Why Health Insurance Can Help Improve Your Living Conditions

Western Insurance Associates offers coverage to the Spokane, WA community, as well as the surrounding areas. We want to make sure that your assets are protected regardless of the risks that life throws your way. We have working relationships with over 50 companies across the Pacific Northwest. We offer our clients unique and flexible policies.

Why Health Insurance Can Help Improve Your Living Conditions

Health insurance can help you maintain a high quality of life. The policy covers you if you need urgent medical assistance. If you are admitted to the hospital, your care and recovery will be covered through your policy. Here is a look at a few other ways that health insurance can help you improve your living conditions.

Preventative Care

Health insurance covers your preventative care. That means any of your yearly checkups in Spokane WA: your physical, dental, and eye exams. It’s important to have these exams every year so that your doctor can make sure that everything is ok. Without having your exams every year, you may not be aware if something is wrong. Having health insurance ensures that scheduling your exams should be stress-free.

Medication Is Covered

If you suffer an injury, or you aren’t feeling well, it’s possible that your doctor may recommend that you take some medicine to help feel better. Health insurance covers your medication. That way, all you have to do is focus on getting better.

Maternal Care

If you recently had a child, health insurance will cover you during one of the most important times in your life. Health insurance covers you through the delivery and post-delivery process. As your child grows, their care is also covered under your policy.

Western Insurance Associates Will Help You Find The Right Policy

Visit our website to learn more information about health insurance.  

Most Common Myths About Commercial Insurance

As a business owner, you have to wear many hats to make sure that your business runs efficiently and smoothly. And that includes protecting your business and your employees against damages and losses. However, when you are shopping for commercial insurance, it is important to be aware of the misconceptions about it that can cloud your judgment when making an important decision. Western Insurance Associates serving Spokane, WA has prepared the list of myths about commercial insurance that need to be debunked: 

It Is Not Necessary To Have Commercial Insurance For A Home-Based Business 

Many people mistakenly believe that if they have a home office, their business and its contents will be covered by standard home insurance. However, the truth is that anything pertaining to your business requires additional coverage. 

General Liability Will Cover All Possible Risks

Unfortunately, general liability insurance is not a one-size-fits-all solution for all risks related to business operations. Even though it provides comprehensive coverage, it cannot protect your business from every single claim. 

Commercial Insurance Will Cover Damages Caused By Flooding

Another common misconception is that commercial insurance protects businesses against damages due to flooding. However, in reality, business insurance does not always cover this type of damages, and you may have to get a separate flood insurance policy. 

Commercial insurance is more than just another type of insurance – it is a guarantee that your business, employees, and you, as a business owner, are protected against different risks, including cyberattacks, fires, lawsuits, and others. If you are currently shopping for commercial insurance and looking for a trustworthy insurance agency, Western Insurance Associates serving the clients from Spokane, WA, and other surrounding areas is ready to help you. Do not hesitate to give us a call and talk to one of our agents. 

A Guide To Help Washington Residents Find The Right Condo Insurance

Western Insurance Associates assists the Spokane, WA community, as well as the surrounding areas through offering multiple insurance policies. We strive to help all of our clients find the insurance coverage that they need to enjoy their lifestyle. It’s important to use that you are protected whenever something happens that you did not plan for.

Condo Insurance

Several stunning condo projects have been built throughout the Pacific Northwest, especially in Spokane, WA. If you are preparing to move into one of these luxurious new condos, it’s important that you have protection. Condo insurance allows you to move into your unit with the comfort that everything is secure.

The policy helps cover you in the event that your unit is damaged due to a natural disaster. You will have security in the event that you have to replace your cabinets or flooring. You can also amend your policy to include liability coverage so that you will be protected in the event that someone is injured while visiting your condo unit.

All of your personal possessions are covered in the event that they are stolen or vandalized. The policy will help alleviate some of the stress that you may feel as you think about how you are going to replace some of your valuables. In the event that your unit suffers severe damage, you’ll be covered if you are obligated to seek lodging elsewhere while your unit is repaired. While you are researching different condo insurance policies, consider taking inventory of your possessions and having them appraised. This will help you determine the true value of your belongings.

Western Insurance Associates Will Guide You Through The Process

Visit our website today to learn more information about how we can assist you.

As a young healthy person, do I need health insurance?

Many young people feel that health insurance is something you need, only if you are unhealthy or older. However, nothing could be further from the truth. Unexpected incidents can happen to anyone of any age and health status. Beyond that, regular check-ups are preventative measures that can go a long way when it comes to keeping people healthy. Health insurance is beneficial in any number of health-related situations, for both treatment of a health issue as well as prevention.

No Health Insurance…What Does This Mean?

No health insurance means that you are responsible for funding one hundred percent of all your health care, be it preventative, treatment-related, or emergencies. You have to have the money to take care if anticipated health expenses as well as emergencies. Most of us don’t have the funds to do this, particularly when we are young. Western Insurance Associates of Spokane, WA understand that even young people can benefit greatly form health insurance. Many young people are just starting and are often still students and very new to their careers. This usually translates into little money or an income that falls more on the modest side. As a result, those routine dental visits or yearly checks up can be pricey and out of range for a young person without health insurance. Even a broken leg from that skiing vacation with friends in Cancun can prove astronomically hard on the pockets. Health insurance makes healthcare more affordable or everyone, even the young. It’s a struggle to pay for a hundred percent of all your healthcare needs…it often the difference between going without care at all or visiting the emergency room for problems that a doctor’s visit could take care of. Give us a call. We’re committed to helping young people understand and navigate health insurance. We can’t wait to answer your questions.