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Member Highlights – Cindy Hagen

Cindy Hagen, Owner
Hagen Insurance Partners

What do I do:

I am an independent insurance agent. Currently my focus is individual and small group health insurance, as well as Medicare. I also offer vision, dental, life, and disability insurance, as well as travel insurance. Basically I offer insurance that covers you, the person. I don’t offer auto, home, or umbrella insurance – that’s just too much for my brain to handle at this time (but I can refer you to colleagues if that is what you are looking for).

Favorite Books:

This is so hard to answer as I always have 2-3 books going at any one time. I tend to veer towards mysteries, sci-fi/fantasy, and YA, with a bit of historical fiction on the side. Still Life by Louise Penny, Binti by Nnedi Okorafor, and The Alice Network by Kate Quinn (WWII female spies!) have been recent favorites.

Insider Tips on Health Insurance:

Open Enrollment is coming soon! If you purchase your own health insurance or have Medicare, open enrollment for 2019 is coming up soon! I don’t think there are going to be many big changes in 2019 – I think companies are hesitant to introduce new plans or tweak benefits until they know what is going to happen with the Affordable Care Act. I can guarantee that rates will go up, as they always do. Rates are still being approved, but companies requested rate hikes from 6-30%. Medicare rates tend to be a bit more stable, so I don’t expect huge increases in that market.

If you purchased your insurance on the WAHealthPlanFinder then Open Enrollment is November 1 – December 15. If you have a Medicare plan, your open enrollment is October 15 – December 7. If you have coverage through your employer, your open enrollment may be this fall, but it could be other times throughout the year (check with your HR department). Did you know that you don’t have to pay an agent to help you navigate the insanity? I am paid on commission by the insurance companies, and if you don’t have an agent the company will happily keep that commission payment for themselves.

What do you do?

So what do I actually do? I help you navigate the choices that are available to you – I am licensed with the companies that sell individual insurance in WA, and am familiar with their products, benefits and networks. I can assist with the application process, help you figure out if you qualify for tax credits to subsidize your premiums, and figure out if your doctors and prescriptions are covered by the insurance company. If none of the plans meet all of your needs, I can help you decide what your best option is (Although sometimes I feel like I help people pick the best of the worst.). Once you have a policy, I can be your advocate with the insurance company if you have problems with bills, claims, or other issues. I can also deal with the WAHealthPlanFinder on your behalf – I know the website can be frustrating, but I use it daily and can remove most of that burden from you.

Why I cowork and what I love about WP:

I worked at home for 6-7 years, and spent a lot of time in my car driving to meet clients.  I also got to know local coffee shops better than I wanted to!  The thing about health and life insurance is that folks often want to meet in person, but they don’t want you to see their messy living room, and a coffee shop may feel too public a space to talk about their needs.  I was also finding that I was easily distracted at home.   One day I fell down an internet rabbit hole and read an article by a working mom – she wrote about her coworking space, and how it helped her work more effectively.  I figured that there had to be some similar options in Seattle, and lo and behold, Works Progress was just a mile away!  I did 2 days a week for the first month I was at WP, and loved it.  I jumped to a full time fixed desk and haven’t looked back.  Even though we are all doing our own thing, it’s a bit of silent encouragement every time I walk in the door.  WP is in a great location, the conference rooms are a huge benefit, and I really enjoy the people here.