From: Andrew L Hibbard
There is a big difference between knowing you need to do something about Medicare because you'll soon be 65...
...and feeling confident that you know exactly what Medicare requires you to do, when you need to be doing it, and where it all needs to be done (wouldn't you agree?)
As a former Medicare Industry Insider, I had the rare opportunity to work behind-the-scenes at one of the largest Medicare Health Insurance Companies in the entire country (on the Fortune 100 list and you would know by name if I mentioned it).
I was able to see hundreds of data files from residents in Erie County trying to find a pattern of what made some people have a smooth and simple move to Medicare, while others struggled and made costly mistakes.
As you can imagine, this was NOT a quick or easy process.
I was able draw alot of connections, but alot of them lead me into some big "dead ends... "
But then something cool happened...
I found that a smooth and simple move to Medicare had almost NOTHING to do with:
But instead, it had everything to do with your ability to find the best information to rely on and your choices about:
Many people get defensive when they hear me say "ask an expert," because they think they can just figure out everything about Medicare on their own.
"But Andrew, I can just research what I need to do about Medicare at home."
For those who are thinking that, I want to remind you that you are busy. Pre-occupied with work. Aggravated with that dumb-dumb you have to deal with every day at the office. Tired. You don't really have the time or the energy (or the desire) to actually think about Medicare.
You need to recognize that the mass majority of people might have it wrong.
That just conforming to the way others do things thinking it must be a proven path to success might just be playing a giant game of monkey see - monkey do.
You see, everybody accepts Medicare will be confusing and that's the way it is. That Medicare is difficult to understand and you must suffer through it and struggle to figure it out on your own, like others have done, and continue to do.
But, keep in mind...
Just doing the same thing others do about Medicare doesn't make it smart...it only makes it common.
YES! In every case of signing up for Medicare at 65, it is only the ones who mastered how to ask for help who had a SMOOTH and SIMPLE move to Medicare! (and the confidence knowing things were done correctly, on time, and without errors)
I believe that you need a guide through today's "Medicare Maze"...
You've been paying into the Medicare-system from your paycheck, week after week, for the last few decades...
Now is the time to make sense of where all that money has gone and apply for all the benefits that you need, are entitled to, and deserve.
By asking for help, you are able to easily, simply and quickly make sense of Medicare BEFORE you need to sign up and get the results you are looking for.
Most people who are turning 65 and need to sign up for Medicare don't understand that asking for expert advice is the key to to actually feeling confident.
Your medical needs, how you plan to spend your time in retirement, and how to get the very best bang for your buck the very first time you sign up are exactly what I help hundreds of Erie County residents, just like you, deal with, week after week, all year long.
So whether you are:
...in today's Medicare Maze, you need an easy, simple and smart way to understand your medicare benefits, what to do about them, and how to make sure you don't get caught making the same common and costly mistakes with Medicare in WNY most others are making.
And, that's where a Medicare SmartStart Session will help!
If you had to bet your life on 100% certainty that you know what to do about Medicare and why, when to do it, and where to do it...would risk attempting to do-it-yourself?
In fact, it's most likely the worst way to go.
So, if you are confused about Medicare and don't want to mess it up, you need to schedule a Medicare SmartStart Session with me right now!
When you come in for your scheduled Medicare SmartStart Session with me, I will be sharing with you 31 essential questions you should be answering that most people never know to ask that will reveal exactly what you need to do with Medicare, when you need to do it, and where it needs to be done.
Here's a sneak peak at what you'll need to know when you come in for your FREE Medicare SmartStart Session:
If you're still on the fence about scheduling your FREE Medicare SmartStart Session with me, here's what others who used to be in your spot have to say now...
A carefully customized Medicare Smart Start Road Map Report will detail the exact directions you need to take when making your move to Medicare.
Your Medicare Smart Start Road Map Report will connect the dots for you based on:
This is the easiest, simplest, smartest way to guarantee you avoid any bumps or potholes in the road.
Since 20202, there has been a push by the Federal Government and the local Social Security offices for eligible beneficiaries for Medicare benefits to fill out and file their own Medicare application paperwork (yet, they don't give you any instructions or directions).
My Medicare Application Assistance service will complete the required forms for you, correct and errors if found, and submit on time.
Others will continue to struggle, wondering and worrying, waiting more than 3 months for approval from their snail-mailed Medicare application.
Meanwhile, you will enjoy your Medicare application approval in just 3 days, and the only thing you have to do is just "sign and date!"
Relying on my Medicare Application Assistance will save you time, uncertainty, and maybe even save your sanity?
If you make more than the allotted amount Medicare authorizes, you will be charged more for Medicare than the 'Average Joe,' and served with an enforceable IRMAA Adjustment.
IRMAA stands for: Medicare Income-Related Monthly Adjustment Amount (IRMAA) and is an annoying surcharge requiring you to pay both, an inflated monthly Medicare Part B premium AND an inflated monthly Medicare Part D premium.
If you receive an IRMAA letter, I can assist in reviewing and reporting a "life-changing event" to potentially reduce or eliminate your IRMAA surcharge.
In my opinion, Medicare, like all government problems, will take more from you if you've played by the rules and worked harder to earn more, and now have more to show for it than others.
After you have your 'Original Medicare' benefits activated, the first question more people have is "Now, what private insurance plan should I pick?" The answer is: Use My Medicare Smart Chart Software
As you transition into Medicare, you will quickly discover the ridiculous, non-stop, delivery of Medicare marketing mass-mail into your mailbox, EVERY. SINGLE. DAY.
Most people find it to be information overload and extremely overwhelming to sort through it all, and have to take 9-10 hours to call each company and compare which choices will work for you.
But, my Medicare Smart Chart Software will professionally analyze all 11 Medicare Insurance companies available to you in Erie County (totaling over 101+ unique plans) using a proprietary 25-point analysis.
After completed, your Medicare Smart Chart will be generated and will reveal which specific plans give you the very best bang for you buck the very first time you sign up! (even if you only want to compare all of the plans priced at $0/month)
"Medicare Smart Start Sessions" are the most popular service I offer. They take about an hour of your time, and are a FREE, NO COST and NO OBLIGATION opportunity for us to get together quickly so we can "get acquainted" and for you to get all your Medicare questions answered.
But, with the complexity and coordination with Medicare on your behalf, I can only offer up to 8 "Medicare Smart Start Sessions" each week and they fill up fast.
In fact, many time slots may be pre-filled or booked in advance from referrals from my personal and private clients, or from others who have read this very same information.
With this, I can only encourage you not to procrastinate if you feel you would benefit from reserving time with me.
Imagine if you could wave a magic wand and have the confidence knowing that everything Medicare requires was already done-for-you and you didn't have to do a thing!
I can help with that.
I truly believe this is the best way to easily, quickly, and simply get your Medicare “To-Do” list in order so you can start Medicare smartly, be confident in making sense of Medicare before you sign up, and get back to enjoying whatever it is you enjoy --- golfing, gardening, going to Disney, grandkids…or anything else that floats your boat.
I promise to spend more time with you than others talking about the very thing you don’t really want to be talking about…Medicare.
But it’ll be worth your time, let me prove it.
I realize how valuable your time is, especially if you are still working.
And while I can’t make a free meeting together any “free-er,” I can give you piece of mind...
So, if after we meet you don’t believe it was valuable, or if you feel like your time was wasted, just let me know and I will write a $100.00 check to the charity of your choice before you leave. No questions asked.
Thanks for taking the time to read this letter and I hope you find your FREE Medicare Smart Start Session with me very valuable. (if you can still get one...)
--- To Your Success,
Andrew " Mr. Medicare" Hibbard
P.S. In case you're one of those people who scrolls to the end (like me), here's the deal...
I am offering to schedule you a FREE Medicare Smart Start Session with me, so that you can have smooth and simple move to Medicare and make sense of it all, which means you will have no worries if you will mess it up.
There's no catch...no gimmicks...no cost...no obligation or anything like that.
So, click the BLUE BUTTON below are schedule your FREE session now. And let me prove how helpful the important information I share can be...
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