If you missed open enrollment for Individuals and Families for a January 1 coverage start date, you still have time to get coverage in place for February 1st. Washington State has extended open enrollment to January 15th for those who missed the December 15th deadline. January 15th is the absolute deadline unless you qualify for a Special Enrollment Period. If you need help and advice, contact an expert - Call Loy at 206-569-5415 or email Loy@Sudergroup.com. Get the help you need!
Loy Suderman started Suder Group with the goal of helping people get the health insurance that will best meet their specific needs. She has worked in the health insurance industry for many years. If you need an experienced health insurance agent who is compassionate and committed to helping you find and enroll in the right plan, Loy Suderman is the agent to contact.
Loy represents multiple health insurance companies for Medicare and Individual/Family coverage and can help you narrow your options to select and enroll in the best plan for you.
Before selecting a plan, it is important to identify and list what is most important to you: specific physicians, hospitals and other providers; prescription drugs; coverage when you travel; and premium and out of pocket costs.
Medicare Advantage plans, also known as Medicare Part C, replace Medicare Part A and Part B coverage, and usually include coverage for prescription drugs, known as Part D coverage. Some plans have $0 (zero) premium and richer benefit plans will cost you a little more. Finding the right plan to fit your lifestyle is very important. Every year new plans are introduced and changes are made to existing plans. Even if you are happy with your current plan, it is a good idea to review your plan to assure it meets your needs:
Is your health care provider and hospital in the network?
Does the plan cover your prescription drugs?
Do you have coverage when you travel?
Are other important benefits covered?
Does the plan fit your budget in terms of premium and out of pocket costs?
Let's face it, no two people and no two families are alike, which is why the buying process to find the right health insurance can be confusing and overwhelming. Every year benefit levels change, the lists of In Network providers change, deductibles and co-insurance levels change, service areas change..... - it's hard to keep up!
There is no one size fits all type of coverage. Health insurance is as unique as you are, and finding the right plan to fit your needs, your lifestyle and your budget can be time consuming and frustrating..... You have better things to do!
At Suder Group, not only do we keep up-to-date on health insurance laws and the ever changing nuances in health plan options, we know what questions to ask you so we can help you identify the coverage that will meet your unique needs.
As licensed agents, we represent multiple major health insurance companies in Washington and our goal is to help you find the plan that is right for you.
Our services are free to you - we earn commissions from the health insurance company you choose.
Why working with an independent agent is in your best interest
You are our number one priority - we focus on finding the best coverage for you. We represent multiple companies and options.
We complete rigorous training and certification annually; we are knowledgeable about changes and new plan offerings.
We follow your application through to completion.
We are available to answer your coverage questions and explain any terms you don't understand.
We keep you informed of changes in the industry that may affect you.
We earn commissions from the health insurance plans we represent, we do not charge you for our services.
ABOUT SUDER GROUP
Suder Group is owned and operated by Loy Suderman, a health insurance professional who has managed a variety of functional areas within health insurance companies in WA. Loy has deep knowledge of how insurance companies work and how to resolve problems, should they arise. Loy recognized that with the Accountable Care Act, health insurance was getting more, not less, complicated for the average person to understand. She founded Suder Group to help individuals, families and those who qualify for Medicare navigate the complex system and find health insurance to meet their specific needs. As licensed agents in WA State, we complete rigorous training and annual certification with several health insurance companies to sell their products. There is no one size fits all, and we will help you find the best coverage to meet your unique needs.
New to Medicare?
Medicare can be confusing for many people – for instance, often people do not realize that Original Medicare does not cover all of their medical expenses - there are out of pocket costs that can really add up with deductibles, copays and coinsurance. There are a variety of plans available to help protect you from these costs, including Medicare Supplement (Medigap) or Medicare Advantage plans. And, you need to purchase Part D prescription drug coverage to avoid paying a penalty later on.
If you are approaching your 65th birthday, it is very likely you have been receiving information from a variety of health insurance companies about their plans – understanding the differences can be a challenge, there are so many options to choose from and there is no one size fits all.
As an independent health insurance agent, I represent several Medicare plans and I can help you understand your options so you can find the coverage that is right for you. You are not charged a fee to work with an independent agent; I earn commissions from the insurance companies and my goal is to help you find the plan that best meets your needs.
Before I or any agent can work with you, you must have your Medicare card that indicates the effective date of your Hospital (Part A) and Medical (Part B) enrollment. There are three ways you can enroll:
• By Phone: Call Social Security toll-free at 1-800-772-1213 (TTY 1-800-325-0778).
• In Person: Take proof of your age and W-2 forms for the past two years to any Social Security office. Your local phone directory will list the office location nearest you.
• Online: Apply online at www.ssa.gov.
If you have questions, or if I can be of assistance to you, please call me at (206)569-5415 or send me an email to email@example.com. I’m happy to select the plan that will meet your unique needs.
However, time is running out quickly. January 31st is the final deadline to get coverage and avoid a tax penalty on your 2016 taxes. There are many good options available for people who want to purchase directly with a health plan and for those who qualify for a tax credit on the Exchange. Let's face it, finding the right insurance is a confusing and sometimes frustrating experience. I will help simplify the process for you. I've helped a lot of people find coverage that will meet their specific needs and I can help you too! Call (206)569-5415 today and I'll help you check off one more item from your January "To Do" list.
Selecting the right health insurance plan for you and your family is a time consuming and overwhelming process. The terminology is confusing and there are so many options - it's hard to know which one is right for you.
We can help simplify the process! We work with our clients to understand their specific needs. We help you identify the plans that will be the best fit for you and/or your family and provide you with a custom quote. We represent multiple health insurance companies in WA and earn commissions from the plan you choose. There is no charge to you for using our services.
The penalty for not having health insurance is going up in 2016. Open enrollment, from November 1st - January 31st is your window of opportunity to get enrolled or change plans.
Call 206-569-5415 to get help understanding your options and completing the enrollment process.
If you are on Medicare, now is the time to review your current coverage and the new plan options to make sure you enroll in the best plan for you. There are lots of things to consider when selecting a plan, such as provider network, pharmacy coverage, benefit levels, premium and service area, just to name a few. I am a licensed agent, certified with several health plans in Washington and I can help you find the Medicare Advantage or Medicare Supplement plan that best fits your unique needs.
Have you had a life changing event such as a birth, getting married or divorced, or losing employer group coverage? If so, you may qualify for getting coverage now, before open enrollment for 2016 starts.
Are you newly qualified for Medicare because you are nearing age 65 or you qualify due to a disability? If so, now is the time to review your options and select a plan for Medicare Advantage, Medicare Supplement or Medicare Part D plan that will meet your needs.
I consult with each of my clients to understand what is most important to them when it comes to purchasing health insurance. I represent multiple health insurance companies and I can help you find coverage that will meet your unique circumstances.
Washington State has extended the open enrollment period until April 17th for individuals who did not understand the increased tax penalty for 2015. If you or someone you know needs help in selecting a plan on the WA State Exchange, wahealthplanfinder.org, I can help you find an insurance plan that meets your needs.
If you do not have health insurance, there is still time to sign up for coverage. Open enrollment ends on February 15, 2015.
If you need assistance, I can help you find a plan to meet your needs and get enrolled, either on the Washington State Exchange or directly with a health insurance company.
Important information you should know about the income tax penalty:
If you don’t have coverage in 2015, you’ll pay the higher of these two amounts:
•2% of your yearly household income. (Only the amount of income above the tax filing threshold, about $10,000 for an individual, is used to calculate the penalty.) The maximum penalty is the national average premium for a bronze plan.
•$325 per person for the year ($162.50 per child under 18). The maximum penalty per family using this method is $975.
If you have questions or would like assistance, please call Loy Suderman at (206)569-5415.
There are several new Medicare Advantage options available to Medicare enrollees. The Annual Election Period ends on December 7th. Now is the time to review your options and select the Medicare Advantage or Medicare Supplement plan that is right for you.
Loy Suderman is an independent agent and represents several health plans. She can help you find the plan to suit your health care needs, your provider preference and meet your budget. Please call to schedule an appointment today.
Suder Group, LLC
- t 206-569-5415
- Stanwood, WA, 98292 48.1668833 -122.3575778
- t 206-569-5415
- Seattle, WA, 98117 47.6000456 -122.3335314
- t 206-569-5415
- Camano, WA, 98282 48.2499256 -122.529713
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