Health Insurance FAQs | Central Washington Insurance

What types of insurance coverage do you offer?
We offer a wide range of plans including Individual Health Insurance, Family Coverage, Medicare Advantage, Medicare Supplements, and Employer Group Plans. Each plan is tailored to meet different healthcare needs and budgets.
How do I know which plan is right for me?
Choosing a plan depends on your health needs, budget, preferred doctors, and prescription medications. Our licensed agents will walk you through your options and help you compare coverage so you can feel confident in your decision.
Can I keep my current doctor?
That depends on the plan’s network. Some plans offer broad provider networks, while others are more limited. We’ll help you check if your doctor is in-network before you enroll.
What if I already have coverage through work?
You may keep your employer’s plan, but depending on cost and coverage, an individual or Medicare plan could be a better fit. We’ll review your options so you don’t overpay for coverage you don’t use.
Do you charge for your services?
Our services are free for most clients. The only exception is for small employer groups with fewer than 10 employees, where we charge a modest fee to set up and service the plan.
When can I enroll in health insurance?
Individual/Family Plans: During Open Enrollment (usually Nov–Jan) or a Special Enrollment Period (triggered by events like job loss, marriage, or moving).
Medicare Plans: During your Initial Enrollment Period, the Annual Enrollment Period (Oct 15–Dec 7), or if you qualify for a Special Enrollment Period.
What’s the difference between Medicare Advantage and Medicare Supplement plans?
Medicare Advantage (Part C) combines hospital, medical, and often prescription drug coverage in one plan, usually with lower monthly premiums but network restrictions.
Medicare Supplement (Medigap) works with Original Medicare to cover out-of-pocket costs like copays and deductibles, offering more flexibility with providers.
Can I get coverage if I have a pre-existing condition?
Yes. Under current law, health insurance companies cannot deny coverage or charge higher premiums due to pre-existing conditions.
How do prescription drugs work with health insurance?
Most plans include prescription drug coverage. Each plan has a formulary (drug list) that shows which medications are covered and at what cost. We’ll review this with you to ensure your prescriptions are affordable.
How do I get started?
Simply contact us for a free consultation. We’ll ask a few questions about your needs, explain your options, and guide you through enrollment.
How do I know if I qualify for Cascade Benefits?
We will take anyone: Medicare, individuals, and group insurance.