Blog...

Navigating the world of Medicare and health insurance can feel overwhelming—especially when you're bombarded with ads, mailers, and confusing terms. Whether you're exploring Medicare Advantage, looking for supplemental coverage, or curious about cancer or hospital indemnity plans, one factor makes the process simpler and more effective: working with independent licensed agents. At Five-0-Nine Insurance, we help clients throughout Spokane and across Washington, Oregon, Idaho, Montana, Arizona, Texas, and New Mexico find tailored, affordable coverage. Here's how we do it—and why it matters. What Sets Independent Licensed Agents Apart? Unlike captive agents who represent a single insurance company, independent licensed agents work for you, not the insurer. That means we can compare multiple plans across multiple carriers, helping you choose the best fit for your: •Budget •Healthcare needs •Lifestyle •Provider preferences •Prescription coverage We eliminate the guesswork by showing side-by-side comparisons of top-rated Medicare Advantage and Medicare Supplement plans, all from a local, trusted advisor—not a call center across the country. Understanding Your Medicare Options If you’re new to Medicare or reviewing your current plan, here’s a quick breakdown of what we can help you navigate: 1. Medicare Advantage Plans (Part C) These all-in-one plans often include health, dental, vision, and prescription drug coverage. Many also offer extras like hearing, gym memberships, and transportation. But not all plans are equal—and networks can vary by zip code. 2. Medicare Supplement Plans (Medigap) Medigap policies help cover out-of-pocket costs that traditional Medicare doesn’t—like copays, coinsurance, and deductibles. Ideal if you want predictable expenses and the freedom to see any provider who accepts Medicare. 3. Prescription Drug Plans (Part D) We help you find a plan that covers your medications at the lowest cost and works with your preferred pharmacy. 4. Supplemental Insurance Even with a strong Medicare plan, you may want added protection. We offer: •Cancer insurance for diagnosis-related costs •Hospital indemnity plans that provide a cash benefit for overnight stays •Accident and critical illness policies to bridge financial gaps during emergencies Don’t Forget Dental and Vision Coverage Original Medicare doesn’t cover routine dental or vision care. That’s why we offer standalone dental and vision insurance plans that help with cleanings, exams, glasses, and even unexpected procedures like root canals or eye surgeries. Who We Serve While we're based in Spokane, we proudly serve clients across: •Washington •Oregon •Idaho •Montana •Arizona •Texas •New Mexico We provide personalized, one-on-one support—whether you prefer to meet in person, over the phone, or via Zoom. Why Clients Trust Five-0-Nine Insurance •We’re local. Our team understands regional providers and healthcare trends. •We’re experienced. Our licensed agents are highly trained and stay current on policy changes. •We’re independent. That means more options—and unbiased recommendations. •We’re no-pressure. Our consultations are always free, and we only suggest what truly fits your needs. Peace of Mind Starts Here Whether you're turning 65, helping a loved one enroll, or simply reviewing your current plan, Five-0-Nine Insurance is here to help. We’ll guide you through every step of the process—answering questions, comparing benefits, and making sure you feel confident in your choices. From Medicare to health, life, dental, vision, supplemental, cancer, and hospital indemnity insurance, we’re your lifelong partner in protection. Let’s make insurance simple, personal, and powerful. Schedule your free consultation today.