An Open Letter From The Author:

I previously had the rare opportunity to work behind the scenes and spend hours, days, even weeks straight sometimes, going through trainings and courses, in-person and online, for almost every situation dealing with signing up for Medicare you can dream of:

• Turning 65, Retiring, And Signing Up For Medicare...

• Turning 65, Choosing To Keep Working, But Need To Know If You Have To Sign Up For Medicare Or The Legal Way Not To...

• Turning 65, Choosing To Keep Working, And Want To Decide What's Better Coverage Between Your Work Plan Or Signing Up For Medicare...

• Older Than 65, Retiring, Losing Employer Group Coverage And Signing Up For Medicare Late And Want To Avoid A Late Penalty or CMS Surcharge...

Shortly after I completed my initial onboarding, secondary skills, and advanced implementation trainings, I realized what I was learning seemed to be hidden things about Medicare that most people are never told.    

Facts the Federal Government and the Insurance Companies themselves don’t tell you.    

Facts they like to keep quiet.   

In actuality, many of the facts I share with you in this book they don't really even want you to know about...they want them to be kept secret (hence why my complete book series is fittingly titled, “WNY Medicare Secrets”)  

This book is #1 of 4 in the complete success series books, and even though it is a short book, specially written to be read in less than an hour, I don’t want you to think it isn’t of substantial value.  

I also certainly do not want to waste your time if the information included is not applicable to your specific situation.  

Here’s what you need to know…  

I wrote this helpful book for three critical (although controversial) reasons I think are really important:    

• To remind you that there is a long list of things you must do to set up your Medicare benefits correctly and you can make costly mistakes unknowingly --- many of which cannot be corrected once made.

• To share with you the secrets to avoiding these most common and costly Medicare mistakes being made in WNY, so that you can save some time, save some uncertainty, and maybe even save your sanity?

• To invite you to reach out to me for help and get clear, correct, complete, and credible advice that gives you all the facts and all your options without bias, incentive, or conflict of interest.  

And now I want to help you understand your Medicare benefits BEFORE you sign up --- so you know what all that FICA tax money from your paycheck all these years has been paying for.  (By the way, Medicare isn’t actually free healthcare in retirement, like most people mistakenly believe).

Inside of "Getting Ready For Medicare In Erie County," I will share with you the 10 most common and costly mistakes made with Medicare in WNY, and the uncommon - unusual - unknown ways proven to avoid them BEFORE you sign up.

I'll share a sneak peak of the costly mistakes that are included in the book. Be sure to check out the following pages in the book since they apply to the majority of situations for the majority of most people...

• PAGE 35 - Mistake #1: the most common mistake the majority make with Medicare when turning 65 but choose to keep working (an average $4,082.40 mistake)

• PAGE 43 - Mistake #5: what you need to know if you currently have an H.S.A. at work, so you can avoid an IRS tax fine when you move to Medicare (up to a $7,300.00 mistake)

• PAGE 51 - Mistake #7: the simple, but often overlooked secret, specific to New York State, that determines how much you'll pay for supplemental coverage (an average $4,879.00 mistake)

• PAGE 59 - Mistake #9: how to steer clear of the the "convenient but careless" conversation with your H.R. Rep about what they *think* you need to do with Medicare versus what Medicare actually requires you to do (an average $1,120.00 mistake)

If you're still on the fence about requesting for your FREE copy of "Getting Ready For Medicare In Erie County," here's what others who used to be in your spot have to say now...

If you had to bet your life on 100% certainty you did everything right, would you risk doing it yourself?

Probably not.  

To gather the correct forms, fill them out, file them correctly, and coordinate with your employer would take you more than 20+ hours. I  am offering to save you 19 of those hours and do it all for you in just one during a "Medicare Smart Start Session." 

"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.

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. 

Despite our popularity with the general public, the FAST PASS voucher that is enclosed with your book guarantees you exclusive special privilege over others - reserved for my special bonus for book readers - when you schedule your initial in-person “Medicare Smart Start Session” with me.

You will be able to use our private access page which gives you unlimited use of my "WNY Medicare Secrets Learning Library" 

When browsing the course catalog, you can choose from over 15+ short and helpful video learning lessons kept to less than 10 minutes each on important topics like:

• Where To Start With Medicare
• The Medicare Basics (Part A, Part B, Part C, Part D)
• Medicare Advantage VS. Medicare Supplement
• What You Need To Know About Medicare Billing
• NYS EPIC Program
• And More!

Now you can become little more confident and get going in the right direction with Medicare so you'll never worry if you will mess it up.

Here's why...

I was only able to get exactly 100 copies of this book printed right now, because of delays and sourcing issues with the publisher

So at this point in time, when they're gone...well, they're gone!

If this page is still here, then my FREE book offer is still live --- but I reserve the right to pull this page down at any time if I have no more books to mail out.

Thanks for taking the time to read this letter and I hope you enjoy your FREE copy of "Getting Ready For Medicare In Erie County" (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 send you a FREE copy of my book "Getting Ready For Medicare In Erie County" (a $12.99 value) so that you can discover the 10 most common and costly mistakes make with Medicare in WNY and the uncommon - unknown - unusual way proven to help you avoid them before you sign up.

There's no catch...no gimmicks...no cost...no obligation or anything like that.

So, click the BLUE BUTTON below and get your FREE copy now.  And let me prove how helpful the important information I share inside the book can be...