Why can't I buy Health Insurance anytime I want? View the Article Here

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Why can’t I buy Health Insurance anytime I want?

August 16, 2016 9:05 am Published by Leave your thoughts

We received a call today from someone looking to buy health insurance right now.  They had individual health insurance and let it cancel for nonpayment several months ago.  Here is why they cannot sign up for health insurance now. The Affordable Care Act established enrollment times when someone can sign up for health insurance.  (Annual Open Enrollment and Special Enrollment Periods) Since we are not in Annual Open Enrollment, you must have a Special Enrollment Period qualifying event.  Letting existing...


July 28, 2016 11:31 am Published by Leave your thoughts

Premera Blue Cross recently announced a major change coming in its in-network providers. Will you be affected? Read about the change and what you can do. Change is brewing, and it comes in the form of Premera Blue Cross. As of January 1, 2017, Premera Blue Cross will no longer support Providence Health & Services as in-network providers. As the Northwest’s largest insurance provider, Premera’s move is significant: thousands will inevitably be affected. Providence comprises significant healthcare across the Northwest,...

Prescriptions are Not for Medication Only

July 21, 2016 11:32 am Published by Leave your thoughts

Prescriptions are no longer limited to medication – in today’s ever-changing insurance world, you may need a prescription for a service, too. It’s a journey I just experienced myself: One round of Capture the Flag and my daughter now needs a physical therapist. The answer? Despite being on a PPO medical plan, the insurance carrier wants a “plan of care” in place, plus a prescription written for that plan. Thus, we need a prescription – not a referral. No longer...

Critical Illness – How are you prepared to live?

March 19, 2013 5:10 pm Published by Leave your thoughts

After having a conversation with a colleague this past week – where we dove in to the necessity of critical illness insurance – for most of us, we know this kind of insurance as cancer, accident, heart attack, hospital income, and even disability insurance – we debated how far the market has evolved – and then the poor joke of “heaven help us – we lived”. Just how we are surviving/living is the issue. I deal with many clients who are going on the...

Health Insurance for children open enrollment begins in WA State

March 15, 2013 4:24 pm Published by Leave your thoughts

March 15th to April 30th is open enrollment for children in the individual and family health insurance market.  During this time you can add children to your health plan, buy them their own health plan, or switch health plans.   Now is the time to make your changes.  For more info on this, please visit the WA State Insurance Commissioners website www.insurance.wa.gov   or give a local agent an opportunity to help you.

How do I choose a health insurance policy?

March 11, 2013 4:01 pm Published by Leave your thoughts

When it comes to Health Insurance, I think we have all known someone who was confused and frustrated and decided to “just pick something” and hope it works out.  The world of health insurance lends itself to this, but it doesn’t have to.  Here are some basic rules to help you get started when choosing the right health insurance plan: Make a list of your doctors Make a list of your prescriptions Make a list of the services you cannot...

Change your kids health insurance during open enrollment time – Happening right now!

September 18, 2011 8:18 pm Published by Leave your thoughts

It’s Open Enrollment Time!  In Washington State, beginning on 9/15/11 and ending on 10/31/2011, you can buy or change health insurance for kids under 19 in the private, individual health insurance market. It’s a big deal.   Right now you have choice for your kids health insurance.  The insurance carriers can’t deny them insurance or apply a pre-existing insurance clause to them because of medical history.  Basically, there are no health questions asked, they will accept your children for health insurance when you complete an application and...

Why do I need Life Insurance?

January 6, 2011 5:47 pm Published by Leave your thoughts

It is the only insurance you are guaranteed to use.    Imagine your spouse/parents/partners/children receiving an envelope when you die.  Does the envelope contain the life insurance death benefit that is going to help them get through the entire process of dealing with your death and all of the financial responsibilities you created?   Or instead, without life insurance,  is the envelope empty?   Where do they begin?  Life Insurance will provide them with the primary financial tool to begin...

Are the eligibility requirements for group health insurance changing?

January 6, 2011 5:38 pm Published by Leave your thoughts

Yes!  October 1, 2010, in Washington State, one of the biggest criteria to qualify for a group health insurance plan changes from a minimum of two individuals to one.   This change is incredibly positive and you have to ask yourself:   How often does this happen in the health insurance arena!   For an individual business owner, like myself, this is a tremendous option and one that has me very happy.  I will now be able to move from an individual...


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