Toby Gerfen - Licensed Insurance Agent

11/16/2025

Medicare doesn’t have to be overwhelming!

Here’s a quick look at what each Part of Medicare covers — A, B, C & D.

If you’d like help comparing benefits, finding a doctor-friendly plan, or reviewing savings options, reach out anytime.

Toby Gerfen, Licensed Insurance Agent

11/15/2025

Good morning from the beautiful Sutter Buttes!
Choosing the right Medicare Supplement (Medigap) plan can make a big difference in both your coverage and your peace of mind. Here are the Top 3 most popular Medicare Supplement plans and what they offer.

If you’d like help reviewing your options or checking rates, I’m here for you!

Toby Gerfen
Licensed Insurance Agent

10/01/2025

09/02/2025

🌟 Happy September! 🌟
🍁 Fall is here, and so is the perfect time to start thinking about Medicare Annual Enrollment!

There are exciting updates and changes coming, and I’m here to make it easy for you. Whether you’re reviewing your current plan or exploring new options, I’ll help you feel confident and ready for 2026!

📅 Let’s chat soon and get ahead of the changes.
💬 Message me anytime—I’m here to help!

09/01/2025

🌟 Happy Labor Day to My Wonderful Medicare Members! 🌟

Today, I want to take a moment to celebrate you—the hardworking men and women who have built families, businesses, and communities with your dedication and heart.

Labor Day is more than a holiday; it’s a reminder of the contributions you’ve made over the years, and the well-deserved rest you’ve earned. I’m so honored to serve you and be a small part of your journey in retirement and beyond.

Enjoy this day knowing your efforts have made a lasting impact. You deserve every moment of peace, joy, and appreciation today brings. ❤️

Happy Labor Day, friends! 🇺🇸✨

07/28/2025

🌅 Monday Medicare Reminder 🌅

Good morning!

Hi friends – I’m here to help guide you with everything Medicare. Whether you’re turning 65, reviewing your plan, or just have a few questions—let’s make it simple together.
• ✅ Understanding your benefits?
• ✅ Stuck on dental, vision, or prescription coverage?
• ✅ Wondering if you’re eligible for Extra Help or cost-saving programs?

Reach out anytime—no question is too small.

Wishing you a peaceful morning and a wonderful start to your week!

07/19/2025

📬 MEDICARE TIP — EXTRA HELP: THE SECRET SAVER MOST MISS

✨ Did you know there’s a little-known Medicare program that could save you thousands on prescription drugs?

It’s called Extra Help, and it assists with:
• 💊 Lowering drug copays
• 📉 Reducing or eliminating the Part D premium


But here’s the surprise:
👉 Many people who qualify have no idea it even exists.

The best part? You don’t have to guess — I’ll help you find out if you qualify.

✅ Wondering what the income limits are?
✅ Not sure how to apply?
✅ Think you might qualify but don’t want to deal with the paperwork?

I’ll walk you through it with kindness and clarity.

07/15/2025

“Medicare isn’t just paperwork. It’s peace of mind.”

If you’re feeling overwhelmed trying to figure out how to start Medicare — you’re not alone.

I’ve sat at kitchen tables, coffee shops, and even hospital rooms with people just like you. Good people. Smart people. People who just want to make the right choice and feel confident about it.

Let me say this:
✨ You don’t have to figure it out alone.
✨ There’s no such thing as a silly question.
✨ I’ll walk beside you, step by step — no pressure, no rush.

Whether you’re turning 65 or helping a loved one, I’m here to simplify the start and bring clarity to this big milestone.

You’re not just a number. You’re my neighbor, my community, and I care. 💙

— Toby Gerfen
Licensed in 15 states | Medicare Guide with Heart
| 📧 tobygerfen@gmail.com

07/04/2025

🇺🇸 Happy 4th of July!
Wishing all my amazing Medicare members a safe, joyful Independence Day filled with gratitude, freedom, and fun. Thank you for trusting me to help you navigate Medicare — today and always! 💙❤️

07/02/2025

What’s What Wednesday 💡

Did you know? Medicare was signed into law back in 1965—and it’s helped millions of Americans access essential care ever since.

If you’re new to Medicare (or even if you’ve had it a while), it can still feel confusing. You don’t have to figure it out alone.

I’m a licensed Medicare agent and happy to be a trusted guide whenever you need help understanding your coverage or exploring options—no pressure, just support. 😊

📬 Feel free to reach out if you’re turning 65, retiring, or just have questions!

’sWhatWednesday

07/01/2025

🌿 Medicare Monday 🌿

Today, I just want to say thank you.

To all of you — my wonderful Medicare members — who’ve trusted me year after year… through every plan change, every open enrollment, and every question that’s come up… thank you for letting me walk this journey with you.

Medicare can be confusing. But together, we’ve made it manageable, even meaningful. I’m deeply grateful for the chance to help you feel secure, supported, and informed — not just during enrollment season, but every day in between.

You are more than clients — you’re part of my extended family. And it’s an honor to serve you.

Here’s to many more years of navigating Medicare together… calmly, clearly, and with heart. 💙💛
— Toby

06/27/2025

Medicare Fact Friday ☕
Did you know?
Medicare isn’t just for hospitals or doctor visits — many plans also include wellness visits, preventive screenings, and care that helps you stay healthy, not just treat illness.

It’s okay if Medicare feels confusing. I’m here each Friday with a little clarity — no pressure, just people helping people.

🌿 Happy Friday — and remember, your health is worth understanding.