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TONI SAYS: Making sense of Medicare’s inpatient ‘under observation’ hospital rule

Toni, I have Original Medicare with a Supplement and in October, I was taken by ambulance to the ... Read more

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TONI SAYS: 2025 Part D plan does not cover my expensive insulin brand … what do I do?

Toni: In 2022, the Toni Says Medicare team enrolled me in Medicare with Medicare Supplement and Medicare Part ... Read more

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TONI SAYS: I’m 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: ... Read more

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TONI SAYS: What changes are available during Medicare’s AEP?

Toni: In August, my husband and I enrolled in a Medicare Supplement, which has not paid a medical ... Read more

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TONI SAYS: Major change coming to Medicare Part D in 2025

Toni: I understand that there is a major change to the 2025 Medicare Part D plan with the ... Read more

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TONI SAYS: Which Medicare option is right for you?

Reader Alert: Medicare Advantage and standalone Medicare Part D plans with specific 2025 plan changes and new prescription ... Read more

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TONI SAYS: I’m turning 65 — how does Medicare’s fall enrollment affect me?

Dear Toni, A friend introduced me to your Medicare column because I’m stressed about what I need to ... Read more

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TONI SAYS: Medicare enrollment rules for Social Security Disability

Dear Toni, My sister Sally has been qualified for Social Security Disability for the past 24 months, due ... Read more

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TONI SAYS: Can I use my HSA card to pay my Medicare premium?

Dear Toni, My Medicare starts Oct. 1 and I received my first bill, due on Sept. 25, about ... Read more

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TONI SAYS: What health network does Medicare use?

Hi Toni, In September I turn 65. I’m on COBRA from my job, which I retired from in ... Read more