Hi, Toni, In September I turn 65. I’m on COBRA from my job, which I retired from in May when I had heart surgery. The cardiologist informed me last week that the only thing that will improve my health is a heart transplant.

I need your guidance because I do not know what to do about enrolling in Medicare. Should I enroll in Medicare’s network with a Medicare supplement, go with a Medicare Advantage network plan, or stay with my current COBRA plan until it ends in about 16 months? Please help me because I am overwhelmed with the confusing mail and marketing I am receiving since it is my time to enroll in Medicare. Thanks, Toni.

— Jay from Knoxville, Tenn. Hello, Jay: I have good news for you and the Toni Says readers who are turning 65 or are past 65 and enrolling in Medicare for the first time: There is NO network of hospitals, doctors, or any other medical providers for Original Medicare. I repeat .

.. there is NO NETWORK! Jay, you do not have to worry about finding a network provider or facility since you are leaving your employer COBRA plan with the plan’s network.

Your medical providers must be willing to bill Medicare. How easy is that? Medical facilities, doctors, and providers that accept Medicare are available nationwide. When you are traveling throughout the U.

S. and need medical care, you are covered. You asked me about enrolling in a Medicare Advantage plan.

I had a phone call from a frantic daughter, who was trying to help her father who had been diagnosed .