• Want Me To Personally Work With You To Get Signed Up And Started With Medicare...So You Don't Have To Do It Yourself?!

Use The "WNY Medicare SmartStart Program" - Limited Spots Available

"Want Me To Take You By The Hand To Sign Up And Get Started With Medicare...Plus, Sort Through The Sea Of Insurance Plans To Pick From?  

So You Can Eliminate The Stress Of Trying To Tackle It All On Your Own And Feel More Confident You Are Starting Medicare Smartly?

Only 14 of 40 SmartStart Sessions Are Available For Next Month...
"The WNY Medicare SmartStart Program is AWESOME! Lyndsey and Andrew educated me regarding all aspects of signing up for Medicare and choosing a Medicare Advantage plan that met my needs and my lifestyle.  They took the confusion and worry out of the process. I'm telling everyone I know about them, and several family members have already met with them. Don't hesitate! Schedule your session with Andrew when it's your turn to sign up for Medicare"

- Bob & Carol Mullins, Lakeview, NY


Why My "WNY Medicare SmartStart Program" Is Reserved For The Seriously Confused, Overwhelmed And Frustrated WNY-er ONLY!

From: Andrew L Hibbard
Clarence, NY
Thank YOU for stopping by to learn more about my WNY Medicare SmartStart Program.

I have to be honest, I'm not going to convince or persuade you to take advantage of everything I have bundled together. 

That would be doing both of us a disservice.  My feeling is, you already know if relying on my special "hold-you-by-the-hand" service is for you or not.

Now, how do I know this? Because you're someone who wants to sign up for Medicare the 'right' way...by being CLEAR and CONFIDENT...

...without having to spend hours/days/weeks in isolation, relying on your own assumptions and hit-or-miss guesses, attempting to do-it-yourself with all the stress that comes with trying to tackle Medicare on your own.  

You don't have the time or the desire to deal with Medicare directly yourself and appreciate short-cutting hours of your own trial and error by having everything done for you. 

To have your hand held by WNY's very own Medicare authority, published Medicare author, and public Medicare advocate...which means you'll never wonder or worry if you are doing things right, or risking messing things up, just to do it all twice.

The SOLE GOAL of this must-have, can't-miss, make-Medicare-easier program is to take away all your fears and frustrations, so you can be confident you start Medicare smartly...

...by using the time-tested and proven program that gives you the same step-by-step process hundreds of satisfied Western New Yorkers have relied on, giving you a safe, smart and successful way to make your move to Medicare simpler and easier --- which is what you want and deserve!

Our current program saves you over 20+ hours of valuable time from filling out and filing your Medicare forms, so you can actually spend your time on things you enjoy most, like golfing, gardening, grandkids or maybe going to Disney.

So I'm very limited on my availability about how many people I can work with each week.  

Which is why using my WNY Medicare SmartStart Program HAS TO BE by scheduled SmartStart session only.

I want to make sure I'm a good fit for you and KNOW that I can give you my full, undivided time and attention, without distractions or interruptions, to help make the whole Medicare process a lot less confusing, frustrating and overwhelming.


Would You Rather Walk Or Be Driven?

Here's what I mean...

How EASY do you want to make it to get signed up and started with Medicare?

Do you want to WALK and take the slow, plodding 'find your own way' route to your destination?


Would you rather BE DRIVEN DIRECTLY and enjoy the FAST, EFFICIENT, and TIME-SAVING chauffeured concierge experience?

Yes, you'll have to invest a small amount of your time and spend about an hour with me, so you can share your situation, but you'll have the luxury of getting an EXCLUSIVE experience, get personal service and attention, and get things done in WAY LESS TIME, while others continue to feel stressed and struggle.

Plus you benefit from having an expert driver driving you the entire way, so you don't have to worry or stress about a thing.

And isn't that the way we'd all like to get where we need to go...quickly and easily and SAVED FROM ALL THE STRUGGLE? That's exactly how I look at signing up and getting started with Medicare smartly...

You could walk and try to figure it all out on your own, spend a ton of time thinking on the one thing you don't actually want to be thinking about at all - Medicare...


You could save yourself time, uncertainty, and maybe even your sanity by taking the FAST TRACK.

Take The Fast Track And Let Me Drive You Directly

When You Work With Me, You Will Get Your EZ PASS For The Express Lane To Get Medicare Done In Record Time

How I Can Help You Sign Up And Start With Medicare

Medicare Questions

Get accurate and reliable answers to all your Medicare questions from the guy in WNY who literally wrote the book on the subject

Medicare Education

Explanation of your Medicare benefits in a simple and easy to understand way so you know what you're gonna get, what it's gonna cover, and what it's gonna cost.

Medicare Timeline

Go home with a clear and concise, step-by-step plan, unique to your specific situation so you know what needs to be done, when to do it, and where it has to go.

Medicare Part A & Part B

I'll fill out and file your Medicare forms so you'll never question if they're done right, on time, correctly and without errors.

Coordination With Employer

You'll avoid having a gap or lapse in health insurance coverage, paying for double coverage for no reason, or worse, getting stuck buying an expensive COBRA plan.

Picking A Plan

Get help sorting through the sea of companies and figuring out all the fine print on what Insurance plan you should pick so you get a better bang for your buck.

STEP 1: Evaluate Your Situation

To see if the WNY Medicare SmartStart Program is right for you...and to make sure it's a good fit...we'll get together and figure out what your unique situation is, where you need help, and what exactly needs to be done and when.

We'll then develop a plan of action for you, which means you'll have detailed driving directions so you'll know exactly how to get where you need to go with Medicare.

1. Schedule Your Session

Find a time on my calendar that works for you to come to my Clarence Office.  These have limited availability each week and are typically booked 4-6 weeks in advance, so if you're interested, don't procrastinate.

2. In-Person Meet & Greet

An opportunity for us to get together and "get acquainted" and for you to share your situation and get answers to all your Medicare questions. I DO NOT meet with people I can't help.

3. Write Your Roadmap

During our time together, I will take detailed notes and diagnose specific solutions for you.  Your unique step-by-step directions will be written into a customized "Medicare Roadmap Report" for you to take home.

4. Get Started

If we decide to work together, I will offer you exclusive use of my entire WNY Medicare SmartStart Program and we can get started immediately. I'll take over the reins and do all the heavy lifting from this point...you'll have the easy part and just sign and date.

STEP 2: Put The Program To Work

To start, you'll get instant access to my complete WNY Medicare SmartStart Program --- a "hold you by the hand from start to finish," sanity-saving service.  And, since everyone is starting from a different place with making their move to Medicare...from turning 65 and retiring...to turning 65 and continuing to work...to older than 65 and signing up late...you'll get a personalized plan of action designed just for YOU.

Education, Explanation & Execution

We will go through an abridged version of your entitled Medicare benefits and cut through the clutter by focusing on only what matters to you living in WNY and not wasting time on anything about the rest of the country that does not apply at all. 

Continual Check-In Calls

You're not going at this alone.  I'm going to hold your hand, with weekly check-in calls, each step of the way, so you'll have proactive progress points and never wonder or worry where things stand or how to make sense of it all.

Review, Research & Recommend

I will sort through the sea of Insurance Companies on your behalf, so you don't have to, and accurately review, research and recommend where your money can be best spent, and show you how to get a better bang for your buck.

Compare & Choose Your Coverage

Together, we will figure out all the fine print between the recommended plans to pick and precisely determine which coverage you should choose, and why, which means you'll be getting the very most out of Medicare the very first time you sign up.

Ready To Make Medicare Easy? Schedule Your Session Now! 

Let Me Prove How This Program Can Be Put To Work For You!


Who You Will Work With

As you know, it's no secret Medicare is complicated, chaotic and can leave you feeling quite confused.  It seems tougher and tougher for folks in WNY to accurately find what to do with Medicare when they're being forced to figure it out on their own. And how do you know who to trust and who's just trying to sell you something? 

When it comes to finding a local WNY Medicare authority and expert, my wife, Lyndsey, and I have got you covered! 

Since 2015, we are the only two-person, tag-team around town, that has tirelessly spent more than 10,000 hours dealing directly with Medicare, which has earned me the affectionate title of "Mr. Medicare," and gotten us featured in Forever Young Magazine and the BEE Group Newspapers, exclusive interviews on WECK Radio's Senior Matter's Program, and even agree to author a professionally published book on Medicare and how it applies to the 8 counties of WNY.

And it won't take long for you to see why...

The entire WNY Medicare SmartStart Program was designed and developed with YOU in mind...someone soon-to-be 65, looking to sign up and start Medicare smartly, in the simplest and easiest possible way, without really having to do any of the work themselves.
"I was so thrilled to discover 'Mr. Medicare' and the WNY Medicare SmartStart Program. All my anxiety was relied when Andrew explained everything about Medicare. They made the experience simple and easy, and their expertise saved us so much money. I consider them a local treasure more folks turning 65 need to discover"

- Marsha Donahue, Springville, NY
Both Lyndsey and I will be personally working with you, step-by-step, start to finish, when you make your move to Medicare, so you have a seamless transition. 


Who We Work With

We only want to work with residents in WNY who appreciate our "hold-you-by-the-hand" approach to get signed up and started with Medicare, and are willing to compare all companies to get a better bang for their buck. 

"I had the best experience with the WNY Medicare SmartStart Program! Andrew answered all of my many questions and made the Medicare process easy and understandable! My calls were answered in the same day and I was confident that I had made the right choice for my needs and situation. Very knowledgable. I highly recommend them."

- Diana Schlichter, Amherst, NY
"Wonderful service. Andrew and his team are very knowledgeable, professional and patient! I was pretty anxious about the whole process and calling Medicare had been less than helpful, but Andrew held my hand and worked to alleviate all my anxiety. I would recommend them very highly to anyone getting started with Medicare. They make the Medicare process very seamless."

- Cynthia Marshall, Williamsville, NY
"Went with my husband to get him set up with Medicare. We were very impressed with the knowledge Andrew has and the manner of setting us at ease. We couldn't have done it without Andrew and Lyndsey."

- Scott & Cheryl Rollo, Akron, NY
You also have to be open to receiving direct and honest feedback.

Above all, you must be COOPERATIVE.

Our philosophy is, "we can't help anyone who doesn't want to be helped."

If you're a "do-it-yourselfer," don't schedule a session.

We get it.  We aren't right for everyone.

And, if you're on the fence, here's the thing...more than 750 participants have gone through my WNY Medicare SmartStart Program...

...so we know a thing or two about what it takes to sign up and start Medicare smartly...

And how to sort through the fine print about which plan to pick. Our program works...

The WNY Medicare SmartStart Program works...

And we know it can work for you too...IF you let us put it to work for you!

That means being honest and ethical. We are independent contractors with compensation set by the Centers of Medicare Services (CMS) --- We are NOT employed by the Insurance Companies.

Said simply...you can trust our genuine help, free from any Insurance Company influence, incentive or conflict of interest...EVER!

That stuff just doesn't fly with us.  Now, if you're willing to give us a chance, take an hour of your day to share your situation with us, and let us take away all the stress of trying to tackle Medicare on your own...

...then you're in the right place.


Here's Everything You're Gonna Get When You Schedule Your FREE SmartStart Session...


"Education & Explanation Over-Simplifcation" 

When I say, "Education & Explanation Over-Simplification," I mean it. This is the high-level, 10,000 ft view of Medicare. Everything you actually need to know as it applies to you in WNY, without any of the unnecessary and un-related fluff.

This condensed compilation of quick-reference resources will set your mind at ease and save your sanity using a simple and easy to understand way, so you know what you're gonna get, what it's gonna cover, and what it's gonna cost.

This is what I consider the most basic, bare bones of Medicare...and everything that everyone eligible should be told, but usually never is.

Completely Complimentary

Take A Look At What's Included:

Your FREE Medicare SmartStart Session

  • A Good Old-Fashioned, In-Person Get-Together​, Lasting Less Than An Hour, For You To Get Answers To All Your Medicare Questions From Local WNY Medicare Author, Advocate, Advisor And Agency Owner: Andrew L Hibbard
  • You'll Enjoy A Pre-Scheduled Time, And Escorted To A Private Room, With No Interruptions, And No Distractions...Just Andrew's Full Attention On You And Your Specific Situation
  • Your Decision To Rely On Local ​​Help Will Allow You To Avoid The Annoyance Of Calling 1-800 Numbers, Just To Wait On Hold Forever...Or Worse, Try Talking To Phone Robots And Get Nowhere
  • ​You'll Leave Feeling Confident And Clear-Headed With Your Exact Medicare "To-Do" List In Hand, Which Means You'll Know Exactly What To Do And When In A Simple And Easy To Read Format...Which Is What You Want And Deserve!
Completely Complimentary

Short Overview Outline To Quickly Answer All Your Questions About What Medicare Is, What Medicare Does, What Medicare Costs, What Medicare Covers, And What Your Options Are For Choosing Coverage

  • What Is Original Medicare? And How Much Does It Cost? 
  • What Is Part A? Part B? Part C? Part D?
  • ​The Many Styles of Coverage You Can Choose From (And Why Most Only Know About One Of Them)
  • ​The Worst Way To Pick Your Plan - Subconsciously or Consciously - That Will Have You Paying More
NOW FREE At Your Medicare SmartStart Session With Me

Short And Small, Step-By-Step Guide Giving You An E-Z Pass For The Express Lane To Make Your Move To Medicare Easier, Simpler, And Faster (For Those Who Don't Know Where They Should Start With Medicare)

  • Easy To Understand Plan Of What You Need To Do...When You Need To Do It...How It Needs To Be Done...And By Who (HINT: Not You!)
  • Special Sections: (1) Getting Ready For Medicare, (2) Getting Started With Medicare, (3) Getting Covered By Medicare
  • ​The Top 3 Ways To Mess Up Your Medicare Specifically In WNY 
  • ​Complete With Coordination Of Coverage Checklist To Keep Track Of Each Step
NOW FREE At Your Medicare SmartStart Session With Me

Take Away All Your Stress Of Trying To Tackle Medicare On Your Own With These Clear And Concise "Driving Directions," So You Can Be Confident You Know How To Get Where You Need To Go With Medicare

  • Oversized, Spiralbound Workbook, Detailing A Customized Timeline With Your Unique Medicare Action Items
  • ​Crucial Questions To Determine If You Have To Sign Up For Medicare At Age 65...Or If You Should Suspend Medicare At Age 65 And Sign Up Later
  • ​Complete Checklist To Avoid Your Medicare Penalty Period And Any Future Premium Increase Penalty Payment or CMS Surcharge
  • ​What Government Forms Are Required To Be Filled Out And Filed, So That You Have No Gap, No Lapse And Don't Need To Worry About Paying For Expensive COBRA Coverage
NOW FREE At Your Medicare SmartStart Session With Me

Pocket-Sized, Quick-Reference Guide Full Of Insider Information About Each And Every Medicare Supplement Plan Available To You In WNY (The Good Ones And The Bad Ones)

  • Discloses The Details Of Each And Every Medicare Supplement Insurance Company Available To You Living In The 8 Counties of WNY, Including Star-Ratings, Reviews And Rankings  (11 Different Choices Totalling Over 101+ Plan Options)
  • Simple Strategies To Determine Where Your Money Is Best Spent, So You Can Avoid The 3 Major Medicare Mis-Steps Most People Make When Choosing Coverage The First Time
  • ​Easy Eye-Opening Tips, Tricks & Tactics To Help You Better Understand Networks, Contracts, And Costs Which Leave Many People Shocked And Surprised When Services Aren't Covered
NOW FREE At Your Medicare SmartStart Session With Me

YES - All Must-Have, Cant-Miss, Make-Medicare-Easy Resources, But There's More...

You're Also Gonna Get Instant Access To...

The Best Way To Protect Yourself From The Massive Amount Of Medicare Scams Sent By Mail, Pesky Phone Solicitations, And Endless TV Endorsements (How To Not Become An Advertising Victim!)

  • An Expert "Second Set Of Eyes" For The Suspicious, Skeptical And Stressed Out To Give You Crucial Guidance On What Is Critical (And You Should Save) VS. What Is Crap (And You Should Toss In Trash)
  • ​Discover The Virtually Unknown Way To Get Any And All Spam Calls To Stop - FOR GOOD!
  • Learn The Hidden Hoaxes About Insurance Company Ads, And Why You Are Right Feeling Cautious And Careful About Things Seeming "Too Good To Be True"
  • ​The Number One Way The Mass Majority With Medicare Get Fooled, And What You Can Do Differently To Shield Yourself And Be Safe And Secure (HINT: Your Zip Code Doesn't Matter)
 Also Included FREE At Your Medicare SmartStart Session With Me

A Systematic Solution Giving You A Simple Spreadsheet With Suggestions On How You Can Maximize Your Coverage, Minimize Your Expenses And Keep More Money...Year After Year...Without You Doing Any Of The Work

  • Lifetime Access To Automatic Review, Research, And Recommendations, Each And Every Year, Which Means You'll Never Overpay, Miss Out Or Make A Mistake, And You'll Always Be Sure You're Getting More Out Of Medicare
  • ​Receive Insider Insights And Important Information Revealing The Often Forgotten, Omitted And Overlooked Ways That Your Friends And Neighbors Don't Know About, But You Can Use To Consistently Get The Best Value In Town
  • ​A Proven Path And Simple Solution For You To Shop, Select, And Save On Your Medicare Supplement Insurance. (Smart Shopping Means Smart Savings).
Also Included FREE At Your Medicare SmartStart Session With Me

For Impartial Advice On How You Can Get A Better Bang For Your Buck The First Time You Pick Your Insurance Plan...Don't Ask An Insurance Company Salesman. Ask A Computer. (Insurance Companies Hate This, But Erie County Residents Love It!)

  • The Most Sophisticated Software For Figuring Out All The Fine Print On Which Medicare Supplement Plan To Pick, Found Nowhere Else In Erie County
  • ​Instant Comparison Of All Your Medicare Supplement Company Choices, So You Have An Accurate Idea Of What Plan To Pick And Why (Without Conflict Of Interest)
  • Save Yourself Time, Uncertainty, And Your Sanity By Comparing Companies Conveniently In One Place, Which Means You Wont Have To Spend Hours/Days/Weeks Driving Around Town Trying To Cut Through All The Clutter Alone...Only To Rely On Your Own Assumptions 
Also Included FREE At Your Medicare SmartStart Session With Me

All That Will Tell You How To Do-It-Yourself, 
But Why Not Let Me Do-It-All For You?

Enjoy This Very Special Limited-Time Bonus...

If You Are Agonizing Over Medicare...Feeling Anxious Or Afraid...And Don't Have The Time, Energy Or Desire To Deal With Doing Your Medicare Forms Directly...You Can Enjoy Everything DONE-FOR-YOU...NOW FREE! (Without You Having To Do Any Of The Work...You'll Just Sign And Date)

  • Coordination Between Medicare And Your Employer On Your Behalf To Ensure Your Work Coverage Ends And Medicare Begins At The Right Time, So Your Move To Medicare Is Seamless 
  • Accurate Completion Of All Forms Required To Be Filled Out And Filed...One Time, Correctly And Without Errors, Which Means No Delay In Processing And Expedited Approval
  • ​Real-Time Tracking Of Medicare Application With Prompt Processing And Accelerated Approval Taking Typically 3 Weeks (Sometimes Just 3 Days), While The General Public Will Anxiously Wait 3 Months Or More
  • ​Preliminary Pre-File Of "Proof Of Credible Coverage" Form If You Do NOT Need To Sign Up For Your Medicare Benefits At 65, So You Know You Will Not Have A Medicare Premium Increase Penalty Later In Life When You Sign Up For Medicare Post-65
  • IRMAA Readjustment & ​Reconsideration Form For High Income Earners, Which Means If And When You Have A Drop In Earned Income, An Appeal Will Be Sent In On Your Behalf Stating The Change With Coordination Of Your Recent Tax Return To Reduce Your Medicare Monthly Premium 
FREE FOR A LIMTED-TIME When You Schedule Your SmartStart Session With Me

Want Medicare Done-For-You? Schedule Your Session Now! 

Why Stress And Try To Tackle Medicare On Your Own, When I'm Willing To Do It All For You?

"As my 65th birthday approaches, I've been inundated with Medicare flyers from ever conceivable insurance provider. None of which are impartial. The government website is pretty much useless. Then I got referred to Andrew. Fantastic! Totally impartial and explained in real terms how Medicare works and how it doesn't work, too. And I can call the whenever I have a question. Customer Service Extraordinaire!"

- Pam Barciniak, Williamsville, NY

Let Me Show You EVERYTHING You Get When You Schedule Your FREE WNY Medicare SmartStart Session With Me Today

  • Medicare SmartStart Session
  • Medicare SmartStart Basics 101
  • Medicare SmartStart ​Moving Guide
  • Medicare SmartStart Roadmap Report
  • Medicare SmartStart Buyer's Guide
  • Medicare SmartStart Scam Security
  • ​Medicare SmartSaver System
  • ​Medicare SmartChart Software
  • Medicare SmartStart Concierge
Now, my WNY Medicare SmartStart Program is proven to take away all the stress of trying to tackle Medicare on your own, and save you more than 20+ hours of struggle...strain...guesswork...your own assumptions and any hit-or-miss guesses you would have to make.

So, how much is your time worth to you?

...to save you 20 hours at $30/hr would cost $500.00...

...to save you 20 hours at $50/hr would cost $1,000.00...

...to save you 20 hours at $100/hr would cost $2,000.00...

I believe my complete program, all the cant-miss, must-have, make-Medicare-easier resources and sanity saving services could easily be priced and offered at $500, maybe even $1,000...and would still be considered a never-seen-before, best bargain, steal of a deal...

...but, for a limited-time, you have that incredible unfair advantage to access everything above completely 100% FREE! No cost to you what-so-ever!


See What Others Around Town Are Saying...

"They Do Everything 
For You"

"This wonderful husband and wife team took all the complex issues of Medicare and made the process so simple. They do everything for you. Something we were not looking forward to turned out to be a pleasurable experience. they were caring, friendly and very professional. All of this and no cost. We're very happy!"

- Judy & Paul Scott, Tonawanda, NY

"Making The Process Of Medicare Easier"

"Andrew and Lyndsey are the best most helpful and efficient people I have ever had the pleasure of dealing with. So eager to help. Thank You for making the process of Medicare easier to understand for all of us soon-to-be seniors!  You have answers at your fingertips for everything I ask you about! Thank You!"

- Louise Cornell, Clarence, NY

"Invaluable To Me Starting With Medicare"

"The WNY Medicare SmartStart Program has been invaluable to me starting Medicare.  Andrew will navigate all the perilous turns, inform you on what you need to know, and then let you decide. Also, anytime I have been confused or had some kind of inquiry about my coverage, they intercede and get the job done!"

- Nancy Eckerson, Akron, NY

FREE Medicare Help In WNY? Schedule Your Session Now! 

Instantly Alleviate Any Anxiety And Immediately Go From Confused And Concerned To Clear And Confident

Discover A Completely Different Approach To Signing Up And Starting With Medicare In WNY...And Why It Matters

The Single Most Important Factor To The Medicare SmartStart Program Is What We Offer You In Terms Of Our EXPERIENCE And EXPERTISE.

And not just in terms of how long we've been doing this...I'm talking in terms of the CONFIDENCE, CONVENIENCE and CONSISTENCY you have access to through the WNY Medicare SmartStart Program, found nowhere else in WNY.

In fact, try to think of anyone you know who has found making sense of Medicare simple or straight-forward, or who has said "that was easy!"

I doubt you can.

You see, almost everyone thinks Medicare is 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, just doing the same thing others do about Medicare doesn't make it smart...it only makes it common.

Only the smartest people find a way to make complicated things uncomplicated.

Just about anyone can follow along and do what others are already doing and continue playing a giant game of monkey see - monkey do.

But remember, that doesn't make it smart...it only makes it common.

The WNY Medicare SmartStart Program Has Been Used Successfully With As Many Different Situations As You Can Think Of:

  • ​​Boomers who've had enough at work, want to get out at 65 without waiting, and know they need to sign up for Medicare...
  • ​Especially active boomers wanting to spend their time gardening, golfing, going out to dinner or going on vacation rather than spending their days/hours/weeks trying to tackle Medicare on their own...​
  • ​Involved grandparents who are active with the hustle and bustle of going to grandkids games, toting them around town, or seeing them home from school and don't have the time or desire to deal with Medicare directly...
  • ​Soon-to-be retirees who will find themselves on a fixed income for the first time, and want to get into the nitty gritty numbers about Medicare so they can budget better...
  • Those who can't be bothered to retire and will keep working past 65 (either out of choice, or out of necessity), and want to compare coverage and cost of Medicare VS what plan work provides...
  • People who are very "pro-active" about their health and healthcare choices by reading up on ways to be healthy and make healthy decisions...and do their best to stay out of their doctors office --- and feel the very same motivations about being best prepared to make their move to Medicare...
  • ​Post-65 retirees who and suspended their Medicare earlier and now need to sign up, and want to legally avoid a Medicare late enrollment premium increase penalty...
  • Anyone who feels they've worked hard, played by the rules and over the years feel they've paid their fair share of taxes into the Medicare Machine and want to know where all that money has gone and what you're gonna get for all the money they've taken...

As You Can See...

With Over 750+ Western New Yorkers Who Have Participated In The Program, I'd Venture To Say The Success Of The Program Isn't Just Dumb Luck, But Rather Proven Path That Should Be Relied On...

The Question Is, Are You Next?

There Is NO CATCH!

I know, I know...people see Medicare and 'scam' immediately comes to mind with "Danger Will Robinson" going off in your head.

Your name has been put into the Medicare Mass-Marketing Machine and you should prepare for an assault on your attention...massive amount of Medicare marketing by mail, pesky phone solicitations, and endless TV endorsements...

It's overwhelming, frustrating, and unnecessary...and IT'S NOT YOUR FAULT!

You see, most Medicare marketing comes from one of two sources, or both:

1. Government-Sponsored Information 
2. Insurance Company-Sponsored Information 

The WNY Medicare SmartStart Program isn't from either.

You need to be aware that these two sources rarely, if ever, provide you with the information that actually helps to answer the questions you have about Medicare and how to be 100% confident you're doing things right and don't risk messing it up!

In fact, the Government and the Insurance Companies only send you information that is in support of their goals, which are drastically different than YOUR goals.

The Government's goal is to let you know you are eligible to sign up for Medicare. It's a notification is all, and doesn't tell you much by way of what your Medicare benefits actually are are or how to go about signing up for them.

Meanwhile, the Insurance Companies goal is to sell you a plan from their portfolio so they can make money - the very definition of having a bias to their own benefit, not yours.

Your goal, however, should be any or all of the following:
  • Complete understanding of what Medicare benefits you can and should receive when you sign up, which means you'll have an overview of what Medicare costs and covers so you can build out your retirement budget...
  • Clear-cut decision on if it even makes sense for you to sign up for Medicare at 65...or suspend until a later date (and how to legally get out of the late enrollment monthly premium increase penalty)...
  • Complete step-by-step timeline from start to finish to sign up for Medicare, so you have a seamless transition from your work plan without any gaps, lapses or payment of double coverage for no reason...
  • Confidence in how to fill out and file your Medicare forms...correctly, on time, and without errors, which means they will get processed and approved in 3 weeks (sometimes just 3 days) while others make mistakes and anxiously await 3 months or more...
  • ​Credible and accurate way to sort through the sea on Insurance Companies in the quickest, easiest, simplest manner, so you know how to get a better bang for your buck and get more out of Medicare... 


In Case You're Wondering Why I Am Offering My Complete "WNY Medicare SmartStart Program" For FREE...

Well, there are actually a few reasons...
  • It's my way of paying forward this valuable insider information to my hometown WNY community
  • Because (unlike Insurance Company employee's or fee-based brokers) I don't make my money by having to persuade you to buy a certain companies coverage (I actually work on a fixed fee-for-service as an independent contractor which means I get paid based purely on how many people I help each month --- without incentive, influence, or conflict of interest)...so because of that, it doesn't hurt me to share with you my best stuff 
  • I get to share my services to one more person and have more meaningful impact, and when you see how helpful me and my program can be, it should get you excited to refer your friends and family in the future.
  • ​I kinda like showing off...I'm not going to lie. I'm sick of hearing people leave my office saying "I never knew a place like you existed." Well, I don't have the kind of big bucks for a bloated budget like the Insurance Companies to advertise all over town, so I thought it'd be a breath of fresh air to offer the TRUTH, and show the exact step-by-step process you need to take to be confident signing up and getting started with Medicare, and well...honestly, I just think the information I have is really helpful :)

But, Time Is Of The Essence...

Here's why...

I mentioned before I have very limited availability with the number of people I can work with.

It's due to the complexity and coordination with Medicare on your behalf, and the time it takes me to do everything for you behind-the-scenes.

So, there's only so much time in the day, which means I can typically schedule about 10-14 "Medicare SmartStart Sessions" each week, roughly 40 every month...and when they're gone...well, they're gone!

If this page is still here, then my offer for free access to my complete "WNY Medicare SmartStart Program" is LIVE and still stands.  But, I reserve the right to pull it down at any time if my calendar is completely booked.

Ready To Make Medicare Easy? Schedule Your Session Now! 

Why Stress And Try To Tackle Medicare On Your Own, When I'm Willing To Do It All For You?

Only 14 of 40 SmartStart Sessions Are Available For Next Month...

Here Is My "Put My Money Where My Mouth Is" Guarantee

As a United States Air Force Veteran, I took great pride in serving my country, and now, as a civilian, I am proud to be serving my hometown WNY community. I believe that today, more so than ever, we are living in an understandably untrusting world, which means there is nothing greater than your word.

And, while I am already offering you access to my complete "WNY Medicare SmartStart Program" for FREE, I want to make you a truly generous guarantee...

I am a big proponent on charitable giving. In fact, my wife and I have an ongoing "Charitable Giving Commitment" each month where we donate 10% of our earned income to local WNY charities.

Now, while I cannot make a free offer and "free-er," and I cannot directly give you money as an incentive to come see me, I can do this...

If after we meet for your "Medicare SmartStart Session," 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!

Sound fair?

This Is Truly A Limited Offer

Schedule Your FREE "Medicare SmartStart Session" With Me Now Before They're All Gone......

Thanks for taking the time to read this letter and I hope I'll hear from you soon!

Dedicated To Making Medicare Easier In WNY,

--- Andrew "Helping You Start Medicare Smartly" Hibbard

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...

I am offering you exclusive access to my complete "WNY Medicare SmartStart Program" --- my most popular, must-have, can't-miss, make-Medicare-easier resources and sanity-saving services --- absolutely FREE! 

There's no catch, no gimmicks...you will not be dealing directly with any Insurance Company employees or anything like that.

And after scheduling your FREE "Medicare SmartStart Session" with me, 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 my "WNY 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 schedule your no-cost "Medicare SmartStart Session" with me and let me put this proven program to work for you!
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