Understanding Long Term Care

Which Long Term Care option is right for you?

Educational Video Library

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...

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Frequently Asked Toni Says® Medicare Questions

2017 has been a great year and thank you from Toni Says® team for allowing us to help you navigate the maze of Medicare.   “What if” I did not enroll in Medicare Parts A and B when I should because I don’t want to pay that extra Part B premium each month? I don’t go...

Why Is My 2018 Social Security Check Only Increased by $2?

Toni:  In November, you wrote that there was not an increase in the 2018 Part B premium. I have not seen an increase in the last 2 years, and $109 Part B premium has been deducted from my Social Security check. Recently I received from Social Security what my 2018...

Did Medicare Call Mom Or Was This Fraud?

Hello Toni: Yesterday, a representative from Medicare called my mother asking all types of personal questions to register her for the new Medicare card which is coming in mid-2018. I just happened to be at her house and was able to take the call.  I told them that she...

AS A RETIRED TEXAS TEACHER … I AM LIVID!!

Dear Toni, As a retired Texas teacher .... I decided to stay on my husband's insurance some 25 years ago when I retired. Fine, TRS said I would never be able to join again. So, I stayed with the TRS Care 2 Aetna group plan to remain on Original Medicare and use my...

Myth or Fact…I’m Losing My Retiree Insurance

Hello Toni, I am a TRS retiree and you are aware that my TRS Aetna Retiree plan was cancelled.  I am concerned that my husband and I are not going to be taken care of medically since we are forced to change to the new TRS Medicare Advantage plan. I have heard from...
Prescription Drug Survival Guide

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