Why am I paying more for my 2025 Part D premium!!
Why am I paying more for my 2025 Part D premium!! Dear Toni: In December 2016, you assisted me and my husband Gary in leaving my employer’s benefits. We enrolled into Medicare Part B with a Medicare Supplement and Part D prescription drug plan with all beginning...
I picked the wrong Advantage Plan… When can I return to Original Medicare?
I picked the wrong Advantage Plan… When can I return to Original Medicare? Toni: I never should have listened to my brother who bragged about how his Medicare Advantage plan was a great way to save money and not have to spend so much on my Medicare supplement...
Making sense of Medicare’s Inpatient “Under Observation” Hospital Rule
Making sense of Medicare’s Inpatient “Under Observation” Hospital Rule Toni, I have Original Medicare with a Supplement and in October, I was taken by ambulance to the emergency room for heart issues. I was surprised when I signed a hospital form stating that I was...
2025 Part D plan does not cover my expensive insulin brand…What do I do?
2025 Part D plan does not cover my expensive insulin brand…What do I do? Toni: In 2022, the Toni Says Medicare team enrolled me in Medicare with Medicare Supplement and Medicare Part D plan including my prescriptions that had co-pay only. When I looked online at...
2025 Medicare Deductibles and Premiums Released
2025 Medicare Deductibles and Premiums Released Hello Toni: In the new Medicare & You Handbook that I received about a month ago, I cannot find what the 2025 Medicare costs and premiums will be. I would like to know this information because I have been...
Turning 65 and Still Working…I have Medicare Questions??
Turning 65 and Still Working…I have Medicare Questions?? Hello Toni: I have a few questions about enrolling in Medicare since I am turning 65 this January. 1) Will my Medicare start automatically in January since I am still working? 2) If I retire when I’m 67, do I...
How to inform Medicare that your income is lower.
How to inform Medicare that your income is lower Dear Toni, I began taking my RMDs (Required Minimum Distributions) from my 401(k) when I turned 72 and my Medicare premium in 2024 is $454.20 for Part B and $53.80 for Part D. Did taking my RMD with my Social...
I received a 250% premium increase on my 2025 Part D plan…Help!!
I received a 250% premium increase on my 2025 Part D plan...Help!! Toni: I received my new 2025 Part D premium with the plan increase going up by 250% from $25.00 a month to over $60.00. I was informed that my diabetic insulin and one of my high blood pressure...
Major Change to Donut Hole for 2025
Major Change to Donut Hole for 2025 Toni: I understand that there is a major change to the 2025 Medicare Part D plan with the “Donut Hole” going away. I’m concerned because this year, I entered the donut hole in July and will exit it in November. This month’s Part D...
Changes Available During Medicare’s AEP…
Changes Available During Medicare’s AEP… Toni: In August, my husband and I enrolled in a Medicare Supplement, which has not paid a medical claim because we are in a Medicare Advantage plan. We could not leave the Advantage plan and return to Original Medicare...
Which Medicare Option is Right for You?
Which Medicare Option is Right for You? Hello Toni: Thank you for teaching us the value of finding the right Medicare option for my husband Clint and me. When he retired at age 70 a few months ago, Clint was determined to go with Medicare Advantage PPO plan because it...
Hospice Gives Caregivers Well Needed Rest
Hospice Gives Caregivers Well Needed Rest Dear Readers: This week I had my own experience with Medicare as my 92-year-old mother has reached her final stage of hospice. I feel it is important for me to explain hospice, so those with a terminally ill loved one learn...
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