Rumor is…Medicare Supplement Plans F & C Are Going Away
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...
Totally Overwhelmed!
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...
Wife Enrolls in TRS Medicare…
Wife Enrolls in TRS Medicare… Husband Loses Retirement Benefits…Why? Toni: My wife is a retired teacher and we are both on her TRS-Care Plan and also on my company retiree health insurance which I use for services at MD Anderson since I am...
Can’t Afford to Pay My Medicare Premium Bill…
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
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...
Laid Off…Enrolled in Medicare…
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...
Retiring…Where Should I Focus…
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...
Turning 65 with Cancer…
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...
Over 700,000 Are Receiving Medicare Penalties…Why?? They Didn’t Know the Rules!
Over 700,000 Are Receiving Medicare Penalties Toni: I desperately need your help! I have just discovered that my mother, who is 67, has never enrolled in Medicare Part B or D. She was under the impression that if she didn’t go to the doctor, she didn’t need to pay the...
Cancer Treatment Is Not Covered By Company Insurance…Need to Enroll in Medicare NOW!
Help Toni! I have developed a rare form of cancer that requires the use of proton therapy at MD Anderson and my problem is that our employer health insurance plan does not cover proton therapy. I will have to pay all of the costs from my 401K. Since I am over 65, I...
Can a Divorcee Still Receive Their Ex-Spouse’s Social Security Check?
Qualifying for your Divorced Spouse’s Social Security Benefits Hello Toni: Can you explain how the new rules effect one receiving Social Security benefits from a divorced spouse after the April 29th deadline? Now that the kids have grown, I am not receiving child or...
Is Your 401K Your Long Term Care Plan?
Your Savings and/or 401K Could Be Wiped Out By Long-Term Care Costs Dear Toni: Recently my 66 year old husband had a massive stroke leaving him unable to take care of himself. Because he is not working fulltime, he has qualified for Medicare with a Medicare...
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