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Griego Family Insurance

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Spokane Valley, WA
Griego Family Insurance

Our top priority is to educate and service our clients with their health insurance needs. There is never a fee for our services.

We are licensed in Washington, Idaho, Oregon, California, Arizona, Colorado, Montana and Texas. Licensed in WA, AZ, CA, CO, ID, MT, OR, TX

10/17/2026

“My doctor accepts Medicare, so I'm good.”

Maybe. But I need you to ask one more question. 👀

If you're considering a Medicare Advantage plan, knowing that your doctor “accepts Medicare” doesn't necessarily tell you whether they're in-network with the specific plan you're considering.

And THAT'S the question we actually need answered.

Because your doctor could see Medicare patients but not participate in every Medicare Advantage plan available in your area.

Why does that matter?

Depending on the type of plan, seeing an out-of-network doctor could mean paying more or not having coverage for that care at all, except in certain situations.

So if keeping your doctor is important to you, don't stop at:

“Do you accept Medicare?”

Ask:

“Are you in-network with this specific Medicare Advantage plan?”

Even better, let's verify it while we're reviewing your options.

Because finding a plan you like and THEN realizing your favorite doctor isn't in-network?

I'd rather skip that particular January surprise. 😂

Have a doctor you absolutely want to keep?

Send me their name and let's make sure they're part of the conversation when we look at your 2027 options.

10/16/2026

You Might Keep Your Current Plan

Here's something you might not expect to hear from me during AEP:

I might tell you to keep the Medicare plan you already have. 🙌

Because the goal of an annual review isn't to find a reason to change your coverage.

It's to make sure the coverage you have still makes sense for you.

We'll look at what's changing for 2027.

We'll check your doctors and prescriptions.

We'll look at your costs and the benefits you actually use.

And we'll talk about whether anything in your life or healthcare needs has changed.

Then we compare.

Sometimes, we'll find another option that makes more sense.

And sometimes?

We'll look at everything and realize your current coverage is still doing exactly what you need it to do.

That's a successful review too.

You don't get bonus points for changing Medicare plans every year. 😂

You just want to know that you're making an informed decision instead of keeping something simply because you've always had it.

If you're wondering whether your current coverage still makes sense for 2027, send me a message.

Let's actually look before we decide.

10/15/2026

AEP is officially OPEN! 🎉

And before we spend the next several weeks talking about plans, prescriptions, doctors, benefits, and all the other Medicare things, here's what I want my clients to know first:

You don't have to figure this out by yourself.

You're going to see commercials.

You're going to get mail.

Your neighbor is probably going to tell you how much they LOVE their plan.

And someone on Facebook will inevitably announce that they've found the “best” Medicare plan. 😂

But none of those people know your doctors.

They don't know which prescriptions you take.

They don't know what you can comfortably afford if you need a lot of healthcare next year.

And they don't know which benefits actually matter to you.

That's why we're going to look at your situation before deciding whether anything needs to change for 2027.

Maybe we find an option that works better for you.

Maybe we look at everything and decide your current coverage still makes sense.

Either way, the goal isn't to change your plan just because it's AEP.

It's to make sure you understand what you have and feel good about your decision for next year.

So if Medicare starts feeling especially LOUD over the next few weeks, remember:

You don't have to sort through all of it alone.

Send me a message if you're ready to start your 2027 review.

10/14/2026

AEP starts tomorrow.

And just in case you needed someone to say it:

You do NOT have to pick a Medicare plan tomorrow. 🙌

October 15 is the day Annual Enrollment Period opens, not the day you need to have everything figured out.

You have until December 7.

So if you're already feeling like you need to hurry up, compare everything, make a decision, and check Medicare off your list...

Please don't.

I'd much rather you take the time to look at your doctors, prescriptions, pharmacy, costs, and the benefits you actually use than rush into a decision because AEP officially started.

There IS a deadline.

But there's also time to ask questions, understand your options, and make a decision based on what actually works for you.

So tomorrow, we're not panicking. 😂

We're just getting started.

And if you're already staring at all of your 2027 Medicare information thinking, “Okay...now what?” send me a message. We'll figure out your next step together.

10/13/2026

What Does $41.33 Actually Mean?

You may have seen this number floating around for 2027:

$41.33.

And if you thought, “Oh! So that's what my Medicare drug plan is going to cost next year?”

Not quite. 🙃

$41.33 is the 2027 Part D base beneficiary premium.

It's a number Medicare uses as part of the calculation behind Part D premiums, but it is NOT the price tag for every Medicare drug plan.

Your actual premium will depend on the specific plan you're enrolled in.

Which is why I don't want you making decisions based on one Medicare number you saw in a headline, a Facebook post, or somewhere else online.

What matters is what YOUR specific coverage will cost for 2027 and how that coverage works with the prescriptions you actually take.

So if you've seen $41.33 and were wondering what the heck it means for you, send me a message.

I'll help you look at the numbers that actually matter for YOUR coverage.

10/12/2026

3 Prescription Restrictions to Check

You found your medication on the drug list. 🙌

Now I want you to look for three more things:

Prior authorization.

The plan may require approval before it covers the medication.

Step therapy.

You may need to try a different medication first before the plan covers the one your doctor prescribed.

Quantity limits.

The plan may limit how much of the medication it covers within a certain period of time.

Why does any of this matter?

Because seeing your medication on the formulary doesn't necessarily mean you'll walk into the pharmacy in January and pick it up without any extra steps.

And THAT is something I'd much rather know before you choose your coverage than when you're standing at the pharmacy counter wondering why your prescription isn't ready. 😬

These are exactly the kinds of little details that are easy to miss when you're comparing plans, so I included them in my 2027 Medicare Plan Review Checklist.

Comment CHECKLIST and I'll send you a copy so you know what to look for when reviewing your prescriptions for next year.

09/30/2026

The Plan Finder Tool Just Got a Major Upgrade

Before you switch cell phone carriers, smart move is to check their coverage map first, make sure they actually work well where you live, where you work, where you spend most of your time. Otherwise you switch, save a little money, and end up with dropped calls in your own kitchen.

Medicare just gave you a similar kind of check.

The Medicare Plan Finder tool got a real upgrade. Now, before you switch plans, you can actually check whether your current doctors are in that plan's network. No more guessing, no more finding out after you've already switched that your doctor isn't covered.

If you've ever hesitated to look into other plan options because you didn't want to risk losing your doctor, this update was made for exactly that.

Have you ever switched a carrier, bank, or service and immediately regretted it?

09/29/2026

The Drug Price Negotiations Already Being Planned for 2028

Most people assume Medicare drug price negotiations are something that already happened and are done. They're actually not finished. They're still expanding.

CMS has already released draft guidance for the next round of negotiations, the one that'll shape prices for 2028. This is the ongoing program where Medicare negotiates directly with drug manufacturers on the cost of certain high-priced medications, and it keeps adding more drugs to the list over time.

Most beneficiaries never hear about this stage. It happens quietly, years before it actually shows up in your plan's pricing. But it's worth knowing it's happening, because it means this program isn't a one-time thing. It's an ongoing process that keeps building.

I'll keep an eye on this one and let you know as it develops.

Have you ever assumed a home project or renovation was totally finished, only to find out later there was still more to do?

09/28/2026

The Real Reason Premiums Are Being Left to the Market This Year

For the past couple of years, there's been a quiet safety net under Medicare drug plan prices. A government program helped keep premiums from swinging too wildly while a bunch of other changes rolled out across Medicare at the same time. Most people never knew it was there, because it just did its job in the background.

That safety net is gone now.

Insurance companies are setting drug plan prices completely on their own this year, without that extra support. CMS says insurers have had enough time to get comfortable pricing without it, so it's being phased out.

Nobody knows yet exactly how this shakes out for every single plan. Some might barely move. Others might jump more than people expect. That's exactly why this is a good year to actually look at your number instead of assuming it'll land close to last year's.

Ever had a store stop price matching or drop a discount you didn't even realize you were relying on until it was gone?

09/27/2026

The Dual-Eligible Update Worth Knowing If It Applies to You

If you qualify for both Medicare and Medicaid, this one's for you. If you don't, feel free to keep scrolling, but maybe send it to someone you know who might.

There's an update to the rules around D-SNPs, the plans specifically built for people who have both Medicare and Medicaid. It's a policy-level change, the kind that affects how these plans are structured and coordinated behind the scenes, not something flashy, but it directly impacts a specific group of people.

Here's why it matters if this is you. Dual-eligible coverage already involves more moving parts than a standard Medicare plan, two programs working together instead of one. When the rules shift, even quietly, it's worth knowing so you're not caught off guard by a change you didn't see coming.

If you or someone you love falls into this group, it's worth a real conversation before assuming everything's staying the same.

Tag someone below who this might actually apply to. They'll thank you later.

Address

1101 N Argonne Road Ste 108
Spokane Valley, WA
99212

Opening Hours

Monday	9am - 3pm
Tuesday	9am - 3pm
Wednesday	9am - 3pm
Thursday	9am - 3pm

Website

https://goagentforce.com/17053957

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