What is the difference between insurance agent & insurance broker?

Posted on by Matt McColm
Insurance Broker Agent Producer

Is there a difference between Insurance Broker, Agent or Producer? What do I want when I shop for insurance for my home, car, health, or Medicare plan? How does it all work? Who is Wenatchee Insurance? Who are Matt, Shayla and Suzie?

Imagine you’re shopping for a pair of leather work boots.

Insurance Agent

Insurance Agent: This person works at a specific shoe store and will show you all the shoes they have in stock. They might have a great selection, but they can only offer you what’s in their store. If they are a Nike store then they will only sell you Nikes, if you are in a Converse store then they will only sell you Converse….you get the idea. In insurance terms, this agent represents one or a few insurance companies. They’ll help you pick the best shoe (policy) from what they have.

Insurance Broker

Insurance Broker: Now, think of this person as your very own shoe shopper. They don’t work for any specific store. Instead, they run around town, checking every store that they have access to find you the perfect pair of shoes at the best price. In the insurance world, a broker shops around with different insurance companies to find the best policy for you.

There is also a Surplus Lines Broker and that is a special license to sell products for carriers not admitted in our state. This would be like someone who could sell you a pair of $10,000 pair of Dolce & Gabbana when there were no stores in the state.

Insurance Producer

Insurance Producer: This is a fancy term that covers both agents and brokers. (It is the legal term in Washington State). If you’re a producer, you’re licensed to sell insurance, whether you’re helping people pick shoes from one store (agent) or shopping all over town (broker).

A Example:

Imagine you’re about to go on a hiking trip, and you realize you need a pair of sturdy hiking boots (let’s say the boots represent your insurance policy).

If you go to an Insurance Agent, they’ll show you all the boots they have in their store. “These are great boots!” they’ll say. And they are! But they’re the only ones they can sell you because that’s what their store offers.

If you go to an Insurance Broker, they’ll say, “Wait here!” and dash off to five different stores to find the best hiking boots in town. They might come back with three pairs and say, “Here, try these. They’re all great, but this one has the best grip, and it’s on sale!”

And if someone says they’re an Insurance Producer, they’re just telling you they can help you get insurance, whether they’re sticking to one store or shopping around.

So, next time you’re “shopping” for insurance in Washington State, now you know who does what—and who’s more like your personal shoe shopper!

Suzie health medicare Wenatchee insurance

So is Wenatchee Insurance Broker , Agents or Producers?

At Wenatchee Insurance we are Insurance Producers licensed in the state of Washington. We use exchanges to shop for products for our clients. We are contracted with many different companies for Health, Life, Travel, Medicare, Homes, Autos, and Businesses. We also work with several different brokers for additional support for our clients. We can recommend plans and do not add fees for our services.

Yes, we have been writing policies like Apple Health for clients for years without receiving a dime because it is the right thing to do for our community.

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What is the Inflation Reduction Act doing to Medicare Prescription plans?

Posted on by Matt McColm
Medicare prescription plan d talk to Suzie at Wenatchee about Inflation Reduction Act

Suzie and Matt at Wenatchee Insurance have been discussing the upcoming changes for months. We view the Inflation Reduction Act as a creator of Big Changes in Medicare Prescription coverage. We see that resources will be limited during the Annual Enrollment Period. Consumers faced with large changes in Medicare Prescription Plans and Medicare Advantage plans looking for guidance for their plan update may feel pressured to take the first plan presented instead of thorough explanations of the updates.

Have you set your appointment with Suzie?

Here’s a quick overview of how the Inflation Reduction Act (IRA) is changing Medicare:

Out-of-Pocket Spending Cap for Part D:

Beginning in 2025, the donut hole is gone. The Inflation Reduction Act introduces a $2,000 annual limit on out-of-pocket spending for Medicare Part D. This is a major difference. This maximum will protect Medicare beneficiaries from excessive drug costs and provide more predictable expenses throughout the year.

Medicare Prescription Payment Plan:

Also starting in 2025, the IRA will implement a new Medicare Prescription Payment Plan. It can be started anytime during the year. This plan allows Medicare beneficiaries to spread out their out-of-pocket costs for prescription drugs over the course of the year, instead of paying large sums all at once. This change aims to make managing drug costs more manageable for beneficiaries, especially those on fixed incomes.

For example, Farmer Fred uses Stelara for his arthritis. It retails for over $20,000 a dose on his Medicare Prescription Plan. It means that the first dose cost will stop at that out-of-pocket maximum and Farmer Fred can choose to make payments on the $2000 (out of pocket maxim remember) instead of everything up front like in previous years.

Medicare Prescription Drug Price Negotiation:

The IRA allows Medicare for the first time to negotiate prices for certain high-cost prescription drugs directly with pharmaceutical companies. The process began in 2023, with the first ten negotiated prices set to take effect in 2026.

The selected drug list for the first round of negotiation is:

Eliquis

Jardiance

Xarelto

Januvia

Farxiga

Entresto

Enbrel

Imbruvica

Stelara

Fiasp; Fiasp FlexTouch; Fiasp PenFill; NovoLog; NovoLog FlexPen; NovoLog PenFill

The next round of fifteen drugs to be negotiated will be announced on February 1, 2025 and their new prices starting January 1, 2027.

health or medicare enrollment suzie makes it easier

Already in effect:

Capping Insulin Costs:

Starting in 2023, the IRA caps insulin costs for Medicare beneficiaries at $35 per month. This cap is expected to provide significant financial relief for those who depend on insulin to manage their diabetes.

Expanded Access to Vaccines:

The IRA ensures that all adult vaccines recommended by the Advisory Committee on Immunization Practices (ACIP) are available to Medicare Part D beneficiaries with no cost-sharing, starting in 2023. This got vaccines like shingles to Medicare recipiants with no additional cost. The considerable list is here.

These changes reflect a significant effort to make healthcare more affordable and accessible for Medicare beneficiaries, particularly in the realm of prescription drugs.

In July the Centers for Medicare & Medicaid Services  released 2025 Medicare Part D Bid Information and Premium Stabilization Demonstration. For the Stand-alone Part D plans, they are going to provide some reassurance and work on lowering some of the forecasted costs. This stabilization has been done before. It was in the early days of the Medicare Part D plans. We will not be able to discuss the individual plan prices until October.

Suzie and Matt are recommending everyone with a Medicare Prescription Plan or a Medicare Advantage Plan with Prescriptions who want assistance double-checking plans to select an appointment now as there are millions of Americans with these plans and a limited number of people who are trained to assist.

Medicare Annual Enrollment Period runs from October 15th through December 7th.  

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What advantage do you have in selecting a independent agency?

Posted on by Matt McColm
independent agency

Why Choosing Wenatchee Insurance as your independent agency is Like picking the Best Pot Belly Pig at the County Fair Imagine this: It’s a sunny day at the Douglas County Fair, and you’re trying to choose the best pig for the blue ribbon. You could wander around aimlessly, judging the contestants on your own, or you could ask Farmer Fred, the local pig expert, who knows every pig’s family tree and favorite mud wallow. Choosing insurance is a lot like that—except instead of pigs, it’s insurance policies, and instead of Farmer Fred, you’ve got Wenatchee Insurance. And let me tell y’all , that is some agency.

1. The Rodeo of Choices: Who Ya Gonna Call?

Y’all ever tried to read an insurance policy? It’s like trying to decipher a cow’s moo—confusing and a bit messy. Deductibles, premiums, and coverage limits make it sound like some kind of wild rodeo. Don’t get lathered up, because Wenatchee Insurance is like the best rodeo clown in the barrel, keeping you safe from all those wild terms and dangerous clauses. They know how to wrangle the best policies and lasso the right coverage for your needs. You just sit back, sip your iced tea, and watch them work their magic.

2. The Bargain Barn: Getting the Best Deals

Remember that time you found a deal so good it made you holler louder than the old rooster at sunrise? Well, that’s what working with Wenatchee Insurance feels like. They know the tricks of the trade, negotiating like a pro at a livestock auction. They’ll haggle, barter, and charm their way to get you the best deal possible, leaving you like a grinning possum eating tater tot casserole. You won’t have to fork out an arm and a leg to get the most bang for your buck.

3. Custom Fit: No cookie-cutter policies at an Independent Agency.

Finding the right insurance on your own is like trying to find the perfect pair of cowboy boots in a pile of mismatched shoes at the second-hand store. Wenatchee Insurance is like your personal bootmaker, hand-crafting a policy that fits just right and doesn’t pinch your big toe. Whether you’re protecting your homestead from bears, your prized miniature donkey or your little red wagon, they’ve got a plan that’s as comfy as grandma’s feather bed. No more one-size-fits-all nonsense; they’ll get you something that suits your needs like a perfectly tailored pair of Levis jeans.

custom fit insurance policy from your independent insurance agency

4. The Human Touch: Good Ol’ Country Hospitality

At Wenatchee Insurance, they treat you like family—just like a good neighbor who brings over an apple pie when you’re feeling blue. Got a question? They’re there with a smile and an answer, not some fancy-pants automated machine that leaves you shouting, “Representative!” They’re the friendly face you want by your side when things go haywire. Whether you need help filing a claim or just want to chat about the latest in tractor insurance, they’re ready with a warm greeting and a helping hand.

5. Saving Time: More Than Just Money in the Bank at an independent agency

Time is precious, like a cold drink on a hot day. Don’t waste it poring over confusing documents and trying to figure out what the heck “subrogation” means. Let Wenatchee Insurance do the heavy lifting. They’ll sort through the policies faster than a New York minute. You get to spend your time on more important things, like perfecting your chili recipe or finally learning to play that guitar.

So, why would you saddle up and go it alone in the Wild West of insurance? With Wenatchee Insurance as your trusty sidekick, you’ll get the perfect policy, the best deals, and the kind of service that’s finer than frog hair. It’s like winning the blue ribbon at the county fair—except you don’t have to wrestle any pigs!

Home Health Medicare Car Dental Prescription insurance corndog

Topics: Progressive, Farm, Fire Insurance, Home Insurance, Hobby Farm, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,

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Five Things Original Medicare Does Not Cover

Posted on by Matt McColm
Medicare and Medicare Advantage help with suzie
Online, Phone or in person Suzie can help.

When it comes to health insurance for seniors, Original Medicare is a popular choice. Millions of Americans select it every year. It offers coverage for many essential health services. There are some gaps in coverage for Original Medicare that you need to be aware of.

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Here are five key things that Original Medicare does not cover and some examples to help illustrate these gaps.

1. Routine Dental Care

Dental Care is one of the top requested needs. This can surprise many who planned on relying only on Medicare alone for their health insurance needs. Original Medicare does not cover routine dental care, including cleanings, gum scrapings, crowns, fillings, and dentures. Suzie has several different Dental Plans to fill in the gap.

Example:
Imagine you’re 70-year-old retiree, Mrs. Johnson. You notice some discomfort in your mouth after eating some Quincy Corn and decide to visit your dentist. After the exam, the dentist tells you a filling fell out and the pain is from a root canal you need. This painful surprise is out of pocket because Original Medicare doesn’t cover dental.

2. Vision Care

Original Medicare covers eye exams for people with diabetes and annual glaucoma tests for high-risk patients.  It does not cover routine eye exams or hardware like glasses or contact lenses. Are you sensing a trend for medical coverage from the shoulders up?

Example:
Mr. Thompson, an 68-year-old retired teacher, starts having trouble reading the Wenatchee World. He schedules an eye exam at the Vision Center at Confluence and discovers he needs an updated prescription. Mr Thompson is paying out of pocket for the exam and glasses because these are not covered by original Medicare.

3. Hearing Aids and Exams

Hearing loss is common among seniors, but Original Medicare does not cover hearing aids or the exams needed to fit them.

4. Long-Term Care

Original Medicare does cover skilled nursing facility care, but only for a limited time and under specific conditions. It doesn’t cover custodial care, which includes help with daily activities like bathing, dressing, and eating if that’s the only care you need.

Example:
Imagine you are Mrs. Rivera, 82, and living alone while your kids are living in Montana. After a fall, you find it difficult to manage daily tasks like bathing and dressing. You need long-term care to help with these activities. Unfortunately, Original Medicare does not cover this type of care. This expense is going to add up quickly.

5. Overseas Health Care

Original Medicare generally does not cover health care when you travel outside the United States. This can be a significant concern for those who love to travel or have family abroad. We had to start using a travel insurance exchange to provide options.

Example:
Mr. and Mrs. Davis, a retired couple, decide to take a dream safari to Africa. While abroad, Mrs. Davis falls ill and needs medical treatment. Since Original Medicare doesn’t cover international medical care, they face hefty medical bills, adding stress to what should have been a relaxing trip.

Insurance review are important

Getting Help with Coverage Gaps

Navigating the complexities of Medicare and understanding what it does and does not cover can be overwhelming. This is where Suzie with Wenatchee Insurance comes in. Suzie helps clients understand their Medicare options and then finds solutions to cover the gaps left by Original Medicare.

Suzie can help you explore Medicare Advantage plans, which often include additional benefits. These plans might also provide some coverage for long-term care and overseas health care. Additionally, Suzie can guide you through supplemental insurance options, known as Medigap policies, which can help cover some of the out-of-pocket costs not covered by Original Medicare.

Conclusion

Don’t let coverage gaps surprise you reach out and have a chat with Suzie today and ensure you have comprehensive health coverage for all stages of life. While Original Medicare provides valuable coverage, it’s crucial to be aware that it has limitations.

Routine dental care, vision care, hearing aids, long-term care, and overseas travel health care are significant areas where coverage gaps can occur.

By understanding these gaps and seeking assistance from professionals like Suzie at Wenatchee Insurance, you can find the right coverages to meet your needs.

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health or medicare enrollment suzie makes it easier

Topics: Medicare, Original Medicare, Medicare Advantage, travel insurance, Cashmere, Wenatchee Insurance, Suzie, Enrollment, Glasses, Contacts, Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth

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Auto Insurance 101: Insurance Terms You Need to Know

Posted on by admin

At Wenatchee Insurance Agency in Wenatchee, WA, we believe consumers are entitled to know as much about their insurance policies as possible. This knowledge empowers you to make the best decisions to financially protect you and your family in the event of a car accident.

The world of auto insurance is laden with many technical terms that, let’s be honest, can be quite confusing. So, we’ve gathered a rundown of common terms you might encounter on your policy to help you better understand their meaning.

Liability Coverage

Liability coverage safeguards your finances in the event that you are found responsible for causing an accident. Without this protection, you may face lawsuits that could drain everything you’ve worked so hard for.

Collision Coverage

Collision coverage covers damage to your vehicle caused by a collision with another object or person. It pays up to the value of your vehicle minus the deductible.

Comprehensive Coverage

Also known as "other than collision" coverage, comprehensive coverage protects you from loss if your car suffers damage such as theft, vandalism, fire, flooding, collision with an object, or an animal accidentally running across the roadway. In essence, comprehensive coverage caters to a broad range of damages, minus the deductible, other than those resulting from a collision or circumstances mentioned in the policy conditions page.

Comprehensive and collision coverages are often called “full coverage insurance.”

Insurance Deductibles

An insurance deductible represents the amount you are obligated to pay out of pocket before your insurance policy comes into effect and you start paying for a covered claim. The deductible amount is at your discretion. However, remember that lower deductibles result in higher premium payments and vice versa.

Other Auto Insurance Terms

You may also encounter the term “gap insurance” on your policy. This term refers to the difference between your vehicle’s value and the amount you owe on it in the event of a total loss. Another term is the "declarations page". The declarations page outlines the essential details of your auto insurance policy, including your name, policy number, vehicle, validity dates, policy limits, and deductibles.

Questions or Concerns? Let Us Help!

Reviewing your insurance policy shouldn’t feel inscrutable or like reading a foreign language. At Wenatchee Insurance Agency in Wenatchee, WA, we are here to be your guides, helping you understand your policy’s details and choose the optimal coverage for your unique needs. Call us today at (509) 685-3325.

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Pre-Existing Conditions: Why Wenatchee Insurance Has Your Back!

Posted on by Matt McColm
Pre-Existing Conditions are not a part of Health Insurance

Hey there, health insurance researchers! Let’s cover a question that has been growing in popularity.— pre-existing conditions and insurance! 🛡️ At Wenatchee Insurance, we know that health journeys aren’t always linear, but with the right coverage, they can be a lot smoother!

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Imagine this: you’re exploring insurance options, and suddenly, the dreaded pre-existing conditions clause appears. The majority of pre-existing conditions ended when the Affordable Care Act Passed in 2010. There are a few places where they still exist. With Wenatchee Insurance, pre-existing conditions are not a barrier.

Are pre-existing conditions still a thing?

We must be aware of pre-existing conditions for travel policies, waiting periods for dental, enrolling to a Medicare Supplement outside your initial enrollment period, and Life Insurance. It is not a concern for Health Insurance like it used to be.

If you are looking at a health insurance plan that is talking about pre-existing conditions then you are not looking at a qualified health plan in Washington state. Health Insurance goes through an approval process to insure that it is usable. It is why we are very selective in the plans that we choose to represent. We are in business to serve our community.  

Insurance is about usable coverage and compassion. Like when your insurance agent at Wenatchee Insurance listens to your health story with the attentiveness of a bedtime storyteller. They’ll find a plan that not only covers your needs but also understands your journey, from battling allergies to conquering that old sports injury.

Need an example? Picture this: you’re at the doctor’s office, discussing treatment options for a chronic condition. With your insurance plan from Wenatchee Insurance, you’re not just receiving care—you’re receiving peace of mind. Because health isn’t just about check-ups and prescriptions—it’s about knowing that Wenatchee Insurance has your back, no matter where your health journey takes you!

Summary

So, whether you’re managing arthritis like a boss or tackling allergies with grace, let Wenatchee Insurance be your partner in health. Because with us, pre-existing conditions aren’t obstacles—they’re opportunities to show just how resilient you are!

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Topics: Pre-existing Conditions, Pre Existing, Health Insurance, ACA, Medicare, Medicare Supplement, Medicare Advantage, Enrollment, Glasses, Contacts, Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth

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How Can I Lower My Commercial Auto Insurance Premiums? Wenatchee Insurance Has the Answers!

Posted on by Matt McColm
personal car or commercial auto wenatchee insurance can help

Lowering your commercial auto insurance premiums is like finally reaching that itch you couldn’t scratch. Let’s dive into the tips and tricks that can help you save money while keeping your business progressing forward.

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Clean Driving Records: The A plus on your high school report card

Think of your driving record like your report card. The better it is, the happier your insurance company will be. If your employee, Larry, has a habit of speeding down Wenatchee Avenue, it’s time for a chat. Remind him to slow down and drive safely – it’s not a race to Plaza Wenatchee before they run out of Carne Asada!

Telematics Programs: The Tiny Coach in Your Vehicle

These little gadgets track driving habits and reward safe drivers with lower premiums. It’s like having a tiny coach riding along, cheering every time you avoid a sudden stop or a tight turn. Install one in each vehicle, and watch the savings roll in like tumbleweeds on the road to Quincy. Wenatchee Insurance provides telematics programs that are easy to implement and can provide real-time feedback to help your drivers stay safe and your premiums low.

Raise Your Deductibles: The Bigger Tank Approach

Higher deductibles can lower your premiums. Just make sure you have the funds for the deductible if something does happen. It’s like having a bigger gas tank, you fill up a few times a month but when you do, it takes more from your bank account. Wenatchee Insurance can help you find the perfect balance between deductible and premium, ensuring you’re comfortable with your coverage.

Bundle Your Policies: The Combo Meal of Insurance

If you’ve got general liability or property insurance, bundle them with your commercial auto policy. It’s like getting a cheeseburger and curly fry combo – everything together is cheaper than buying each item separately. Insurance companies prefer multi-policy accounts. Independent agencies like Wenatchee Insurance can offer a wide variety of bundling benefits.

what does commercial auto cover

Shop Around: The Farmers Market Approach

Wenatchee Insurance can shop around on your behalf, ensuring you get the best deal without the hassle. We compare rates from different insurers like you’re checking out apples at the farmer’s market. Each one might offer different discounts or better rates for the same coverage. As an independent agency, we have options.

Use Vehicles Wisely: Choose the Right Ride

The type of vehicle you use can impact your insurance rates. A shiny red, sports car used for pizza delivery is going to cost more to insure than a modest pickup truck. Evaluate your fleet with Wenatchee Insurance’s help to ensure you’re using the most cost-effective vehicles for your business needs.

Consistent Coverage: Avoid Lapses

Lapses in coverage can lead to higher premiums when you reapply. Keep your insurance active and consistent. Think of it as maintaining coverage like dating, what would you think if the person kept you waiting at the restaurant to show up? Wenatchee Insurance can set up automatic payments and reminders to ensure you never miss a due date, keeping your coverage uninterrupted.

Review and Adjust Annually: Stay Updated

Your business evolves and stays current with the times, and so should your insurance. Review your policies annually with Wenatchee Insurance to make sure you’re getting the best rates and coverage for your current needs. We are not using the same phones from ten years ago, why is your insurance different? These yearly checkups are important.

Reward Safe Drivers: Incentivize Good Behavior

Create a rewards program for your employees who maintain clean driving records. Gift cards, bonuses, or even a monthly “Safe Driver of the Month” parking spot can motivate your team to drive safely.

Consult an Expert: Wenatchee Insurance Is Here for You

Navigating the world of commercial auto insurance can be tricky, but you don’t have to do it alone. Shayla with Wenatchee Insurance can provide personalized advice and solutions tailored to your business. From initial quotes to ongoing support, they’re your partner in keeping insurance costs low and coverage high.

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So, next time you’re sipping a coffee from Little Red’s Espresso, think about these tips. Implementing them with the help of Wenatchee Insurance can transform your insurance experience from a daunting task to a smooth ride.

Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,

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Why Dental Insurance in Central Washington is a Must-Have

Posted on by Matt McColm
Dental Insurance with Suzie at Wenatchee Insurance

The Tooth, The Whole Tooth, and Nothing but the Tooth: Why Dental Insurance in Central Washington is a Must-Have: Washington is a Must-Have

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Let’s face it, folks—teeth are a big deal. They’re not just there to look pretty in an Instagram Selfie or to chomp down on a monster carrot like some wacky rabbit. Your teeth are a vital part of your overall health, and taking care of them is as essential as, say, breathing or finding out who gets eliminated on Survivor. But let’s be real: dental care can cost an arm and a leg (or should I say a molar and a canine?). That’s where dental insurance gives your dollars a Nitrous Boost. And who better to help navigate you through the different dental plans than Suzie with Wenatchee Insurance?

A Toothsome Tale: The Importance of Dental Insurance

Picture this: you’re munching on an ear of Quincy Corn and crack! Your tooth breaks. Panic sets in. You imagine living the rest of your life toothless, subsisting on mashed potatoes and smoothies. But wait! With dental insurance, you can call up your dentist, and get that chomper fixed, and get back to your crunchy snacks without a second breath. Dental insurance isn’t just about emergencies; it’s about prevention too. Regular check-ups, cleanings, and those pesky but necessary X-rays can all add up. With the right coverage, you’re not just saving money—you’re saving your teeth.

Why Suzie with Wenatchee Insurance for Dental Insurance?

Now, you might be wondering, why Suzie? What makes her the go-to gal for dental insurance in Central Washington? Well, let me break it down for you:

1. Expertise You Can Sink Your Teeth Into

Suzie isn’t just any insurance agent. She’s the queen of coverage, the Sultana of Smile, the Boss of Benefits. With her extensive knowledge, she can help you navigate the confusing world of dental plans. PPO, HMO, DHMO—Suzie knows all the acronyms and what they mean for your wallet and your teeth.

2. Local Wisdom

Suzie understands the unique needs of Central Washingtonians. Whether you’re in Wenatchee, Ellensburg, or Omak, she’s got the scoop on which plans are accepted by the best local dentists. You won’t be stuck driving miles away for a simple cleaning because Suzie ensures you get a plan that works where you live.

3. Personalized Service

Let’s be honest: calling a 1-800 number and talking to a scripted robot about your teeth or wanting braces isn’t exactly a cup of hot chocolate. Suzie offers personalized service whether it is over the phone or in our office at 413 N Mission, Wenatchee. She takes the time to understand your needs and finds a plan that’s as unique as your dental history.

The Suzie Difference

Suzie is committed to making sure you understand your dental insurance. She breaks it down into bite-sized pieces, and if you have questions she will circle back to answer them. No tooth emergency necessary.

Conclusion: Don’t Be Toothless in Central Washington

In conclusion, dental insurance is crucial in this picture-perfect world. It’s not just about avoiding those hefty dental bills; it’s about maintaining your overall health and well-being. And who better to help you find the dental plan than Suzie with Wenatchee Insurance? She’s knowledgeable, local, and committed to giving you the best service possible. Give her a call today and ensure that your teeth are in good hands. After all, a smile is the best thing you can wear in Central Washington!

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Topics: Health Insurance, Apple Health, Ambetter, Lifewise, Community Health Wenatchee Insurance, Delta, Dental Toothache, Braces, Suzie, Dentists Enrollment, Contacts, Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth

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What additional benefits do Medicare Advantage plans offer?

Posted on by Matt McColm
medicare advantage plans have extras

The Secret Perks of Medicare Advantage Plans: It’s Like Finding Extra Fries in Your Bag!

Who doesn’t love discovering extra fries at the bottom of their EZ’s bag? Medicare Advantage plans can be just like that—with extra perks you didn’t even know you could get. Who better to help you find these hidden gems than Suzie and Wenatchee Insurance?

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Vision, Dental, and Hearing: The Big Three Imagine going to your La Fuente for some Carne Asada, and they throw in free flan with your meal. Medicare Advantage plans can include vision, dental, and hearing benefits. That’s right! They help cover your eye exams, dental cleanings, and hearing aids. These added touches can make the difference from good to great.

Fitness Programs: Get Moving! Some plans can offer fitness programs. Think of it as your gym membership without the hefty price tag. You could be doing Zumba at the community center or swimming laps at the local pool—all included complementary to your plan. Who knew staying healthy could be this much fun?

Transportation Services: Ride On! Ever need a ride to the doctor’s office and wish you didn’t have to bother your neighbor? Medicare Advantage plans can offer transportation services. It’s like having your own taxi service, so you can sit back and relax on your way to appointments.

Over-the-Counter Allowances: Stock Up! Some plans give you allowances for over-the-counter items. Imagine walking into the local pharmacy and grabbing vitamins, pain relievers, or even Band-Aids without pulling out your wallet.

Why Wenatchee Insurance? Navigating these perks can be like hunting for Easter eggs. But with Wenatchee Insurance, you’ve got the ultimate guide. They know all the ins and outs of the local Medicare Advantage plans and can help you find one that offers the best extras for your lifestyle.

When you are ready. Suzie would love to help you navigate through available plans.

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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 difference between personal and commercial auto insurance?

Posted on by Matt McColm
commercial auto for big trucks or small cars
We love our farm trucks

Alright, let’s break this down with a story. Meet Sofia. She lives in Waterville and loves two things: her dog, Diego, and her food truck, “Sofia’s Snack Shack Supreme,” which serves the best Burritos north of the Rio Grande. Now, Sofia drives her personal Subaru to pick up Diego’s favorite treats at Firehouse Petshop and her food truck to cater events over in Chelan. She would need both personal and commercial auto insurance, but why?

Personal auto insurance is like your trusty sidekick for everyday life. It covers you when you’re driving to pick up groceries at Safeway or heading to Lincoln Rock State Park for a hike. It’s all about personal use – commuting, road trips, and family outings.

But when Sofia hops into her food truck to cater a wedding at Ohme Gardens, she’s in the realm of commercial auto insurance. This is because commercial auto insurance covers vehicles used for business purposes. Whether you’re transporting goods, driving clients, or in Sofia’s case, serving up those mouth-watering burritos, commercial auto insurance has your back.

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One day, Sofia’s food truck gets a dent while navigating the narrow streets of downtown Leavenworth. Because it happened during business hours while she was serving customers, her commercial auto insurance steps in. Her personal auto insurance would’ve thrown its hands up and said, “Not my job, no lettuce for you!”

Another difference? Liability limits. Commercial policies typically have higher liability limits because businesses face greater risks. If Sofia’s food truck accidentally bumps into the famous May Pole in Leavenworth, she’d need more coverage than if she just tapped a neighbor’s mailbox with her little Subaru.

Finally, let’s talk about employees. If Sofia hires a driver for her food truck, commercial auto insurance covers them too. Personal policies? Not so much. They’re like that one friend who never wants to share their fries – they only cover you and not anyone else driving your car for business.

So, next time you see Sofia cruising around in her Burrito truck, remember personal auto insurance is for personal rides, and commercial auto insurance is for business wheels. It’s the difference between a joyride and a job ride!

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simple process for insurance
Wenatchee Insurance simple process

Topics: Progressive, Commercial Auto, company car, collision coverage, collision coverage, delivery, Wenatchee Insurance, Chelan County, Grant County, Douglas County, Okanogan,

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