ArcaMax

Dear Toni:

I am self-employed with an individual health plan and confused about enrolling in Medicare when I turn 65 in July. I cannot find the answer to my situation in the Medicare & You handbook. A business associate who is also self-employed delayed his Part B because he is under his wife’s company benefits. He is sure that I can delay ...Read more

There has been a lot of talk over the years about Social Security being a "Ponzi scheme." I have addressed this issue many times before, so I don't want to bore my regular readers with another long dissertation. But since a certain billionaire friend of President Donald Trump brought it up yet again, I will make three quick observations.

One: ...Read more

On April 1, I went to the local Social Security office to apply for both my Social Security check and Medicare Part B, since I am turning 70 on April 20. On April 11 I received a letter from Social Security stating that the $3,200 Social Security benefit check will be issued in May to my bank account. To my surprise, the letter states that ...Read more

I doubt if any of you have ever bothered to count, but my average weekly column comes out to about 1,000 words. I bring this up because the other day, a national newspaper asked me to write a one-time Social Security column for them. They told me that wanted me to answer five questions (of their choosing) and that they would give me 500 words of...Read more

In February, my husband, James, was laid off and decided to apply for an individual health insurance plan because he is 62 and could not apply for Medicare. I turned 65 in March and am having a stressful financial issue after enrolling in Medicare. Now my Medicare is costing me $518 for Medicare Part A and $185 for Medicare Part B, totaling $...Read more

I enrolled in a $0 premium Medicare Advantage plan to begin April 1st when I turn 65. I chose to disenroll from my husband's employer benefits because my monthly premium is $0, making it more cost-effective for us.

Now I am in shock because a Medicare premium of $670.50 was deducted from my Social Security check. I was told by the agent who ...Read more

In January, I was diagnosed with lung cancer at the age of 60. A non-profit cancer program in my state was able to help me qualify for Medicaid to begin receiving medical treatment since I have a very low income and am uninsured. Right now, I am not paying anything for my cancer treatments. My chemotherapy will begin next week with the ...Read more

from August of 2023. It has been revised and updated.

Hello Toni:

I am a human resources manager for an oil service company and have a question about an employee. He is turning 65 and is still working full time. His situation is unusual because next month he will begin receiving chemotherapy for lung cancer. I am not sure how to advise him ...Read more

I delayed enrolling in Part B for 5 years, after I turned 70, and retired with a Jan. 1 effective date for my Medicare Supplement Plan G and Part D prescription drug plan.

Now my Medicare stress has started, because I have received a notice from CMS saying they do not have record of me having prescription drug coverage that “met Medicare’...Read more