Meet Your Local Medicare Team in Spokane

Licensed insurance professionals helping Spokane-area residents compare Medicare options — at no cost.

Health Insurance Options LLC is a locally owned, licensed independent insurance agency based in Spokane, WA. Our team of licensed insurance professionals is dedicated to helping Spokane-area residents understand and compare Medicare options — including Medicare Advantage, Medicare Supplement, Medicare Part D, and supplemental insurance — with friendly, no-pressure guidance.

Every member of our team lives and works in the Spokane community. When you call us, you are talking to a neighbor who knows the local healthcare landscape, the area's carrier networks, and what matters most to people here. We offer no-cost consultations and stay available year-round — not just during enrollment season.

Our team has over 40 years of combined Medicare-related insurance experience. Whether you are turning 65, retiring, moving off an employer plan, or simply reviewing your current coverage, we are here to help you review plan choices and find coverage that fits your needs.

Our Team

Our Spokane team includes licensed insurance agents, office support, and a retired team member whose clients can still reach out through our office for help.

Photo of Lynn Wold, Founder & Licensed Insurance Agent

Lynn Wold

Founder & Licensed Insurance Agent

Helping Spokane residents with Medicare

Lynn began her insurance career in 2010 and formed Health Insurance Options in 2012. A Washington native, Lynn brings a caring, practical approach to helping Spokane-area residents understand their Medicare options.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Local Medicare Guidance
Photo of Craig Lenhart, Licensed Insurance Agent

Craig Lenhart

Licensed Insurance Agent

Helping Spokane residents with Medicare

Craig brings more than 30 years of executive management and organizational leadership experience to his work with Medicare clients. He enjoys using a servant-leadership approach to help people compare options and feel more confident in their coverage decisions.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Plan Reviews
Photo of Meg Shumaker, Licensed Insurance Agent

Meg Shumaker

Licensed Insurance Agent

Helping Spokane residents with Medicare

Meg began her insurance career in 2018 after working with the Associated Press for several years. A Spokane native, she is committed to helping clients understand Medicare and make well-educated decisions about their health care needs.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Supplemental Insurance
Photo of Rose Records, Licensed Insurance Agent

Rose Records

Licensed Insurance Agent

Helping Spokane residents with Medicare

Rose has been in the insurance industry for more than 15 years and joined Health Insurance Options in 2022. She enjoys helping others and brings a friendly, service-minded approach to Medicare conversations.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Client Support
Photo of Sheryl Manchester, Licensed Insurance Agent

Sheryl Manchester

Licensed Insurance Agent

Helping Spokane residents with Medicare

Sheryl began her sales career in 1991 and spent 26 years traveling throughout the United States and Canada for work. In 2017, she moved into business for herself in real estate and insurance, where she found a strong fit helping people through important decisions.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Coverage Reviews
Photo of Karen Speerstra, Retired

Karen Speerstra

Retired

Retired

Retired — contact our office for assistance

Karen Speerstra is retired, but her clients can still contact the Health Insurance Options office for assistance. She joined the insurance industry in 2009 and found great satisfaction in meeting and helping others.

  • Retired
  • Client Support
  • Local Service
Photo of Karen Christensen, Office Coordinator

Karen Christensen

Office Coordinator

Helping Spokane residents with Medicare

Karen Christensen joined the Health Insurance Options team in April 2016 as Lynn Wold’s personal assistant and the friendly face at the front desk. She helps keep the office organized and supports clients and agents with a warm, helpful approach.

  • Client Scheduling
  • Office Support
  • Local Client Service
Photo of Devon West, Owner & Licensed Insurance Agent

Devon West

Owner & Licensed Insurance Agent

Helping Spokane residents with Medicare

Devon created Medicare Saving Solutions to help people on Medicare make confident, informed decisions about their health plan options. He focuses on educating people who are turning 65, helping clients compare options from the plans represented, and continuing to serve as a resource year after year.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Turning 65
  • Plan Reviews
Photo of Denise Chan, Co-Owner & Licensed Insurance Agent

Denise Chan

Co-Owner & Licensed Insurance Agent

Helping Spokane residents with Medicare

Denise Chan is a dedicated insurance agent focused on Medicare health insurance. Her background in customer service helps her guide clients with patience, care, and attention to detail.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Client Support
  • Plan Reviews
Photo of Kristi Wright, Licensed Insurance Agent

Kristi Wright

Licensed Insurance Agent

Helping Spokane residents with Medicare

Kristi Wright helps clients understand Medicare options in a way that feels approachable and organized. She is known for being knowledgeable, friendly, and patient while helping people compare coverage choices.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Prescription Reviews
  • Plan Reviews
Photo of Cathy Franklin, Licensed Insurance Agent

Cathy Franklin

Licensed Insurance Agent

Helping Spokane residents with Medicare

Cathy Franklin helps clients review Medicare options with patience, clarity, and care. She is known for answering questions thoroughly and helping people feel more confident about their coverage decisions.

  • Medicare Advantage
  • Medicare Supplement (Medigap)
  • Medicare Part D
  • Supplemental Coverage
  • Client Support

Why Local Medicare Guidance Matters

We know your area's plans

Plan availability, networks, and benefits vary by county. Our team works specifically in Spokane County and Eastern Washington, so we know which plans are available here and how they compare.

Your doctors and pharmacies matter

We help you review whether your current providers are in-network on the plans we represent — so you are not surprised after you enroll.

Prescription review at no cost

Bring your medication list. We can help you compare how Medicare Advantage and Part D plans we represent would cover your drugs, including preferred pharmacies and estimated costs.

Available year-round

Medicare questions don't only come up in October. Our team is available Monday through Friday, year-round, for plan changes, billing questions, and Annual Enrollment reviews.

No-cost, no-obligation

Our consultations are always free. We are paid by the insurance carriers we represent — your premium is the same whether you enroll through us or on your own.

Independent guidance

We are not affiliated with any government Medicare program. We represent multiple carriers so we can help you compare options rather than push a single plan.

Ready to Talk With Our Team?

No cost, no pressure — just straightforward Medicare guidance from local Spokane professionals.

Mon – Fri, 9:00 AM – 5:00 PM Pacific. We typically respond the same business day.

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