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.
[vifblike] Hi Toni, I follow your column and clip them for future reference. I am now approaching 65 in August. I need to enroll in Medicare and learn the plan differences between Medicare and an Advantage Program I am considering. I understand I can sign up at Social...
[vifblike] Toni: Thank you so much for taking my phone call this morning. My husband and I signed up in December 2016 for Medicare Part B with the understanding that once I retired I had 60 days to obtain supplemental insurance. I just happened on your Medicare...
[vifblike] Hello, Toni: My husband and I are currently on Medicare with Part B, a supplement, and Part D coverage. We will be moving overseas for a couple of years. I know that there is no coverage from Medicare for overseas expenses. Is there a way to suspend our...
Toni: In January, I applied for my Medicare card and the card arrived yesterday, but I don’t understand why my Medicare number is my Social Security number with a “T” at the end. What is the “T” for? Most of my friends have an “A” on their card. Now I’m concerned...
Will Trump Repealing Obamacare Change Medicare? Toni: Last week you opened my eyes to Medicare’s Donut Hole. I retired from company benefits and began my Medicare January 1st. I am concerned about what changes will happen if Trump repeals Obamacare. I would like to...
Medicare Facts Every Baby Boomer Should Know Toni: I am a confused Baby Boomer who needs to make my Medicare decision in March 2017 when I turn 65. I do not know where to start or what to do? Can you please help simplify this ordeal? Thanks, Brenda...
2017 Medicare Cost Released…with an Affordable Part B Premium Increase! Hello Toni: I have recently enrolled in Medicare and have received my 2017 Medicare and You handbook. I have looked all through this book and cannot find what the 2017 Medicare Part...
Medicare Coverage of Allergy Shots Toni: I am turning 65 this October and currently am enrolled in a Blue Cross/Blue Shield $4,000 deductible individual health insurance plan. My biggest medical expense is from shots that I receive from 2 doctors. One is allergy...
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...
Still Working with Company Benefits and Totally Overwhelmed! Hello Toni: Your name was given to me by my company’s benefits administrator in North Carolina to assist me with my Medicare options. I turned 65 last December, 2015 and now I am concerned...
