UNITED STATES—Dear Toni: My oncologist’s office manager advised me that because I am over 65, I may want to apply for Medicare and leave my employer health insurance. Linda, the office manager, said that my health plan denied my claim for my cancer treatment because the plan considers it to be “experimental” and will not approve paying for this care.

The specific cancer treatment costs me over $22,000 per month which I am paying from my 401k, draining what I need to retire. I am not retiring from my job but using the 12 weeks of vacation time I have, so that I do not lose my current full-time salary.

Linda said that Medicare will pay and provide the care I need because she currently has patients on Original Medicare with a Medicare Supplement. She files their claims without a problem. To

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