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Dear Toni:
I am writing this letter to thank you for all you help to me when I was searching for an insurance company to replace my old policy that had been dropped by my doctor’s office.
In order to continue to use my doctor, I had no choice but to find another insurance company that my doctor would accept.
I can assure you that without your knowledge and expertise, I would have been lost in finding an insurance company that had the benefits that I needed. Again, I want to thank you for your advice and guidance and to let you know how pleased I am with my new insurance company.


Is Your Medicare Part B Premium over $134? Learn How to Lower It!!

Toni: A few weeks ago, you wrote about the increase in Medicare’s Medicare Part B and D premiums, but you did not explain how to lower your Medicare premiums if one’s retirement income has lowered. Our joint income in 2015 and 16 was approximately $250,000 each...
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Concerns Are Rising About Doctors Not Accepting Medicare!!

Hi Toni: This week, I went to see my primary care doctor and his office said that since Medicare is primary on my insurance, I would have to pay the complete bill and file the claim with Medicare myself. I am 68 years old and decided to retire with a May 1st effective...
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Do You Have a Hurricane/Disaster Evacuation Plan?

Toni: We are new to the Houston area and last week Tropical Storm Cindy absolutely stressed my wife because her 84-year-old mother is living in an assisted living facility and we live over 10 miles away from her. What can we do to be prepared for a hurricane or an...
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Little Secrets to Enrolling in Medicare Correctly!!

Hello Toni: I am turning 65 this September and have great retirement benefits from the company I worked for 20 plus years.  I have spoken with HR about what I need to do with enrolling in Medicare and they advised me not to enroll in Part B because I have...
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Happy 4th of July!!!

Please enjoy this tribute to the greatest country on the face of this earth, and God Bless everyone that has fought and sacrificed to give us the freedoms that we have today. Have a wonderful and safe 4th of July. Toni...
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