Navigating healthcare in Washington State is confusing but if you’re looking for supplemental health insurance and are under the age of 65 years than it’s even a bit more challenging. A great place to start is to answer a question with another question starting with, “do you need supplemental insurance or not?”
Then as guide to determine if you need Supplemental Insurance, ask yourself these following questions:
> Does your current plan cover accidents or development of a serious illness?
> Can you pay for lost income during your absence from work and/or out-of-pocket obligations associated with accidents/sickness?
> What’s the level of risk or likelihood you or a family member will get sick or be in an accident?
> Do you “understand the limitations and benefits of such insurance?”
True to their name supplemental insurance plans ‘are just that – supplemental.’ They are not intended to replace a group medical health insurance plan but rather to fill in gaps as needed by each individual and their family.
Disclaimer: The above is intended as general information. Prior to buying or committing to any insurance health plan, seek the advice of a lawyer, health insurance professional and/or contact the WA Office of the Insurance Commissioner for professional counsel.