Help, Toni: I have discovered that my employer, CenterPoint, dropped my retiree Medicare group health plan beginning January 1, 2017. What do I do NOW? I am a 69-year old female retiring this October and enrolling in Medicare for the first time. My husband, Paul,...
Toni: Last year, I made a mistake and changed to a Medicare Advantage Plan because I understood from talking with my friends that this PPO plan was like a Medicare Supplement. Boy, was I wrong! I want out!! Most specialists and even the facility that does...
Toni: My Medicare begins September 1st and I have received my first bill which is $536. I do not see this Medicare cost anywhere on the Medicare site or in any information I received when I came into the Toni Says office for my Medicare consultation. Am I being...
Morning, Toni: I am a 68 TRS retiree with a wife who is turning 65 in May 2018, and my main concern regarding retiring is how I can pay for a long-term care situation without wiping out my TRS pension. My mother is 88 years old and has been living in an assisted...
Toni: I am a retired Texas teacher and I am turning 65 this October. I am absolutely mortified by the TRS changes that I am hearing through the grapevine. My doctor is not accepting Humana Medicare Advantage and I am concerned about future health issues. I have...
Toni: A few weeks ago, you wrote about the increase in Medicare’s Medicare Part B and D premiums, but you did not explain how to lower your Medicare premiums if one’s retirement income has lowered. Our joint income in 2015 and 16 was approximately $250,000 each...