UNITED STATES—Dear Readers: Recently, I received a text message from a Toni Says Medicare client that I would like to share with you. The text reads Toni: I need to put together a 24/7 home care recovery plan after a liver transplant. The surgery is over a year out, but I would appreciate your advice on how to plan for this medical event. Thanks in advance, (name withheld for confidentiality).

To My Readers: This text made me realize that America is not prepared for a life-changing medical need such as a transplant.

Luckily, my client has Original Medicare (Parts A and B) with a Medicare Supplement rather than a Medicare Advantage HMO/PPO, allowing him and his medical team to decide which skilled nursing/rehab facility and home health agency he will use while recuperating from his liver

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