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.

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

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

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

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

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

Karen Speerstra
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

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

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

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

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

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.
