Working Past 65? Understand Your Medicare Options

Name: Health Insurance Options LLC
Address: 820 South McClellan LL#10, Spokane, WA, 99204, US
Telephone: 509-353-0476
Price range: Free consultation

If you or your spouse are still working, Medicare decisions can be more complicated. Our local licensed agents help Spokane-area residents understand what questions to ask before deciding when and how to enroll.

Call 509-353-0476 Request Medicare Help

No-cost consultation. No pressure. Local Spokane guidance.

Who this page is for

Built for Spokane-area residents who want to understand Medicare timing while they or a spouse are still working.

You are turning 65 and still working

Your spouse has employer coverage

You are unsure about Part B timing

You contribute to an HSA

You want to compare employer coverage with Medicare options

Important questions to ask

These are some of the questions Spokane-area residents often want to sort through before deciding when and how to enroll.

Is my employer coverage considered creditable?

Should I enroll in Part A only?

When should I enroll in Part B?

How does Part D prescription coverage fit in?

Could delaying coverage create a penalty?

How does Medicare coordinate with employer coverage?

Should I speak with my HR/benefits department?

How we help

A local process built to help you understand your Medicare options without pressure.

Step 1

Review your situation and timeline

Step 2

Help you understand Medicare plan options

Step 3

Compare options from the plans we represent

Step 4

Help you prepare questions for HR/benefits

Step 5

Provide year-round support

Local Spokane trust

Work with a Spokane-based local agency.

Health Insurance Options LLC is a Spokane-based licensed independent insurance agency helping local residents understand Medicare plan options.

Our Spokane office is located inside the Providence Medical Building.

In-person and phone consultations are available for Spokane-area residents.

Call 509-353-0476 Contact Our Office

Request local Medicare help

Tell us a little about your timing and coverage questions. A licensed local agent can help you understand Medicare plan options and the questions to bring to your HR/benefits department.

Request Medicare Help

Share a few details and a licensed local agent will follow up to review your Medicare options.

We typically respond the same business day. There is no cost and no obligation.

Full name and either an email address or phone number are required.

Required fields

Your full name

Best phone number

ZIP code

Optional, but helpful because Medicare plan availability varies by ZIP code.

How can we help? (turning 65, comparing plans, helping a parent, etc.)

By submitting, you agree to be contacted by a licensed insurance professional about Medicare insurance options. We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Working Past 65 Medicare FAQ

Do I have to enroll in Medicare if I am still working?

Not always. Some people can delay certain parts of Medicare while they or a spouse still have qualifying employer coverage. The timing depends on the type of coverage and your situation, so it is important to review the details before deciding when to enroll.

Should I keep employer coverage or move to Medicare?

That depends on factors like premiums, provider access, prescriptions, and how your employer coverage works with Medicare. We can help you understand Medicare plan options and compare options from the plans we represent, while you confirm employer-benefit details with your HR/benefits department.

Can I contribute to an HSA after enrolling in Medicare?

HSA contribution rules can change once you enroll in Medicare. We can help you understand Medicare timing and plan options, but you should confirm HSA questions with your HR/benefits department and consult a tax professional.

What is creditable coverage?

Creditable coverage generally means coverage that is expected to pay, on average, at least as much as standard Medicare coverage in the area it applies to, such as prescription drug coverage for Part D. This matters because delaying coverage without creditable coverage can lead to penalties later.

Can you help me compare Medicare options if I am leaving employer coverage?

Yes. We can review your timeline, explain Medicare plan options, and compare options from the plans we represent as you prepare to leave employer coverage.

Helpful Medicare links

Explore related Medicare pages for Spokane-area residents.

Need help sorting out Medicare while still working?

Talk with a local licensed insurance professional in Spokane — no cost, no pressure.

Call 509-353-0476 Email Us

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