Understanding Long Term Care

Which Long Term Care option is right for you?

Educational Video Library

Is Your 401K Your Long Term Care Plan?

Your Savings and/or 401K Could Be Wiped Out By Long-Term Care Costs Dear Toni: Recently my 66 year old husband had a massive stroke leaving him unable to take care of himself. Because he is not working fulltime, he has qualified for Medicare with a Medicare...

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Will the New Medicare Observation Hospital Rule Impact You?

New Medicare hospital rule regarding observation notification went into effect Wednesday, 3/8/2017. Be prepared!   On Monday, April 3rd, the Toni Says Medicare team attended the MACRA informational Medicare meeting which informed insurance agents in the Medicare...
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Has the New Medicare Rule Affected Medicare Advantage Plans?

Toni: Last week you wrote about how the MOON (Medicare Outpatient Observation Notice) rule affects “Original Medicare”.  My husband has enrolled in a Medicare Advantage HMO and I am wondering how this rule will affect his hospital stay. Thank you, Maria from Houston...
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Social Security Knows Social Security… Not Medicare Underwriting Rules!

Toni: Thank you so much for taking my phone call this morning. My husband and I signed up in December 2016 for Medicare Part B with the understanding that once I retired I had 60 days to obtain supplemental insurance.  I just happened on your Medicare article in the...
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Retired TRS Teacher Turning 65… Keep Original Medicare for Health Issues!

Toni: I am a retired teacher and my Medicare began March 1st. I chose to go with TRS 2 and Original Medicare. I need the flexibility of picking my own medical providers since I am having bypass surgery in a few weeks.  The Toni Says team enrolled me in a Medicare...
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Moving Overseas…Should I Keep My Medicare?

Hello, Toni: My husband and I are currently on Medicare with Part B, a supplement, and Part D coverage. We will be moving overseas for a couple of years. I know that there is no coverage from Medicare for overseas expenses. Is there a way to suspend our Medicare...
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Medicare Cost Form

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Prescription Drug Survival Guide

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