Griego Family Insurance

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

What Actually Changed With Your Part B Bill This YearGas prices creep up in ways that always seem to have a reason attac...
09/09/2026

What Actually Changed With Your Part B Bill This Year

Gas prices creep up in ways that always seem to have a reason attached, a refinery issue, a holiday weekend, something happening halfway across the world. You might not love the increase, but there's usually an explanation if you look for it.

Your Part B premium went up this year too, and there's an actual reason behind it, not just "prices go up."

The standard Part B premium rose to $202.90 a month, up from $185.00. The deductible climbed to $283, up from $257. Combined, that's a real jump, and it's mostly tied to projected healthcare costs and how much people are using their coverage, the same kind of forces that move prices anywhere else.

Here's why this matters beyond just knowing the number. If your bill changed and you didn't know why, it's easy to assume something's wrong or that you're being overcharged. You're not. This is a program-wide change that applies across the board.

Knowing the reason doesn't make the number smaller. But it does make it a lot less confusing.

Speaking of things going up, what's the last price hike that genuinely caught you off guard?

The One Thing Worth Doing Before October 15 This Year SpecificallyEvery fall, people wait until October 15 to start thin...
09/08/2026

The One Thing Worth Doing Before October 15 This Year Specifically

Every fall, people wait until October 15 to start thinking about their Medicare coverage. That's actually the wrong move this year specifically.

Here's why. So much has shifted behind the scenes this year, the extra pricing support ending, premiums moving, plans changing their lineups. If you wait until enrollment opens to start looking, you're reacting instead of planning. And with this much changing at once, reacting in a rush isn't the move.

The one thing actually worth doing right now: take a real look at your current coverage before the new numbers even come out. What are you paying now? What's actually working for you? What would you want to change if you had the option? Knowing that ahead of time means you're ready to compare instead of starting from scratch once the new plans are announced.

If you want a simple list of exactly what to review before October 15, comment QUESTIONS and I'll send it your way.

Do you like to get a head start on things, or are you more of a last-minute kind of person?

Mark This Date: Mid-to-Late SeptemberYou know how the football schedule comes out weeks before the season actually kicks...
09/07/2026

Mark This Date: Mid-to-Late September

You know how the football schedule comes out weeks before the season actually kicks off? You already know who's playing who and when, way before the first snap. It lets you actually plan instead of scrambling once game day shows up.

Medicare works kind of the same way this year, just with different dates.

Everyone thinks October 15 is when Medicare season starts. That's actually enrollment day, the day you can start making changes. The real numbers, the actual 2027 plan costs and details, get released by CMS in mid-to-late September. Weeks earlier.

That gap matters!

If you wait until October 15 to start paying attention, you're already behind, scrambling to review everything in the short window you have left. If you know the schedule ahead of time, you get to actually plan.

So consider this your schedule release. The real information starts showing up this month, not next.

Speaking of football, who's your team?!

The Out-of-Pocket Cap Just Went Up Again Fair rides have a trick to them. You buy the wristband once, and no matter how ...
09/06/2026

The Out-of-Pocket Cap Just Went Up Again

Fair rides have a trick to them. You buy the wristband once, and no matter how many rides you go on after that, you're covered. That's the whole appeal, one price, and you stop doing math in your head every time you get in line.

Medicare Part D has something similar, and it just went up again.

There's a yearly out-of-pocket cap on what you pay for prescriptions before your plan covers the rest. For 2027, that cap is rising to $2,400, up from $2,100. So the "wristband price," so to speak, just got a little more expensive.

It's still a real protection. Once you hit that number, you're covered for the rest of the year. But it's worth knowing the new number instead of assuming it's the same as last year, especially if you're someone who relies on that cap to plan out your budget.

Speaking of fairs, what's the one ride you never skip when you go?!

What Everyone Thinks Fall Means vs. What It Actually Means for MeTo most kids, fall means pumpkin patches, Halloween cos...
09/05/2026

What Everyone Thinks Fall Means vs. What It Actually Means for Me

To most kids, fall means pumpkin patches, Halloween costumes, and asking their parents seventeen times if it's cold enough for a jacket yet.

To me? Fall means football is back, but also, my busiest season each year is quickly coming. I try to spend time with friends and family since they won't see much of me as soon as October 15 hits.

Same season, completely different experience. And honestly, I wouldn't trade either version.

What does fall mean to the kids or grandkids in your life versus what it actually means for you?

The Number CMS Already Confirmed for 2027You know how the first pumpkin spice sign at the coffee shop shows up before fa...
09/03/2026

The Number CMS Already Confirmed for 2027

You know how the first pumpkin spice sign at the coffee shop shows up before fall actually gets here? It's not the whole season yet. It's just enough of a preview to tell you what's coming.

That's basically what just happened with Medicare drug plans for next year.

CMS confirmed one number for 2027, the base premium for standalone Part D plans, and it landed at $41.33 a month. That's not what everyone will pay, plans vary a lot, but it's the number the rest of next year's pricing gets built around. Kind of like that first pumpkin spice sign. It's not the full picture. It's the first real clue.

The actual numbers that apply to your specific plan come out later this fall. When they do, it's worth actually looking at them instead of assuming this year will look just like last year.

I'll keep you posted as more of it rolls out.

In the meantime, tell me where you stand. Pumpkin spice lover, or team it's-a-little-overrated?

Why Your Drug Plan Premium Might Jump Even If Nothing Else ChangedHere's a number that's going to catch a lot of people ...
09/02/2026

Why Your Drug Plan Premium Might Jump Even If Nothing Else Changed

Here's a number that's going to catch a lot of people off guard this year.

About 3 out of 4 people on a standalone Part D drug plan are expected to see their premium go up for 2027. Not because they added a medication. Not because they used their plan more. Just because of how pricing is shifting behind the scenes this year.

Most folks assume if their health didn't change, their bill shouldn't either. Makes sense. That's just not how it's playing out this time. 🤷🏻‍♀️

Here's the part that actually matters. You won't know how this affects your specific plan until your renewal notice shows up. So when it does, don't just glance at it and set it aside like it's junk mail. Open it. Read the actual numbers.

If something on it doesn't make sense, that's a completely normal thing to ask about. That's what I'm here for!

The Subsidy That's Quietly DisappearingThere's a government program you've probably never heard of. It's been quietly pr...
09/01/2026

The Subsidy That's Quietly Disappearing

There's a government program you've probably never heard of. It's been quietly protecting your drug plan premium for the last two years. And it's about to disappear.

It's called the Part D Premium Stabilization Demonstration. I know, not exactly a catchy name. But here's what it's actually been doing. It's helped keep standalone Part D premiums lower and more predictable while some big changes rolled out across Medicare.

That program is ending after this year.

Here's what that means for you. ⤵

If you're on a standalone drug plan, your premium could move differently than it has the last couple of years, not because your health changed, but because the support behind the scenes is going away.

You don't need to panic about this today. You do need to actually read your renewal notice this year instead of assuming everything stays the same. It might. But "might" isn't something I want you finding out about after the fact.

If you want to know exactly what to check before assuming anything about next year's coverage, comment QUESTIONS and I'll send you the list.

August Is Done. September Changes Everything.August went fast. It always does.While I didn't get in any camping this mon...
08/31/2026

August Is Done. September Changes Everything.

August went fast. It always does.

While I didn't get in any camping this month, I did get to spend time with my team at our annual end of summer party, and got to attend a wedding for our friends' daughter. We also found a weekly live band at one of local resorts and have enjoyed hanging out for that.

But here is what I want you to know going into September.

This is the month that matters most if you are on Medicare. Not October. September. Because September is when you still have time to think, ask questions, and make decisions without a deadline making everything feel urgent.

The Annual Enrollment Period opens October 15th. And the people who walk into it feeling calm and prepared are the ones who used September wisely.

That is exactly what I am going to help you do this month.

September starts tomorrow. I am so glad you are here for it.

What was the best part of your August? Drop it below!

08/27/2026

Here's something people are often surprised to learn: it costs you nothing to work with us.

We're independent agents, which means we don't work for one insurance company - we work with multiple carriers and compare all of the options on your behalf. We do the research. We explain the fine print. We answer your questions and help with any issues that may happen after you enroll also.

No pressure. No obligation. Just local people helping you make a confident decision. That's our whole business model. And it's why our clients stay with us and continue to refer their family and friends to us.

Call Griego Family Insurance at (509) 862-5448 and we’ll be happy to help.

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1101 N Argonne Road Ste 108
Spokane Valley, WA
99212

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