Medicare and Health Insurance
Providing trusted guidance backed by 35 years of experience
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why choose Richard L. Miller?
35 Years of Industry Experience
Richard brings 35 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
Born and raised in Ohio, I relocated to Yakima, Wa via the US Navy in 1979. I began my insurance career in 1991 with Northwestern Mutual, and after 20 years, established my own agency to specialize in Medicare. 2027 will mark my 35th year working in the insurance industry.
My business philosophy is straightforward; I treat my clients in the same way that I hope to be treated when I’m the client. Be welcoming, respectful, be available, explain things in plain language, and above all show gratitude and humility to those who think enough of you to seek your advice & counsel.
I’m married to Tillie, and we have 3 (outstanding) adult children & 4 (wonderful) grandchildren. No matter what I’m remembered for, they are my legacy. We spend time outside of work traveling, going out to dinner (way too much) and hanging out on the back porch. Whatever the future has in store for me I remind myself daily that the foolish man looks for happiness in the distance, but the wise man grows it under his feet.
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, WA
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, WA, and the surrounding valley communities rely on Richard L. Miller 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, WA keep returning because we stay reachable long after enrollment closes. Coverage decisions are personal, and so is our approach. Richard L. Miller 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 begin the Medicare enrollment process?
Your Initial Enrollment Period starts 3 months before the month you turn 65, includes your birthday month, and runs for 3 months after. Signing up in the first 3 months keeps your coverage starting on time.
How do I enroll in Medicare?
If you already receive Social Security benefits, you are enrolled in Parts A and B automatically. Otherwise, you can sign up three ways: online at the Social Security website, by phone with Social Security, or in person at your local Social Security office. Once you are enrolled in original Medicare, call Richard L. Miller for guidance on supplements, Advantage plans, and drug coverage.
If I'm still working, do I need to enroll in Medicare?
It depends on your employer's size. If your employer has 20 or more employees and you are covered through your own or your spouse's active employment, you can usually delay Part B without a penalty. If the employer has fewer than 20 employees, Medicare is usually your primary coverage and you should enroll. Part A has no premium for most people, so many choose to take it. If you contribute to a Health Savings Account, you must stop contributing before Medicare begins. Call us to review your situation.
Is there a penalty for late or non enrollment?
Yes. For Part B, the premium goes up 10 percent for each full 12 months you were eligible but did not enroll, and that increase lasts as long as you have Part B. Part D carries a similar penalty of 1 percent per month without drug coverage. If you miss your window, you may also have to wait for the General Enrollment Period (January 1 to March 31) and coverage starts the following month.
What is the difference between Medicare parts A, B, C, and D?
Part A covers hospital care. Part B covers doctor visits and outpatient care. Part C, also called Medicare Advantage, is a Medicare approved private plan that includes all of your Part A and B benefits, and often more. Part D covers prescription drugs. Parts A and B together are called original Medicare.
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
