OIC Answers on Insurance

Flood Awareness Week just wrapped up, but you should never stop being prepared for a flood. Most of the flood insurance in Washington comes through FEMA’s National Flood Insurance Plan and more than 90% of Washington’s communities participate in the NFIP, meaning homes in those areas are eligible for coverage.

On this episode, Scott Van Hoff, a Federal Flood Risk Management Standard Specialist with FEMA, discusses how the program works, why it exists, and FEMA’s role in helping people after a natural disaster.

Medicare open enrollment starts on October 15 and runs through December 7. What’s new with Medicare this year? What should you do to get ready? What questions do you need to ask and who can you call if you don’t have all the answers? Tim Smolen from the Statewide Health Insurance Benefits Advisors Program returns to the podcast for an open enrollment preview.

About SHIBA: Washington’s Statewide Health Insurance Benefits Advisors (SHIBA) volunteers provide free, unbiased and confidential help with Medicare. Call 1-800-562-6900 or visit www.insurance.wa.gov/how-we-can-help-you-medicare.

The basic concept of a life insurance policy is simple, but the details can be complicated. On this episode of OIC Answers, insurance analyst Sharon Daniel joins the hosts to explain the different types of life insurance and answer hypothetical questions about dangerous hobbies, beneficiaries, and the combination of failed marriages and suspicious deaths.

Opening the mailbox and finding a letter from your home insurance company can be a scary moment. There might be higher premiums waiting in that envelope or, even worse, the insurance version of a “Dear John” letter — a non-renewal notice. On this episode of OIC Answers, policy analyst David Forte discusses why rates have gone up recently, how rating factors like location and construction type impact premiums, the availability of home insurance in Washington, what impact wildfires are having on the market, and whether or not your insurance company can use drones to check out your roof.

A big part of the Office of the Insurance Commissioner’s work is consumer protection. A lot of that work is done by our investigations team, which evaluates consumer complaints to see if there’s been a violation of the state insurance code. On this episode of OIC Answers, two of our lead investigators explain how the investigations process works and gives advice on how to spot red flags from insurance professionals.

Auto insurance rates took a jump in 2023, which meant an increase in monthly costs for people almost everywhere. What happened? Was it a Washington-specific issue? Why doesn’t the Insurance Commissioner just say “no” to rate increases? And why did MY costs go up when I haven’t even wrecked a car or gotten a ticket in years? On this episode of OIC Answers, Senior Policy Advisor David Forte helps the hosts address all the questions and theories they’ve heard about auto rates over the last year. 

More than 5 million pets in the United States were covered by insurance plans in 2023, but the coverages and costs vary quite a bit between pets and plans. Accidents, surgeries, prescriptions, illnesses and emergencies are usually covered, while dental care and behavioral problems usually aren’t — and pre-existing conditions remain a point of confusion. Washington has about 4% of the country’s covered pets, and in this episode of OIC Answers, our hosts ask a consumer protection expert if the policies are worth the money.

Health care sharing ministries offer what may look like affordable health coverage, but there’s often a few details in the fine print that leave members short of funds when big medical bills come due. On this episode of OIC Answers, Deputy Commissioner Michael Marchand helps answer questions about what, exactly, a health care sharing ministry is, what they might not cover, and how the OIC works to prevent them from selling insurance illegally.

On this Medicare Fraud Prevention Month episode of OIC Answers, Kim McKenna — our Senior Medicare

For questions about reporting a concern to Washington State Senior Medicare Patrol, you can call our Insurance

If you are interested in volunteering with the SHIBA or SMP programs, contact us at 1-800-562-6900.

Each episode of OIC Answers addresses a question about insurance in Washington state or the OIC’s work. On this episode, Andrew Davis from the OIC's Policy team discusses the state's new premium change transparency rule and what your insurance company is now required to do if you ask (in writing) about your premium increase upon renewal.