What is Medicare’s “creditable” prescription drug coverage? Hello Toni: I turned 65 in August 2021, continued to work full-time with an HSA that has a $3,000 deductible for medical claims paid by the insurance plan, and used a prescription discount card to cover...
Should I Apply for Social Security Disability While Receiving Medicaid? Toni: I am a 59-year-old female and in June,2022 I was diagnosed with stage IIIA metastatic breast cancer. A non-profit Cancer program in Houston qualified me under Medicaid (Breast/Ovarian cancer...
Warning: Taking Medicare advice from your friends can be costly! Hi Toni: I met with you in late 2021 for a Toni Says personalized Medicare consultation. I have a quick question regarding travel outside the United States because I’m planning a trip to Greece next...
Medicare Now Covers Shingles Vaccine at NO Cost! Toni: I was recently told that to receive a shingles vaccination I needed to have a Medicare Part D prescription drug plan to get the vaccination or pay $200. I thought all vaccinations and immunizations were...
Understanding Medicare…It’s Complicated! Toni: I am turning 65 in September and need make my Medicare decision. I do not know where to start or what to do? I am being bombarded by telemarketers and mail telling me that if I do not sign up for Medicare when I turn...
Is it too late to buy a Long-Term Care policy? Dear Toni: My brother recently had to move out of his house into as assisted living facility because he broke his hip and is unable to live on his own. The monthly cost of the facility is about $4500 per month and...