WHY IS MEDICARE SO COMPLEX?

Medicare just celebrated its 51st anniversary as a Federal program. If there's one thing that our government is good at, it's adding complexity to its programs. (You've seen our tax code, right?)

Over a 50 year period, our legislature has had many opportunites to tweak, improve, and add to Medicare regulatory code. The result is a Medicare system that is so complex that it leaves even the smartest of people scratching their heads.

All of these quid pro quos don't bother the government. If mistakes are made, they aren't the ones who will face Medicare penalties for the rest of their lives. They aren't the ones who will have to struggle to get by on coverage that doesn't meet their healthcare needs. And, they aren't the ones who will pay thousands - even tens of thousands of dollars - out of their own pocket. But, you will be.

Don't put your healthcare and your hard earned retirement money at risk. Make the right, informed Medicare decisions for your unique needs.

i65 is easy-to-use, online software that provides you with the expert, unbiased Medicare guidance you need to make the best Medicare decisions for your needs.

Even if you choose not to use i65, be sure you get the clear, correct and unbiased Medicare guidace you need to make the best decisions for your unique needs.

that isn't or left with ineffective healthcare coverage if Medicare enrollment mistakes are made. But, you will be! to be aware of these complexities make it difficult to enroll in Medicare without making some sort of . Just one mistake can cost people thousands of dollars and follow them for the rest of their life. Worst of all, most people had no idea they were making mistakes – until it was too late!

Today's seniors deserve a better way to enroll in Medicare.

i65^® provides individual, expert Medicare guidance without any insurance sales bias.

Over the last decade, Medicare has become incrasingly more complex. Part D, donut holes, Medigap, Medicare Advantage, IRMAA, late enrollment penalties, Supplement insurance, Initial Enrollment periods, Special enrollment periods, and much more.

However, the way today's Baby Boomers learn about Medicare is very similar to 10, 20, and even 30 years ago. Meaning, you must conduct lengthy research about Medicare regulations or rely on an insurance agent who's job it is to sell specific plans. And, just one Medicare mistake can cost you thousands and impact your access to health coverage for the rest of your life.

i65 provides you with a fast and easy way to get individualized, expert Medicare guidance without the fear that you're simply being sold a plan. With i65, all you have to do is answer a series of easy-to-understand questions. The software provides you with:

• Individualized Medicare enrollment guidance – With i65, you'll get clear answers about whether you need to enroll now or if you can delay Medicare without incurring penalties. You'll learn which type(s) of Medicare insurance coverage is best for your unique health, financial, and lifestyle needs. You'll get the guidance you need to steer clear of costly mistakes.

• Step-by-step enrollment instructions – Which parts of Medicare do you need to enroll in? How do you enroll? What forms do you fill out? i65 provides you with all the directions you need to take action.

• Access to a library of invaluable Medicare tools, calculators and resources –
  • EGHP vs. Medicare: Is your Employer health coverage superior to Medicare? Or is Medicare better? Use the tool to find out.
  • IRMAA Calculator: Are you a higher income Medicare beneficiary? Will you be subject to higher Medicare premiums? Find out with this handy calculator.
  • "How to Use the Medicare Plan Finder" video series: i65 provides you videos that walk you through how to use and understand the results of the Medicare Plan Finder tool. Use this video series to pick a Part D drug plan or a Medicare Advantage plan that is best for your unique needs.
• plus much more!