talk about Claims.

The Great Filing a Claim Adventure

Grab your map and compass because we’re embarking on the Great Claim Filing Adventure with Wenatchee Insurance. Filing a claim might seem like a daunting quest, but with the right guide, you’ll navigate it like a pro.

Step 1: The Call to Action Your adventure begins with a phone call. Report your loss and provide all the necessary details. Think of it as the moment you receive your mission – exciting and full of possibilities!

Step 2: The Inspection Quest An adjuster will be dispatched to assess the damage. They’re like the Gandalf of home insurance, wise and thorough. They’ll document everything and help you understand the extent of your loss. Yes, sometimes they will find more damage than expected.

Step 3: The Paperwork Maze Fill out the required forms, provide receipts, and submit photos. It’s a bit like solving a riddle, but fear not, Wenatchee Insurance’s trusty agents are there to guide you through this labyrinth. Matt made a personal claim after January’s snowstorm that was a breeze.

Step 4: The Waiting Game Ah, the waiting period. Use this time to train (or binge-watch your favorite series). The supply chains have made them longer than we want. The processing time varies, but patience is key. Remember, good things come to those who wait – like a well-handled claim!

Step 5: The Victory Celebration Once your claim is approved, it’s time to receive your payout. Whether it’s repairing your home or replacing your lost treasures, the end of this adventure is always sweet. Celebrate your victory and enjoy the peace of mind that comes with being well-insured.

We are guides along the way that do our best to smooth out a difficult time. If you ever have a question do not hesitate to call us at Wenatchee Insurance so that we can lend a hand.

Embark on your claim-filing adventure with Wenatchee Insurance and discover that even the most challenging quests can have happy endings.

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Topics: Wenatchee Insurance, Independent Agency, Deductible, Home Insurance, Wildfire, Chelan, Fire, Okanogan, Grant, Flood, Earthquake, Wind, Liability,

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