Month: July 2025

Insurance Questions for Crop Insurance in Washington

Posted on by Matt McColm

At Wenatchee Insurance, we lend a hand to farms and orchards with a wide background. Insuring your family business can be tricky and adding crop insurance requires some skills. Some folks are looking for a Multi- Peril Crop Insurance where others are needing Whole Farm Revenue Protection. Living in the Apple Capital of the World, we have have run between the trees more than once.

We will ask questions so that we can get a better picture about your orchard or farm to make sure that you are not creating a coverage gap. For us, we believe that insurance should be:

  1. Affordable. If you can not pay for it then it doesn’t make sense.
  2. Understandable. This creates big problems if someone has something that they don’t know how it works.
  3. Useable. If an emergency arises then we want you to be able to use it.
crop insurance is important at Wenatchee Insurance

Crop insurance questions

  1. What is the address of your orchard or farm?
  2. What is the name of the orchard or farm?
  3. Who has an interest in the orchard beyond yourself?
  4. What is your and any other people with interest’s SSN?
  5. What is the business’ EIN (If individual SSN or RAN is fine)
  6. Are you leasing the orchard?
    • If so what is the % agreement?
  7. What fruit or crop are you growing?
  8. How many acres do you have of which crop?
  9. What are the last 5 years of production? We will need it by block if possible
    • If new farmer can you procure the previous farmer’s records?
  10. Are you tearing out any part of your orchard for next year? Or is there any new tree you think will produce this year?
  11. Anything you think I should know?

What’s next to insure your crops?

After collecting the information, we go looking for coverage that covers your needs. What works for Farmer Fred’s potatoes in Quincy may completely miss Oliver Pear Orchard in Cashmere. Not everyone needs or can get crop insurance. We do our best to be responsive whether it is you talking or if you are sending your spouse.

When you are ready let’s talk. We have found that a conversation is a great way to begin.

Talk with Shayla
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Insurance Questions for Retail business insurance in Washington

Posted on by Matt McColm
we support small business and equity

At Wenatchee Insurance, we lend a hand to business owners with a wide background. Business insurance can be tricky. Some are just starting their journey where some have been running their family business for five generations. We even got involved with lending a hand with assisting Enterprise For Equity to help people better insure their business.

We will ask questions so that we can get a better picture about your business to make sure that you are not creating a coverage gap. For us, we believe that insurance should be:

  1. Affordable. If you can not pay for it then it doesn’t make sense.
  2. Understandable. This creates big problems if someone has something that they don’t know how it works.
  3. Useable. If an emergency arises then we want you to be able to use it.
commercial auto wenatchee insurance or business insurance

Retail business insurance questions

1) What is the official name of your business?

2) What is the address where you operate? Is it online only home based?

3) Do you have a different mailing address? If so What?

4) What is a your business phone #?

5) How much do you think you’re going to be making this year?

6) Does anyone else own a stake in the business?

7) Do you use your car to make deliveries?

8) What is the product/s you sell?

9) How many employees will you have?

10) Are there any additional insureds? (Landlords/owners)

11) Anything you think I should know?

What’s next to insure your business?

After collecting the information, we go looking for a good insurance company that fits your business. Some insurance companies may charge more or even not cover something that you need. What works for Farmer Fred in Quincy may completely miss Oliver Orchard in Cashmere. Not everyone needs crop insurance. The old company that your grandfather used may not cover the drones that you are using today.

When you are ready let’s talk. We have found that a conversation is a great way to begin.

talk with Shayla
We make quotes easy
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Apple Health Dental changes can be scary if you don’t know.

Posted on by Matt McColm
Apple Health or medicaid is free health insurance

Yes there has been a big change to Apple Health in regards to Dental Care. Yes, we write a lot of dental Insurance at Wenatchee Insurance. As part of the budget the Adult and children’s Apple Health (Medicaid) dental rates are being reduced effective July 1st, 2025.

In our area we have a select few dentists and orthodontists that accept Apple Health. When our son needed braces, every six weeks we would make the drive from Wenatchee to Ellensburg so that he would have his teeth worked on. It took a lot of coordination between his pediatric dentist and the orthodontist to get the approval.

Where to find Apple Health Dental care?

OK, have you been to the Dentist Link Set up by the Healthcare Authority? It provides an excellent search tool to find a dentist accepting Apple Health Dental in your area. You can also call or test a referral specialist 844-888-5465 from 8 am to 4:30 pm on weekdays.

Adult Apple Health covers a lot of different things.

What does Apple Health Dental cover for adults?

If you have Apple Health as an adult it covers more than people think. Yes, it really does take care of fillings, front teeth root canals and dentures. There are some things that it doesn’t cover by it’s self like Dental Implants and Adult Orthodontics.

How do I enroll?

Suzie and Matt have been assisting people enroll for over a decade into Apple Health plans. We have never charged a fee and do not get paid for enrolling people in these plans. We do it because people in our community use healthcare and it is expensive to go without. There are no enrollment periods with Apple Health and it is based on our income level.

Children have expanded access to Apple Health using the Children’s Health Insurance Program (CHIP). Some will be zero cost or there will be a $20 or $30 monthly charge per child fee. We have a lot of families where the parents are on a paid health plan and the kids are on Apple Health. The important thing is that the family is being covered.

What happens if I am no longer eligible for Apple Health Dental

We have the conversation. We have access to several dental plans that a person can enroll year round. Some with waiting periods and some without. We even have plan that can assist adults with getting braces after a waiting period at Wenatchee Insurance. We make it as easy as possible to review your options.

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Enrollment Periods

There are times when it get’s incredibly busy for healthcare so you may have to wait a little bit longer in the Fall.

For Medicare the Annual Enrollment Period for Medicare Drug Plans and Medicare Advantage plans is October 15th through December 7th.

For Medicare’s Initial Enrollment it is three months before you turn 65, the month of your birthday and three months after.

For Healthcare the Open Enrollment Period is November 1st through December 15th. (some states may have an extension so do not hesitate to ask).

Yes, people set appointments early in the year for fall appointments to insure that they are able to have a conversation about the changes to their health plan.

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