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Quickly Find Answers To Your Biggest Medicare Questions
How Do I Sign Up For Medicare Living In WNY?
If you are turning 65, Medicare might be top of mind. And, when it comes time to figuring out all the fine print about what to do, when to do it, and where it’s gotta be done...click HERE to read full article
How Do I Sign Up For Part A Living In WNY?
There are a few different ways to sign up for Medicare Part A, and it depends on which situation sounds most like yours. So ask yourself these quick questions...click HERE to read full article
How Do I Sign Up For Medicare Part B Living In WNY?
There are a few different ways to sign up for Medicare Part B, and it depends on which situation sounds most like yours. So ask yourself these quick questions...click HERE to read full article
How Much Does Medicare Part A Cost Living In WNY?
Medicare Part A is considered "Hospital Coverage," but that can be misleading. It actually covers many services outside of a hospital. What you will pay for Medicare Part A, and the cost of your coverage depends on...click HERE to read full article
How Much Does Medicare Part B Cost Living In WNY?
Medicare Part B costs more than it should, let’s just say that off the get go. It should be free, like Medicare Part A, since you’ve given the government hundreds of thousands of dollars in forced FICA taxes over...click HERE to read full article
How Do I Sign Up For Medicare Part B If I Already Have Part A Living In WNY?
If you already have your Medicare Part A benefit activated, odds are good you’re older than 65, right?
Which means you more than likely continued to keep working from age 65 until now...click HERE to read full article
How Do I Sign Up For Medicare The First Time Living In WNY?
This question gets asked a lot.
And, while the Federal Government keeps changing their rules and regulations about when, what and how they want you signing up and starting Medicare, they are also limiting...click HERE to read full article
How Do I Sign Up For Medicare When I Turn 65 Living In WNY?
What I will share with you in this article will give you, in great detail, the five (5) different ways you can file out and file your Medicare application forms. Four requiring your sleeves rolled up and some elbow grease, and the fifth....click HERE to read full article
When Should I Sign Up For Medicare If I Am Turning 65 Living In WNY?
Sign up, or suspend Medicare at 65?
That is the question many Baby Boomers in Buffalo have to now ask themselves as they decide whether they will keep working until their made-up government mandated “full retirement age” either by choice (‘cause they love their job), or by circumstance (‘cause they need the money). Today, more than ever, if you were born in 1957 or later, you need to...click HERE to read full article
Do I Have To Sign Up For Medicare If I Have Other Insurance Living In WNY?
If you, or your spouse will continue to work past the age of 65, Medicare may work a little differently for you than others. In this situation you likely have more hoops to jump through than those who know they need to sign up for Medicare at age 65. Here are a few qualifying questions to ask yourself that will...click HERE to read full article
Will I Get A Penalty If I Sign Up For Medicare After I Turn 65 Living In WNY?
It’s important to sign up and start your Medicare benefits when turning 65 during your Initial Enrollment Period, or IEP, unless you have alternative health insurance coverage that’s considered “credible.”
How do you know if your alternative health insurance coverage is considered credible...click HERE to read full article
Do I Still Need Medicare If I Work Past 65 Living In WNY?
Many readers who now know how to avoid a late penalty also assume that Medicare must not be needed. A foolish assumption.
After working directly with 850+ WNY’ers determine and decide what to do with Medicare before turning 65,I would argue the assumption above does not take into account the most important fact to make a best, most informed decision…which is...click HERE to read full article
Can I Sign Up For Medicare Without Signing Up For Social Security Living In WNY?
With the Federal Government continually changing their arbitrary and assigned “full-retirement” age, many WNY’ers nearing age 65 and ready to retire have concerns and confusion around Medicare and Social Security. Understandable. Trying to get accurate answers can...click HERE to read full article
How Do I Pay My Medicare Monthly Premium Living In WNY?
For starters, both Medicare Part A (Hospital Benefits) and Medicare Part B (Medicare Benefits) have a monthly cost.
In most cases, you will receive Part A at no cost to you because you satisfy the work requirements set by the Federal Government. That is, you have...click HERE to read full article
Will I Automatically Be Enrolled In Medicare When I Turn 65 Living In WNY?
There are a lot of assumptions the Federal Government makes on behalf of its citizens nearing age 65, but you know what they say about assumptions…
And without proper preparation and planning on your part, these assumptions can have serious implications and negative impact that can...click HERE to read full article
Can I Use My HSA With Medicare Living In WNY?
If you are nearing age 65, currently actively employed, and contributing to a Health Savings Account, or H.S.A., it is important you understand the strict rules and regulations around signing up and starting Medicare will affect your H.S.A.
The first major mistake is not understanding which...click HERE to read full article
Can A Non-Working Spouse Get Medicare Living In WNY?
For the aging Baby Boomers in Buffalo, Medicare eligibility has continued to be a common concern for the “stay-at-home” mom.
Dad went to work. Mom stayed home. Dad made the money. Mom balanced the books. Dad paid FICA taxes, but Mom didn’t, and 40 years later, there’s conflicting and contrasting information around if Mom is eligible for Medicare.
Here’s what you need to know...click HERE to read full article
How Does COBRA Work With Medicare Living In WNY?
First things first…if you can avoid having to buy costly COBRA insurance, go out of your way to do so.
Why? Because while buying COBRA insurance allows you to keep the same coverage you had while working, the price you will pay will skyrocket since you will now have to pay both the Employer’s share and the Employee’s share of the cost. Here's how it...click HERE to read full article
Do I Need Medicare If I Have A Retiree Health Insurance Plan Living In WNY?
Many retirees often overlook the coordination of coverage between retiree health insurance plans and Medicare, once eligible to enroll.
This is a critical and crucial component to managing your healthcare expenses in retirement to ensure your bills will be paid, paid by the right parties, and paid on time --- so you know without question you won’t be sent to collections and ruin your credit, or...click HERE to read full article
What Is Medicare IRMAA, And When Does It Apply Living In WNY?
If the government thinks you made, or continue to make, more money than they want you to be making, you’ll likely pay more for your Medicare when you sign up than others.
This added irritation is called the Income-Related Medicare Adjustment Amount, or IRMAA. It’s an ongoing monthly surcharge of sorts which can significantly increase the price you’ll pay for both Medicare Part B and Medicare Part D. There are four income...click HERE to read full article
When Will My Medicare Benefits Begin Living In WNY?
Your Medicare benefits can begin at almost any time depending on your unique situation and scenario. Different for everyone.
Seems simple right? Very much like no two fingerprints are alike from person to person, you have a different birthday, a different retirement date, a different day you need to submit your Medicare paperwork, and a different day you need your Medicare benefits to start, so there is no...click HERE to read full article
How Does Medicare Work With My Other Health Insurance Living In WNY?
As you near age 65, coordinating your health insurance coverage can be a tricky task, especially when Medicare is in the mix.
More and more common these days, when WNY’ers are turning 65, they are not retiring, rather remain working to allow their Social Security incomes to increase, or in some cases, they have a younger spouse who needs the health insurance until they, too, turn 65. Depending...click HERE to read full article
Who Pays First When I Have Medicare And Insurance From My Employer Living In WNY?
Long gone are the days of age 65 being the planned retirement age for many, if not most, Baby Boomers in Buffalo born after 1957.
You are likely in this same, or similar situation as your same-aged peers, which has become more and more common these days, seeing the mass majority continuing to work past age 65, kicking the kicking the can down the retirement road until you have met the arbitrary and government assigned “full-retirement age.”
This creates a real concern...click HERE to read full article
Will My Current Insurance Allow Me To Delay Medicare Living In WNY?
Sign up for Medicare at 65, or suspend and delay Medicare until later in life?
A complicated question smart Baby Boomers in Buffalo are now learning to ask themselves. Why? Because the Federal Government continues to expand and extend the arbitrary and assigned full-retirement age. This leaves many, if not most, assuming and accepting they must continue to work past their 65th birthday (either by choice ‘cause they love their job, or by circumstance ‘cause they need the money), and wonder...click HERE to read full article
When Should I Sign Up For Medicare If I Delayed Coverage At 65 Living In WNY?
Baby Boomers born in 1958 or later, are now required to make complex and complicated decisions about Medicare with no real reliable resources available.
A notable and noticeable shift in Baby Boomers working past 65 is considered your new norm, which brings about new concerns and considerations if you are aware of the costly late enrollment penalties you will likely be assessed…If you delayed Medicare at 65 the incredibly impactful question you need to be asking is...click HERE to read full article
What Information And Documents Will I Need To Enroll In Medicare Living In WNY?
If you are not collecting, or will not be collecting, your Social Security income benefits at 65 or before, you won’t be automatically enrolled for your Original Medicare Part A and Part B benefits.
Why? Because the Social Security and Medicare programs were set up in the 1960’s to be complementary and symbiotic. Folks did not do one without the other. In today’s times, many, if not most, Baby Boomers are...click HERE to read full article
How Will Delaying Medicare At 65 Affect When I Can Sign Up In The Future Living In WNY?
For any and all Baby Boomers born in 1958 or later, who are willing working past 65, it is more important than ever to know exactly what to do with Medicare later in life, if you make the informed decision to wait, and delaying your benefits until after 65. Unlike your gracious 7-month Medicare Initial Enrollment Period, or “IEP,” offered to you when signing up at 65, your post-65 enrollment period is a compressed and consolidated window of just...click HERE to read full article
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
You Can Feel Confident Knowing What To Do With Medicare.
I Can Take Away The Stress Of Trying To Tackle It On Your Own.
Figuring out all the fine print with Medicare doesn't need to feel stressful. You don't have to spend your scarce free time at home, alone, in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself.
Confidently knowing exactly what to do (and when) with Medicare is the key to avoiding future fines and fees and only my Medicare SmartStart Program will show you how.
If you don't have the time or the desire to deal with Medicare directly, and want a BETTER, SMARTER, time-saving solution to short-cut hours of your own trial and error so you know --- without question --- you aren't messing anything up making a mistake...
Let me put my proven Medicare SmartStart Program to work for you.
Click the link below to take the next step and schedule a complimentary Medicare SmartStart Strategy Session with me --- it's that easy!
Get Started For FREE!
Who Is Andrew Hibbard?
Since 2015, Andrew has helped over 850+ Western New Yorkers through his nationally recognized Medicare SmartStart Program, taking away all the stress from folks trying to tackle Medicare on their own. His impressive record of success has been gotten Andrew featured in Forever Young Magazine and the BEE Group Newspapers, exclusive interviews on WECK Radio's Senior Matter's Program, and author an #1 Amazon best-selling guidebook on the subject, "Starting Medicare Smartly," revealing how the rules specifically and significantly differ for NY residents versus other states.
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