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.
Is It Medicare Time for Me if I’m Turning 65 in March? Toni, I turn 65 in March and overwhelmed by the overload of marketing calls/mail I am getting regarding enrolling in Medicare. Each company says theirs is the best, but they all offer the same thing with dental,...
Medicare Premiums and Deductibles Increase in 2024 Hello Toni: I recently enrolled in Medicare and received my 2024 Medicare and You handbook and cannot find the 2024 Medicare costs will be? Do you have any idea what the new Medicare costs are? Thank You, Cindy from...
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. 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 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...
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...
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...
Understanding Medicare…It’s Complicated! Toni: I am turning 65 in September and need make my Medicare decision. I do not know where to start or what to do? I am being bombarded by telemarketers and mail telling me that if I do not sign up for Medicare when I turn...
Can Beginning RMDs Raise Your Medicare Premiums? Toni: I am over 73 and began taking my RMDs (required minimum distributions) from my 401K when I turned 72. Could this have had an impact on my Medicare Part B premium increase for 2023? This year my Part B and...
Help!! Medicare Is NOT Paying My Medical Claims!! Dear Toni, My husband recently retired from his job and because I am over 65, I needed to sign up for Medicare. I had to go to the local Social Security office with the Request for Employment Information form (CMS...
