Seattle Area, King County WA’s
#1 Choice For Medicare Planning!
Are you nearing age 65 or looking to retire and wondering if you need to sign up for Medicare, while worrying about how to avoid late penalties?
Don’t rely on assumptions or risk your financial future by doing things on your own!
Hi, I’m Scott Crow! I help regular people turning 65 or new to Medicare in The Greater Seattle Area feel more confident understanding new, challenging and confusing Medicare rule changes so they are better protected and prepared from common and costly mistakes that others continue to accidentally make doing the wrong things without even knowing It.
I have authored a book that specializes in planning for Medicare in King County, WA. I am the only local, authorized agent allowed to offer the FREE, nationally recognized, 5-Star Rated Medicare SmartStart Program ™ for residents in King County, WA.
There’s no other Medicare planning experience in the area where everything required, from start to finish, is done for you, and all at no cost!
Now, I’d like to help you, too!
Insure and Retire of King County, Washington (Based In Renton, WA) is the area’s top Medicare planning service for residents in Algona, Auburn, Bellevue, Black Diamond, Bothell, Burien, Carnation, Clyde Hill, Covington, Des Moines, Duvall, Enumclaw, Federal Way, Issaquah, Kenmore, Kent, Kirkland, Lake Forest Park, Maple Valley, Medina, Mercer Island, Milton, New Castle, Normandy Park, North Bend, Pacific, Redmond, Renton, Sammamish, Seatac, Seattle, Shoreline, Snoqualmie, Tukwila, Woodinville and all surrounding Areas of King County, Washington.
Whatever step you’re on for starting Medicare, we offer local, qualified help from real people for free! Some common questions we get are: If I’m turning 65 when should I signup for Medicare? If I already have health insurance from my employer or spouses employer do I still need to sign up for Medicare? How do I sign up for Medicare parts A & B? How do I sign up for Medicare Part B If I already have part A?, And the top concern most people have is: Will I have a penalty if I sign up for Medicare after I turn 65?
If you’re looking for clear, creditable advice and correct answers then let us prove how we can help take away the stress of dealing with the time consuming and challenging task others complain about and put our reputation to the test!
We Are The Only Approved Agency Offering The Free Medicare SmartStart Program™ In The Area
The Medicare SmartStart Program™ is a FREE, 5-star rated, nationally recognized planning service that assists those turning 65 understand the new, confusing THREE (3) RULE CHANGES made to starting Medicare part A and B benefits, where for the first time in history is causing more people to make common and costly mistakes, all accidentally because they weren’t told, or know what is wrong:
- The new rules and requirements for all Medicare Part A and B applications submitted after September 18, 2021
- The new laws and legislation passed by Congress hidden in the 4 part Consolidated Appropriation Act (CAA, between 2021-2024, which made significant changes to the Medicare penalty period deadline with major differences to what is considered to be eligible as “creditable coverage”, especially for younger spouses or if you will be working past 65 and waiting to collect Social Security benefits until later in life
- The new procedures and process passed by Congress that were written into the Inflation Reduction Act (IRA) effective in January 2025, that allowed Social Security offices across the county to significantly reduce and restrict any in-person appointments for Medicare Part A and B applications, leaving legal US citizens lost and alone, forced to figure out how to complete this challenging task correctly on their own.
Learn more about how our Free Medicare SmartStart™ Program can get everything done, done correctly, and done on time -For You- so you have the confidence to avoid making any of the common mistakes and never mess anything up, plus prevent and protect yourself from paying a costly permanent late penalty at 65, or anytime after. See more at https://www.insureandretire.com/program
10 MAJOR REASONS TO WORK WITH US:
1. We are a service based company as opposed to sales based which provides less risk to you.
We don’t act like “salespeople”. We make a controlled and concerted effort to offer you educational information first and foremost. We don’t try to convince you why you should buy this or that, we ask you to share your situation so that we can then help you decide whether or not you need to do anything with Medicare at age 65 or not, what needs to be done and when to do it, meaning there is no way anything will be done wrong, without question.
2. Save yourself your time and sanity from the challenging task many continue to complain about.
Rather than attempting to do everything on your own, at home, alone, online, or suffer through the stress of calling Social Security and waiting on hold for hours just to talk to robots on the phone, we will give you accurate answers and advice the old fashioned way, with a real human, in person right here in the surrounding Seattle area. Enjoy letting us handle everything for you that Medicare requires, done for you, done right and done on time so you aren’t forced to figure out the fine print or tackle anything on your own.
3. Convenient times to work with your schedule.
We realize many people are still actively employed and working either full or part time, so we have the ability to work with your schedule as needed including Saturdays by appointment.
4. Pre-Set, Pre-Scheduled Appointments
Our time together will usually take about an hour, and having a pre-set, pre-scheduled appointment allows us to be better prepared for you and your needs, which means better use of your time with no interruptions or distractions. All our attention is on you.
5. Accurate answers and advice to the #1 question you should be asking.
It’s becoming more common for Baby Boomers to choose working past age 65, waiting until “full retirement” age to collect Social Security, but are now needing to know if they should sign up for Medicare at age 65, or will they pay a penalty if they wait until later in life.
You won’t know what to do for sure until we get together side by side and conduct a full assessment of your current healthcare costs vs what going to Medicare would look like for you. PLUS, we will show you the legal way to protect yourself from a future late penalty if it does make sense to wait to go on Medicare.
*NOTE that for the majority of people Medicare is far less expensive per month and provides better coverage and benefits that save you more money!
6. Consistent communication so you don’t have to worry or wonder
If you attempt to get on Medicare yourself, either online or over the phone, you will not receive any sort of follow-up during the application process, which leaves most people anxious and annoyed, wondering and worrying how things stand and what’s happening.
We are proud of the fact that this does not and will not happen when you work with us!
We personalize a Medicare timeline just for you and a To Do list based on your situation and create a custom checklist, so you have clear expectations of what’s ahead, step by step, from start to finish without question.
Our goal is to provide you with peace of mind so you can sleep more soundly without Medicare keeping you up at night!
7. We have sophisticated and specialized cost comparison software
The only way to make better, more informed decisions is to have better information. We have found that people that make guesses about choosing their Medicare coverage always pay more and get less than they should be getting.
If you want impartial advice on how to get the best bang for your buck, don’t ask a biased insurance company salesperson that only has one company they represent. Ask a computer.
Our Medicare plan comparison software analyzes your current doctors, health conditions, drugs, preferences and priorities to compare the cost of coverage, coinsurance and copays between several different private plans so you can get all your shopping and comparisons done at one place. You’ll get instant real-time results showing the top 3-4 choices where you get more and pay less allowing you to keep the most money in your pocket!
8. Coordinating your current healthcare coverage ending and Medicare starting
If you sign up for Medicare by yourself the worst thing that can happen is messing up something or making a mistake that causes a delay with your Medicare benefits starting after your current healthcare coverage will end. We don’t want you to have gaps in coverage, a lapse, or go uninsured because of something you assumed. And, possibly worse, we want you to avoid the costs of having to purchase very expensive COBRA coverage at any time.
That’s why when you work with us and rely on our FREE Medicare SmartStart Program™ we won’t only fill out and file all of your Medicare Part A and B forms FOR YOU, but we’ll also do the difficult hard work behind the scenes and coordinate your coverage for you! We even have DIRECT contacts at Social Security to provide special support so instead of waiting the normal 3 months for an application approval, our turnaround time can be as fast as 3 weeks and sometimes just 3 days!
9. We are a truly Independent Agency
When you choose who to work with for your Medicare planning it’s important to know how to make the right choice and if you end up dealing with an Insurance company employee (who is biased and can only offer one product) or broker who must meet a monthly quota, could be bribed or bonused or bought-off, and will pressure you to go with a certain companies coverage that’s not in YOUR best interest, but rather what’s in the best interest of THEIRS.
We work as independent contractors and are paid a fixed fee-for-service set by CMS (Center for Medicare Services), which is irrelevant of the plan you pick or the company you choose. You know our research, reviews and recommendations are always honest because we only make our money based purely on how many people we help. We have no conflict of interest, no influence or incentive with any Insurance company.
10. Our services are 100% FREE and GUARANTEED!
We stand firmly behind what we say we will do and do what we say and understand in this world it’s understandably difficult to overcome suspicion and skepticism regarding anything to do with Medicare since you might be fearful of being scammed.
We’d like the chance to earn you trust and prove that we can and will exceed your expectations and we’re willing to put our reputation to the test.
Because our educational program is 100% Free, what we can offer you is this:
After we meet if you believe your time was wasted and our time together was not valuable at all, just look us in the eye and let us know and we’ll write a check for $100.00 to the charity of your choice before you leave, no questions!
We 100% GUARANTEE you a frustration-free Medicare experience!
From The Owner, Scott:
Let Us Take The Stress Away Of Trying To Tackle Medicare On Your Own
so you can feel confident knowing what to do
Dealing directly with Medicare can be difficult. You’ll quickly realize most Medicare mail you see or are sent is not useful information. In fact, it’s mostly marketing solicitations trying to sell you something, leaving you more confused and concerned, or even clueless. I’m sure you have questions and likely aren’t even sure where to start.
With Social Security offices now restricting in-person Medicare application appointments, you’re left, lost and alone, to fend for yourself and figure out all the fine print about the new rule changes and requirements.
And worse, the instructions found online are old and outdated and often incomplete or incorrect causing everyday people who’ve worked hard, paid their fair share of taxes and played by the rules, to make critical mistakes. Mistakes that if made, force you to pay expensive penalties, permanently increasing your Medicare price for life, and that’s not fair or your fault!
The help you thought you would have is no longer there and I’ve made it my mission to help people and families go from feeling confused or concerned (even clueless) to certain and confident knowing exactly what to do with Medicare, and when, without ever having to take a risk, or roll the dice, relying on assumptions, wondering and worrying if what you’re doing is right.
You don’t have to spend your limited free time at home or be alone making assumptions or trying to do this yourself. Trying to figure out all the fine print with Medicare can be very stressful.
Confidently knowing what to do with Medicare, and when, is THE KEY to preventing common mistakes and protecting yourself from paying a late penalty for LIFE, and only my Medicare SmartStart Program™ will show you how!
If you don’t want to deal with Medicare directly and don’t have the time and want a BETTER and SMARTER time saving solution to save you hours of your on time with trial and error, so that you know, without question that everything is done, done on time and done right, then let me put my 3 Step Medicare SmartStart Program™ to work for you, all for FREE, and get everything done for you expertly without having to do much of anything else other than ask.
Let me take away all the stress of trying to tackle Medicare on your own.
Scott Crow
Owner & President
Insure and Retire
Medicare SmartStart Program™ of King County, Washington
Click the BIG YES!
FREE Medicare Planning Book By Scott Specifically For The Greater Seattle Area
Learn smarter, time-saving steps proven to help you sign up for Medicare Stress-Free At age 65, or anytime after.
Located In Renton, Washington, we offer all the information you need to help you plan for Medicare. We understand that each person and plan is different. What’s right for your neighbor or even for your spouse may not be right for you. We’ll help you go over all your available options and clear up all points of confusion.
Start by requesting my free book BY CLICKING HERE to be sent to you to help you in understanding the Medicare planning process where you’ll learn the important basics and then for more in-depth information read through the content of this site and connect with me for free assistance.
You can feel confident knowing what to do with Medicare and I can take away the stress of trying to tackle this on your own.
Let me put my proven 3-Step Medicare SmartStart Program™ to work for you, for FREE, and get everything expertly Done For You without you really having to do much of anything except ask.
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Navigating the complex world of insurance can be frustrating. We’re here to make it easy and be a resource you can depend on year after year.
