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Healthcare the First Open Enrollment and beyond.

What were you doing August 08, 2013? I was driving a couple of hundred miles to Olympia to test the Washington Healthplan Finder. There were four brokers in the room. As we walked through it, we built a list of questions/problems to help the exchange get better. The biggest shocker was what we were expected to do for free. Before the ACA brokers received payment for helping people enroll in Medicaid. Most people can't imagine getting paid for 1/4 of their work but it is how we keep our doors open.  I think I am the only one left writing individual healthcare. The only other one that is in the business in Tacoma does mostly large business solutions. 
Pre ACA Problems





The early days were wild. I had to create flyers from next to nothing. We did our best to go out and educate the public from radio interviews at KPQ in Wenatchee to Front page in the Wenatchee World. We did classes at the local YMCA , libraries and Rotary Clubs. Honestly, the worst experience was at my own club where another club's President attacked the ACA politically.
2013 Flyers
The ACA brought me into politics. I had a conservative background and when a client asked me how it was going to effect them I had to step back and look at the program. The cost of healthcare was increasing since 1998 and people were paying more out of pocket. The rural hospitals were closing because they were not being paid. People were not getting helped when they got sick or when they went to the doctor couldn't pay for the medicine. When I looked at it, as it was written the ACA honestly took the steps to correct those problems. I have to say as written because I have seen a lot of the sabotage needlessly hurt a lot of Americans. 

At Suzie Health Solutions, we had an understanding that the need to simplify healthcare was a necessity. I wouldn't write Health Insurance before the Affordable Care Act. There was too many dirty tricks. I have never been one to tell a person that what they were depending on has been canceled because they used it. Health Insurance was a necessary evil because we are all born lucky, healthy and move away from it as we age. The ACA made insurance companies behave in an ethical manner and I like that.  

Education Everywhere
YWCA Fund Raising
Oct 1, 2013 and the Healthplan finder crashed. I had to call my contacts at the Exchange and get them to send me emails with the paper forms.  I did three hand written policies, the first day. With my experience with Life Insurance, it was no big deal to adapt and overcome the difficulties. My clients were going to get their healthcare despite any technical problems. I made the front page of the paper only to have the reporter screamed at by old health insurance agents. 

First Front Page Wenatchee World
During Open Enrollment, I reached out to everyone that I could using Facebook. My old account was erased by Farmers during a spat so we did another a few years later. I had clients from Forks to Spokane with all lot of towns in between. The furthest call that I got was from a satellite phone in the Bering Sea to take care of a fisherman's family after an internet broker failed horribly and abandoned them. 

By the time it was done, I was awarded as a Top Producer in Eastern Washington. That was the first year. I have seen the ups and downs and continue to work on improving healthcare for my clients. My wife joined and started helping people. We had to start helping people with Medicare. We added a Life Insurance Exchange. We have been a Full Service Enrollment Center for 2 years and a Storefront for the Healthplan Finder because helping people is what we have always done. 

My biggest piece of advice is to always select a no charge broker! We are trained by the companies to understand the insurance plans. If you pick the right one then you have help through out the year if anything goes sideways. If there is any commission then they are paid that way. If there is any problem then you have access to a highly trained customer service person. It takes two minutes of the application and it solves a huge amount of headaches. Just today, I was looking up a policy number and see if they paid before they received their Insurance Cards. Only an broker attached to the account can do that. So select a broker.



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Enrollment Centers in Washington State are unique as people are able to get help with out extra charges.



We provide Statewide help for the Washington Health Benefits Exchange. Consumers get no cost help in selecting and enrolling in health and dental plans through the Washington Healthplanfinder. There is wi-fi available. 

As a bonus, the broker partners may provide additional assistance with additional insurance products such as Medicare, Supplemental and Life Insurance products so ask. At Wenatchee, we upload documents, notarize and do our best to assist our clients in effectively using healthcare.




Broker Affiliated Enrollment Centers

Wenatchee
Suzie Health Insurance
1630 N. Wenatchee Avenue, Ste. 18, Wenatchee, WA 98801
1-509-293-9051
Schedule an appointment
info@wahbroker.org

Bellingham
Rice Insurance
1400 Broadway Street, Bellingham, WA 98225
1-360-734-1161
keith@riceinsurance.com

Kennewick
The Advisor Benefits Group
5101 W. Clearwater Avenue, Ste. 100, Kennewick, WA 99336
1-509-582-3…

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 Healthcare.com (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 HealthCare.gov can find a basic "bronze" plan at no cost to them, factoring in subsidies. Bronze plans are skimpy, but experts sa…

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…