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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.


Steps To Do Your Own Medicare Part D Prescription Drug Planning

Toni: Last year’s Medicare Open Enrollment season, my husband, Steve and I changed from our Medicare Supplement Plan with a separate Part D plan to a Medicare Advantage PPO plan.  We were told that our doctors were in the plan and all of my husband’s diabetic meds...

Employers Dropping Retiree Medical Plans!!!

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,...

Help!!! Doctor Not Accepting Medicare Advantage Plan!!

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...

2018 Medicare Part D Deductibles and Co Pay Changes…Released!

Toni: Last year, the 2017 Medicare and You handbook did not include the 2017 Part D deductibles and “Donut Hole” costs, and I got in the “famous” Medicare donut hole this March. I know it is only September, but I would like to get prepared and really cannot find the...

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...