Toni Says: I’m turning 65 in January. Does Medicare’s fall enrollment affect me?
Toni, My sister suggested that I send you an email because I'm confused on what to do with enrolling in Medicare since I turn 65 on Jan. 5, 2026.
Toni, My sister suggested that I send you an email because I'm confused on what to do with enrolling in Medicare since I turn 65 on Jan. 5, 2026.
Dear Toni, I turned 65 in February and did not enroll in a Medicare prescription drug plan.

I'm enrolled in Medicare but have not received my Medicare & You Handbook. I need to make some changes, and I'm concerned about what I should do during the fall Medicare season. I need to know which options are right for me

This week's Medicare column consists of "What if" Medicare questions from Toni Says readers around the United States.
Hi Toni, I need your guidance. In September I turn 65, and I am unemployed.
I am retiring in January, when I turn 70 and my wife, Sharon, will be 66. I have heart issues, with atrial fibrillation, 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 people over 60 find it difficult to get accepted.

Dear Readers, Recently, I received a text message from a Toni Says Medicare client that I would like to share with you.
Hello Toni, My sister has collected your articles on Medicare for years and suggested that I contact you about my Medicare issue.
Dear Toni, I recently had a hospice agent knocking on the doors in my neighborhood who said he represented Medicare.

Toni, I have just enrolled in Medicare Parts A and B because I turned 65 in June. I am still working, and my husband, James, and I are on my employer health insurance plan.