HEY WAIT! Before Your Go...
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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Call Us For Free Medicare SmartStart Program:
Buffalo, NY's Top Medicare Planning Service
Serving Akron, Alden, Amherst, Clarence, Depew, Lancaster, Williamsville And Surrounding Areas
Email Us About Signing Up For Medicare:
The FREE Medicare SmartStart Program™ - Limited Appointments Available
"Who Else Wants To Know For Sure 'IF' They Have To Sign Up For Medicare At 65 -OR- Can Wait Until Later In Life...And How To Legally Never Pay A Costly Late Penalty?!?"
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!
Make Sure Your Sound Is Turned ON!
LIMITED APPOINTMENTS AVAILABLE
We are the ONLY approved agency authorized to offer the FREE
5-star rated, nationally recognized, Medicare SmartStart Program™ for all of the Buffalo, NY area. Our office is located on Main St in Clarence, and serves all residents of Erie County.
Due to the high demand, and the complexity and coordination with Medicare done directly on your behalf, we are limited to scheduling an average of 10-14 appointments per week (about 40 per month). Currently we are booking about 2-3 months in advance.
Apply For Your Appointment Now
Wondering What Exactly Is
The FREE Medicare SmartStart Program?!?
From The Desk Of: ANDREW HIBBARD
Medicare SmartStart Program™ Buffalo
Clarence, NY
Dear Totally Frustrated And Fed Up 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 signing up and starting Medicare is a challenging chore that you are supposed to do yourself.
It has been documented the entire Medicare enrollment process can take more than 20+ hours for a single person to put up with and suffer through...twice as long for spouses!
Isn't that CRAZY?!?
And, to make matters worse, we believe the Federal Government continues to fail to provide the public with any adequate assistance or real reliable resources...
...all while they CONTINUE to CHANGE the rules and regulations about your assigned "full-retirement age," raising it older and older, plus what you need to do (and when) with your Medicare penalty period deadline.
There's a lot of conflicting and unclear information which makes the whole mess more and more difficult these days to be successful with starting Medicare smartly...
...and at the same time, more and more common for folks to accidentally mess something up...
It can make your head hurt, right?
But, you must be able to make intelligent decisions...so, you have to ask yourself if you'll know how to make them?
It's not that easy to get a "re-do" with the Federal Government.
In fact, Congress recently made TWO (2) KEY CHANGES to Medicare (which a lot of people were not made aware of, or pay attention to), and for the first time in history, is now causing more mistakes to made and more penalties to be paid if you are someone who was born after 1956:
- A new process and procedure to fill out and file all new Medicare application forms submitted after September 18, 2021...
- A new law and legislation passed by Congress hidden in the four-part Consolidated Appropriation's Act (2021-2024) which redefined the deadline for your dreaded Medicare penalty period and now requires additional considerations for creditable coverage eligibility, especially if making the choice to choose to work past 65...
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 Medicare enrollment process, costs, and benefits are putting are putting millions of people who are turning 65 and eligible to enroll in Medicare at potential risk of lapses with insurance coverage, excess surcharges, penalties and wasted spending, not to mention missed opportunities for critical benefits and services."
"An overall lack of knowledge about the Medicare enrollment process, costs, and benefits are putting are putting millions of people who are turning 65 and eligible to enroll in Medicare at potential risk of lapses with insurance coverage, excess surcharges, penalties and wasted spending, not to mention missed opportunities for critical benefits and services."
You see, many, if not most, folks and families are confused...concerned...even clueless...about what they should 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.
We're Here For You And Happy To Help...You Just Have To Ask
Apply For Your Appointment Now
The FREE Medicare SmartStart Program
Was Designed And Developed For TWO Reasons:
To EDUCATE those in our area about the new changes to made the Medicare 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:
- "Why is this so complicated? Am I making a mistake with what I should or shouldn't do..."
- "There are multiple Medicare application forms to fill out and file...which ones am I supposed to submit..."
- "What if I mess something up...will I have a gap or lapse in coverage and be un-insured???
To EDUCATE those in our area about the new changes to made the Medicare 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:
- "Why is this so complicated? Am I making a mistake with what I should or shouldn't do..."
- "There are multiple Medicare application forms to fill out and file...which ones am I supposed to submit..."
- "What if I mess something up...will I have a gap or lapse in coverage and be un-insured???
Even If Right Now, You Can't Say You 100% Know What To Do...
IT'S OK!
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!
Apply For Your Appointment Now
Even If Right Now, You Can't Say You 100% Know What To Do...
IT'S OK!
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!
Apply For Your Appointment Now
When You Rely On The Free 3-Step Medicare SmartStart Program...
YOU CAN ENJOY EVERYTHING DONE FOR YOU, FROM START TO FINISH, WITHOUT HAVING TO DO MUCH OF ANYTHING YOURSELF!
Here's Everything You're Entitled To And Should Expect...
STEP #1
Strategy Session
- You will enjoy a good, old-fashioned, face-to-face appointment (no phones and no robots) where we can sit together and get acquainted, you'll share your situation, hear accurate answers and advice to all your questions, and we'll help you decide what you should do, or shouldn't do...and why...
- A personalized plan will be put in place for your unique timeline and "to-do" list, so you know --- without question --- the exact step-by-step process to start Medicare smartly...
- You will be sent home with a helpful myMedicare SmartStart Planner, detailing the critical checklists that will be followed, plus crucial communication check points to keep you in the loop along the way, which means you'll know how we will get you where you need to go, and you won't be left to wonder what we will do...or worry about when it will get done...
- You'll sleep more soundly at night knowing your Medicare planning process is done, done right, done on time, and done for you!
STEP #2
Sign Up Session
OPTION [A]: Sign Up For Medicare At 65
- If you DO need to sign up for Medicare at 65, we will fill out and file your Federal Part A and B benefit forms, and submit for you...
- Our approved agency will save you time for processing and approval of your forms. While others who DIY have to anxiously wait 3 months or more, you will enjoy 3 weeks, sometimes as fast as just 3 days!
OPTION [B]: Suspend Medicare At 65
- If you DO NOT need to sign up for Medicare at 65, we will only file your free Federal Part A form...and disclose you will keep healthcare coverage from your employer (or spouse's employer)...
- A "proof of creditable coverage" form will be completed and pre-filed for you, to start a proper paper trail to help prevent and protect against paying a future late penalty when you sign up for Medicare Part B later in life...
OPTION [C]: Sign Up For Medicare After 65
- If you DO need to sign up for Medicare after 65, we will fill out and file your Federal B benefit form if you already have Part A, or both Part A and B forms, and submit all applications for you...
- We will coordinate with your Employer to request proof of creditable coverage, (if you did not pre-file with us previously), to prevent and protect against you paying a late penalty and permanently increasing your monthly Medicare price for life...
STEP #3
Shopping Session
- When our approved agency is attached to your application, we will be notified your Federal forms are processed before you are snail-mailed your Medicare ID card...
- You will be called to confirm Step #2 is complete, and are now eligible to begin to Medicare Insurance Company comparison process to choose your coverage...
- In our area, there are 10 companies available to you, and over 201+ plans, so having a smart, strategic way to sort through the sea of insurance companies is the only way to get a better bang for your buck...
- Your private, confidential myMedicare SmartChart profile will be created and stored on our secure server by collecting your current doctors, drugs, health history, potential upcoming procedures, hospital and pharmacy preferences, along with any wants you might wish for from your new Medicare coverage...
- You'll be happy to hear our sophisticated and specialized Medicare SmartIQ Software will instantly and accurately analyze all plan options and produce real-time results with research and about 3-4 recommendations where you can get more and pay less with Medicare, so you keep more money in your pocket! (Which is really what you want and deserve, right?!?)
- You remain in complete control of your choice, and if you decide, we can also assist in completing any additional applications for you, this way you won't have to fill anything out on your own.
The FREE Medicare SmartStart Program™ Has Been Used Successfully...
WITH AS MANY DIFFERENT SITUATIONS AS YOU CAN THINK OF!
BUSY BOOMERS Ready To Retire
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!
SELF-PROCLAIMED Confused & Clueless
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 doctors 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 the Medicare SmartStart Program!
THOSE NEARING 65 Who Aren't Ready To Retire And Won't Stop Working
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!
ESPECIALLY Engaged Grandparents
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.
THOSE OLDER THAN 65 Who Kept Working And Don't Want A Penalty
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.
COST-CONSCIOUS SMART SHOPPERS Who Want More And Pay Less
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. Included in the Medicare SmartStart Program™ is use of our sophisticated and specialized Medicare SmartIQ Software, which will strategically and systematically provide you and accurate analysis so you know, without question, where you can get the very best bang for you buck, the very first time you pick a plan.
Apply For Your Appointment Now
Want To Hear Feedback From Previous Program Participants?
SEE WHAT OTHERS ARE SAYING ABOUT US AND WHY WE CONTINUE TO BE THE TALK TO THE TOWN!
Put Our 5-Star, Nationally Recognized Reputation To The Test...
The Free Medicare SmartStart Program™
Is The Ultimate Step-By-Step Shortcut To Save You Time, Save You Uncertainty, And Save Your Sanity...GUARANTEED!
Finally, The Help You Want And Wish For Is Here!
THE OLD WAY TO PREPARE FOR MEDICARE
- Fed up and frustrated feeling forced to figure out the fine print alone, at home...
- Confused, concerned, even clueless with what you need to do, and when you need to do it...
- Taking a risk not knowing exactly how to get things done, done right and done on time...
- Anxious, angered and annoyed wishing and wanting help, but not able to find it...
- Wide awake at night, worried and wondering if you'll make a mistake, or mess something up...
- Scared, stressed and struggling spinning your wheels dealing with all the Medicare drama...
- Spending 20+ hours of your scare free time trying to tackle it all and do-it-yourself...
THE NEW WAY TO PREPARE FOR MEDICARE
- Relieved and reassured with each step of the process explained in an easy-to-understand way...
- Certain and confident with what you need to do, and when you need to do it...AND WHY...
- Pleased with peace-of-mind knowing exactly how to get things done, done right and done on time...
- Sleep soundly and stress-free having your hand held, step-by-step, from start to finish, so there's no way a mistake will be made, or anything will be messed up...
- Enjoy an easier and effortless Medicare experience with every piece of the puzzle done-for-you by a proven expert...
Apply For Your Appointment Now
THINK THIS SOUNDS TOO GOOD TO BE TRUE?
THERE IS NO CATCH!
If You're Wondering Why The Medicare SmartStart Program™ Is Available To You All For FREE...
Well, there are actually a few good reasons...
- Because, in our opinion, we believe there is a real lack of reliable Medicare resources so we invested in bringing this 5-star rated, nationally recognized program to the area as our way of paying forward what we found works as a smarter, strategic solution to the problem the Federal Government won't solve and the Insurance Companies can't because their intent is not education, it's solicitation to sell you their stuff...
- Unlike Insurance Company employee's or fee-based brokers who may be bribed, bonused or bought-off, we don't make our money by having to persuade or pressure you to buy a certain companies coverage over others that is not in your best interest. (We actually work on a fixed fee-for-service as an independent contractor which means we get paid based purely on how many people we help each month no matter how we help you, or what insurance plan you pick --- we have NO incentive, influence, or conflict of interest)...and that important difference and distinction is why it doesn't hurt us to educate and empower you to remain in control of your own choices...
- We hope our 5-star rated reputation will far exceed your highest expectations and have such a meaningful impact, that you'll leave saying "I didn't know a place like this existed," and be excited and proud to share our services and refer your friends and family in the future...
- Lastly, we think working hard to have our IMPACT be bigger than our income is important. We've discovered a new, different way to prepare for Medicare and finally able to solve the problem that so many people have struggled with for so long. People need to know they don't have to deal with Medicare on their own, alone. And quite honestly, we just think the information we have is just really helpful for most folks and families who need to do something with Medicare, aren't sure where to start, are we're just happy and humbled we can help.
But, We Can't Always Help Everyone All The Time...
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.
Apply For Your Appointment Now
We Will Help You Sleep More Soundly And Take Away The Scare Of Medicare...
OUR 100% FRUSTRATION-FREE GUARANTEE!
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™ Buffalo
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 the Buffalo, NY area --- 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...)