Attention: Are You Turning 65 Or About To Enroll In Medicare For The First Time?
New Video Reveals: Retirees Running Out Of Money Is Becoming A Huge Problem, Little Known Medicare
Mistakes Made Early In Retirement Blamed.
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Lenore Mizenko, President

Lenore is a Medicare Benefits Expert. She's worked in the employee benefits industry for close to 30 years...for companies like Coca-Cola, Kraft Foods, and Graybar Electric. 
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Why It's So Important To Get The Right Advice.
Meet one of my clients "Bill", for privacy purposes I've changed his name. Bill's story is a real story about what can happen when you get the wrong advice.

When I first met Bill, he was a few shorts weeks away from moving out of his home. Packed shipping boxes were stacked all throughout his kitchen and living room, and as we got to know one another, he shared his heartbreaking story with me. Just thinking back on it now brings a tear to my eye.

Bill’s wife Mary unfortunately had developed cancer in her early 50’s. Because of the severity of her condition, she was no longer able to work and was forced to go on disability.

In a shaky tone of voice, Bill shared with me how he was burning-the-candle at both ends. In addition, to a high profile demanding corporate position, Bill was managing Mary’s care, taking her back and forth to treatments and doctor’s appointments almost every single day.

At the time, Mary was covered under Bill’s group health insurance from his employer, but unfortunately, within a short period-of-time, Mary’s medical expenses exceeded the lifetime maximum allowance and she was dropped from the plan.

Bill was forced to rely on personal savings and  retirement to pay for Mary’s medical bills.

Fortunately, Mary had been collecting federal  disability benefits for over 25 months which made her eligible for Medicare A & B, but as Medicare only covers 80% of medical expenses, Mary decided to enroll in a Medicare Advantage Plan. (A type of Medicare Plan that typically has a lower premium, co-pays and deductibles and provides  access to a managed care network.)

Mary initially was attracted to the plan because of  the lower premiums and a friend’s advice, but soon found that lower premiums sometimes are a double-edged sword.

Mary found that the best doctors for her care were  not covered under her provider network. Like most people, Mary really didn’t understand the provisions and limitations of her coverage. 

She didn’t understand the difference between a local and regional provider network or the difference between an HMO, PPO, PFFS, and POS  Plan.

"You see, most people don't understand all the terms either. They just want to know that if they get sick and need to get the best care, it's available to them.

Who wants to worry about doctors and networks when all they want is for their loved-ones to get better."

When you’re healthy, a Medicare Advantage Plan seems like the more attractive option. And for some it is. But, you should always weigh the good with the bad. 

Unfortunately for Bill and Mary it was not a viable  option. Before Mary passed away, she had gone through multiple treatments, skilled-nursing-facility confinements and home healthcare aids assisting in her care, 8 hours a day, 7 days a week, for three years. 

The expenses literally exhausted her out-of-pockets maximums for the year on her Medicare Plan. Mary’s home healthcare aid visits alone cost over $1,500 a week, or $6,000 a month, totaling over $72,000 a year. This continued for three years and was not covered by her insurance. 

Bill was forced to liquidate the $700,000 he had in his 401k and the equity in his home to cover all the related costs. 

In the end, all Bill wanted was to provide the proper care for Mary before she ended up passing away in hospice. 

I wish this story had a happy ending…

As I finished up with Bill, I could sense the sorrow and regret in his words. It was his last two days in his house before he and his daughter had to move everything out. 

Why? 

Because their home was going into foreclosure and Bill and his daughter were forced to relocate to a small apartment about 3 miles away. His daughter withdrew from her studies, no longer having the financial means to finish her college bachelor's degree.

As you can see, this story clearly illustrates what happens when you take advice from the wrong people and end up with the wrong Medicare coverage.

It could literally “bankrupt” you in retirement.

If only, they had chosen to stay with traditional Medicare and enrolled in the right Medicare coverage when she first was eligible. 

Would things have been significantly different? Yes!

You see, Bill and Mary thought they were making the right choice and no one told them differently.

For far too many people, this is a familiar story.
My name is Lenore Mizenko. I've been working in the employee benefits industry for close to 30 years...for companies like Coca-Cola, Kraft Foods, and Graybar Electric, and I know how confusing benefits can be. 

Medicare... is especially confusing!

Did you know, that there are over 11,000 people turning 65, every-day, for the next 18 years?

That's one every 10 seconds!

The biggest realization for most of these “Baby Boomers” is that the vast majority of them will no longer be receiving a paycheck. They will be living 
for the remainder of their lives on a fixed income.

Listen...for 90% of retirees, “Every Penny Counts”. Some of the "fortunate" ones may be receiving a generous pension or retiree medical from their past employer, but for most, those days are long gone…

Recently, the cost-of-living adjustment for Social Security in 2017 was .03%, leaving retirees behind-the-ball.

In addition, Medicare Part B premium increased to $134.00 and the Medicare Part B deductible rose significantly to over $184.00.

Most people are left trying to stretch a one-dollar bill where a ten dollar 
bill should be...

Choosing the right health coverage, outside of Medicare, can be one of the most important decisions YOU can make. The wrong decision could negatively impact your nest egg and financial security in retirement.

According to InvestmentNews.com, “There is a  healthcare crisis in the United States. For an average healthy couple retiring in 2017, retirement health care costs will amount to about $366,600 in today’s dollars. In 10 years, 98% of an average couple’s Social Security benefit will be needed to cover health care cost and in 20 years, health care costs will exceed the average Social Security 
payment.”  

As you can see, issues like these demonstrate how most retirees are constantly at risk of seeing their retirement security and peace of mind diminish, or disappear all together.

The world is a much tougher, and unpredictable place than it was years ago. There are so many things to know. So many rules and regulations. So many pitfalls and traps.

That's why, we created this step-by-step, down-to-earth video series for you. 

We wanted you to have an easy to understand guide, that cut right through all the baloney, and told you the biggest Medicare mistakes retirees make...and more importantly, how to avoid them!
You Need To Know How To Avoid Little-Known Mistakes That Could Cost You A Fortune In Retirement!
So let's get into these important issues, and see if you're making any (or all) of them.
Here's What You'll Discover When You Get "The Inside Scoop":
  •  How To Take The Guesswork Out Of Enrolling In Medicare. (Implementing one of                               these simple strategies can save you hundreds of dollars month in Medicare premiums.)
  •  How To Quickly And Easily Understand The Parts Of Medicare. (Sleep-like-a-baby once you           learn how the parts of Medicare work...and what they do and don't cover.)
  •  What Every Boomer Ought To Know About The Two Ways To Receive Their Medicare                        Benefits...Medigap vs. Medicare Advantage. (Knowing just one of the differences between                these two types of Medicare plans can save you up to $6700.00 a year and a ton of headaches.)
  •  The Truth About Medigap Plans...What The Big Insurance Companies Don't Want You To                  Know. (Save hundreds or even thousands of dollars a year once you discover this little-known            discount program offered by certain insurance carriers.)
  •  Why Now Might Be The Right Time To Enroll In Medicare. (Have piece-of-mind                                    knowing that with Medicare...timing is everything.)
  •  3 Simple Steps To Getting Started In Medicare. (Follow these three steps and your Medicare            journey will be smooth sailing.)
  •  7 Common Misconceptions About Medicare. (Understanding these common pitfalls can save           you a lot of sleepless nights.)
Here's What Others Are Saying...
Barbara M.
 Newton, New Jersey
Cathy W.
Basking Ridge, New Jersey
Ron W.
Kingston, Pennsylvania
Neil M.
Newton, New Jersey
Fran P.
Mt. Olive, New Jersey
Walter B.
Sparta, New Jersey
"Lenore was awesome! She came to our home sat down with us and showed us how we would save over $700.00 a year - just by switching Medicare Supplement insurance carriers."
Ed & Mary W. - Rockaway, New Jersey
"Coming off of my group retiree plan with the Teamsters Union was leaving me frustrated and confused. Lenore helped me make the move without skipping a beat."
John K. - Hewett, New Jersey
"When my husband and I started looking into Medicare and other health insurance for when we retired things started getting really confusing. At this time in our lives we wanted to make  right decisions both financially and medically. When we met with Lenore and Scott everything came together.  They took the time to meet with us a number of times and made sure we understood our options and helped us a number of times and helped us choose what was best for us. And, best of all, we know they are there anytime if we have questions or concerns "
Bob & Marilyn, H. - Dumont, New Jersey
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