Reader Alert:  Many company benefit plans terminate the day you are no longer working full-time.  Explore you or your spouse’s group medical plan rules and options with Medicare if you are 65 or older.   Morning Toni:             My wife and I desperately need...

IRS Phone Scam Affects Over 1 Million… Learn What To Do!!   Reader Alert:             This week, I, Toni King received a voice mail call on my personal cell phone from an 800 number Robo call claiming to be the IRS.  I was told via this call that I owed money to...

Husband Laid Off …Will Medicare Pay for Medical Care Overseas As A Contract Worker!!   Toni:               My husband, who is turning 65 this September, was laid off from a major oil company this year and the only way he can make a living is as an engineer on a...

Rumor is…Medicare Supplement Plans F & C  Are Going Away After Jan.1, 2020?   Morning Toni:             I am turning 65 in October and noticing a difference in the premiums between many of the Medicare Supplement plans.  F is considerably higher in premium...

Still Working with Company Benefits  and Totally Overwhelmed! Hello Toni:              Your name was given to me by my company’s benefits administrator in North Carolina to assist me with my Medicare options.  I turned 65 last December, 2015 and now I am concerned...

Can’t Afford to Pay My Medicare Premium Bill… What Can I Do? Toni: My Medicare begins June 1st and I have received my first bill which is $487.20.  This bill is for 4 months from June 1st to September 30th.  I thought Medicare was monthly.  If I pay this amount, then...

Do’s and Don’ts of Going to the Social Security Office   Morning Toni:             I found that even when all the "i's" are dotted and the "t's" are crossed and the paperwork is filled out correctly that Social Security can still royally screw up.             I...

Why is My Part B Premium Over $400?   Dear Toni: I lost my job in December when the oil prices began to tank.  I was an engineer and today I received a letter from Social Security stating that I have to pay $389.80 for Part B and $72.90 for Part D, totaling over...

Medicare Health Plan or Medicare Part D Prescription Drug Plan?   Toni:  I am retiring January 1, 2017 and am beginning to search for the right Medicare option for me and my wife, who is having breast cancer treatment at MD Anderson. Her cancer treatment drugs...