Business Details
Your Trusted Medicare Insurance Partner in Spokane
Health Insurance Options is a locally grown team of licensed insurance professionals dedicated to demystifying Medicare for clients in Spokane, WA. With over 40 years of combined experience in Medicare-related insurance products, we specialize in helping individuals navigate complex Medicare Advantage Plans, Supplement Insurance, and Part D Prescription Plans. Our team handpicks multiple carriers to provide tailored options that align with each client's unique needs. We prioritize personalized service, offering free consultations to review individual situations and recommend plans that balance cost-effectiveness with comprehensive coverage.Our agents maintain deep expertise in Medicare guidelines, including enrollment timelines, creditable coverage requirements, and the intricacies of the Coverage Gap (Donut Hole). By focusing on local market needs and maintaining transparency in all communications, we aim to build long-term trust through reliable, ethical guidance in the ever-evolving landscape of healthcare insurance.
Services
Medicare Advantage Plans
Supplement Insurance
Part D Prescription Plans
Dental Insurance
Vision Plans
Highlights and features
- We have over 40 years of combined experience in Medicare insurance
- We offer multiple carriers for comprehensive plan options
- Our agents specialize in Medicare Advantage, Supplement, and Part D plans
- We provide free no-cost consultations with licensed professionals
- Our team maintains deep knowledge of Medicare enrollment timelines and penalties
What people say
Knowledgeable agents
Personalized assistance
Cost-effective solutions
Patient explanations
Long-term support
Services
Medicare Advantage Plans
Medicare Advantage Plans provide comprehensive health coverage through private insurers approved by Medicare. These plans include HMOs, PPOs, and SNPs that combine Part A, B, and often Part D benefits. Our agents help clients evaluate network requirements, out-of-pocket costs, and prescription coverage to find plans that match their healthcare needs and budget.
Supplement Insurance
Medicare Supplement Insurance helps cover out-of-pocket costs not paid by Original Medicare. Our team assists clients in selecting plans that address specific gaps in coverage for hospital stays, emergency care, and medical expenses. We offer multiple carriers to ensure competitive pricing and comprehensive protection against unexpected healthcare costs.
Part D Prescription Plans
Medicare Part D plans provide prescription drug coverage through private insurers. Our experts analyze formularies, tiered pricing structures, and deductible requirements to help clients choose plans that cover their specific medications. We emphasize avoiding coverage gaps and minimizing penalties through timely enrollment and annual plan reviews.
Dental Insurance
Our dental insurance options provide coverage for preventive care, restorative treatments, and major dental procedures. Plans include indemnity, PPO, and DHMO networks with varying levels of provider flexibility. We help clients evaluate annual maximums, waiting periods, and coverage limitations to find affordable solutions that maintain oral health.
Vision Insurance
Vision insurance plans cover routine eye exams, corrective lenses, and specialized vision correction procedures. Our offerings include plans with varying copay structures for eyeglasses, contact lenses, and laser surgery. We assist clients in selecting cost-effective coverage that addresses their specific vision correction needs and frequency of eye care services.
People
Lynn Wold
Founder & Insurance Agent
Lynn Wold has over a decade of experience guiding clients through Medicare enrollment and plan selection. Her expertise in navigating insurance complexities has helped numerous clients secure appropriate coverage. She maintains strong relationships with local healthcare providers to better serve Spokane residents.
Craig Lenhart
Insurance Agent
Craig Lenhart specializes in explaining Medicare intricacies with clarity and patience. His clients appreciate his ability to identify cost-saving opportunities while ensuring comprehensive coverage. He has received direct client recognition for saving hundreds annually through plan optimization.
Karen Speerstra
Insurance Agent
Karen Speerstra brings extensive knowledge of Medicare Advantage and Supplement plans. She focuses on personalized service, helping clients understand changing plan benefits and making informed decisions about their healthcare coverage options.
Meg Shumaker
Insurance Agent
Meg Shumaker combines technical expertise with client-focused service. Her approach emphasizes finding cost-effective solutions while maintaining respect for clients' financial and healthcare priorities. She has received specific recognition for her savings-focused recommendations.
Rose Records
Insurance Agent
Rose Records provides knowledgeable assistance with Medicare enrollment and plan comparisons. She works closely with clients to ensure they understand coverage details and make informed decisions about their healthcare insurance needs.
Questions
When can I enroll in Medicare if turning 65?
You can enroll 90 days before your 65th birthday month if you meet work requirements. Part A typically starts automatically, while Part B requires active enrollment.
Can I keep employer coverage with Medicare?
If your employer has 20+ employees and you continue working, you may keep employer coverage. We help evaluate this option during your consultation.
What happens if I miss Medicare enrollment?
Late enrollment penalties apply - 10% Part B premium increase per year uninsured, and up to 1% Part D penalty monthly. Our agents help avoid these penalties.
Do Medicare plans cover prescriptions?
Original Medicare doesn't cover prescriptions. Most Medicare Advantage Plans include drug coverage, or you can add a standalone Part D plan.
Can I have both Advantage and Supplement plans?
No, you cannot maintain both Medicare Advantage and Supplement coverage simultaneously. Our agents help determine which option better suits your needs.
How do Advantage Plan costs work?
Costs vary by plan type, network requirements, and prescription coverage. Our agents analyze your specific needs to find the most cost-effective option.
