Toni, I am turning 65 in September…I recently enrolled in Medicare and only part A. My husband is still working and insists that we are still both covered by medical & prescription drugs. He said to wait until he retires to enroll in part B which he anticipates to...
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.
New to Houston with Elderly Mother Hurricanes Scare Me!!
Hello Toni: We are new to the Gulf Coast area and all of this Hurricane talk makes me nervous. My 78 year old mother is living in an assisted living facility in the Sugar Land area. What can I do to be prepared for a Hurricane or an emergency if one...
Myth or Fact…How Obamacare Affects Medicare?
Hello Toni: I hear so many rumors about how Obamacare is going to affect Medicare. Mainly, doctors are not accepting Medicare and that the Part B premium is going to be over $200 in a few years. Can you please tell me what is true and what is myth or rumor? Thanks,...
Retired Teachers Concerned About TRS Medicare Changes!!
Toni: I suspect you have had a number of questions regarding what is the best course for a Texas retired teacher (with expensive medical costs) and spouse to select between two alternatives; a new PPO Medicare Advantage plan or keeping the old plan at a slight...
I Need Help Affording My Prescriptions!!
Toni: A few months ago, you wrote about how to stay out of or not get into the “Donut Hole” so quick. I have cancer and the cost of drugs associated with my cancer is eating my lunch. Can you please give me some tips on what to do or where I can go to...
Toni Gets Advice on Husband’s Knee Surgery!!
Hi Toni, I saw your paragraph in “The Rancher” about your husband’s knee replacement. My experience is with my Dad and he likely had a lot different circumstances, but I can share this with you. He was 80 when he had the surgery; it was the first time he...
Help!!! Made Wrong Decision for My Mom!!
Dear Toni, Ten days ago, I placed my mother who has Medicare in a "re-hab facility" for approximately three weeks, thinking that her post-hospital therapy would go better there than it would here at home….WRONG….I enrolled my poor mother into The Halls of H*ll, and...
