“Why I Started 65Plus Advisory — And How I Help You Navigate Medicare with Confidence”

Why I Started 65Plus Advisory — And How I Help You Navigate Medicare with Confidence

Hi, I’m Tricia Hobbs, founder of 65Plus Advisory. If you’ve landed here, chances are you’re trying to make sense of Medicare — or maybe you’re helping a parent, spouse, or friend figure it out. Either way, you’ve probably already realized how confusing it can be.

I created 65Plus Advisory for one simple reason: people deserve honest, expert guidance when making Medicare decisions. Unfortunately, that’s not always easy to find.

My Background & Qualifications

I started my journey in Medicare sales, working with six different insurance companies across all 50 states. That experience gave me a deep understanding of how insurance plans are built, sold, and positioned to the public. I know the agent side of the industry — how products are marketed, what agents are trained to emphasize, and the pitfalls that aren’t always explained to clients.

Over time, I realized I wanted to serve a different purpose. I pivoted to focus on the patient side of things, working directly with individuals and families navigating Medicare in real life — not just on paper. I also began working closely with doctor’s offices, nursing facilities, and hospitals to advocate for patients — helping them navigate patient access issues, prior authorization requirements, and the appeals process when coverage is denied or delayed. This hands-on experience has given me a broader understanding of where Medicare coverage can fall short, and how to help clients prepare for or overcome those hurdles.

I’ve learned directly from people who are actively using their plans and seeing the real-world limitations, roadblocks, and frustrations that come with them. That perspective has been invaluable. I’ve taken these experiences and woven them into how I guide clients today — combining industry knowledge with practical, real-life outcomes.

My approach is holistic: I bring together expertise in insurance, patient access, and firsthand patient experiences to help you make fully informed decisions about your Medicare choices. This isn’t just about signing up — it’s about understanding how your choices will actually impact your care, your costs, and your peace of mind down the road.

Why I Started 65Plus Advisory

I started this business because I saw a pattern: people approaching Medicare were being hit with conflicting advice, pressure to buy products they didn’t understand, and misinformation that could cost them thousands.

At 65Plus Advisory, my mission is to give you the real answers you didn’t even know to ask. Whether you’re trying to understand the best time to enroll, avoid penalties, coordinate with employer coverage, or figure out IRMAA — I’m here to help.

The Common Medicare Mistakes I See

Over the years, I’ve seen clients face issues like:

• Accidentally delaying Medicare too long and getting hit with penalties

• Choosing the wrong Medicare Advantage plan and being stuck with high out-of-pocket costs

• Not knowing that COBRA coverage doesn’t protect against Medicare penalties

• Missing opportunities to reduce IRMAA by filing a reconsideration

• Losing guaranteed issuance rights for Medigap by delaying enrollment or trying to switch plans too late

My goal is to help you avoid these costly and stressful mistakes through personalized, paid consultations.

My Approach: Real Answers, No Sales Pitch

When you work with me, you’re not getting a sales agent. You’re getting:

• A personalized roadmap based on your life, income, and health needs

• Clarity on enrollment timelines, Medigap vs. Medicare Advantage, and Part D

• Guidance on Social Security, HSA impacts, and post-enrollment support

• The ability to include adult children or caregivers in the conversation

I don’t sell you products — I provide the knowledge and strategy so you can make the best choice for your situation.

Let’s Simplify Medicare, Together

If you’re ready to get clear on Medicare, I’d love to help. You can explore more about my services, read real client stories, or attend one of my educational webinars to start gaining the clarity you deserve.

Stay tuned for more blog posts where I’ll share tips, real-life stories, and strategies to help you navigate Medicare with confidence.

Thanks for being here — and I look forward to helping you make sense of it all.