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Sammi Toy - Impact Insurance Agency

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Sammi Toy - Impact Insurance Agency

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Under 65: retireflo.com/sammi-toy-aca
Medicare: retireflo.com/sammi-toy-medicare

08/14/2026

Feel like you're behind on retirement savings? You're far from alone, and your 40s and 50s might actually be some of the best years to catch up.

Once you turn 50, you become eligible for catch-up contributions that let you save more than younger workers in a 401(k) or IRA. And if you're between 60 and 63, a newer rule lets you save even more through a special "super" catch-up limit.

These years are often peak earning years too, which means even small changes, like redirecting one expense toward savings, can add up faster than you'd expect.

A later start doesn't mean a worse outcome. It just means it's time to build a real plan around where you actually are today.

Where are you in your retirement planning journey? If you'd like help mapping out your options, we're just a message away.

08/12/2026

Quick question: do you know if your insurance plan includes vision coverage? 👀 Many people don't realize vision insurance is often one of the most affordable add-ons available — and it's easy to overlook when you're focused on the bigger stuff like health or life insurance.

Vision coverage typically helps with the cost of eye exams, glasses, and contacts, making it easier to keep up with routine eye care. And routine eye care matters more than most people think — regular exams aren't just about your glasses or contacts prescription. They're a simple way to stay on top of your overall eye health too.

If it's been a while since you checked whether vision insurance is part of your coverage (or if you have it at all!), now's a great time to take a look.

Do you currently have vision insurance? We're happy to help you figure out what's available to you.

08/11/2026

🫐 Mixed Berry Crisp

Late summer brings an abundance of juicy blueberries, blackberries, and raspberries, making this simple dessert the perfect way to celebrate summer's harvest.

For the Filling:

2 cups (each) fresh blueberries, blackberries, raspberries
2 peaches, peeled and sliced (optional)
⅓ cup granulated sugar
2 tablespoons cornstarch
1 tablespoon fresh lemon juice
1 teaspoon vanilla extract
½ teaspoon cinnamon

For the Crumble Topping:

1 cup old-fashioned rolled oats
1 cup all-purpose flour
¾ cup packed brown sugar
½ teaspoon cinnamon
¼ teaspoon salt
½ cup cold butter, cut into cubes

Directions

1) Preheat the oven to 350°F and lightly grease a 9x13-inch baking dish.

2) In a large bowl, gently combine the berries, peaches (if using), sugar, cornstarch, lemon juice, vanilla, and cinnamon. Pour the mixture into the prepared baking dish.

3) In another bowl, combine the oats, flour, brown sugar, cinnamon, and salt. Cut in the cold butter with a pastry cutter or your fingertips until the mixture resembles coarse crumbs.
Sprinkle the crumble evenly over the fruit.

4) Bake for 40 to 45 minutes, or until the topping is golden brown and the berry filling is bubbling around the edges.

Serve warm with a generous scoop of vanilla ice cream or a dollop of freshly whipped cream.

08/10/2026

Health care is one of the biggest financial surprises in retirement. Not travel. Not hobbies. Health care.

Medicare helps starting at 65, but it doesn't cover everything. Premiums, deductibles, copays, prescriptions, dental, vision, and hearing aids can all add up.

If you're retiring at 65 or later, Medicare beneficiaries spend about $4,000 a year out of pocket, not counting premiums. That number climbs past $6,000 a year once you reach 85, as health care needs increase.

If you're retiring before 65, budget for a lot more. Without employer coverage, many early retirees turn to the ACA Marketplace, a spouse's plan, or a private policy. A reasonable planning range is:

- $8,000 to $10,000 a year for an individual
- $18,000 to $25,000 a year for a couple

That's before deductibles, copays, and prescriptions, which can add another $2,000 to $5,000 per person each year.

At any retirement age, don't overlook long-term care. Medicare generally covers only short-term skilled nursing after a hospital stay. It doesn't pay for ongoing help with things like bathing, dressing, or eating. Those costs can run from $20k - $100k per year.

A few ways to prepare now:

- Build savings in an HSA if you have a qualified high-deductible plan.

- Look into long-term care insurance before health issues develop, when premiums tend to be lower.

- Consider critical illness coverage, which pays a lump sum after a covered diagnosis and can be used however you need it.

Whether you're retiring at 55, 62, 65, or later, health care costs are one of the few expenses that almost always go up. If you'd like help planning for retirement health costs, we're happy to answer your questions.

08/08/2026

August 8th is International Cat Day! 🐱🎉

This special day is all about celebrating our feline friends — the ones who knock things off counters, the ones who race around the house at 3 a.m., and the ones who crack us up and give us snuggles every day. They've got us wrapped around their cute little toe-beans.

Today's the day to give them an extra scratch behind the ears, celebrate with some catnip... or, you know, just admire their gorgeousness from a respectful distance. 😸

These wacky, lovely guys help make a family and a home, and that's all part of what we work hard to protect.

👇 Drop a photo of your cat in the comments! 📸 We want to see those whiskers, those attitudes, and please more toe-beans!

08/07/2026

Struggling to get around your own home lately? You're not alone, and there may be more help available than you realize.

Medicare can help cover wheelchairs, power chairs, and mobility scooters when they're medically necessary for use at home. Getting there starts with a face-to-face visit with your doctor, who documents why a cane or walker isn't safe enough anymore and writes a formal order for the device.

Here's a detail worth knowing: if your supplier doesn't accept assignment, they can charge you more than the Medicare-approved amount, with no cap. That's different from how it works with doctors, and it can mean a real difference in your out-of-pocket cost.

Once you have your equipment, Medicare can also help with repairs and replacement parts down the road when they're medically necessary, so it's worth keeping your paperwork on hand.

Have you or a family member navigated this process? We'd love to hear what you learned. And if you have questions about your own coverage, reach out. We're happy to help you sort through the details.

08/06/2026

🏠 Smart Home Tech for Seniors: What Helps at Home

The right devices can make life at home safer for older adults — and give family members peace of mind. Here's what helps most:

🤖 Robot vacuums — Keep floors clear of dust and clutter that cause trips and falls, with no bending or heavy lifting.

💡 Motion-sensor night lights — Falls are the #1 injury for older adults, and low light makes it worse. Add lights that switch on automatically to guide the path from bed to bathroom. Cheap and easy to set up.

🚨 Medical alert systems (PERS) — A wearable button, automatic fall detection, or two-way voice device can call for help fast. Some are even built into smartwatches.

💊 Medication reminders — Smart speakers, locking pill dispensers, and reminder apps help you stay on track and can alert a caregiver if a dose is missed.

🔥 Stove shut-offs — Unattended cooking is the top cause of home fires. Devices like FireAvert and iGuard cut power automatically and install in minutes.

So what does Medicare cover? Here's the straight answer:

✅ Original Medicare & Medigap: Do NOT cover these devices.

✅ Medicare Advantage (Part C): Some plans offer extra perks, like help with a medical alert system — but it varies by plan and may cover only part of the cost. Always check plan details before enrolling.

👉 Start with your biggest worry. Worried about falls? Begin with lighting and an alert system. Struggling with prescriptions? A pill dispenser may matter most. You don't need every gadget — one or two that fit your routine can make a real difference.

Questions about your Medicare options? We're here to help. 💙

08/05/2026

Not all workplace perks are one-size-fits-all anymore! ✨ Lifestyle Spending Accounts (LSAs) are a flexible, employer-funded benefit that let employees use funds for things that actually matter to THEM: wellness, mental health support, financial planning, childcare, and more.

LSAs put more spending choices in employees' hands. Maybe that means covering a few therapy sessions, a financial planning consultation, backup childcare, or a new pair of running shoes. The point is flexibility: everyone's life looks different, and their benefits can too. 💪

For employers, LSAs can be a great way to show employees their wellbeing matters in a practical way, not just on paper.

Employers: have you considered adding an LSA to your benefits lineup? Employees: what would you use yours for? 👇 Tell us in the comments — we'd love to hear!

08/03/2026

📚 Back-to-school season is here!

It's that time of year when shopping carts fill up with notebooks, pencils, backpacks, and new shoes. Some kids are heading back to familiar classrooms, while others are preparing for a brand-new school, a new teacher, or even a new town.

For many children—and let's be honest, parents and grandparents too—back-to-school brings a mix of excitement, nervousness, anticipation, and maybe even a little dread. That's all part of the adventure.

Whether you're helping label school supplies, packing lunches, taking those first-day photos, or offering a reassuring hug before the bus arrives, your encouragement makes all the difference.

Here's to new friendships, great teachers, exciting opportunities, and a school year filled with learning, growth, and wonderful memories.

From our family to yours, we wish you a happy, healthy, and successful back-to-school adventure! 🍎

Have a back-to-school story to share? We'd love to hear it!

08/01/2026

Hoping to be expecting soon? Here's something many growing families don't think about until it's too late: supplemental insurance coverage can help offset income loss and out-of-pocket costs around childbirth.

Short-term disability can help replace a portion of your income during the time you're recovering and unable to work, while hospital indemnity coverage can help with costs related to a hospital stay for delivery. Together, they can ease some of the financial pressure during an already big life transition.

Here's the thing: these plans generally need to be in place BEFORE conception, so timing matters. If growing your family is on your radar for the future, NOW is a great time to look into your options.

If you have questions — we can help you understand your options.

Address

601 Quail Valley Drive, Ste. 104
Georgetown, TX
78626

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

http://impactinsagency.com/

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