Medicare, Private Insurance and Retirement Planning With A Personal Touch
Central Washington's trusted guidance backed by 35 years of experience
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why choose Richard L. Miller, LLC?
30 Years of Industry Experience
Richard brings 30 years of experience in insurance, Medicare, and financial services. He approaches each client’s needs with precision, personal care, and deeply rooted integrity.
Dedicated Client Advocacy
The team takes a family-oriented, people-first approach and works hard to address challenges. Clients receive continued assistance with billing concerns, provider networks, coverage questions, and other insurance-related issues.
Local Knowledge and Bilingual Assistance
The team offers Spanish-speaking assistance and understands local medical organizations, provider networks, retirement communities, and healthcare resources. Established community partnerships allow the team to connect clients with helpful local support.
Responsive and Welcoming Service
Clients can count on a responsive team for timely answers, guidance, and continued support. The office provides a warm, welcoming atmosphere where clients can comfortably ask questions and build lasting relationships.
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ABOUT US
welcome to Richard L. Miller, LLC
Richard L. Miller, LLC helps individuals, families, seniors, and employers make informed insurance and financial decisions. Based in Yakima, Washington, the team offers Medicare planning, private health insurance, employer group health plans, dental and vision coverage, long-term care insurance, life insurance, and retirement planning. With 35 years of industry experience, Spanish-speaking assistance, strong client advocacy, and extensive knowledge of local provider networks, the team serves clients throughout Washington and in other states where properly licensed.
Services We Offer
MEDICARE PLANNING
Turning 65 brings deadlines that are easy to miss. We explain eligibility timelines, enrollment windows, and plan differences, then help you choose coverage matching your doctors, medications, and budget. Call us before deciding.
MEDICARE SUPPLEMENT INSURANCE
Original Medicare leaves gaps, and those gaps get expensive. Medigap helps cover deductibles, copays, and coinsurance. We explain how the standardized plan letters differ and which option suits your health situation and budget.
MEDICARE ADVANTAGE PLANS
Part C bundles hospital, medical, and often prescription coverage into one plan. Networks and out-of-pocket limits vary widely, so we review the options we offer and verify your providers participate before you enroll.
MEDICARE PRESCRIPTION DRUG PLANS
Part D pricing depends on formularies, tiers, and pharmacy networks, so identical medications can cost wildly different amounts. Bring your prescription list and we will compare how each plan we offer handles it.
PRIVATE HEALTH INSURANCE FOR INDIVIDUALS UNDER 65
Early retirees, self-employed workers, and families between jobs still need dependable coverage. We review ACA Marketplace and other individual options, check subsidy eligibility, and match deductibles to how your household actually uses care.
EMPLOYER GROUP HEALTH INSURANCE
Rising premiums and rising expectations put small employers in a tough spot. We consult on group plan design, compare carrier quotes, explain contribution strategies, and handle the enrollment questions your employees bring us.
DENTAL INSURANCE
Cleanings are affordable. Crowns and dentures are not. We help individuals, families, and seniors find standalone or bundled dental coverage, watching annual maximums, waiting periods, and whether your dentist participates in the network.
VISION INSURANCE
Exams, lenses, frames, and contacts add up fast. We compare vision plans covering routine care and eyewear allowances, alone or packaged with dental, so the benefit matches your family's real usage each year.
LONG-TERM CARE INSURANCE
Extended care drains savings faster than most families expect. We explain traditional and hybrid policies, what triggers benefits, and how elimination periods and daily limits work while premiums are still reasonable for you.
LIFE INSURANCE AND RETIREMENT PLANNING
Protecting your family and preserving what you built belong in one conversation. We review term and whole life coverage, annuities, and retirement income strategies, then shape an approach around your goals and timeline.
MEDICARE PLANNING
Turning 65 brings deadlines that are easy to miss. We explain eligibility timelines, enrollment windows, and plan differences, then help you choose coverage matching your doctors, medications, and budget. Call us before deciding.
Clear Insurance and Retirement Guidance in Yakima, Washington
Insurance should never feel like a guessing game. For more than 35 years, our team has guided individuals, families, seniors, and employers through Medicare, private health coverage, group benefits, dental, vision, long-term care, life insurance, and retirement planning. Clients across Yakima, Washington, and the surrounding valley communities rely on Richard L. Miller, LLC for straight answers, Spanish-speaking assistance, and knowledge of local provider networks. We are licensed here and in other states, so your coverage travels with you. No pressure, no jargon, just clear guidance you can act on. Call us or fax (509) 823-4078, and let us help you plan for your health.
Plan For Your Health With People Who Answer the Phone
The right plan protects you. The wrong one costs you for years. That difference is why we sit down with every client, listen first, and explain options in plain language, in English or Spanish. Families and business owners throughout Yakima, Washington keep returning because we stay reachable long after enrollment closes. Coverage decisions are personal, and so is our approach. Richard L. Miller, LLC will tell you honestly when something is not a good fit. Call us, visit the office, or fax (509) 823-4078, and let us help you plan for your health.
frequently asked questions
When should I start looking at Medicare if my 65th birthday is coming up?
Begin six months out. Your enrollment period opens three months before your birthday month and closes three months after it. Starting early gives you room to compare doctors and medications without rushing. Call us and we will map your timeline.
What is the difference between a Medicare Supplement plan and a Medicare Advantage plan?
Both solve the same problem differently. A Supplement works alongside Original Medicare, helping with deductibles, copays, and coinsurance. An Advantage plan bundles your benefits into one plan with its own network. Which fits depends on your doctors, travel, and budget.
Does working with a broker cost me more than going directly to an insurance carrier?
No. Carriers set premiums, and they are identical whether you enroll alone or through our office. The difference is having someone compare the options we offer, explain the fine print, and answer your call in month eight of the year.
Can Richard L. Miller, LLC help me compare Part D options if I take several prescriptions?
Yes, and it is one of the most useful things we do. Bring a current list of medications and dosages. Drug plans price identical prescriptions very differently, so a side by side review often changes which option makes financial sense.
What happens if I miss my initial enrollment period for Medicare?
You may have to wait for a general enrollment period and carry a late penalty afterward. Exceptions exist, including special enrollment periods tied to employer coverage. If you think a deadline slipped past, call our office right away for review.
SERVICE AREA
Proudly Serving ALL OF Washington
- Yakima, WA
- Richland, WA
- Kennewick, WA
- Walla Walla, WA
- Selah, WA
- Sunnyside, WA
- Pasco, WA
- Moses Lake, WA
- Prosser, WA
- Toppenish, WA
- Grandview, WA
- Ellensburg, WA
