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Dear Toni:
I am writing this letter to thank you for all you help to me when I was searching for an insurance company to replace my old policy that had been dropped by my doctor’s office.
In order to continue to use my doctor, I had no choice but to find another insurance company that my doctor would accept.
I can assure you that without your knowledge and expertise, I would have been lost in finding an insurance company that had the benefits that I needed. Again, I want to thank you for your advice and guidance and to let you know how pleased I am with my new insurance company.


Surprise…Medicare Effective Date Schedule

Hi Toni:  I am 64 and will be 65 in early September.  I plan to stop working at the end of September 2017.  The Social Security office is confusing me regarding enrolling in Medicare since I turn 65 in September and retiring on the same month.  I’m having trouble...

Why Is My Medicare Part B Costing $536?

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...

TRS Medicare Plan & LTC

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...

Turning 65 with Cancer… Is Medicare Advantage Right for Me?

Hi Toni, I am turning 65 this August and have no idea what I should do because I have lung cancer.  Currently I am on a COBRA policy from my old employer with all of my medical bills now being paid because I have met my deductible. I receive all of my care from MD...

Texas Teacher Alert…Medicare Options TRS is NOT Disclosing!!

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...