What Does the “T” at the End of My Medicare Number Mean?
Toni: In January, I applied for my Medicare card and the card arrived yesterday, but I don’t understand why my Medicare number is my Social Security number with a “T” at the end. What is the “T” for? Most of my friends have an “A” on their card. Now I’m concerned...
Can Beginning RMDs at 70 Raise Your Medicare Part B & D Premiums
Toni: For the past two years, my Medicare Part B premiums have gone up. I am over 70 and began taking my RMDs (required minimum distributions) from my 401K. Could this have had an impact on my Medicare Part B premium increase? This year my Part B and Part D...
2017 Medicare Part D Donut Hole…What is it?
Toni:This year, I got into the “donut hole” in September. It has financially devastated and I almost stopped taking my prescriptions. I can afford my monthly $80 co pays but on my statement, it says the actual prescription drugs cost is $950.00 per month. How can I...
Husband Retiring…Why Is He Receiving An 11 Year Part B Penalty?
Husband Retiring…Why Is He Receiving An 11 Year Part B Penalty? Toni: My husband is finally retiring from the company he has worked at since 1995 and now our Medicare nightmare is beginning. Jim’s company has changed ownership many times since he turned 65 in...
Turned 65…Delayed Part B…Now Laid Off…
How Do We Enroll in Medicare? Hi Toni: I am a stay at home wife with a husband who was planning to retiring next summer, so I went online and delayed my Medicare Part B in November because I turn 65 on December 9th. Last Friday my husband came...
Will Trump Repealing Obamacare Change Medicare?
Will Trump Repealing Obamacare Change Medicare? Toni: Last week you opened my eyes to Medicare’s Donut Hole. I retired from company benefits and began my Medicare January 1st. I am concerned about what changes will happen if Trump repeals Obamacare. I would like to...
Medicare Facts Every Baby Boomer Should Know
Medicare Facts Every Baby Boomer Should Know Toni: I am a confused Baby Boomer who needs to make my Medicare decision in March 2017 when I turn 65. I do not know where to start or what to do? Can you please help simplify this ordeal? Thanks, Brenda...
Insurance Giant…John Hancock Leaves
Insurance Giant…John Hancock Leaves Long Term Care Market Dear Toni: On Thursday, I read an insurance alert that John Hancock is leaving the long term care market in December. My husband is retiring next year and we are now in the process of...
2017 Medicare Cost Released
2017 Medicare Cost Released…with an Affordable Part B Premium Increase! Hello Toni: I have recently enrolled in Medicare and have received my 2017 Medicare and You handbook. I have looked all through this book and cannot find what the 2017 Medicare Part...
Medicare’s…Enrollment Check-List!!
Medicare’s… Enrollment Check-List!! Hello Toni: My husband, David, has been laid off because of what is happening to oil companies in the Houston area. He is 68 and has never enrolled in Medicare, but I am turning 65 in November. We both are covered under his...
Part D Deductibles and Co Pays
2017 Medicare & You Handbook DOES NOT… Include Part D Deductibles and Co Pays!! Toni: Just received my new 2017 Medicare and You handbook and I cannot find what the 2017 Part D deductibles and “Donut Hole” costs are. I need help because I...
Oil Companies Dropping Retiree Medicare Plans!
Know Your Medicare Options. Oil Companies Dropping Retiree Medicare Plans! Help Toni: I am so nervous over what is happening with my husband’s retirement benefits. He worked for Chevron for over 30 year and beginning January 1st we will not have any company benefits....
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