Three Questions to Ask When Getting Health Insurance

Health insurance is an essential part of staying healthy. At Western Insurance Associates, servicing Spokane, WA, we’re committed to helping our customers find the right health insurance plan.

When you contact us to discuss health insurance, we’ll do our best to review the important details you need to know. But we always recommend asking your own questions to learn more about the insurance plan that you’re considering. Below are three smart questions for you to ask. 

1. Are my doctors covered by the plan?

If you already have doctors in your area and you’re considering a change of health insurance plans, it’s important to find out if the plan you’re considering buying covers your doctors.

Most health insurance plans primarily pay for services from doctors inside of a network. Finding a plan that encompasses the network you’re already in means less transition for you. 

2. Will my healthcare be affordable, given my current health status?

Whether you’re healthy or not, it’s important to know if the health plan you’re considering will be affordable, given how often you see the doctor. Take into consideration your current prescriptions, how often you visit the doctor, and for what purposes. 

3. Will my healthcare be affordable if my health status worsens?

If you should become sick or if your health status changes for the worse, it’s important to know whether you’ll continue to be able to afford your healthcare. 

At Western Insurance Associates, servicing Spokane, WA, we help our patients decide which health plans are best for them. We’ll answer your questions to ensure that your health plan is right for you. 

Does Everyone Need Health Insurance?

Health insurance has been a big point of debate for the last several years. With health insurance costs rising and plans generally hard to navigate, people are starting to wonder if they even need health insurance at all. At Western Insurance Associates, serving Spokane, WA, we are here to help you figure out these and other insurance questions. 

Does Everyone Need Health Insurance?

Everyone does not need the same type of health insurance, but to one degree or another, everyone should have some form of health insurance in place. This reason is that you can never predict the future. Even if you are healthy, you can never know when an accident will strike, which might rack up extreme medical bills. You also can never be sure when or if you might become ill in the future. This is why some form of health insurance is a good idea for everyone. 

What Type of Plan Do I Need?

Health insurance gets confusing because many different types of coverage plans are available. The reason there are different types of plans available is that different people have different health needs. The best way to figure out what you need will be to sit down with an insurance representative. These professionals know the ins and outs of different types of coverage. They can help you make this important decision. 

If you want to learn more about health insurance, please get in touch with us at Western Insurance Associates, serving Spokane, WA, and the surrounding areas. We will happily answer your questions and help you find the right policy for your needs. 

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.