2025 Medicare Deductibles and Premiums Released   Hello Toni: In the new Medicare & You Handbook that I received about a month ago, I cannot find what the 2025 Medicare costs and premiums will be. I would like to know this information because I have been...

Turning 65 and Still Working…I have Medicare Questions?? Hello Toni: I have a few questions about enrolling in Medicare since I am turning 65 this January. 1) Will my Medicare start automatically in January since I am still working? 2) If I retire when I’m 67, do I...

Major Change to Donut Hole for 2025 Toni: I understand that there is a major change to the 2025 Medicare Part D plan with the “Donut Hole” going away. I’m concerned because this year, I entered the donut hole in July and will exit it in November. This month’s Part D...

How to inform Medicare that your income is lower   Dear Toni, I began taking my RMDs (Required Minimum Distributions) from my 401(k) when I turned 72 and my Medicare premium in 2024 is $454.20 for Part B and $53.80 for Part D. Did taking my RMD with my Social...

I received a 250% premium increase on my 2025 Part D plan...Help!!   Toni: I received my new 2025 Part D premium with the plan increase going up by 250% from $25.00 a month to over $60.00. I was informed that my diabetic insulin and one of my high blood pressure...