Contact ToniSays Office Today

First Name

Last Name


Daytime Phone Number:
- -
Evening Phone Number:
- -



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.


Will the New Medicare Observation Hospital Rule Impact You?

New Medicare hospital rule regarding observation notification went into effect Wednesday, 3/8/2017. Be prepared!   On Monday, April 3rd, the Toni Says Medicare team attended the MACRA informational Medicare meeting which informed insurance agents in the Medicare...
Read More

Has the New Medicare Rule Affected Medicare Advantage Plans?

Toni: Last week you wrote about how the MOON (Medicare Outpatient Observation Notice) rule affects “Original Medicare”.  My husband has enrolled in a Medicare Advantage HMO and I am wondering how this rule will affect his hospital stay. Thank you, Maria from Houston...
Read More

Social Security Knows Social Security… Not Medicare Underwriting Rules!

Toni: Thank you so much for taking my phone call this morning. My husband and I signed up in December 2016 for Medicare Part B with the understanding that once I retired I had 60 days to obtain supplemental insurance.  I just happened on your Medicare article in the...
Read More

Retired TRS Teacher Turning 65… Keep Original Medicare for Health Issues!

Toni: I am a retired teacher and my Medicare began March 1st. I chose to go with TRS 2 and Original Medicare. I need the flexibility of picking my own medical providers since I am having bypass surgery in a few weeks.  The Toni Says team enrolled me in a Medicare...
Read More

Moving Overseas…Should I Keep My Medicare?

Hello, Toni: My husband and I are currently on Medicare with Part B, a supplement, and Part D coverage. We will be moving overseas for a couple of years. I know that there is no coverage from Medicare for overseas expenses. Is there a way to suspend our Medicare...
Read More