
If you want help to PREVENT paying a costly Medicare penalty, absolutely AVOID making one of the common mistakes, or just make sure you DON't MESS ANYTHING UP...
Don't miss your chance to have us help you with proactive Medicare planning. We are the only approved agency authorized to offer you access to the 5-star rated and nationally recognized Medicare SmartStart Program™ in the Buffalo, NY area --- it is 100% FREE --- absolutely no cost to you!
If That's You, You Won't Want To Pass This Up...
There's no catch, no gimmicks...you will not be dealing directly with any Insurance Company employees trying to sell you something or anything like that --- this is a totally education experience --- there isn't even a legal way you can give us any money.
And after you apply for your appointment, we get together and we see what your situation is and what might need to be done, we can decide if its right to move forward and work together.
In fact, if after our time together you do not believe it was valuable or you feel like your time was wasted...just let me know and I will personally write a $100.00 check to the charity of your choice before you leave...no questions asked!
So, if you feel the FREE Medicare SmartStart Program™ is the thing that will help take away all the stress of trying to tackle Medicare on your own, just click the BIG RED BUTTON below to apply for your appointment with me and put this proven program to work for you (if there are still any available...)
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Confidently knowing EXACTLY what to do with Medicare (and when) is the KEY to absolutely avoid making a major mistake, messing anything up, and prevent and protect yourself from paying a late penalty for life...and only the FREE Medicare SmartStart Program™ will show you how!

With Social Security Offices No Longer Offering In-Person Appointments For Medicare Applications, You're Left Lost And Alone To Figure Out All The Fine Print, Without The Help Or Guidance You Thought You Would Have. Unfortunately, Many Baby Boomers Get Things Wrong, Where Common And Costly Mistakes Are Being Made Which Can't Be Undone.
We are the ONE and ONLY approved agency authorized to offer the free, nationally recognized, 5-star rated Medicare SmartStart Program™ for residents in Erie County. Our office is conveniently located on Main Street near Harris Hill Rd, in Clarence.
Due to the new rule changes for those applying for their Federal Part A&B benefits, our Free Medicare planning services And Penalty prevention Services Are in Understandably high demand. We currently have availability to Accommodate about 10-14 appointments per week, Typically Scheduling 2-3 months in advance. Don't Delay, or You May Miss Out!
From The Desk Of: ANDREW HIBBARD
Medicare SmartStart Program™ Erie County
Clarence, NY
Dear Confused Friend And Buffalo Neighbor ---
Can you think of anyone you know who has said dealing with Medicare is simple, straight-forward, or easy to understand and do?
I doubt you can.
Why?
Because Congress recently made THREE (3) KEY CHANGES to Medicare (which a lot of people did not pay attention to, weren't told, or miss), and for the first time in history, is now causing more critical mistakes to made and more costly penalties to be paid for those who are applying for the Federal Part A&B benefits for the first time:
This is EXTREMELY IMPORTANT, maybe more important than you realize, if you will wait to collect your Social Security benefits after 65...
...you now have to do things DRASTICALLY DIFFERENT, left lost to fend for yourself...
It's no longer as simple as it once was with the old way of doing things.
In fact, a recent Centers For Medicare Services (CMS) study stated this scary stat...
"An overall lack of knowledge about the new Medicare enrollment process, considerations about creditable coverage, and missing critical deadlines are putting millions of people who are turning 65 at potential risk of paying costly penalties, excess surcharges, wasted spending staying on employer healthcare plans, not to mention missed opportunities for critical benefits and services at lower costs."
"An overall lack of knowledge about the new Medicare enrollment process, considerations about creditable coverage, and missing critical deadlines are putting millions of people who are turning 65 at potential risk of paying costly penalties, excess surcharges, wasted spending staying on employer healthcare plans, not to mention missed opportunities for critical benefits and services at lower costs."
You see, many, if not most, folks and families are confused...concerned...even clueless...about what they must do with Medicare, and when they have to do it...
They feel fearful and frustrated attempting to do-it-themselves...not knowing where they should start.
If that sounds like you, you are not alone...
...and in our honest opinion...this isn't fair...or your fault!
That's what the free Medicare SmartStart Program™ is all about...and how we help people JUST LIKE YOU.
The program was designed and developed to provide you a proven, sure-fire solution to this problem, and free you from feeling forced to figure out all the fine print alone, at home, in isolation...
You no longer have to rely on your own assumptions and hit-or-miss guesses, spinning your wheels, wondering and worrying, if you are doings things right, at the right time, in the right way.
Relying on the free Medicare SmartStart Program™ is a much better way, we assure you.
As an active adult, who is always on the run, we are sure you will agree that cutting through all the clutter is important to you, to be more CERTAIN and CONFIDENT you aren't making any of the most common mistakes, not messing anything up, and you absolutely avoid paying a costly late penalty?
The SOLE GOAL of the free Medicare SmartStart Program™ is to allow us to handle your Medicare planning process and do everything FOR YOU, so you don't have to do much of anything...
Instead, you can spend your scarce free time doing things you actually want to be doing...
...like trying to stay social with friends, enjoying hobbies like, golfing or gardening, and, of course, making those magical memories hanging our with your grandkids...
If you don't have the time or desire to deal with Medicare directly, let us take away the stress of trying to tackle everything on your own.
We can save you from the hassles, headaches and horsing around everyone else constantly complains about dealing with all the DIY Medicare drama.

To EDUCATE those in Erie County about the new rule changes to the Medicare application process and procedures, in an easy-to-understand way, who know they need to do something with Medicare, but aren't sure where to start...
They want to know for sure 'IF' they have to sign up for Medicare, or 'IF' they can wait to sign up later in life...maybe they are ready to retire at 65 and know they need Medicare...maybe they will make the choice to keep working past 65 and now have the question if Medicare insurance would be more financially favorable than keeping healthcare coverage from work...but, either way, they are worried and wondering...
"How do I get things done, done right, and done on time, so I know I won't have to pay a costly late penalty?"

To EMPOWER those who are confused, concerned and clueless with a better, smarter solution that will help them feel more certain and confident with filling out and filing their Medicare application forms...
It doesn't take much time, when you're attempting to figure out all the fine print, at home, alone, for you to realize how hard it is make sense of everything that must be done with Medicare when you try to do-it-yourself...and the tiny, little voice in your head starts to second guess your efforts and whispers in your ear:

To EDUCATE those in Erie County about the new rule changes to the Medicare application process and procedures, in an easy-to-understand way, who know they need to do something with Medicare, but aren't sure where to start...
They want to know for sure 'IF' they have to sign up for Medicare, or 'IF' they can wait to sign up later in life...maybe they are ready to retire at 65 and know they need Medicare...maybe they will make the choice to keep working past 65 and now have the question if Medicare insurance would be more financially favorable than keeping healthcare coverage from work...but, either way, they are worried and wondering...
"How do I get things done, done right, and done on time, so I know I won't have to pay a costly late penalty?"

To EMPOWER those who are confused, concerned and clueless with a better, smarter solution that will help them feel more certain and confident with filling out and filing their Medicare application forms...
It doesn't take much time, when you're attempting to figure out all the fine print, at home, alone, for you to realize how hard it is make sense of everything that must be done with Medicare when you try to do-it-yourself...and the tiny, little voice in your head starts to second guess your efforts and whispers in your ear:

Every Baby Boomer in Buffalo we work with was at that point, too...and that's the exact reason we invested in bringing the FREE Medicare SmartStart Program™ to Erie County. To meet the demands of the people who feel fed up...frustrated...like it really grinds their gears that the Federal Government is failing to provide the public with adequate assistance...leaving them left lost and alone...forced to figure out all the fine print.
You've worked hard your whole life and played by the rules. Paid your fair share of taxes, too, while others don't.
Why do they make it so damn difficult to deal with Medicare and get what you deserve?
Trying to tackle everything on your own is no place to be.
We are here to fix this problem with a better, smarter solution.
We whole-heartedly believe confidently knowing EXACTLY what to do with Medicare (and when) is THE KEY to absolutely avoid making any of the common mistakes, messing anything up, and prevent and protect yourself from paying a late penalty for life...and only the FREE Medicare SmartStart Program™ will show you how!
Every Baby Boomer in Buffalo we work with was at that point, too...and that's the exact reason we invested in bringing the FREE Medicare SmartStart Program™ to the area. To meet the demands of the people who feel fed up...frustrated...like it really grinds their gears that the Federal Government is failing to provide the public with adequate assistance...leaving them left high and dry...lost and alone...forced to figure out all the fine print.
You've worked hard your whole life and played by the rules. Paid your fair share of taxes, too, while others don't.
Why do they make it so damn difficult to make sense of Medicare and get what you deserve?
Trying to tackle everything on your own is no place to be. We are here to fix this problem with a better, smarter solution.
We whole-heartedly believe confidently knowing EXACTLY what to do with Medicare (and when) is THE KEY to absolutely avoid making any of the common mistakes, messing anything up, and prevent and protect yourself from paying a late penalty for life...and only the FREE Medicare SmartStart Program™ will show you how!
Strategy Session
Sign Up Session
Shopping Session


Why? Because active adults --- men, women and couples --- always "on the run" need a simple, smart solution to cut through all the clutter. Whether gardening or golfing, going to church or going out to dinner, going on vacation, a concert, or hanging out with your grandkids...if you are actively involved with friends, family and social activities, a time-saving shortcut is a strong motivation to rely on the Medicare SmartStart Program™, letting you enjoy everything done-for-you, without costing you a dime!
Why? Many of my Medicare SmartStart Program™ participants do not understand the new rule changes for applying for Federal Part A&B benefits, and become frustrated with the old, outdated (often incorrect or incomplete) instructions found online. They are anxious and fearful about making any of the common mistakes which can cause a permanent lifetime penalty to be paid. The lack of knowledge and know-how in attempting to apply on their own, wanting help from a local expert to avoid potential problems is the reason the free Medicare SmartStart Program™ is what they rely on!
Why? A lot of my Medicare SmartStart Program™ participants know that taking a proactive role in planning for their future is important, whether it be their health, wealth, or legacy. That means they are aware about, read up on, and have a purposeful plan in place about healthy living, diet and exercise, they research and take vitamins and supplements, try to eat right, do their best to stay out of the doctor’s office and the hospital --- and have invested along the way for their financial future. The very same thoughts and motivations to stay out of doctor’s offices and see a successful savings strategy are the reasons they rely on my Medicare SmartStart Program™!
They tell me they want to do everything they can to have a planned-out path that will hold them by the hand, step-by-step, from start to finish so they feel confident things will be done, done right, and done on time --- making their move to Medicare smooth, seamless and stress-free.
ESPECIALLY SELF-EMPLOYED BUSINESS OWNERS, OFFICE WORKERS, BLUE COLLAR TRADESMEN, SCHOOL EMPLOYEES...EVEN DENTISTS, DOCTORS, CPAS, AND OTHER FINANCIAL PROFESSIONALS...AS WELL AS ANYONE ELSE WITH A HIGH-DEDUCTIBLE MEDICAL PLAN...
Why? Because while they choose to keep working past 65 (either by choice 'cause they love their job or by circumstance 'cause they need the money), they are smart enough to know they should compare the out-of-pocket costs of buying a Medicare insurance plan VS keeping employee insurance from their employer. Employers are getting away with paying less and less while employees are having to pay more and more, meanwhile the costs with many Medicare insurance plans are drastically dropping. Now, is the time to keep working for income, and use Medicare for insurance...WIN-WIN!
Why? Grandparents who are involved with all the hustle and bustle of going to grandkids games, toting them around town, seeing them home from school, or helping them with homework or Bible study often tell me that’s why the felt the need to use my proven and popular Medicare SmartStart Program™. Once-in-a-lifetime memories and milestones may occur on any afternoon...usually unexpectedly. First goal, first home run, first fall riding a bike --- but many of those moments will be missed if your spending your time dealing with Medicare instead of being there like grandparent's are supposed to be.
ESPECIALLY MARRIED COUPLES WHERE ONE SPOUSE IS OLDER THAN THE OTHER, EMPLOYEES WHO KEPT EMPLOYER HEALTHCARE WHILE WORKING, BUT NO HEALTHCARE IN RETIREMENT...OR ANYONE WHO WAITED TO RETIRE AFTER 65 UNTIL FULL-RETIREMENT AGE...
Why? Because people who don’t sign up for Medicare at 65 accrue a costly late enrollment penalty every month that goes by, increasing the price you pay for both Medicare Part B and Medicare Part D --- and they want to avoid paying any penalty but don’t know what to do. Anyone in this common situation, IS in the sights of the Government assessors, and IS at a definite disadvantage. Prepare to pay if not properly prepared and without proper planning.
Why? Everyone wants to get the most out of Medicare and pay the least out-of-pocket, but no one is really willing to do the work, or spend the time required, to sort through the sea of insurance companies and compare costs --- rather wanting an instant and immediate answer to which plan is best.
Participants of my Medicare SmartStart Program™ are always eager and excited about our comprehensive ability to assist in comparing companies, costs and coverage to help you pick your private insurance plan, too!
After inputting all your doctors and drugs, priorities and preferences, an accurate 25-point comparative analysis, review and research is completed at no cost, which will reveal the top rated local, regional and national coverage choices and plans you can pick available to you based by zip code. You will receive recommendations unique to you and your needs, so you’ll know how to get more and pay a lot less --- without question! It's the only way you can get the very best bang for you buck, the very first time you pick a plan.








Well, there are actually a few good reasons...
Here's why...
We mentioned before we have very limited availability for appointment and with the number of people we can work with.
It's due to the complexity and coordination with Medicare on your behalf, and the time it takes us to do everything for you behind-the-scenes with filing your forms, coordinating your coverage, and reviewing and researching insurance plans you can pick from, with highly rated recommendations that will do what you want at a price you want to pay.
We only have the ability and availability to schedule about 10-14 appointments each week, average 40 every month...and they fill up fast!
If this page is still here, then the FREE Medicare SmartStart Program™ is still available for you to use. But, we reserve the right to pull this page down at any time if our calendar is completely booked, or we can no longer keep up with demand...
...and with more and more Baby Boomers in Buffalo turning 65 every day, ready to retire and get away from the dumbs dumbs they have to deal with at work...it might be busier sooner than later it seems.
So, we can only encourage you to not wait...you don't want to miss out on this opportunity.
We believe our word is our bond. And not too many people stand firmly behind saying what they will do, and actually doing what they say, and allow themselves to be held accountable for their actions and efforts.
In today's understandably untrusting world, we're working hard to overcome the skepticism and suspicion you may have surrounding anything mentioning Medicare, since you might feel fearful of scams and swindlers (and rightfully so).
We'd like the chance to earn your trust and prove we can, and will, exceed your highest level of expectations, so we're willing to put our money where our mouth is and put our reputation to the test.
While we cannot refund you any money because our educational Medicare SmartStart Program™ is 100% free, (there's really no way we can make free any free-ER), what wee can offer you is this...
If after we meet, you do not believe our time together was valuable, or you feel like your time was wasted...just look us in the eye and let us know and we will personally write a check for $100.00 to the charity of your choice before you leave --- no questions asked!
We GUARANTEE you a 100% frustration-free Medicare experience you'll actually enjoy!
Sound fair?
I'm hoping we hear from you?
We appreciate you for taking the time to read this letter and I look forward to working with you soon!
Dedicated To Helping You Start Medicare Smartly,
Andrew Hibbard
Owner and President
Medicare Management of WNY
Medicare SmartStart Program™ Erie County
P.S. In case you're one of those people (like me) who just skips to the end, here's what you need to know...
We are the only approved agency authorized to offer you access to the 5-star rated and nationally recognized Medicare SmartStart Program™ in Erie County --- it is 100% FREE --- absolutely no cost to you!
There's no catch, no gimmicks...you will not be dealing directly with any Insurance Company employees trying to sell you something or anything like that.
And after you apply for your appointment, we get together and we see what your situation is and what might need to be done, we can decide if its right to move forward and work together.
In fact, if after our time together you do not believe it was valuable or you feel like your time was wasted...just let me know and I will personally write a $100.00 check to the charity of your choice before you leave...not questions asked!
So, if you feel the FREE Medicare SmartStart Program™ is the thing that will help take away all the stress of trying to tackle Medicare on your own, just click the BIG RED BUTTON below to apply for your appointment with me and put this proven program to work for you (if there are still any available...)