📍 Serving Pierce County & Western Washington · Free Educational Tool · No Obligation
Turning 65 & Pre-Medicare in Washington

Turning 65 in Washington?
Get Honest, Friendly Answers About Medicare.

Confused about whether to enroll in Medicare now — or if you can safely wait? Answer 4 plain-English questions and get a clear, personalized result in under 2 minutes. Serving Tacoma, University Place, Lakewood, Puyallup, Gig Harbor and all of Pierce County.

Start My Free Check — 2 Minutes Talk to Michael — No Pressure

✓ 100% Free · ✓ No Obligation · ✓ Local WA Licensed Agent

📞 (253) 880-6527  ·  Call Michael Directly
✓ 100% Free & Educational
✓ No Obligation, Ever
✓ Local WA Agent
✓ Under 2 Minutes
👤
Michael Gurr · Licensed Medicare Agent University Place, WA  ·  Bankers Life  ·  (253) 880-6527
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When do you turn 65?

Choose the month and year of your 65th birthday — this helps determine your Medicare enrollment window.

Are you currently still working?

Part-time and full-time both count. This is about your current employment status.

Do you have health insurance through your current employer?

This means coverage through your own active job — not a spouse's plan, not COBRA, not retiree coverage.

Roughly how many employees does your company have?

Company size affects whether Medicare or your employer plan pays first — it matters more than most people realize.

Last step — get your personalized Medicare answer.

Leave your name and best contact info and Michael will personally follow up with answers tailored to your situation. This is 100% optional — you can skip and still see your result.

🔒 Your information stays private. Never sold, never shared.

📋 For Educational Purposes Only: This tool offers general Medicare guidance and is not a substitute for official advice. Medicare rules are complex and vary by individual situation. Always verify with medicare.gov or a licensed Medicare professional before making enrollment decisions. Late enrollment penalties may apply.

Ready to Get Clarity on Your Situation?

Michael Gurr is a local, licensed Medicare agent serving University Place and Pierce County. No pressure — just honest answers.

📍 University Place, WA  ·  Bankers Life  ·  Licensed in Washington
📞 Call Michael Now — (253) 880-6527 Talk to a local WA agent directly — no call center, no hold music 📋 Request My Free Medicare Review No-cost, no-obligation consultation — request online
Helping Washington Residents

Friendly Medicare Help for Washington Residents — No Pressure, Ever.

Hi, I'm Michael Gurr — a licensed Medicare agent based in University Place, WA. I help folks across Pierce County and Western Washington make sense of Medicare without the sales pitch. Whether you're turning 65, still working at 65, or just have a few questions, you can call or email and get plain-English answers from a real local person. Take your time. Ask anything. If Medicare isn't the right fit yet, I'll tell you so — that's a promise.

No-Pressure Conversations

Bring your questions. There's never a quota, a push to enroll, or a "today only" pitch. Just honest guidance from a neighbor.

Local Washington Agent

Based in University Place and licensed in Washington State. I know the carriers, the rates, and the local options — not a national call center.

100% Free Help

Free review, free questions, free second opinion. I'm only paid by an insurance carrier if you choose to enroll — and only if it's truly a fit.

Washington cities & areas served

Tacoma, University Place, Lakewood, Puyallup, Gig Harbor, Federal Way, Auburn, Kent, Olympia, Bonney Lake, Sumner, Fife, Steilacoom, Spanaway, Parkland, DuPont, Orting, Graham, Fircrest, Ruston — and all of Pierce County, Thurston County and South King County. Phone and video reviews are welcome from anywhere in Washington State.

"Take the time you need to make a confident Medicare decision. I'll be here when you're ready." — Michael

Free Pre-Medicare Review

Not Sure What You Need?
Request a Free Medicare Review.

Michael will personally walk you through what to enroll in, when, and how to avoid late-enrollment penalties — based on your exact situation. No cost, no pressure, no obligation. Just an honest local conversation.

Coverage and eligibility depend on location, age, underwriting, and carrier availability.

Request Your Free Medicare Review

Michael personally reviews every request. No cost, no obligation — just honest answers about turning 65, still working at 65, and whether you need Medicare yet.

🔒 Your information stays private. Never sold, never shared.

Medicare Questions Washington Residents Ask Most

Quick, plain-English answers. Need more? Call Michael at (253) 880-6527.

Do I have to sign up for Medicare at 65 if I'm still working?
Not always. If your employer has 20 or more employees and you have active employer health coverage, you can usually delay Medicare Part B without a late-enrollment penalty. If your employer has fewer than 20 employees, Medicare typically becomes the primary payer at 65 and you'll want to enroll. A quick free review can confirm your exact situation — no cost, no obligation.
What is the Medicare Part B late-enrollment penalty?
If you don't enroll in Part B when you're supposed to — and you don't have qualifying employer coverage — you may pay a 10% penalty for every 12 months you delayed. That penalty is added to your Part B premium permanently. It's a common, costly mistake, and it's avoidable with the right timing.
When is my Initial Enrollment Period (IEP)?
Your Medicare Initial Enrollment Period is a 7-month window around your 65th birthday: the 3 months before your birthday month, your birthday month, and the 3 months after. Enrolling early (in the 3 months before) usually means coverage starts the first day of your birthday month.
Can my spouse stay on my employer plan if I go on Medicare?
In most cases, yes — but the rules depend on your employer's plan. It's worth reviewing together so there's no coverage gap for either of you. Happy to walk you through it.
What Washington cities does Michael serve?
Michael is licensed in Washington State and based in University Place. He serves Medicare clients across Pierce County and Western Washington, including Tacoma, Lakewood, Puyallup, Gig Harbor, Federal Way, Auburn, Kent, Olympia, Bonney Lake, Sumner, Fife, Steilacoom, Spanaway, Parkland, DuPont, Orting, Graham, Fircrest, and Ruston. Phone and video reviews are welcome anywhere in Washington.
Is the free Medicare review really free?
Yes. There's no charge to talk, ask questions, compare plans, or get a second opinion. Michael is only paid if you choose to enroll in a plan through him — and there's never any pressure to do so. If Medicare isn't the right fit for you yet, he'll tell you.