Medicare Basics for Baby Boomers
Medicare Basics for Baby Boomers Dear Toni, I am a confused Baby Boomer who needs to make my Medicare decision in November when I turn 65. I do not know where to start or what to do. Can you please help simplify this ordeal? Thanks Stephanie Hi Stephanie:...
How to inform Medicare that your income is lower.
How to inform Medicare that your income is lower. Dear Toni, I began taking my RMDs (Required Minimum Distributions) from my 401(k) when I turned 72 and my Medicare premium in 2025 is $480.90 for Part B and $57.00 for Part D. Did taking my RMD with my Social...
What Life Insurance Plans Are Offered after 65?
What Life Insurance Plans Are Offered after 65? Hi Toni: You recently wrote an article explaining the hospice issues that you were experiencing regarding your mother. Please let your Toni Says Medicare column readers know other ways hospice comforts the...
Exploring the Myths of Medicare
Exploring the Myths of Medicare Dear Toni, I have been following your Toni Says Medicare column in my local newspaper to learn about Medicare. This week I discovered online information discussing different myths of Medicare that confused me even more. I have...
Enroll in Medicare the Correct Way!!
Enroll in Medicare the Correct Way!! Dear Toni: I am retiring in February when I turn 65 and will need to enroll in Medicare Parts A and B with a Medicare Supplement and a Part D prescription drug plan. My husband, James, is 72 and has heart issues so, he enrolled in...
Losing Employer Benefits with Dental and Enrolling in Medicare…What Do I Do?
Losing Employer Benefits with Dental and Enrolling in Medicare…What Do I Do? Dear Toni, I will be eligible for Medicare in July and am now receiving cancer treatment. I am currently on my ex-employer’s COBRA and searching for dental care when I go on Medicare...
What’s the difference in home health care and at-home care?
What’s the difference in home health care and at-home care? Dear Toni, I need your help regarding my parents who are in their late 80s. My mother has been disabled with Parkinson’s for the past 3 years and my father has been her caretaker, but due to his recent heart...
What is Medicare’s General Enrollment Period?
What is Medicare’s General Enrollment Period? Toni: I turned 65 in June, 2 years ago and did not enroll in Medicare because I do not have any health issues. A friend advised me to enroll in Medicare during Medicare’s Annual Enrollment Period. I received a letter...
Why am I paying more for my 2025 Part D premium!!
Why am I paying more for my 2025 Part D premium!! Dear Toni: In December 2016, you assisted me and my husband Gary in leaving my employer’s benefits. We enrolled into Medicare Part B with a Medicare Supplement and Part D prescription drug plan with all beginning...
I picked the wrong Advantage Plan… When can I return to Original Medicare?
I picked the wrong Advantage Plan… When can I return to Original Medicare? Toni: I never should have listened to my brother who bragged about how his Medicare Advantage plan was a great way to save money and not have to spend so much on my Medicare supplement...
Making sense of Medicare’s Inpatient “Under Observation” Hospital Rule
Making sense of Medicare’s Inpatient “Under Observation” Hospital Rule Toni, I have Original Medicare with a Supplement and in October, I was taken by ambulance to the emergency room for heart issues. I was surprised when I signed a hospital form stating that I was...
2025 Part D plan does not cover my expensive insulin brand…What do I do?
2025 Part D plan does not cover my expensive insulin brand…What do I do? Toni: In 2022, the Toni Says Medicare team enrolled me in Medicare with Medicare Supplement and Medicare Part D plan including my prescriptions that had co-pay only. When I looked online at...
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