No one wants to pay more than they should for health insurance, especially since there are so many benefits available through federal government programs — but how do you know which one to choose? Just because you qualify for a lot of benefits doesn’t mean this information is easily made available to you. This is why so many people choose to speak to an agent who knows how to take advantage of the system and match them with the right plan. Like a good tax preparer, a professional insurance agent will make sure you will receive every single benefit you are entitled to.
How Do You Know If You Qualify?
Depending on your income, you can either qualify for Medicare Parts A and B, which is the same nationwide, or a Medicare Advantage plan, which is usually only available in specific regions and is provided by private companies. Contact your local agent to find out how to take advantage of Medicare in Washington State. Medicare by itself does not cover all health expenses so it is important to be aware of other plans that will subsidize your costs according to your needs. For example, many Part D plans cover prescription drug costs.
Choosing Which Medicare Benefits Apply to You
Many residents near Spokane may qualify for a number of individual Medicare health and dental plans right in the area. Insuring your children and dependents is easy — either add them under separate individual plans or ask your insurance agent for more information on how to include your family in a group plan. If your application is ever denied by a commercial health coverage provider, you might be eligible for the Washington State Health Insurance Pool, or WSHIP, which provides coverage to residents with “pre-existing conditions” or who otherwise cannot obtain commercial coverage.
How Much Does an Agent Cost?
Remember, buying insurance, especially Medicare, through an agent should be at no additional cost to you. The whole point of finding the right government benefits is to save money. Medicare benefits are for those who cannot afford enormous premiums coupled with all the out-of-pocket costs. Agents know this and only take their commissions from insurance companies. Plus you can always get a second opinion. Talk to different agents and discover for yourself which ones know what’s best for you and your family.
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