Griego Family Insurance

Griego Family Insurance Our top priority is to educate and service our clients with their health insurance needs. There is n Licensed in WA, AZ, CA, CO, ID, MT, OR, TX

Let me be honest with you about something.Every Medicare agent you talk to has access to the same plans at the same pric...
06/17/2026

Let me be honest with you about something.

Every Medicare agent you talk to has access to the same plans at the same prices.

So if the price is identical no matter who you call, what are you actually shopping for?

You're shopping for someone who asks the right questions.

Who are your doctors? What medications are you on? How often do you actually use your coverage? What does your budget look like not just today but five years from now?

You're shopping for someone who tells you the truth even when the truth isn't what you want to hear.

And you're shopping for someone who picks up the phone after you've enrolled. When you get a confusing bill. When your doctor changes. When something doesn't look right.

That's the difference between an agent and an advocate.

I work in Spokane Valley, but serve the Pacific Northwest. My clients are my neighbors. And I'm not going anywhere.

📲 Call our office at 509.862.5448 to schedule a free call and let's find the right fit for you.

Quick exercise. Without getting up, do you know where your Medicare insurance card is right now? Now harder question. Do...
06/16/2026

Quick exercise. Without getting up, do you know where your Medicare insurance card is right now?

Now harder question. Do you know the member services number for your specific plan?

Not 1-800-MEDICARE. That's the federal Medicare helpline and while it's useful, it can't actually pull up your specific plan details, tell you if your doctor is in network, or help you figure out why a claim was denied.

The number you need is the one on the back of your actual plan's card. Your Medicare Advantage card. Your Part D drug plan card. Your Medicare supplement card. Whatever coverage you have on top of Original Medicare, that plan has its own member services line and that is the number that can actually help you in the moment.

Here's why this matters so much.

When something goes wrong (and hopefully it never does), you are already stressed. You are not in the mood to dig through a drawer looking for a card or spend twenty minutes on the wrong hold line before realizing you called the wrong number.

So here's what I want you to do right now.

Find your insurance card. Flip it over. Put that member services number in your phone contacts right now. Label it something obvious like "[Plan Name] Insurance" so you can find it fast.

Takes two minutes. Could save you a really awful moment later!

Not sure which card is which or what coverage you even have? That is such a common thing and I am so happy to help sort it out.

DM me the word SUMMER and let's get you organized!

Do you know where your insurance card is right now?

Let’s be honest for a second… Medicare can make perfectly intelligent people do some very questionable things. 😂How many...
06/15/2026

Let’s be honest for a second… Medicare can make perfectly intelligent people do some very questionable things. 😂

How many of these have you done?

⬜ Googled Medicare at midnight
⬜ Got advice from a neighbor who “knows somebody”
⬜ Said “I think I’m covered” without actually being sure
⬜ Called the 1-800 number and gave up after sitting on hold forever
⬜ Forgot where you put your insurance card
⬜ Asked your adult kid for help and instantly regretted it
⬜ Felt stressed about Medicare before you even needed to

Truthfully? Most people feel overwhelmed at some point. There’s so much information out there and a lot of it sounds completely different depending on who you ask.

That’s why having someone you trust to walk you through it matters.

How many boxes would you check? 👀

Or better yet… tag the person who would absolutely check off at least three of these. 😂

Let me introduce you to two words that have caused more frustration in American healthcare than almost anything else. Pr...
06/14/2026

Let me introduce you to two words that have caused more frustration in American healthcare than almost anything else.

Prior authorization.

Here's what it means in plain English.

Your doctor examines you. Decides you need a specific medication or procedure. Writes it up. And then your insurance plan says — actually, before we cover that, we need you to prove it's necessary.

Your doctor. Who went to medical school. Who just examined you. Now has to stop what they're doing, fill out paperwork, and formally ask your insurance company for permission.

Sometimes it gets approved the same day. Sometimes it takes a week. Sometimes it gets denied and your doctor has to appeal the decision. Meanwhile you are just sitting there trying to get the care you were told you needed!

The official reason prior authorization exists is to control costs and make sure treatments are medically necessary. And look, in theory that makes sense.

In practice it often just feels like a waiting room inside a waiting room.

Here's what you need to know as a Medicare beneficiary. Prior authorization requirements vary by plan. Medicare Advantage plans use it more than Original Medicare. And certain medications, procedures, and specialist visits are more likely to require it than others.

If you've ever been told your medication needs prior authorization and had absolutely no idea what that meant, now you know. And if you're ever stuck in that process, call me before you spend three hours on hold with your insurance company!

DM me the word PRIOR AUTH and let's figure it out together.

Has prior authorization ever held up your care or your medication?

This is the one that gets healthy people.You're turning 65. You feel great. You're not on any regular medications. So yo...
06/13/2026

This is the one that gets healthy people.

You're turning 65. You feel great. You're not on any regular medications. So you look at Part D prescription drug coverage and think why would I pay for something I don't need?

Here's why. ⤵️

The moment you skip Part D without qualifying coverage you start accruing a late enrollment penalty. Every single month you go without it.

And here's the thing about being healthy at 65.

👉 Things change.

One diagnosis. One surgery. One prescription that costs hundreds of dollars a month without coverage.

Suddenly that Part D plan you skipped doesn't seem so optional anymore. And now you're paying a penalty on top of your premium for the rest of your life.

The monthly cost of a Part D plan is often less than a single copay.

It's not about what you need today.
It's about protecting yourself from what you might need tomorrow.

Send this to someone turning 65 who thinks they don't need Part D.

This is one of those things nobody thinks to check until it's too late. Here's how it usually goes. Someone has been see...
06/11/2026

This is one of those things nobody thinks to check until it's too late.

Here's how it usually goes.

Someone has been seeing the same doctor for years. They go in for an appointment, get their care, and then a bill shows up that is way higher than what they're used to.

Why? Because their doctor quietly left their network and nobody told them.

This happens more than most people realize. Doctors negotiate contracts with insurance plans every single year. Sometimes those contracts don't get renewed. It happens for all kinds of reasons and patients are almost never the first to know.

The good news? It takes about five minutes to check.

Call the member services number on the back of your insurance card and ask "is [Doctor's Name] still in network for my plan?" That's it!

And here's why doing this in June instead of October matters. If you find out now you've got plenty of time to figure out your options calmly. If you find out during open enrollment you're making a big decision under pressure.

Not sure how to check? I'm happy to help!

DM me the word SUMMER and let's take a look together.

Have you checked your network recently?

Every single summer without fail... The family shows up. Everyone sits down for dinner. And somewhere between the potato...
06/10/2026

Every single summer without fail...

The family shows up. Everyone sits down for dinner. And somewhere between the potato salad and the dessert one of the adult kids leans over and goes...

"So are you sure your coverage is good?"

And then it starts.
"I read something online that said..."
"My coworker's mom switched plans and saved a ton..."
"Have you thought about changing to..."
"I really think you should call someone about..."

They mean well. They really truly do. But by the end of the night you've got four different opinions, three things to Google, two people who definitely contradicted each other, and zero actual answers.

Sound familiar?!

Here's the thing. Medicare is not a one size fits all situation. What worked for your neighbor, your coworker's mom, or whoever your son read about on Facebook may have absolutely nothing to do with what's right for you.

You deserve real answers based on your actual situation. Not opinions offered at the dinner table.

That's exactly what I'm here for. One conversation with me is worth about fourteen family dinners worth of Medicare advice.

DM me the word SUMMER and let's get you some actual answers before the next family gathering!

Has this ever happened at your dinner table?

Most people assume health insurance has cancer covered.It covers the treatment. The surgeries, the infusions, the hospit...
06/09/2026

Most people assume health insurance has cancer covered.

It covers the treatment. The surgeries, the infusions, the hospital stays. That part is real and it matters.

What it doesn't cover is everything that surrounds the treatment.

The gas and hotel stays when the treatment center is two hours from home. The lost income during weeks of recovery.

The childcare while a parent is in chemo. The household help when someone can't do what they used to do. The things that don't show up on a medical bill but add up fast in a family's real life.

This is where cancer supplement coverage comes in and most people have never heard of it until they're sitting in a waiting room wishing they had it.

A cancer policy pays cash directly to you at diagnosis and throughout treatment. Not to the hospital, not to the provider. To you. No receipts required. You use it for whatever your family actually needs during one of the hardest seasons of your life.

Summer is the time of year people put off appointments. The check they've been meaning to schedule. The spot they've been watching. The conversation they keep pushing to next month.

Early detection changes outcomes. So does having a financial plan for what comes after.

I have several clients and family members, as well as my own father, who have gone through extended periods of treatment. Cancer supplemental coverage could have helped with so many different costs that they faced beyond the treatment.

Have you ever looked into cancer supplement coverage?

Here's a scenario I hear more than you'd think. Someone walks into the pharmacy in January to pick up a medication they'...
06/08/2026

Here's a scenario I hear more than you'd think.

Someone walks into the pharmacy in January to pick up a medication they've been taking for years. Same drug. Same dose. Same pharmacy. And the price is completely different from what they expected.

Not because they did anything wrong. But because their plan's formulary changed.

Here's what that means in plain English.

A formulary is basically your plan's list of covered drugs. Every Medicare Part D and Medicare Advantage plan has one. And that list can change every single year on January 1st. Drugs can move to a higher tier which means higher cost. Some drugs can be removed from the list entirely. New requirements like prior authorization can be added.

Your plan is required to notify you about these changes. But let's be honest. That notice shows up in a thick envelope in October and most people set it aside and never open it.

So here's what I want you to do.

If you take any regular medications, it is worth a quick check to make sure they are still covered the same way they were last year. You can call your plan directly or I can help you look it up in about five minutes.

Because finding out at the pharmacy counter is the worst possible time!

DM me the word SUMMER and let's take a look at your current coverage together.

Has your medication cost ever changed unexpectedly at the pharmacy?

Quick question for anyone on a Medicare Advantage plan. Do you know what your service area is? If the answer is "I'm not...
06/03/2026

Quick question for anyone on a Medicare Advantage plan.

Do you know what your service area is?

If the answer is "I'm not sure" or "what does that mean," you are in very good company. This is one of the most common things people don't know about their plan until it actually affects them.

Here's what it means in plain English.

Medicare Advantage plans are offered by private insurance companies. And unlike Original Medicare, which works pretty much anywhere in the country, Medicare Advantage plans operate within a specific geographic area. Your county. Maybe a few surrounding counties. Sometimes a whole region.

Inside that area? Your plan works the way you expect it to.

Outside that area? It gets complicated fast. Depending on your specific plan, you might pay significantly more to see a doctor. Or you might only be covered for true emergencies. Some plans have very limited coverage the moment you step outside their boundaries.

And here's the thing. Most people find this out when they're already somewhere new and already need care. That is not a fun moment.

The good news is there's one question you can ask your plan right now that will tell you everything you need to know.

Call the member services number on the back of your card and ask this exactly:

"If I need non-emergency care outside my service area, am I covered and what will it cost me?"

That's it. One question. Five minutes. And you'll know exactly where you stand before summer gets going.

Not sure what plan you even have or where to find that number? That's what I'm here for!

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

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