Westhouse Agency, LLC

Westhouse Agency, LLC We are here to help you determine the right Health or Medicare coverage to fit your small business or family's unique needs and budget. All at no cost to you!

We will answer questions, research options, identify subsidies, and assist with enrollment. We are here to help you find and enroll in the best coverage to fit your small business or family's unique needs and budget.

Wondering if Medicare covers hearing aids? Here's what most people don't learn until they're at the checkout counter: Or...
09/08/2026

Wondering if Medicare covers hearing aids?

Here's what most people don't learn until they're at the checkout counter: Original Medicare (Parts A & B) does NOT cover hearing aids or the exams to fit them. That's been the rule since 1965.

But you're not out of options. Here's where to look:

✅ Medicare Advantage plans — many include a hearing benefit with an allowance toward aids (check the plan details, they vary a lot)

✅ Over-the-counter hearing aids — available without a prescription for mild to moderate loss, often starting around a couple hundred dollars

✅ Medicaid — may cover aids if you're dual-eligible (varies by state)

✅ VA benefits — often cover hearing aids for qualifying veterans

✅ HSA/FSA dollars — pay for aids with pre-tax money

There are a few important hearing support options that Medicare DOES cover: doctor-ordered diagnostic hearing exams, one audiologist visit a year, and surgically implanted devices like cochlear implants, when medically necessary.

One myth to clarify: Medigap doesn't cover hearing aids either, since it only fills gaps in what Original Medicare already pays for.

❓Questions about which path fits your hearing and your budget? Reach out any time - we're happy to help.

Thanks James Bailey for sharing :)
09/03/2026

Thanks James Bailey for sharing :)

An HSA (Health Savings Account) is a tax-advantaged account that helps you save for qualified medical expenses—now or in...
09/02/2026

An HSA (Health Savings Account) is a tax-advantaged account that helps you save for qualified medical expenses—now or in the future. How it works:

✅ You make tax-free contributions to the account
✅ Make tax-free withdrawals for qualified medical expenses
✅ You own the account—it stays with you even if you change jobs or retire

📌 Tip: To contribute, you must be enrolled in a High-Deductible Health Plan (HDHP).

You can use HSA dollars to pay for:
✔️ Copays & deductibles
✔️ Dental & vision care
✔️ Prescription drugs
✔️ Medicare premiums and expenses (after age 65)

Have questions about how your HSA fits into your health care and Medicare planning? We’re here to help!

Your ACA Marketplace premium probably went up this year. You're not imagining it.For the past few years, extra financial...
08/31/2026

Your ACA Marketplace premium probably went up this year. You're not imagining it.

For the past few years, extra financial help called the enhanced premium tax credit lowered Marketplace premiums for a lot of people. That help ran from 2021 through 2025 and expired on January 1, 2026.

Now the older rules are back, including the "subsidy cliff."

Here's how it works. If your household income goes above 400% of the federal poverty level, you no longer qualify for a premium tax credit. For 2026, that line sits around $62,600 for one person and $84,600 for two.

Older, middle income households have felt this the most. A 60-year-old couple earning about $85,000 sits just over the cliff. Their estimated yearly premium for 2026 could reach roughly $22,600, close to a quarter of their income.

If you're not sure where you stand this year, here's what can help:

- Review your options during open enrollment
- Compare plan levels, since a higher deductible plan might lower your monthly cost
- Estimate your income carefully before you enroll
- Talk to a licensed agent about your specific numbers

The subsidy cliff is real, and it can be steep. But you still have options. We are here to help!

Thank you Abby Nelson for entering! Here is her message about sweet Winnie: This is Winnie our 3 year old Corgi 🐾 She is...
08/27/2026

Thank you Abby Nelson for entering!
Here is her message about sweet Winnie: This is Winnie our 3 year old Corgi 🐾 She is our little low-rider with a heart of gold and ears that can hear a treat wrapper from a mile away! She’s a professional tennis ball retriever, she thinks every dog and human she meets on the sidewalk is her new best friend in the whole wide world, she loves zooming after her kitty sister in silly games of tag, and when the day is done, she turns into a sleepy loaf of bread who demands maximum snuggles from mom and dad ♥️

Thank you Dave & Karen Silvis for entering!
08/26/2026

Thank you Dave & Karen Silvis for entering!

Thanks Patty Boven for entering! We'll see if any other pets can compete with sweet Lily ☺️
08/25/2026

Thanks Patty Boven for entering! We'll see if any other pets can compete with sweet Lily ☺️

If someone calls and already knows your name, your age, and your address, that does not make them legitimate. Criminals ...
08/25/2026

If someone calls and already knows your name, your age, and your address, that does not make them legitimate. Criminals often start with information they already have and only need one more piece from you.

Medicare-related scam calls have climbed sharply over the past year. Some people report getting dozens in a single day. The pitches are predictable once you know them. Your card is expiring. You qualify for unclaimed benefits. A free brace or hearing aid is on the way.

They all want the same thing: your Medicare number.

A few things to remember: Medicare generally contacts you by mail first and does not call to ask for your Medicare number or bank information. A real licensed agent will give you their name and license number without hesitation, and will not push you to decide today.

If someone claims to be from an agency, hang up and call that agency's main number yourself. Anyone honest will not mind.

What is the strangest scam call you have received? Share it below so your neighbors know what to listen for.

Not sure whether a call you got was real? Call our office and we will tell you. 📞

With so much information online, you might wonder: do I really need an insurance agent? 🤷 Here's the thing — a licensed ...
08/19/2026

With so much information online, you might wonder: do I really need an insurance agent? 🤷 Here's the thing — a licensed agent brings something no search engine can: personalized guidance based on YOUR life, your health, your budget, and your goals. We take the time to compare options across multiple carriers so you're not stuck guessing which plan is actually the best fit.

And it doesn't stop once your policy is in place! If you ever need to file a claim, having someone in your corner who understands the process makes a stressful situation so much easier. Plus, life changes — new jobs, growing families, moves, retirement — and we're here to revisit your coverage along the way so it keeps up with you.

If you're wondering whether your current coverage still fits your life, let's talk.

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Grandville, MI

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