Left Employer Benefits Now I Have a Medicare Part D Penalty…Why??
Left Employer Benefits Now I Have a Medicare Part D Penalty…Why?? Hello Toni: I made a terrible mistake last April when I was no longer being covered by my employer group health plan due to retiring. I had a telemarketing agent help me find a Medicare Supplement...
2021 Medicare Part D Deductible and Donut Hole Costs…Released!
2021 Medicare Part D Deductible and Donut Hole Costs…Released! Toni: This year, the 2021 Medicare and You handbook did not include all the information regarding the Medicare Part D deductibles and “Donut Hole”. I got in the “famous” Medicare donut hole in June of 2020...
Did Changes to Plan F Cause My Medicare Supplement Premiums to Rise?
Did Changes to Plan F Cause My Medicare Supplement Premiums to Rise? 2 Weeks until Thursday, October 15-Medicare Annual Enrollment- Toni: We have received a 20% increase in our Plan F Medicare Supplement. I am a 70-year-old female in decent health, but my husband is...
What is the Medicaid Estate Recovery Program?
What is the Medicaid Estate Recovery Program? Toni, I am a financial planner with a client who just received a bill for her mother’s Medicaid Long Term Care that was cared for at her mother’s house instead of a nursing home. Sue is now stuck with a $67,500 bill that...
Marketing During Medicare Annual Enrollment Is Stressful!!
Marketing During Medicare Annual Enrollment Is Stressful!! 3 Weeks until Thursday, October 15-Medicare Annual Enrollment- Toni: I just received a phone call saying there is a federal law that I change my Medicare during Medicare’s Annual Enrollment? The Toni Says®...
Are You Prepared for An Unexpected Accident or Illness?
Are You Prepared for An Unexpected Accident or Illness? Hi Toni: Recently, I had a bad car wreck and ended up in the hospital with only a minor concussion from hitting the windshield and my wife was not hurt at all. I was surprised when the hospital asked for my...
Enrolled in Medicare Part B…NOW I’m Receiving a Part D Penalty…Why?
Enrolled in Medicare Part B…NOW I’m Receiving a Part D Penalty…Why? Hello Toni: Turned 65 in August 2018, continued to work full-time with company benefits, until I was laid off on May 10thand that is when my employer benefits ended. I have enrolled in a Medicare...
Social Security Scam Alert!!! Hang UP on Bogus Calls!!
Social Security Scam Alert!!! Hang UP on Bogus Calls!! Reader Alert: This week, I, Toni King received a letter from the Social Security office regarding my special needs sister’s benefits and an amazing SCAM ALERT was on the back of the envelope that her Social...
Does Medicare Cover “Expensive” Injections in Doctor’s Office?
Does Medicare Cover “Expensive” Injections in Doctor’s Office? Toni: I have been laid off this week with my current employer’s benefits ending August 31. I turn 65 in August and will be enrolling in Medicare. My employer group health plan currently has an HSA with...
What is a Retiree HRA Account?
What is a Retiree HRA Account? Hi Toni: My husband is an oil company retiree and two weeks ago, we received a letter stating that his employer is terminating all Medicare eligible retirees Aetna and Express Scripts group benefits with a termination date of September...
Baby Boomers Stressed Out Trying to Understand Medicare??
Toni: I am a confused Baby Boomer who needs to make my Medicare decision this October when I turn 65. I am currently on an individual health plan that has a terrible high deductible. I do not know where to start or what to do? Can you please simplify this ordeal? ...
Why is My Medicare Part B Premium Over $400 Monthly…I Was Laid Off!
Why is My Medicare Part B Premium Over $400 Monthly…I Was Laid Off! Dear Toni: Been reading your articles regarding COVID-19, being laid off, and enrolling in Medicare properly. I have not read an article on how to lower the premium if you are not making the...
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