Free 5-part email course

Master Medicare.
Five emails. Five minutes each.

Medicare doesn't explain itself. Four parts, a pile of acronyms, and a mailbox full of letters that all look urgent. Over five days I'll walk you through it the way I'd walk a client through it at my kitchen table, in plain English, with no sales pitch at the end.

Completely free One a day for five days Reply anytime — I read every one

Start the course

Email 1 arrives right away, then one a day for the next four days. Unsubscribe with one click, any time.

No cost to you, and I never sell your information.
The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company.
What's inside

Five emails, five decisions.

Each one covers a single question you'll have to answer — in the order you'll actually face it.

1

Four parts, one plain-English guide

A, B, C and D — four letters, four very different things. What each one actually does, and why every later decision sits on top of them.

The basics
2

Seven months that follow you for life

Your Initial Enrollment Period, how signing up really works, when you can delay past 65 — and the late penalties that don't go away.

Timing
3

"Takes Medicare" and "in your network" aren't the same thing

The right plan on paper can still be the wrong network for your doctors. How to check before you enroll, not after.

Your doctors
4

The premium isn't the part that hurts

What Original Medicare really costs — deductibles, coinsurance, IRMAA — and the out-of-pocket cap it doesn't have.

The real math
5

Two main roads through Medicare

Medicare Advantage or Medigap. Which one fits the doctors you see, the drugs you take, and how much risk you want to carry.

The big decision
Randy Hernandez · DFW
Who's writing these

I answer every reply.

I'm Randy Hernandez — an Independent Licensed Agent of Buffer Insurance LLC, operating as RH Benefits - Medicare Specialist. I'm not captive to one carrier, the carriers pay me rather than you, and nothing in this course is a pitch.

Every email ends the same way: hit reply if something doesn't make sense. I read them myself. Answering questions is the job, whether or not you ever enroll through me.

NPN #21025369 TX License #3111777 Your future is worth protecting
📅 Schedule with Randy Start the course
Before you sign up

Things people ask me.

Is this really free?+
Yes, completely. Independent agents are paid by the insurance carrier only if you choose to enroll — and your premium is identical whether you go direct or through me.
How often will you email me?+
Email 1 arrives right away, then one a day for the next four days. Five in total, five days, done. After that I'll only send occasional Medicare news and plan-change alerts, and you can unsubscribe from everything with one click at any point.
Will I get sales calls?+
Not unless you ask. Signing up gets you the emails. If you'd like to talk, you reply or book a time — I don't cold-call the list.
Is this from Medicare or the government?+
No. I'm an independent licensed insurance agent operating as RH Benefits - Medicare Specialist (DBA), an Independent Agent of Buffer Insurance LLC. We are not connected with or endorsed by the United States Government or the federal Medicare program. For all of your options, contact Medicare.gov, 1-800-MEDICARE, or your State Health Insurance Assistance Program (SHIP).