Almost 65? We can help you enroll in Medicare!

Our local Medicare consultants can walk you through a FREE step-by-step process for Medicare enrollment options, and help you choose Medicare insurance plans to supplement and maximize your basic Medicare benefits.

509.494.4288  •  800.940.3657

Offices in Yakima, Bothell, and Walla Walla

Here is a quick tutorial on how to use this page to enroll in Medicare

Pick which option applies to you:

Option 1

“I don’t or will not have employer insurance and I’m turning 65.

You qualify for your initial enrollment period for Medicare Parts A and/or B.   This is a 7 month rolling window based on your birthday month.  This period includes 3 months prior to the month you turn 65, the month of your birth and 3 months after.  Please note if you were born on the 1st day of the month, your 7 month window starts a month earlier.  In most cases, you will want to enroll for both Medicare Part A and B.

On average, Medicare Enrollment takes 2-4 weeks to process. If you are already on Social Security your enrollment is automatic, you do not need to apply and you will receive a Medicare card automatically.

Note: Different dates may apply if you are under age 65 and if you have been on Social Security Disability for at least 24 months.

Sign-up for Medicare Online

Option 2

“I am past age 65 and 3 months and have had credible employer heath insurance. I’m getting ready to retire, or have recently retired and my 7 month initial enrollment window has passed.”

If your 7 month initial enrollment window has passed, and you currently have employer health insurance (or have had it within the last 8 months), you will need to complete a paper Medicare Part B application.  Also your employer must complete the Medicare Employer Verification form. (Both forms are below.)

We recommend obtaining the completed original Employer Verification form and faxing it directly to your local social security office along with your application for Part B.  Always keep originals.   It is highly recommended that you call your local Social Security office about 3 days after you have faxed your paperwork to verify that they have received all of your documents.  The phone number can be found on the link below for your local Social Security office.

Download Medicare Part B Application
Download Employer Verification Form

Confused, have questions or need help?  Contact us!

We are available for phone appointments, video calls, or face-to-face appointments.

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  1. If you continue working and your employer has fewer than 20 employees you will mostly likely be required to apply for Medicare A and B.  Check with your employer to verify and go to Option 1.  (A few employers don’t require both Medicare A and B but we recommend you apply anyway.)
  2. If you plan to delay Medicare Part B due to employer insurance we highly recommend that you still apply for Part A only within your 7 month initial window.   Part A is usually free.  (Apply using sign-up on Option 1 above and choose Medicare Part A only.)
  3. If you have VA benefits, you may choose not to apply for Medicare benefits, however many people still do.  Please contact us to discuss your situation.
  4. If you are contributing to an HSA account you will no longer be able to contribute to it if you sign-up for Medicare Part A.

Helpful Resources:

Medicare Part B Premium Costs

If you are already on social security, the cost for Part B (doctor’s appointments/outpatient care) will be automatically deducted from your social security check.

If you are not yet on social security, you will receive a bill for Part B coverage in the mail every three months. The amount you pay depends on your income. For 2023, most people will pay $164.90/month. However, if your income is higher, you may pay more.

See the Cost Chart for Part B on the official website.

2 Paths to Medicare Benefits

After you apply for Medicare or enroll, you have two options for additional coverage:

Medicare Supplement Insurance (Medigap)  and/or Medicare Part D


Medicare Advantage Plan

There are two ways to get additional Medicare benefits. Our favorite chart simplifies the choices.

Medicare Choices - Options for Yakima Seniors

The 10 Standardized Medicare Supplement Plans (Medigap)

There are 10 Supplement plans that are offered by different companies.  The plans are the same across the country in what they offer, but the costs will differ, depending on the company that you get the plan through.

Let’s look at the Supplement Plan Options.

Medicare Supplement Plans in Washington State

Compare the two most popular plans.

Medicare and You book for 2020

Medicare & You Handbook

In the fall of each year, all Medicare recipients will receive an official Medicare & You handbook detailing all the options available for Medicare for the next year.

Download 2023 Medicare & You Handbook – English

Other languages and formats for download can be found on the official website.

Medicare and You book for 2023