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...
Insurance Help
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:
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Employer Group Plans: Knowing when you can delay Part B without a penalty.
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Secondary Coverage: How private insurance picks up where Medicare leaves off.
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The Transition: Moving from COBRA or individual plans into the Medicare system safely.
LOOKING FOR MORE? Browse all of our retirement resources.
Hurricane Season
Hurricane Season Begins June 1st… Ready...if Your Family Needs to Leave Fast!! Hello Toni: I am new to the Houston area and all of the flooding happening without warning causing havoc in our neighborhood. I am sure that a hurricane is 10 times worse. I am very...
I Retired… COBRA Was NOT the BEST Choice for My Husband’s Medicare!!
Don’t Wait to Enroll in Part B When Retiring and Enrolling in COBRA! Dear Toni: I am a 62 year old female who was a Vice President of the company which I retired from June of 2014. My husband is 75 and has always been carried on my health insurance policy. I was...
Houston…We Have a Problem!! Be Prepared if You Are Laid Off!!
Toni: I work in the oil industry and April 9th I was laid off as many others have been. I am 67 and my wife who is covered under my group plan is 66. My group benefits ended the next day April 10th. Making things worse, I was asked to put my personal belongings in a...
Lost Your Job…What Should You Do Next?
Toni: I have worked in the oil industry for 30+ years and April 6th I was laid off as many others have been. I am 69 and my wife who is covered under my group plan is 62. We will have company group health coverage thru May, but after that I have to either go on...
I Did Not Enroll in Obamacare…Will I Get A Penalty?
Good Morning, Toni: I am a 58 year old female who qualified for Social Security Disability this February because I have MS which keeps me from working. I am waiting for Medicare to begin and because of that I did not enroll in Obamacare. I think I made a mistake...
Can I Delay Medicare to Keep Funding My Company’s HSA?
Hi Toni: I have a few questions about Medicare and our employee benefits. I am the benefits administrator for a company and I need to provide information to our employees since, we have 2 health plans, a PPO and a high deductible HSA. Most of the employees have...
Rumors about the Affordable Care Act and Medicare?
Toni: I will be 70 on June 20, 2014 and have decided to retire effective June 1. I have always had company benefits and because of healthcare reform my company is no longer covering retirees. Now I have to make new Medicare choices. I would...
I Have Medicare…Do I Enroll In Obamacare??
Help Toni: At church last week, we were discussing the new Obamacare insurance and are not sure if I should enroll in it. I am 68 year old male, retired last year and have a Medicare Advantage plan. I’ve been told that I need to disenroll since Medicare open...
doctors not accept new medicare patients
Reader Alert: 11 weeks to October 15th…Medicare’s Open Enrollment Countdown… Hi Toni: This week, I went to see a neurologist and his office said that since medicare is primary on my insurance, I would have to pay upfront the complete bill and be reimbursed by...
