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.
Does Medicare Approve Clinical Trial Prescription Drug Programs? Toni: I turn 65 in May and am covered by my wife’s employer group health insurance. I am fighting stage 3 kidney cancer and the prognosis is good since I am participating in a clinical trial for a new...
2021 Medicare Premiums and Costs Released Hello Toni: I have recently enrolled in Medicare and received my 2020 Medicare and You handbook and cannot find what the 2021 Medicare costs will be? Do you have any idea what the new Medicare costs are? Why weren’t the...
Have Cancer…. Must Return to Original Medicare During Medicare Annual Enrollment!! Toni: Last year, I made a mistake when I retired and enrolled in a Medicare Advantage PPO plan because I understood from talking with retired co-workers and friends that this PPO plan...
Marketing During Medicare Annual Enrollment Is Stressful!! 3 Weeks until Thursday, October 15-Medicare Annual Enrollment- Toni: I just received a phone call saying there is a federal law that I change my Medicare during Medicare’s Annual Enrollment? The Toni Says®...
Does Medicare Cover “Expensive” Injections in Doctor’s Office? Toni: I have been laid off this week with my current employer’s benefits ending August 31. I turn 65 in August and will be enrolling in Medicare. My employer group health plan currently has an HSA with...
What is a Retiree HRA Account? Hi Toni: My husband is an oil company retiree and two weeks ago, we received a letter stating that his employer is terminating all Medicare eligible retirees Aetna and Express Scripts group benefits with a termination date of September...
Enrolled in Medicare…Now I Can’t Fund My HSA! Reader Alert: Toni turned 65 on Wednesday, May 20th and has now joined the maze of Medicare. She will discuss what Medicare issues she meets in the future. Hi Toni I attended one of your seminars and now I need help with...
Laid Off…Turn 65 April 30th, What Do I Do?? Toni: I need your help to enroll in Medicare because I will turn 65 on April 30th. On April 10th, I was laid off due to the current economic conditions. My employer benefits ended the day I was laid off. I have no idea...
Will Medicare Cover Long Term Care Issues Caused By COVID-19? Morning, Toni: I read your recent article about COVID-19 and Medicare and recently my husband has contacted this terrible virus. He has been in ICU due to his delicate health issues because he is an...
Receiving Long Term Disability…Now My Medicare Nightmare Begins? Reader Alert: Many company benefit plans terminate the day you are no longer working full-time. Explore you or your spouse’s group medical plan rules and options with Medicare if you are 65 or older....
