Deciding to work past 65 shouldn’t mean risking your healthcare coverage. One of the most common “Medicare Maze” traps involves the transition from a company plan to Medicare.
At ToniSays, we translate complex insurance jargon into plain English. Explore our collection of insurance help articles to find answers about:
Employer Group Plans: Knowing when you can delay Part B without a penalty.
Secondary Coverage: How private insurance picks up where Medicare leaves off.
The Transition: Moving from COBRA or individual plans into the Medicare system safely.
LOOKING FOR MORE? Browse all of our retirement resources.
Help…employer health plan denies payment for my cancer claim! Dear Toni: I need your assistance to enroll in Medicare because I am past 65 and still working full-time with employer benefits. Sherry, the office manager, from my cancer doctor’s office, said that...
Doctor no longer accepts Medicare…How do I file a medical claim? Hi Toni: I recently enrolled in Medicare. This week, I went to see my primary care doctor and his office manager informed me that they are no longer accepting Medicare. Instead, I will have to pay the...
What Life Insurance Plans Are Offered after 65? Hi Toni: You recently wrote an article explaining the hospice issues that you were experiencing regarding your mother. Please let your Toni Says Medicare column readers know other ways hospice comforts the...
Get Ready…Hurricane Season Begins June 1st!! Toni: In August 2017, Hurricane Harvey absolutely devastated my wife. Now, her 88-year-old mother is living in an assisted living facility, and we live over 10 miles away from her. What can we do to be prepared for...
Cancer Treatment Not Covered By Employer Health Insurance… Help Toni! I have developed a rare form of cancer that requires the use of proton therapy and my problem is that my employer’s health insurance does not cover proton therapy. I must pay all the costs....
Are You Prepared for An Unexpected Accident or Illness? Hi Toni: Recently, I had a bad car wreck and ended up in the hospital with only a minor concussion from hitting the windshield and my wife was not hurt at all. I was surprised when the hospital asked for my...
Toni: We are new to the Houston area and Hurricane Harvey absolutely stressed my wife because her 89-year-old mother is living in an assisted living facility and we live over 15 miles away from her. What can we do to be prepared for another hurricane or an emergency...
Toni: We are new to the Houston area and last week Tropical Storm Cindy absolutely stressed my wife because her 84-year-old mother is living in an assisted living facility and we live over 10 miles away from her. What can we do to be prepared for a hurricane or an...
Toni: The past few weeks, I have been receiving emails from the TRTA (Texas Retired Teachers Assoc.) regarding changes with TRS-Care which is the retiree health insurance program. What I have been reading does not seem good for those who are retired under or over 65....
[vifblike] 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 my employer health insurance plan does not cover proton therapy. I will have to pay all of the costs from my 401K. My...