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Posted by Suder Group, LLC

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!

This is the time to review your current Medicare coverage to make sure it is meeting your health care needs. There are a variety of Medicare Advantage, Medicare Supplement (Medigap) and Prescription Drug Plans to choose from. Independent health insurance agents are a good source to assist you in finding the best plan to meet your specific needs. Unlike agents who only represent one insurance company, independent agents represent multiple companies and can help guide you to the plans that will offer the best coverage for you. For assistance in King, Snohomish, Pierce, Island, Skagit and Whatcom counties. Click to contact Loy Suderman at Suder Group  

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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