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Whether you’re a Baby Boomer getting ready to enroll in Medicare, already on a plan and trying to make sense of your coverage, or helping a parent through the process… you’re in the right place.

Medicare is health insurance provided by the federal government. For most people, it begins at 65, but it can also cover younger adults with certain disabilities or specific medical conditions. It’s been around since 1965, and it can help with costs like hospital care, doctor visits, outpatient services, and prescriptions. The tricky part is learning how the “parts” fit together—and figuring out what you actually need.

Below, you’ll find ToniSays.com articles and resources that break down Medicare into plain English, step-by-step.

What Can I do if Medicare Won’t Pay for Care I Received?

Dear Toni: I am just so confused with Medicare because I have a bill with a new doctor and Medicare says they will not pay?  I never had this type of problem when I worked and was on a company plan.  Can you please tell me what to do?  I really do not know who I...

Need Help Understanding My Medicare Options?

Dear Toni, I will be turning 65 on June 23,2013and absolutely don't know anything about Medicare, how to apply, when to apply where to apply? How to select to what and when?? Which program is good and which one is not? I do have some health problems and am concerned I...

I Have Cancer!! Which Medicare Option is Right??

Hi Toni,             I just love your column. I am retired and turning 65, this June and have no idea what I should do?? Currently I am on a COBRA policy from my old employer.               I am a type 2 diabetic, have high cholesterol, hypertension, but my main...

Why Do I Owe $28,000…I have Medicare!!

  Toni, I am having problems with TRS/Aetna and Medicare. My wife is a retired Ft. Bend school teacher. I am retired and currently 66 years old. I am covered under her Aetna plan. When I turned 65, I enrolled in Medicare Part A only. I did not enroll in Part B...

Medicare Myths

  Toni….I have been following your “Toni Says” facebook page and last week you had a chart discussing different myths of Medicare.  It seems I am just as confused as those taking the survey. Can you explain the myths on the survey?  Thanks, Fred from Sugar Land, TX...

NEW TO MEDICARE!! WHAT IS MY BEST OPTION?

Dear Toni, I will be turning 65 on January 23,2013and absolutely don't know anything about Medicare, how to apply, when to apply where to apply? How to select to what and when?? Which program is good and which one is not? I do have some health problems and am...

Doctors Accepting Medicare Get a BREAK!!!

Good News for those on Medicare:  On Friday, February 17, 2012, Congress approved the Middle Class Tax Relief and Job Creation Act of 2012(H.R. 3630). Not only did this bill help people’s pay checks or whatever the news media was reporting…but the bill also saved the...

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...

Veterans Benefits and Medicare are Confusing!!

Veterans Benefits and Medicare are Confusing!!

  Dear Toni: I am a disabled Viet Nam Vet and am finally turning 65 this March.  I am just completely confused and really not sure with what I should do.  I use Michael DeBakey VA Center for all of my Doctor visits and prescriptions.  I have talked with a few...

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