Does Your Medicare Card Automatically Arrive in the Mail When Turning 65?
Does Your Medicare Card Automatically Arrive in the Mail When Turning 65? Hello Toni: I turned 65 in December and have not received my Medicare card. I am working full- time with company benefits and not taking my social security check. A co-worker said I should have...
Did The Medicare Part D “Donut Hole” End in 2020?
Did The Medicare Part D “Donut Hole” End in 2020? Toni: Last fall, I was diagnosed with a serious illness and began taking Humira which is very expensive costing over $5,000 per month. I was told that the Medicare Part D “Donut Hole” was vanishing in 2020 and I...
What!! My Medicare Part B or D Penalty Is Forever?
What!! My Medicare Part B or D Penalty Is Forever? Toni: I am a 67-year-old female who never enrolled in Medicare Part B or D because I believe in holistic medicine and only take vitamins. I was under the impression that if I didn’t go to the doctor, I didn’t need to...
Is A Memory Care Facility Covered by Medicare?
Is A Memory Care Facility Covered by Medicare? Morning, Toni: I have never seen you address the issue of paying for a Memory Care or Alzheimer facility and Medicare. I am concerned that I may wipeout my 401K or savings if need arises due to a long-term health issue...
Turning 65 in March…Why Can’t I apply for Medicare Supplement Plan F?
Turning 65 in March…Why Can’t I apply for Medicare Supplement Plan F? Morning Toni: I am turning 65 in March and am searching for the right Medicare Supplement to cover my health needs. I have been told from patients at the cancer center where I go to...
Can I Change My Medicare Advantage Plan After the Dec. 7th Deadline?
Can I Change My Medicare Advantage Plan After the Dec. 7th Deadline? Hello Toni: I recently attended a Medicare Advantage meeting because my Medicare Supplement Plan F is costing me $220 a month and was going to join. A friend introduced me to your articles explaining...
Is an MSA Like an Employer HSA Plan?
Is an MSA Like an Employer HSA Plan? Morning Toni: Never have I seen this question asked in your column. I am leaving employer’s insurance and have an HSA that has a $5000 deductible before the group health plan will begin to pay. I would like to know if there is a...
2020 Medicare Part D Changes…Released!
2020 Medicare Part D Changes…Released! Reader Alert: Effective October 1st, the new Medicare.gov website was released…. Toni: Last year, the 2019 Medicare and You handbook did not include the 2019 Part D deductibles and “Donut Hole” costs, and I got in the “famous”...
How Can I Leave Medicare Advantage Plan and Return to Original Medicare?
How Can I Leave Medicare Advantage Plan and Return to Original Medicare? Toni: Last year, I made a mistake and changed to a Medicare Advantage Plan because I understood from talking with my friends that this PPO plan has an in-network and out of network provider and...
Under 65 What Should I Do During Medicare Annual Period (aka Open Enrollment)?
Under 65 What Should I Do During Medicare Annual Period (aka Open Enrollment)? Reader Alert: Effective October 1st, the new Medicare.gov Medicare plan finder was released. Navigating this site is not easy. Please take your time when searching a new Medicare Part D...
Toni Says® Tips for Medicare Open Enrollment
Toni Says® Tips for Medicare Open Enrollment Toni: I just received a phone call saying there is a federal law that I change my Medicare during Medicare’s Open Enrollment? The Toni Says® office helped us with our Medicare decision in January when my husband retired...
Medicare Annual Enrollment! What Do I Do?
Medicare Annual Enrollment! What Do I Do? Dear Toni, This is my first Medicare Annual Enrollment and I don't know anything about this process? Which program is good, and which one is not? I do have some health problems and am concerned I am making the correct choice....
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