Navigating the complex world of insurance can be frustrating. We're here to make it easy and be a resource you can depend on year after year.
are offered by Medicare-approved private companies that must follow rules set by Medicare. Most Medicare Advantage Plans include drug coverage (Part D). In many cases, you’ll need to use health care providers who participate in the plan’s network and service area for the lowest costs. These plans set a limit on what you’ll have to pay out-of-pocket each year for covered services, to help protect you from unexpected costs.
A Medicare Supplement (Medigap) insurance, sold by private companies, can help pay some of the health care costs that Original Medicare doesn't cover, like copayments, coinsurance, and deductibles.
It's no surprise that vision insurance is misunderstood by many people. Depending on the reason for the doctor visit – a routine exam or an eye injury – it’s not always clear which doctor to visit.
At its most basic level, vision insurance helps cover the cost of routine eye exams, contact lenses and glasses. Some vision plans also pay for corrective procedures such as laser eye surgery. Additionally, most plans include one pair of glasses or contacts a year.
Medicare Part D is the federal government's prescription drug program that covers both brand-name and generic prescription drugs at participating pharmacies in your area.
Dental coverage of some kind can help you ensure the health of your teeth and gums. Unfortunately, if you are bearing the full brunt of the cost of dental care you may find it difficult to pay your dentist bills. Without dental insurance coverage, you may be tempted to skip regular cleanings and checkups, a decision that could lead to serious dental health problems.
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I have lived in the Pacific Northwest all my life. In my "former life", I worked in 911/ Police and Fire Dispatch, and TSA. Looking back, I realize the "thread" running through it all is wanting to help people get the services they need with as little hassle/pain as possible!
When I decided to go into health & life insurance in 2020, that same thread is what drew me and gives me joy. I know that making the right choices for you and your family can be daunting. I am contracted with virtually all carriers in Washington and Idaho primarily but am also licensed in Texas.
Knowing the questions to ask and listening to your answers shows me where you need to be. Unlike the "hit and run" bad actors on TV or centers calling non-stop--I am your insurance resource all-year round.