ArcaMax

Morning, Toni:

I am retiring in January, when I turn 70 and my wife, Sharon, will be 66. I have heart issues, with atrial fibrillation (AFib), and Sharon is a diabetic. Last month, we each applied for a long-term care policy and were both denied due to our health. The agent who helped us search for long-term care insurance plans said that ...Read more

Dear Readers: Recently, I received a text message from a Toni Says Medicare client that I would like to share with you. The text reads Toni: I need to put together a 24/7 home care recovery plan after a liver transplant. The surgery is over a year out, but I would appreciate your advice on how to plan for this medical event. Thanks in ...Read more

Hello Toni,

My sister has collected your articles on Medicare for years and suggested that I contact you about my Medicare issue. I turn 65 on October 20 and am preparing to retire next February. I have a question about my enrollment timing.

I plan to work through January 2026 to help with the transition of my job...Read more

Dear Toni:

I recently had a hospice agent knocking on the doors in my neighborhood who said he represented Medicare. He was giving away free hospice gifts and told me that I could receive these Medicare services at no charge for me and my husband. I told him that I did not give out personal information to anyone that I do not know because I ...Read more