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Health insurance is complex and often confusing. Suder Group will simplify the process! We represent multiple insurance companies for Medicare Supplement, Medicare Advantage, Individual and Family coverage. We can help determine if you qualify for a tax subsidy on the Washington Exchange. There is no charge to you for our services, we are paid a commission by the insurance company you choose.

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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!

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 loy@sudergroup.com. I’m happy to select the plan that will meet your unique needs.

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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.

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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.

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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.

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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.

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About

Selecting the right health insurance that will meet your individual needs can be a complex and confusing process. There are several health plans and each plan has multiple options to choose from. Before selecting a plan, it is important to identify and list your individual needs, including the specific physicians, hospitals and other providers that are important to you; if you take prescription drugs, how those costs will be covered; and what your total out of pocket costs may be to name a few. As an independent health insurance agent, I can help you narrow your options to select the best plan for you.

Locations

Suder Group, LLC

  • t 206-569-5415
  • Seattle, WA, 98117 47.60003320000001 -122.3335313

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