Local Community Posts Seattle, WA (zoom)

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.

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.

For those of you 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. A variety of new benefits have been added to Medicare Advantage plans such as hearing aids, travel to doctor appointments, meals after a hospital discharge, naturopathy/acupuncture and more; not all plans have added the same features. There are also some changes in premium and per service copays, depending on the plan you are on and the specific benefit. 

When reviewing your current coverage or selecting a new plan, there are several factors to consider, such as provider network, pharmacy coverage (is your specific medication included in the plan formulary), out of pocket costs and limitations, premium and the service area, just to name a few. 

I am a licensed agent, certified with several health plans representing multiple Medicare Advantage, Medicare Supplement and Part D Prescription Drug Plans in Washington and I can help you find the 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.

Visit beautiful Whidbey Island during the annual Working Artists Tour at the end of this month. Click "See More" below to read the Whidbey Life Magazine article

The Stanwood-Camano Community Fair runs the first weekend in August each year and it is the Largest Community Fair in Washington State. Click the "Website" button below to to learn more about this great event from the Stanwood-Camano Community Fair website .

There is a lot going on in Whidbey Island this summer. Click the "Calendar" button below to see Whidbey Life Magazine's Event Calendar