Turning 65 with Cancer… Is Medicare Advantage Right for Me?
Hi Toni, I am turning 65 this August and have no idea what I should do because I have lung cancer. Currently I am on a COBRA policy from my old employer with all of my medical bills now being paid because I have met my deductible. I receive all of my care from MD...
Texas Teacher Alert…Medicare Options TRS is NOT Disclosing!!
Toni: I am a retired Texas teacher and I am turning 65 this October. I am absolutely mortified by the TRS changes that I am hearing through the grapevine. My doctor is not accepting Humana Medicare Advantage and I am concerned about future health issues. I have...
Concerns Are Rising About Doctors Not Accepting Medicare!!
Hi Toni: This week, I went to see my primary care doctor and his office said that since Medicare is primary on my insurance, I would have to pay the complete bill and file the claim with Medicare myself. I am 68 years old and decided to retire with a May 1st effective...
Little Secrets to Enrolling in Medicare Correctly!!
Hello Toni: I am turning 65 this September and have great retirement benefits from the company I worked for 20 plus years. I have spoken with HR about what I need to do with enrolling in Medicare and they advised me not to enroll in Part B because I have...
Happy 4th of July!!!
Please enjoy this tribute to the greatest country on the face of this earth, and God Bless everyone that has fought and sacrificed to give us the freedoms that we have today. Have a wonderful and safe 4th of July. Toni Sue
256,000 Retired Teachers Affected By TRS-Care Medicare Benefit Changes!
Toni: The past few weeks, I have been receiving emails from the TRTA (Texas Retired Teachers Assoc.) regarding changes with TRS-Care which is the retiree health insurance program. What I have been reading does not seem good for those who are retired under or over 65....
Learn the ABC’s of Medicare and Social Security; This Is What Every Baby Boomer Needs To Know!
[vifblike] Hi Toni, I follow your column and clip them for future reference. I am now approaching 65 in August. I need to enroll in Medicare and learn the plan differences between Medicare and an Advantage Program I am considering. I understand I can sign up at Social...
Helpful tips to avoid the Financial Crisis of the Medicare Donut Hole!!!
[vifblike] Toni: Last year, my mother got into the “donut hole” in October. I can see from the Part D statement she receives that she is rapidly approaching the donut hole and it is only the beginning of May. None of her drugs have changed from 2016. She can afford...
Will the New Medicare Observation Hospital Rule Impact You?
[vifblike] New Medicare hospital rule regarding observation notification went into effect Wednesday, 3/8/2017. Be prepared! On Monday, April 3rd, the Toni Says Medicare team attended the MACRA informational Medicare meeting which informed insurance agents in...
Has the New Medicare Rule Affected Medicare Advantage Plans?
[vifblike] Toni: Last week you wrote about how the MOON (Medicare Outpatient Observation Notice) rule affects “Original Medicare”. My husband has enrolled in a Medicare Advantage HMO and I am wondering how this rule will affect his hospital stay. Thank you, Maria...
Social Security Knows Social Security… Not Medicare Underwriting Rules!
[vifblike] Toni: Thank you so much for taking my phone call this morning. My husband and I signed up in December 2016 for Medicare Part B with the understanding that once I retired I had 60 days to obtain supplemental insurance. I just happened on your Medicare...
Retired TRS Teacher Turning 65… Keep Original Medicare for Health Issues!
[vifblike] Toni: I am a retired teacher and my Medicare began March 1st. I chose to go with TRS 2 and Original Medicare. I need the flexibility of picking my own medical providers since I am having bypass surgery in a few weeks. The Toni Says team enrolled me in a...
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