Is the Donut Hole Getting You!!
Is the Donut Hole Getting You!! Toni: Last year, my husband got into the “donut hole” in September. I can see from the Part D statement he receives monthly that he is rapidly approaching the donut hole and it is only the beginning of May. He has only added one new...
Medicare and Traveling the US?
Medicare and Traveling the US? Toni: I have retired effective 1 and now my wife and I are going to travel the US in the new Winnebago that is sitting in my driveway. I am having a hard time trying to sign up for Medicare since I turn 65 in and really do not know what...
Does Medicare Pay for A Gym Membership?
Does Medicare Pay for A Gym Membership? Toni, Two of my neighbors told my wife that they get free gym membership through Medicare. Any truth to that, as I never heard about this before? Regards, Sammy from Sienna Hi there…Sammy: Sammy the answer is NO! Medicare Parts...
Social Security and IRS Scams are Growing!
Social Security and IRS Scams are Growing! Reader Alert: Recently, I have been informed from several clients during a Toni Says® Medicare consultation that they have received either call on their cell or home phone or by mail from either Social Security or the IRS...
Social Security Account Suspended…Need to Enroll Medicare Online!!
Social Security Account Suspended…Need to Enroll Medicare Online!! Help Toni: I’m turning 65 in July and last week I tried to open a “My Social Security” account to enroll in Medicare online but my Social Security account is blocked. Two years ago, someone falsely...
Medicare Supplement Rate Increase is Outrageous!
Medicare Supplement Rate Increase is Outrageous! Toni: We have received a 20% increase for our Plan F Medicare Supplement that is effective May 1. I am a 70-year-old female in good health, but my husband is undergoing cancer treatment at MD Anderson. Also, his...
Mom Has to Pay 100% for Skilled Nursing Stay…Why?
Mom Has to Pay 100% for Skilled Nursing Stay…Why? Dear Toni, Please explain why my Mom must pay 100% for her Skilled Nursing stay. She recently slipped and fractured her back requiring surgery and a back brace. She was released from the hospital after only a 2-day...
Medicare Prescription Drug Penalty Confusion!!
Medicare Prescription Drug Penalty Confusion!! Hello Toni: Turned 65 in August 2018, continued to work full-time with an HSA that has a $3000.00 deductible before any prescriptions or medical claims are paid by the insurance plan. The HR manager of my employer...
Enrolling in Medicare Made Simple
Enrolling in Medicare Made Simple Hello Toni: My husband, David, has been laid off because of what is happening to the economy due to COVID-19. He is 68 and has never enrolled in Medicare, but I am turning 65 this June. We both are covered under his employer’s...
Medicare Advantage Enrollment Mistake Postponed My Hip Surgery!
Medicare Advantage Enrollment Mistake Postponed My Hip Surgery! Toni: I made a terrible mistake during the current Medicare Advantage Enrollment Period and changed to a Medicare Advantage HMO plan because I understood from talking with my friends that this plan was a...
Stress Changing Medicare Plan
Stress Changing Medicare Plan Morning Toni: When I first got Medicare, I picked a Medicare supplement plan F. Two years ago, I was approached by a telemarking phone call. He talked me into plan K to save some money since I was in good health and could answer the...
Cancer Treatment Not Covered By Employer Health Insurance…
Cancer Treatment Not Covered By Employer Health Insurance… Help Toni! I have developed a rare form of cancer that requires the use of proton therapy and my problem is that my employer’s health insurance does not cover proton therapy. I must pay all the costs....
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