Enrolling in Medicare over 65 with health issues (2024)

Weather Alert

Weather Alert

...The Flood Warning continues for the following rivers in Texas...Attoyac Bayou Near Chireno affecting Shelby, Nacogdoches, Ruskand San Augustine Counties.For the Attoyac Bayou...including Chireno...Minor flooding isforecast.PRECAUTIONARY/PREPAREDNESS ACTIONS...Do not drive cars through flooded areas.Caution is urged when walking near riverbanks.Turn around, don't drown when encountering flooded roads. Most flooddeaths occur in vehicles.For more hydrologic information, copy and paste the following websiteaddress into your favorite web browser URL bar:https://water.noaa.gov/wfo/SHVThe next statement will be issued Tuesday morning at 1000 AM CDT.&&...FLOOD WARNING NOW IN EFFECT UNTIL SATURDAY EVENING...* WHAT...Minor flooding is occurring and minor flooding is forecast.* WHERE...Attoyac Bayou near Chireno.* WHEN...Until Saturday evening.* IMPACTS...At 16.0 feet, Expect flooded paths and secondaryroadways. Move livestock and equipment to higher ground.* ADDITIONAL DETAILS...- At 9:30 AM CDT Monday the stage was 16.1 feet.- Bankfull stage is 14.0 feet.- Recent Activity...The maximum river stage in the 24 hoursending at 9:30 AM CDT Monday was 16.7 feet.- Forecast...The river is expected to fall below flood stageearly Saturday morning and continue falling to 13.9 feetSaturday morning.- Flood stage is 14.0 feet.- Flood History...This crest compares to a previous crest of16.1 feet on 01/10/2016.- http://www.weather.gov/safety/flood&&

Weather Alert

...The Flood Warning continues for the following rivers in Texas...Sabine River Near Beckville affecting Harrison, Rusk, Panola andGregg Counties.For the Sabine River...including Beckville...Moderate flooding isforecast.PRECAUTIONARY/PREPAREDNESS ACTIONS...Do not drive cars through flooded areas.Caution is urged when walking near riverbanks.Turn around, don't drown when encountering flooded roads. Most flooddeaths occur in vehicles.Motorists should not attempt to drive around barricades or drivecars through flooded areas.For more hydrologic information, copy and paste the following websiteaddress into your favorite web browser URL bar:https://water.noaa.gov/wfo/SHVThe next statement will be issued Tuesday morning at 945 AM CDT.&&...FLOOD WARNING REMAINS IN EFFECT UNTIL FURTHER NOTICE...* WHAT...Minor flooding is occurring and moderate flooding isforecast.* WHERE...Sabine River near Beckville.* WHEN...Until further notice.* IMPACTS...At 30.0 feet, Expect moderate to severe flooding of thelowland floodplain for the next several days.* ADDITIONAL DETAILS...- At 8:45 AM CDT Monday the stage was 27.9 feet.- Bankfull stage is 25.0 feet.- Recent Activity...The maximum river stage in the 24 hoursending at 8:45 AM CDT Monday was 28.1 feet.- Forecast...The river is expected to rise to 30.8 feet Fridaymorning. Additional rises are possible thereafter.- Flood stage is 26.0 feet.- Flood History...This crest compares to a previous crest of30.4 feet on 05/01/2016.- http://www.weather.gov/safety/flood&&

Weather Alert

...The Flood Warning continues for the following rivers in Texas...Sabine River At Longview affecting Rusk and Gregg Counties.For the Sabine River...including Longview...Major flooding isforecast.PRECAUTIONARY/PREPAREDNESS ACTIONS...Do not drive cars through flooded areas.Caution is urged when walking near riverbanks.Turn around, don't drown when encountering flooded roads. Most flooddeaths occur in vehicles.Motorists should not attempt to drive around barricades or drivecars through flooded areas.For more hydrologic information, copy and paste the following websiteaddress into your favorite web browser URL bar:https://water.noaa.gov/wfo/SHVThe next statement will be issued Tuesday morning at 945 AM CDT.&&...FLOOD WARNING REMAINS IN EFFECT UNTIL FURTHER NOTICE...* WHAT...Moderate flooding is occurring and major flooding isforecast.* WHERE...Sabine River at Longview.* WHEN...Until further notice.* IMPACTS...At 35.0 feet, Expect severe flooding of several thousandacres of river bottom along with petroleum equipment, secondaryroadways, and several structures. Preparations should be completedfor a major flooding event.* ADDITIONAL DETAILS...- At 9:00 AM CDT Monday the stage was 34.5 feet.- Bankfull stage is 25.0 feet.- Recent Activity...The maximum river stage in the 24 hoursending at 9:00 AM CDT Monday was 34.5 feet.- Forecast...The river is expected to rise to a crest of 36.0feet early Wednesday morning.- Flood stage is 25.0 feet.- Flood History...This crest compares to a previous crest of36.0 feet on 05/25/1989.- http://www.weather.gov/safety/flood&&

  • Toni King

Enrolling in Medicare over 65 with health issues (2)

Hello Toni,

I am retiring on January 1,2025 and am beginning to search for the right Medicare option for me and my wife, who is having cancer treatment at a local cancer center. Her cancer treatment drugs are expensive, and I am concerned about the Medicare Part D out-of-pocket. I am a diabetic and use a flex pen and take high blood pressure medications. Most of my prescriptions are generic, except for the diabetic prescriptions.

Our Medicare Part B will begin January 1 as my company benefits will end December 31 of this year. What should I do to prepare for this medical insurance change? I will be 70 and my wife, Sandy, is turning 65 by the time I retire, and I want to be sure I do this correctly.

Toni, I’m looking forward to what you have to say about this stressful Medicare subject.

Thanks,

Scott from San Diego

Great question, Scott:

When we meet with clients during a Toni Says® Medicare consultation, we emphasize that “Medicare is not cookie cutter … one size does not fit all!” Everyone’s finances, health, and prescriptions are different, and your health care needs, as well as the prescription drugs that you take, should be considered in finalizing your Medicare choices.

The cornerstone of Medicare planning at the Toni Says offices is discussing Medicare Part D prescription drug planning. Scott, it is imperative to search for the most cost-effective Medicare Part D prescription drug plan that covers all the prescriptions that you and Sandy have.

Many people simply don’t practice proper Medicare Part D planning. They are more concerned about their doctors and fail to notice whether their prescriptions are covered under their new Medicare Part D or Medicare Advantage prescription drug plan. (To understand Medicare Part D and the famous “donut hole,” read chapter 5 of Toni’s Medicare Survival Guide Advanced edition.)

Every Medicare Part D plan has a formulary, whether it is a stand-alone Part D plan or Medicare Advantage (Part C) with prescription drug plan. If your drugs are not on that formulary, you will pay 100% out of your pocket.

The 2025 Medicare Part D plans will be released this fall on October 1. Scott, I recommend that you and Sandy begin researching which Medicare Part D plan covers all your prescriptions and has the best price since you are retiring on January1.

Medicare Part B is like “gold” because of what it offers, and those receiving Medicare Part B for the first time need to understand the value of the Medigap/Medicare Supplement Open Enrollment Period. The Medicare & You Handbook discusses when to buy a Medicare Supplement: “The best time to buy a Medigap policy is during your Medigap Open Enrollment Period. This 6-month period begins the first month you have Medicare Part B (Medical Insurance), and you’re 65 or older.”

During this 6-month window you can enroll in any Medicare Supplement plan without having to answer any health questions and you cannot be denied coverage. After the 6-month window, then medical underwriting takes place, and those with existing health problems may not qualify for a Medicare Supplement Plan.

Many new Medicare beneficiaries explore the option of a Medicare Advantage plan (Part C) which can be a good option. With the health conditions that you and Sandy have, Scott, be sure that you discuss with all your doctors which Medicare Advantage HMO or PPO plans they accept.

Understanding the complexity of Medicare is exhausting to America. For answers to your Medicare questions, call the Toni Says Medicare team at 832-519-8664 or email info@tonisays.com. Toni’s Medicare Moments articles have just been released at https://familytalktoday.com/medicare-moments. The Medicare Survival Guide Advanced edition is available at www.tonisays.com.

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