The first step isn't choosing a Medicare plan. It's understanding which Medicare rules apply to your situation. Let's start there.
Everyone's Medicare journey is different. Choose the situation that best describes you, and I'll take you to information created specifically for that stage of your Medicare journey.
Drugs get dropped. Deadlines slip past. New scams spread. Get the updates that affect your coverage, in plain English, before they cost you. Subscribe to Toni Says Weekly Newsletter!
Drugs get dropped. Deadlines slip past. New scams spread. Get the updates that affect your coverage, in plain English, before they cost you. Subscribe to Toni Says Weekly Newsletter!
For more than 20 years, I’ve been helping people understand Medicare.
I’ve met thousands of people who thought they were doing everything right, only to discover later that the advice they followed didn’t fit their situation. That’s why I’ve spent my career translating Medicare into people terms.
Whether you found me through one of my books, a workshop, my podcast, a newspaper column, or someone you trust, my goal has always been the same. Help you understand what applies to your situation before a Medicare mistake costs you money.
If Medicare is new to you, start with my free Medicare First Steps guide. It explains the basics in plain English and helps you understand the questions you should be asking before you make any important Medicare decisions.
If you’ve already started researching and you’re ready to organize everything you’ve learned, the Medicare 2026 Roadmap was built for that next step. It walks you through the decisions that affect your coverage, costs, enrollment timeline, and penalties, so you can move forward with confidence.
And if your situation is unique, or you’d simply like to talk it through with someone who understands Medicare, we’re here to help.
Every week I hear from people whose situations have changed. Someone is turning 65. A prescription is no longer covered. A favorite doctor has left a network. Life changes, and Medicare changes with it. My goal is to help you understand the information that matters to you, when you need it.
Please don't make Medicare decisions based only on what worked for someone else.
That's why your Medicare decisions should be different, too. Take the time to understand what applies to you before making an important decision.
