In today’s episode, I sit down with Jason Hrzich, a licensed Medicare advisor who helps seniors and their families navigate one of the most confusing systems in the country – Medicare. Jason shares how he transitioned from the mortgage industry into senior services, discovering a passion for educating older adults on their healthcare options.
In our conversation, Jason breaks down what Medicare Parts A, B, C, and D actually mean, how penalties can sneak up on retirees, and the differences between Medicare Advantage and Supplemental plans. He explains how his free educational seminars empower people to make informed decisions, and why being an independent agent allows him to focus entirely on his clients’ needs instead of a single company’s products.
Timeline Summary
- 00:45 – Introduction and meeting Jason Hrzich
- 02:05 – How Jason transitioned from mortgages to Medicare advising
- 03:25 – Why Medicare is so confusing for seniors
- 05:00 – Breaking down Medicare A and B and how premiums are calculated
- 07:10 – What “IRMAA” means and how income affects Medicare costs
- 09:05 – Can you appeal or correct IRMAA charges?
- 10:30 – How to sign up for Medicare: online, by phone, or through an advisor
- 11:40 – Jason explains how independent agents are paid (and why his help is free)
- 12:55 – Medicare Advantage (Part C) explained: what’s included and what’s not
- 14:50 – How over-the-counter credits and vision/dental add-ons work
- 16:45 – Dental and vision coverage realities for seniors
- 19:25 – How Jason helps clients choose plans based on their doctors and prescriptions
- 22:55 – How local networks affect which plans are available in each county
- 25:15 – Understanding Supplement (Medigap) plans vs. Advantage plans
- 27:50 – Why penalties occur if you miss enrollment windows
- 30:30 – Key differences between Medicare in New York and other states
- 32:55 – Why working with an independent advisor matters
- 34:00 – How Jason runs free educational Medicare seminars
- 36:05 – Avoiding Medicare scams and misleading phone calls
- 37:15 – Annual reviews and how Jason advocates for his clients
- 39:05 – Captive vs. independent agents explained
- 40:35 – Jason’s client-first philosophy and 5-star reviews
- 41:25 – Why seniors shouldn’t go through Medicare planning alone
- 43:00 – Understanding annual and open enrollment periods
- 44:05 – How to reach Jason Hrzich
5 Key Takeaways
- Education is everything: Jason’s mission is to simplify Medicare by explaining each part, how coverage works, and what deadlines and penalties to avoid.
- Independent advisors offer choice: Because Jason isn’t tied to a single carrier, he can compare all plans and find the best fit for each client.
- IRMAA can surprise you: Higher-income retirees may pay hundreds more per month for Part B and D – but certain life changes or tax corrections can reduce those costs.
- Advantage vs. Supplemental: Advantage (Part C) plans are network-based with bundled perks; Supplemental (Medigap) plans cost more monthly but allow nationwide flexibility.
- You’re not alone: Navigating Medicare is overwhelming – Jason’s free help ensures seniors get peace of mind without spending extra money.
Links & Resources
- Email: jhrzich@asb.insure
- Call Jason: (516) 314-1961
- (516) 240-2256
- Attend a seminar with Jason: https://americanseniorbenefitsjh.medicaremeetup.com/
- Schedule an appointment with Jason: https://calendly.com/jhrzich-asb
- Leave The Key Homebuyers: (631) 388-7771
- Leave The Key website: leavethekey.com/seniors
Final Thoughts
If this conversation with Jason Hrzich was as inspiring to you as it was to us, please take a moment to subscribe, review, and share this podcast. Jason’s passion for helping seniors make sense of Medicare truly stands out, and his dedication to offering free, trustworthy guidance shows how impactful genuine service can be. Whether you’re nearing 65 or helping a loved one through the process, Jason reminds us that no one has to face Medicare alone.
