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Covid 19 ( Corona Virus) and Medicare

We run Suzie Health Solutions in Wenatchee, WA. In addition to running the Full Service Enrollment Center for the Washington Healthplanfinder. We help people navigate through Medicare without charging fees and assist in filling in any coverage gaps. 

So far Centers for Centers for Medicare & Medicaid Services (CMS) has not opened a special enrollment with FEMA under the declared Emergency. But there are some special benefits going on for Medicare enrollees because of the Emergency Waver

As a result of the Covid- 19 outbreak, have you lost your group health insurance offered through your or your spouse's job? Are you age 65 or older? If so, you, or someone you know in the same situation, should enroll in Medicare coverage right away as you most likely qualify for a Special Enrollment Period.

If you already signed up for Medicare Part A (hospital insurance) while you were actively working, you’ll need to complete the following two forms and get them together to the nearest Social…
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COVID 19 Special Enrollment in Healthcare

Since we are a Full Service Enrollment Center, we work all year round in assisting people get healthcare. We do this with out charging a fee. There are eleven spread through out the state with different skills. The broker groups are able to fill in gaps and often are able to answer Life and Medicare questions. We happen to be in Wenatchee.

We keep track of what Covid 19 is doing at this site. The Washington State Department of Health is another great site. It literally tracks the resources needed to fight it and gives a good representation of infected and forecasted death rates. Yes, this is serious stuff in that we are looking at 1600 of our neighbors being killed by Covid 19.

Covid 19 has forced some businesses to remain open because they are essential.  If you need to report an non essential business breaking the law then here is the form. While some groups focus on helping small businesses during the crisis, or individuals. The first round of relief checks will be in a few weeks …

1095 Forms, Do I need to file my taxes?

Hey, this is the 3rd year that we have been the Full Services Enrollment Center for the Washington Healthplanfinder. We don't charge a bunch of fees and you get access to extra services. Since it is tax season then you should know we help with 1095 Forms! Yes, we will print one out for you at our office if we are connected to your account.

Tax season is officially from January 27th to April 15, 2020. If you receive tax credits or Washington Apple Health then you need to file your taxes with the IRS. If it is not filed or filed incorrectly then the Healthcare Authority can revoke the tax credits. Yes, I have heard from more than one person that thought that they were saving money by not filing which created massive problems. The worst problems that I heard was they went the next year without healthcare!

If you are a tax professional then let me know and I will add you to this list. A person can be a paid tax return preparer as long as they have an IRS Preparer Tax Identification N…

The gig economy and life insurance

Temporary work, contract jobs, seasonal jobs, freelance, piece work, driving for Uber, selling on Etsy, etc. The gig economy has been around for ever. Whether it is picking apples for the season, working the slopes at mission ridge, to being a contractor at a server farm it is easy to fall into a gig career path. About a third of the American workforce has found themselves bouncing from short term job to short term job. While the pay can be good temporary, what about the long term?

When was the last time that you met someone that retired after working from the same job for 40 years? On average, you will change jobs times 12 times in your lifetime. What happens if the next company doesn't offer a plan? We have seen companies terminate life insurance policies for retirees. Do really want to leave your family high and dry for a short term job?

What happens when you die? Your bills don't go away. A majority of adults say a funeral service helps in the grieving process. Young adul…

2020 Healthcare Open Enrollment and Low cost plans.

Open Enrollment is November 1st through December 15th. Outside of that time frame, it requires a special documented reason.

We have been helping people enroll into plans on the Washington Healthplanfinder with out charging fees since the first Open Enrollment. Insurance is expensive and complicated. Not everyone has been trained by the Insurance Companies how their plans function nor went through the education and licensing for a Insurance Producer in Washington State.

Just as last year, there are a lot of little or no cost plans available. When I say a lot I mean that the people in charge of (Centers for Medicare and Medicaid Services) put out a report stating 2/3 will be able to purchase a plan for $10 or less. An analysis Thursday from the consulting firm Avalere Health found that low-income residents in 96% of counties served by can find a basic "bronze" plan at no cost to them, factoring in subsidies. Bronze plans are skimpy, but experts sa…

ACA Sign Up Project

A couple of years ago, a group of individuals started the ACA Signup Project. I have helped out at Suzie Health Solutions and have been teaching and enrolling people in healthcare since 2013. There was a great concern that the incoming President would slash funds for the outreach and attempt to sabotage the Affordable Care Act which he campaigned against. Yes, he promised to "Repeal Obamacare from Day 1". Well it is still here and we are always looking forward to more friends joining the outreach effort. Here are some tools that will help.

In Washington State we have made some huge gains and we are working on making more. We are up to one in four people receiving their healthcare from the Washington Healthplanfinder. It is open year round for enrollment of people that are at 138% of poverty or affiliated with a Native American Tribe. Some of the rural counties of Eastern Washington, we are over 40% using the Healthplanfinder! You are also eligible for documented reasons suc…

Healthplan Finder and Brokers

Brokers have always been an important part of the Washington Healthplan Finder. We have education requirements from the state for our license. We receive regular training from the Exchange on how it functions. We receive training from Insurance Companies on how plans functions. It was no surprise that one of the first customer satisfaction survey's rated brokers extremely helpful to 80%  from people enrolling in qualified health plans.

The Washington State Auditor's office published it's Performance Audit in 2016 confirming the importance of selecting brokers. Right off the bat on page four, they mention shifting calls to brokers as being a possibility to reduce cost.  Brokers reduce cost by how they are paid. Brokers are paid by commission or charging fees receiving no payment for Medicaid. The exchange on the other hand pays for Navigators and the Call Center which drives up costs (page 28). Certain States improved their process such as Minnesota requires all insurance …