Welcome to another episode of And Insurance, with host Aaron Levine. Joined again by Toby Stark of Stark Associates. Last podcast we did with Toby we discussed some medical insurance related items for small to midsize businesses and individuals. In this episode we talk about Medicare planning. Often not something would typically be thought about in regards to planning, but becomes more crucial as you reach retirement age. We want to share some of that information with our listeners in regards to this topic. So lets jump in to a discussion about about Medicare planning and when should we start thinking about Medicare planning?