Major Change to Medicare Part D in 2024?
Major Change to Medicare Part D in 2024? Toni: This year, I got into the Medicare “Donut Hole in July and got out of it in September. I am not sure what I will pay when I leave the Donut Hole? I can see from the Part D monthly statement that my prescription...
Should I Enroll in Medicare When Turning 65 and Still Working?
Should I Enroll in Medicare When Turning 65 and Still Working? Hello Toni: I am turning 65 soon and working full-time with employer benefits. I am receiving conflicting information from friends and co-workers regarding enrolling in Medicare. Some say to enroll...
Medicare Rules Confuse HR Dept.
Medicare Rules Confuse HR Dept. Hello Toni: I am a HR Manager for a local oil & gas company and have a question about an employee. He is turning 65 and still working full time. His situation is a little different because next month he will begin...
Medicare Questions from Toni Says® Readers
Medicare Questions from Toni Says® Readers This week’s Toni Says Medicare column consists of “What if” Medicare questions from Toni Says® readers around the United States. “What if” I did not enroll in a Medicare Part D plan when I turned 65 and I am taking an...
“Still Working” … Medicare’s Magic Words for Enrolling in Part B Correctly!!
“Still Working” … Medicare’s Magic Words for Enrolling in Part B Correctly!! Dear Toni, I’m losing the battle with Social Security about me and my wife enrolling in Medicare Part B since I am losing my group benefits effective July 31. I took early retirement during...
Changing Medicare Plans Can Be Nerve-Wracking!!
Changing Medicare Plans Can Be Nerve-Wracking!! Toni: When I first enrolled in Medicare in 2019, I picked a Medicare supplement plan F. In 2021 I was approached by a telemarketer on my cell phone, and he talked me into Plan K which cost less than Plan F since I...
Can A Clinical Trial Prescription Drug Avoid the Donut Hole?
Can A Clinical Trial Prescription Drug Avoid the Donut Hole? Toni: I turn 65 in May and am covered by my wife’s employer group health insurance. I’m fighting stage 3 kidney cancer and the prognosis is good since I am participating in a clinical trial for a new...
Medicare Scams are Exploding!!
Medicare Scams are Exploding!! Toni: I am very concerned about a phone call I received yesterday from a representative with Medicare asking all types of personal questions and informing me that there was a new plastic Medicare card with a chip like a credit...
What is Medicare’s “creditable” prescription drug coverage?
What is Medicare’s “creditable” prescription drug coverage? Hello Toni: I turned 65 in August 2021, continued to work full-time with an HSA that has a $3,000 deductible for medical claims paid by the insurance plan, and used a prescription discount card to cover...
Should I Apply for Social Security Disability While Receiving Medicaid?
Should I Apply for Social Security Disability While Receiving Medicaid? Toni: I am a 59-year-old female and in June,2022 I was diagnosed with stage IIIA metastatic breast cancer. A non-profit Cancer program in Houston qualified me under Medicaid (Breast/Ovarian cancer...
Warning: Taking Medicare advice from your friends can be costly!
Warning: Taking Medicare advice from your friends can be costly! Hi Toni: I met with you in late 2021 for a Toni Says personalized Medicare consultation. I have a quick question regarding travel outside the United States because I’m planning a trip to Greece next...
Medicare Now Covers Shingles Vaccine at NO Cost!
Medicare Now Covers Shingles Vaccine at NO Cost! Toni: I was recently told that to receive a shingles vaccination I needed to have a Medicare Part D prescription drug plan to get the vaccination or pay $200. I thought all vaccinations and immunizations were...
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