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Frequently Asked Questions

Are you accepting new clients?

Yes, we are actively onboarding new clients across Washington, Idaho, Oregon, Montana, Arizona, New Mexico, Tennessee and Texas.

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What types of insurance do you offer?

We offer Medicare Advantage, Medicare Supplement, Prescription Drug Plans (Part D), health insurance marketplace plans, dental & vision plans, cancer insurance, hospital indemnity, heart/stroke plans and life insurance.

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Are you independent agents?

Yes. We represent multiple top-rated carriers, giving you access to varied plans and customized coverage--not tied to one insurer.

 

How much does your service cost?

Our consultations are free of charge. We handle the plan comparisons at no cost to you.

 

How do I know which Medicare plan fits my needs?

We help you weigh options like Advantage vs. Supplement, drug coverage, and provider networks--based on your health needs and budget.

 

Do you assist with Medicare enrollment deadlines?

Absolutely. We'll guide you through the enrollment windows, eligibility periods, and Special Enrollment considerations.

 

Can you help with dental and vision only?

Yes. We offer standalone dental and visions plans for individuals who need just those benefits.

 

What if I move out of state?

We can help transfer coverage or find a new plan in your destination state. We currently serve clients throughout WA, ID, OR, MT, AZ, NM, TN and TX.

 

Can you explain hospital indemnity and cancer insurance?

These plans provide cash benefits for hospital stays, cancer treatment, or cardiac events--designed to cover gaps not paid by your primary insurance.

 

Do you offer life insurance?

Yes, both term and permanent life policies tailored to your lifestyle, financial goals, and legacy planning needs.

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Local and committed to the community

Call today!  (509) 979-2578

Calling the number above will direct you to a licensed insurance agent.

2527 E 27th Ave, Suite 200

Spokane, WA 99223

Independent, licensed, insurance agents based in Spokane and serving clients, throughout Washington, Idaho, Montana, Oregon, Arizona, New Mexico, Texas and Tennessee.

We do not offer every plan available in your area. Currently, we represent 9 organizations that offer 33 plans in your area.  Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.  Not affiliated or endorsed by the government or Federal Medicare Program.  Five-0-Nine Insurance is an insurance agency not affiliated with the government.  By calling the number above, you will reach a licensed insurance agent.  Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS and PDP] organizations that are contracted with Medicare.  Enrollment depends on the plan's contract renewal. 

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