Short answer: Pick an independent agent (many carriers, not one), licensed in Washington, local to Pierce County, who costs you nothing, and who's still there after you enroll. Below are the exact questions that separate a good agent from a sales pitch.
If you're turning 65 in Tacoma, Puyallup, Lakewood, or anywhere in Pierce County — or you're already on Medicare and tired of the mailers and robocalls — the single best move is finding one agent you trust. Here's how to pick well.
1. Independent beats captive — almost always
A captive agent works for one insurance company and can only sell you that company's plans. An independent agent represents many carriers and compares them for you. That difference matters: your doctors, your medications, and your budget should decide your plan — not which company signs the agent's paycheck.
Ask directly: "How many carriers do you represent?" If the answer is "one," you're getting a sales pitch, not a comparison.
2. It should cost you nothing — really
Medicare agents are paid by the insurance carriers, and the premium is identical whether you enroll on your own or with help. Anyone charging you a fee to "find you a plan" is not operating the way the system is designed. Free guidance is the standard, not a gimmick.
3. Local knowledge is the quiet advantage
A Tacoma-area agent knows which provider networks actually work at MultiCare and CHI Franciscan, understands Washington's enrollment rules, and can meet you by phone, video, or in person. When you need to compare a plan against your specific pharmacy and prescriptions, that local, hands-on check is where a good agent earns their keep. See how we work in Tacoma, Puyallup, Lakewood, and across Pierce & King County.
4. The questions to ask before you commit
- How many carriers do you represent?
- Will you check my current doctors and medications against each plan?
- Are you licensed in Washington, and what's your NPN?
- Who do I call after I enroll — you, or a 1-800 number?
- Do you help with Advantage, Supplement (Medigap), and Part D — or only some?
The answers tell you everything. A good agent welcomes these questions.
5. Year-round support is the real test
Enrollment is one day; the plan is 365. The agents worth keeping are the ones who pick up the phone in March when a claim gets denied, or in September when your drug plan changes for next year. Ask who you'll actually reach after you sign.
Talk to a local, independent Medicare agent — free.No pressure, no cost, English & Español. Serving Tacoma & all of Pierce County. Call (253) 453-5885 or book online →iCoach Solutions is an independent insurance agency serving Pierce & King County, Washington. We do not offer every plan available in your area. Not affiliated with or endorsed by the U.S. Government or the federal Medicare program.