Toni Saby - Licensed Sales Agent

08/23/2026

Medicare Annual Enrollment Is Just Around the Corner! 🍂
It’s hard to believe, but Medicare Annual Enrollment is right around the corner! Medicare Annual Enrollment runs from October 15 through December 7.

In September, you’ll receive your plan’s Annual Notice of Change (ANOC). This important document outlines changes to your plan for the upcoming year, including benefits, costs, coverage, and provider or pharmacy networks.

Annual Enrollment is a great opportunity to take a step back and ask:
✅ Have your healthcare needs changed?
✅ Are your doctors and prescriptions still covered?
✅ Are your plan’s benefits and costs still a good fit?
✅ Have your priorities changed since you chose your current plan?

As a local licensed insurance broker representing many insurance companies, I can help you review your Medicare options and compare plans to find coverage that fits your needs.

I’m also a Pennie-certified broker, helping individuals and families navigate Pennie®, Pennsylvania’s official health insurance marketplace, and explore their health coverage options
My services come at no cost to you. I’m here to make the process easier and help you understand your choices.

📞 Toni Saby: 610-216-3644
📧 [email protected]
🏥 Local Licensed Insurance Agent & Broker
💙 Medicare & Pennie Marketplace

If you’d like to review your options, feel free to reach out. I’m always happy to help!

08/19/2026

Stay safe on social media! will never reach out to you to ask for your Medicare Number on any social media site. If someone messages you directly and says they’re a “Medicare agent”, don’t respond and report it at https://go.medicare.gov/4w84nvD.

08/19/2026

If your income for 2026 is below $23,940 ($32,460 for married couples), you may qualify for lower prescription drug costs with Extra Help. Many people qualify and don’t even know it. https://go.medicare.gov/4uFZ99N

08/06/2026

Medicare will only contact you if you contact Medicare first. Guard your Medicare card and Medicare Number: If someone you don’t know asks for your Medicare Number or personal information, it’s a scam! Report possible fraud to 1-800-MEDICARE. https://go.medicare.gov/4w84nvD

08/03/2026

08/03/2026

If you’re getting ready to sign up for Medicare and have a Health Savings Account (HSA), visit Medicare to find out when you should stop contributing to your HSA, and how to use it with Medicare: https://go.medicare.gov/4aJzVj0

07/10/2026

Protect your Medicare number as you would your Social Security number. Never give it out over the phone.

Beware of the overshare! Scammers sometimes pose as Medicare representatives on social media, over the phone, or via email to try and get your Medicare information, like your Medicare Number. Don’t share it—report scammers at https://go.medicare.gov/4vsBnOM.

07/10/2026

🌟 Turning 65 Soon? Let’s Talk Medicare! 🌟

Hi, I’m Toni Saby, a licensed health insurance broker specializing in Medicare.

Choosing the right plan can feel overwhelming—but it doesn’t have to be! I work with many top insurance companies, so I can help you compare all your options and find a plan that truly fits your needs and budget.

✅ Medicare Advantage
✅ Medicare Supplement (Medigap)
✅ Prescription Drug Plans
✅ Personalized, unbiased guidance

Working with a broker means you get expert help at no extra cost—and peace of mind knowing you're making a confident choice.

📞 Call or text me at 610-216-3644
📍 Let’s make Medicare simple, together!

07/04/2026

💸 Reminder: Keep Your Income Info Up-to-Date! 💸

Did your income change during the year? 📉📈 It’s important to report any changes to Pennie right away! Updating your income helps ensure you get the right amount of financial savings—and prevents any surprises at tax time.

If you don’t report changes, you have to pay back financial savings you weren’t actually eligible for. 😬

👉 It only takes a few minutes to update your info! Visit pennie.com or call us at 1-844-844-8040.

We’re here to help! 💪

07/04/2026

Extra Help is a Medicare program that helps people who qualify pay for their Medicare drug coverage (Part D) premiums, deductibles, and other costs. Find out if you should apply for Extra Help at https://www.medicare.gov/basics/costs/help/drug-costs.