Skip to content
Click to Call
Wenatchee Insurance Agency

413 N Mission St
Wenatchee, WA 98801

Get Directions

Featured Insurance Blog

Category: Health Insurance

Can Dreamers get health insurance in Washington state?

Posted on by Matt McColm
Dreams immigrant health washington suzie wenatchee

Who are Dreamers?

Today, Suzie & Matt are going to talk about Dreamers. The Deferred Action for Childhood Arrivals. The program was designed to provide temporary relief from deportation and allow people to legally work. There is about 16,030 Dreamers are in Washington State and there are probably more waiting.

Dreamer is not an easy process to achieve. There is an injunction in Southern District Court that prevents confirmation of new filings.  There is about another 100,000 applications in process. If you have not applied and meet the guidelines then filing could benefit you down the road

The website for U.S. Citizenship and Immigration Services goes into the details for Dreamer Status and has an online filing process. While we don’t do that at Wenatchee Insurance, we can talk about the insurance.

Immigrant Health in Washington

The important thing going on is the shift in Health Insurance for Immigrants.

In November 2023, Wenatchee Insurance started enrolling people into healthcare regardless of Immigration status. It is a great program that with a state-secure application grants access to the Healthplanfinder, Health Insurance, and monthly cost savings with tax credits.   

This was the largest group of uninsured in the state. They didn’t have access to a large group plan from an employer. They are students, stay-at-home parents, or even worked small businesses. At Wenatchee Insurance, we have advocated for immigrants to be covered for over a decade.

immigrant health washington wenatchee insurance

On July 1st, 2023, the Healthcare Authority Authorized the first 10,000 immigrants into the Apple Health Program. Those who were enrolled in other immigrant health programs or enrolled with a current plan went first and were under 158% of the poverty level. Yes, this is the regular Apple Health program level. It allowed people to get medical treatment and the providers to get paid promptly.

The next big change Dreamers:

CMS made a Final Rule in May to the definition of “lawfully present” for those who qualify for a health plan.  

If you are a Dreamer or a DACA recipient and other newly eligible individuals you will qualify for a Special Enrollment on November 1st, 2024, and have a plan on the Healthplanfinder starting as early as December 1st.

This will provide Dreamers access to Federal Advanced Premium Tax Credits which will lower their Healthcare costs further. If you have a current plan and are only using the state credits, then the application will have to be adjusted.

If you do not have health insurance, then we want to run the application, and you can have Healthcare before Christmas of 2024.

Set an appointment early as the Health Open Enrollment runs from  November 1st through December 15th for plans that start January 1st, 2025.

There is an additional enrollment period of December 15 through January 15 for plans starting February 1st.

talk with Suzie

How Much Does Dental Insurance Cost in Washington?

Posted on by Matt McColm
Dental Insurance Wenatchee

Alright, let’s talk about the million-dollar question—well, hopefully not literally. “How much does dental insurance cost?” It’s a question that keeps people in North Central Washington up at night, somewhere between worrying about deer in Grandma’s flower garden and whether The Wild will have a winning hockey season. At Wenatchee Insurance, we get it.

First things first: the monthly premium. This is the amount you’ll pay each month, kind of like your subscription to that jam-of-the-month club. Except this time, it’s your teeth getting the care they need. Depending on your plan, premiums can range from about $15 to $75 a month. It’s like choosing between the extra-large caramel apple from the Grant County fair or just a bag of organic Fuji apples—both will cost you, but which one will make you feel better about your choice? Freedom is important.

Deductibles and Co-Pays

Next, we have deductibles and co-pays. If you’ve ever had to pay to park at Leavenworth during Oktoberfest, you know what these are. A deductible is what you have to pay out-of-pocket first before your insurance kicks in, and co-pays are the little bits you pay each time you visit the dentist. Imagine going to the local cider mill and having to pay a few bucks just to get in—that’s your co-pay. Most deductibles range from $50 to $150 annually, while co-pays can be $10 to $20 per visit for most plans.

Delta Dental has options.
October is when we can offer next year’s plans.

Funny Example

Take our pal Farmer Fred from East Wenatchee. Farmer Fred figured he’d save some dough by skipping dental insurance altogether. After all, how bad could it be? Well, that was before Farmer Fred’s epic caramel apple incident last Halloween. One crack of that candy-coated delight and Farmer Fred was down two teeth and up several thousand dollars in dental bills. Now, Farmer Fred’s a dental insurance convert, paying his monthly premiums like clockwork, and sticking to softer treats—like apple pie.

Major Work: Crowns, Implants, and More Dental Insurance

For major work, the cost can be higher. We’re talking crowns, root canals, and implants—like if you decided to replace your old beater with a brand-new truck. The insurance might cover 50% to 80% of the cost after your deductible, leaving you to pick up the rest. These are the services that often have waiting periods. But trust us, it’s a lot better than footing the entire bill yourself.

Protip: Be aware of plan dollar maximums per person per year. This is the amount that the insurance plan will help with before wandering off to the next year. Some plans have them and some do not.

While we do a lot online at Wenatchee Insurance, we especially like to go over coverage with clients. We have some new clients that want to shop by brand name not realizing there can be significant differences for each product. We have encountered people who didn’t realize they had current coverage and others who did not know there was an add-on available from their insurance plan.

talk to Suzie

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

Home Health Medicare Car Dental Prescription insurance corndog

What Is the Medicare Annual Enrollment Period (AEP)?

Posted on by Matt McColm
Medicare Annual Enrollment Period Suzie Wenatchee

The Medicare Annual Enrollment Period (AEP) is like the annual Wenatchee Apple Blossom Festival—it’s the time when everything’s buzzing with excitement, and you have a chance to make important decisions. From October 15 to December 7, this is your window to review and make changes to your Medicare Prescription or Medicare Advantage Plan for the following year.

Picture this: you’re strolling through Memorial Park with your churro, and Suzie from Wenatchee Insurance is there with a booth set up to help you navigate your Medicare options. Maybe last year, you opted for a Medicare Advantage plan that looked great, like the shiniest red car in the Classy Chassis.  But now, you realize you need a plan with more prescription drug coverage, kind of like realizing you should’ve brought sunscreen before you went to Memorial Park for the Gyros and Funnel Cakes.

Why is the Annual Enrollment Period important?

During AEP, Suzie can help you switch plans or make tweaks to your existing coverage. Insurance Companies will update current clients by mail and release plans for the following year in October. It’s like picking out the best apples from a fresh batch—you want to make sure you’re getting the best fit for your needs.

Do not let the Medicare Annual Enrollment Period pass by like a clown in the parade—stop by Suzie’s booth (or give her a call) and make sure you’re set up for a healthy, happy year ahead.

If your plan is leaving then you may have a Special Enrollment Period.

Suzie has been assisting people in Washington state for over a decade selecting Medicare Prescription and Medicare Advantage Plans. She has people selecting her months in advance for these updates. If you do not see her available then call and we will do our best for a personalized appointment.

chat with Suzie

Topics: health insurance, Medicare, Medicare Advantage, Suzie,  Chelan County, Okanogan, Grant County, Douglas County, 509, Leavenworth, Quincy, Cashmere, Entiat, Wenatchee Insurance,

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.  

Set Medicare Appointment with Suzie
Home Health Medicare Car Dental Prescription insurance corndog

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.

talk with Suzie

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.

talk with Suzie
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

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!

talk with Suzie

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!

talk with Suzie
health or medicare enrollment suzie makes it easier

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

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

chat with Suzie

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!

chat with Suzie

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

Insurance Bundle

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?

talk to Suzie

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.

talk to Suzie

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

How do I compare Medicare Part D plans in Eastern Washington?

Posted on by Matt McColm
Medicare Part D plans and Suzie from Wenatchee Insurance can help

Comparing Medicare Part D Plans: A Humorous Guide with Wenatchee Insurance

Picture this: you’re on a reality TV show called “Medicare Matchmaker,” hosted by none other than Wenatchee Insurance’s very own Suzie. She’s the perfect host, with a knack for making complex insurance terms as delightful as a game of charades. Your mission? To find the ideal Medicare Part D plan. Ready to play? Let’s dive into this hilarious yet informative adventure.

talk with Suzie

Round 1: The Introduction

Suzie: “Welcome to Medicare Matchmaker! Today, we’re comparing Part D plans, where finding the right fit is like choosing the perfect dance partner. Each plan has its own rhythm, and it’s our job to make sure you don’t end up with two left feet!”

Sample: “It’s like speed dating for your prescriptions. In one corner, we have the ‘No Deductible Dan’ plan, and in the other, ‘Low Premium Lucy.’ Who will sweep you off your feet?”

Round 2: The Quickstep – Monthly Premiums

First up, monthly premiums. Think of them as the cover charge to get into the dance hall. Some plans charge more, some less, and it all depends on how fancy you like your dance floor.

Suzie: “If you’re a frugal Fred or Frida, you might prefer a lower premium. But remember, cheaper isn’t always better. It’s about finding that sweet spot where cost meets coverage.”

Sample: “Imagine paying to get into a club only to find it’s karaoke night and not the salsa dance you hoped for. That’s what a low premium with poor coverage feels like.”

Round 3: The Tango – Deductibles

Next, we tackle deductibles. It’s the amount you pay before your plan starts to pitch in. High deductibles can feel like a long, slow tango, but for some, it’s worth the wait.

Suzie: “A high deductible plan might seem daunting, but if you’re not a frequent flyer at the pharmacy, it could save you money in the long run.”

Sample: “Think of it as a slow dance with a mysterious partner. The anticipation might just make the end result all the more rewarding.”

Round 4: The Waltz – Coverage and Formularies

Now, let’s waltz through coverage and formularies. Each plan has a list of covered drugs, known as a formulary. It’s crucial to ensure your medications are included.

Suzie: “Imagine showing up to the waltz in sneakers—just wrong. Similarly, the wrong plan might not cover your essential meds. Always check the formulary!”

Sample: “You wouldn’t wear a tutu to a tango, right? Matching your meds to the formulary is the same principle.”

Round 5: The Jive – Co-pays and Co-insurance

Next, co-pays and co-insurance. These are the out-of-pocket costs you’ll jive to when picking up your prescriptions.

Suzie: “Do you prefer a steady, predictable co-pay or are you a bit of a gambler, willing to jive with co-insurance? It’s all about your comfort with cost variability.”

Sample: “Co-pays are like knowing the DJ’s playlist in advance. Co-insurance? That’s like a surprise dance-off—exciting but unpredictable.”

Final Round: The Freestyle – Donut Hole

Ah, the infamous donut hole—a temporary limit on what the drug plan will cover. It’s a bit like the freestyle round—unexpected and sometimes tricky.

Suzie: “Navigating the donut hole can feel like doing the cha-cha on a minefield. But fear not, we’ll help you avoid the worst pitfalls.”

Sample: “The donut hole is that moment when the music stops, and you’re left wondering if you’ve been dancing to the wrong tune. But with the right plan, you’ll glide through it with ease.”

The Final Decision

After all the dances, it’s time to make your choice. Suzie wraps up the show with her signature flair.

Suzie: “Congratulations! You’ve compared premiums, deductibles, formularies, and more. With Wenatchee Insurance, you’re not just choosing a plan—you’re choosing peace of mind. Let’s make your Medicare Part D plan the best dance partner you’ve ever had!”

Sample: “Remember, the perfect plan is like the perfect dance partner—balanced, supportive, and in sync with your needs. With Wenatchee Insurance by your side, you’ll always be in step.”

And there you have it, folks! Comparing Medicare Part D plans doesn’t have to be a chore. With a little humor and a lot of expertise from Wenatchee Insurance, you’ll find the perfect plan that keeps you twirling through life with a smile.

talk with Suzie
Home Health Medicare Car Dental Prescription insurance corndog
Medicare plan 65 Wenatchee Advantage
health or medicare enrollment suzie makes it easier

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

Which Medicare Advantage plan network is for me?

Posted on by Matt McColm
Medicare plan 65 Wenatchee Advantage

Finding Your Medicare Advantage Network: It’s Like Picking your favorite Ice Cream Flavor!

Choosing a Medicare Advantage plan network can feel like deciding on the best ice cream flavor at the Owl Soda Fountain. But don’t worry! Suzie and Wenatchee Insurance is here to help you find the perfect match—no brain freeze included.

talk to Suzie

HMO vs. PPO: The Big Scoop First up, we’ve got the Health Maintenance Organization (HMO) plans. These are like sticking to your all-time favorite ice cream flavor. You’ve got to choose from a specific set of doctors and hospitals (your favorite ice cream parlor). But the upside? You know exactly what you’re getting, and it’s usually cheaper.

Preferred Provider Organization (PPO) plans are a bit more adventurous. They let you try different flavors from various parlors. It’s like getting a huckleberry shake from Not Dougs or headed to Coldstone in Leavenworth. Sure, you might pay a little more, but the freedom to explore is worth it if you’re the kind who likes to mix things up.

Wenatchee Insurance: Your Ice Cream Guide Wenatchee Insurance is like the friendly staff at the local ice cream shop who knows the top secret flavors. They’ll help you figure out if you’re more of an HMO or PPO person. Maybe you need to see a specialist in town, or you want the flexibility to travel and still get coverage. They’ve got the scoop on it all.

Local Flavor: The Farmer’s Market Example Think of HMO plans like sticking with your favorite vendor at the Wenatchee Farmer’s Market. You always buy your honey crisp apples from Royal Produce because they’re the best. PPO plans are like wandering around the Farmers’ market, trying different stands, and discovering new favorites. Both have their perks!

Why Networks Matter Choosing the right network is crucial because you don’t want to end up going to a doctor who’s out of your plan’s network. It’s like getting a surprise bill after indulging in the most expensive sundae. No one wants that!

Wenatchee Insurance to the Rescue! Suzie at Wenatchee Insurance knows all the local doctors and hospitals. They can tell you which plans your favorite specialists are in, so you don’t have to switch doctors and start from scratch. They’ll make sure your Medicare Advantage plan fits like a glove (or like a perfectly scooped cone).

So, whether you’re a loyal vanilla fan or you like to mix chocolate chip with rocky road, Wenatchee Insurance will help you find the Medicare Advantage network that’s just right for you. Because picking insurance shouldn’t be as stressful as picking a dessert!

talk to Suzie
Insurance Bundle

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

WE return calls & are here for appointments..OR you can start your free online quote now!

Compare Auto & Home Quotes
Suzie Health Solutions

Health & Medicare

For nearly a decade we have assisted with Health & Medicare Solutions. We are proud to be selected by the Washington Healthplanfinder to be one of ten Enrollment Centers located in Washington State.

We work with all ages and charge no fees.

Health & Medicare

Archives

Categories

Our Services

Servicing States

  • Washington

Testimonials

Partner Carriers

  • Allstate
  • Ambetter
  • American Collectors
  • American Modern
  • Bristol West
  • Burns & Wilcox
  • CHPW
  • Dairyland
  • Delta Dental
  • Encompass
  • Foremost
  • Guard
  • Hagerty
  • Humana
  • Lemonade
  • Liberty Mutual
  • Molina Healthcare
  • National General
  • Nationwide
  • Neptune Flood
  • Premera Blue Cross
  • Progressive
  • Propeller Bonds
  • Stillwater
  • The Hartford
  • Thimble
  • Travelers
  • Wellcare
  • Wright Flood
Wenatchee Insurance Agency

Wenatchee Insurance Agency | Website Development by EZLynx® • Copyright © 2024. All Rights Reserved.