Washington State Healthcare Solutions

  It has been a great year as a Full Service Enrollment Center for the Washington Healthplanfinder .  there are 10 others spread across the state. A normal Open Enrollment runs from November 1 st through December 15 th . However, we have a bonus enrollment season. December 16, 2020 through January 15, 2021, you can enroll in a qualified health plan that starts February 1, 2021. Set an appointment or walk in . This is a great time to get a second set of expert eyes on a health plan if you need to make any changes. In our area, we have over 31 basic plans on the Healthplanfinder so you can miss details that impact how you use your insurance. You can roll into the pharmacy and fill a prescription that first week in January and discover that you were paying more for a prescription than you planned so make a change.   Eleven months of coverage beats no coverage until 2022. Normally, it takes a documented reason to get health insurance outside of the Open Enrollment ...

Here at t he Wenatchee Enrollment Center, we have been enrolling people like crazy With December 7th, the end of the annual enrollment period for Medicare, we are seeing a flood of people needing Medicare help. For our local customers is has been good to call a 509 number or walk into our office on Mission Street and get service.  Normally, I would say set an appointment using our Calendar. Appointment Calendar . During the time of Covid, we were prepared to help everyone remotely with phone calls and virtual meetings. We have been operating for years to help our people out in Okanogan, Stevens, and Ferry Counties this way. In some cases, the insurance companies were needing to catch up with us. A good example was being able to provide virtual seminars for Medicare Advantage plans. We also have people that need in person and we do those appointments as well. We have been masked up and providing hand sanitizer to clients since March when the first protocols for safer offices w...

 When Suzie is not talking about Medicare Advantage plans . She receives questions about Medicare Part D . Here are the stages that you may not know. The Deductible Stage : While some plans have a zero dollar deductible, the most an annual deductible will be is $445. You are responsible for 100% of your prescription drug costs until your deductible is met. The Initial Coveage : You pay a copay or coinsurance. Your Part D plan pays the rest for prescription drugs included in your plan's formulary.  The Coverage Gap : After you and your plan have together spent $4130 on prescription drugs then you enter the coverage gap or donut hole. You now pay 25% of the cost of your prescription drugs.  Catastrophic Coverage : When you have reached $6550 after your total out of pocket expenses on prescription drugs plus any discounts, you are back to small co-pays or coinsurance until the end of the year. Plan Year Resets : Everything resets January 1st and you return to the deductible...

In person or online, you can get assistance. Do I need to renew my Medicare Plan? When can I make changes? Now is the time to ask these questions. From Oct 15th through December 7th is the Medicare Annual Enrollment Period. You do not have to make changes to your plan during this time. However, you can and should review what you have and any updates to your healthcare plan. Here are some important things to understand. 1. If your health has changed since you selected your Part D Plan or Medicare Advantage, then this is an excellent time to switch plans to lower your healthcare cost. Depending on where you live, you may be able to move to a Medigap Plan.  2. Double check with your licensed insurance agent that your plan is not changing or leaving the area. This does happen and checking in with a local resource can reduce the chance of problems next year.  3. A plan that meets your medical needs moves into the area. Maybe, it gets you lower prescription rates at the pharma...