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Senior Resource’s Medicare Expert, Toni King
Toni King is an author, columnist, and radio and TV personality who specializes in Medicare, Social Security, and long-term care planning. While conducting a Medicare workshop in 2009, Toni was approached by a member of the audience who had received incorrect information about his Medicare Part B enrollment from Social Security. After taking a couple of days to help the gentleman straighten out his overwhelming problem, Toni’s new mission had become clear. Following more than 27 years as a top sales leader in the Medicare insurance industry, Toni would become an advocate for Americans receiving Medicare. Since then, Toni has devoted her life and career to putting Medicare into “people terms” with the help of her books, consultations, workshops, and website. Toni King is from Houston, Texas, where her family’s restaurant, Angelo’s Fisherman’s Wharf, was a community landmark. As a dedicated native Houstonian, Toni often says she bleeds red, white, and blue! Read more from Toni King.
Medicare Part A
Part A of Original Medicare provides coverage for inpatient services. It covers:
- Inpatient hospital care
- Skilled nursing facility care
- Nursing home care that is not long-term
- Hospice care
- Some home health care
Medicare Part B
Part B of Original Medicare provides coverage for medically necessary services and preventive services. It covers:
- Ambulance service
- Clinical research
- Durable medical equipment
- Services or supplies that are needed to diagnose or treat a condition
- Some mental health services
- Specialist visits
Medicare Part D
Each Part D plan covers a variety of prescription drugs. A plan’s list of covered drugs is called a formulary. In addition to the formulary, all Part D plans must cover certain protected classes of medication such as:
- Vaccines
- HIV/AIDS treatments
- Antidepressants
- Antipsychotics
- Immunosuppressant medications
Medicare Advantage
Medicare Advantage Plans are Medicare-approved bundles offered by private companies. Advantage Plans usually include Parts A, B, and D.
Medicare Supplement Insurance (Medigap)
Medigap is insurance sold by private companies to supplement what is not covered by Original Medicare. Medigap can help pay for copays, deductibles, and coinsurance.
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