Advantages

                                          Advantages Working With Theresa

Welcome to “Medicare Made Simple” … I wanted to create a site that my clients as well as my business partners (who have Medicare eligible clients) could go to for educational purposes and industry news.

As a Central New Yorker, and alumni of LeMoyne College, I am licensed by the New York State Insurance Department to consult and sell insurance in the following categories:

• Medicare Insurance:
          o Medicare Advantage
          o Medicare Supplement or “Medigap”
          o Prescription Drug plans or “Rx”
• Life Insurance
• Final Expense Insurance
• Long Term Care Insurance
• Dental Insurance
• Group Health Insurance and Voluntary products
• Fixed Annuities

If one of these insurances fits your needs, please call me and I can get you started today … with a quote.

My customers have confidence because they feel that working with me is a helpful educational experience rather than a “sales pitch” or fast paced high pressure sales tactic; which they have experienced in the past on the phone or in person with other sales people.  I will educate you foundationally how the Medicare system works, what your choices are, and walk you through the enrollment process. I will make the enrollment “simple” and stress free.

I believe, that people in general, make better decisions when they are comfortable asking any question on their mind, even if they have to ask it more than once. We will work together in a convenient neutral place, at a convenient time; so you can ask any question or show me any predicament you might have at that moment, in a relaxed open atmosphere; where there are no bad questions.

With the clients interest at heart, I have passed up opportunities to make a sale, and instead, have pointed them to a competitor who may have had a better fit for the particular customer’s needs. I exchanged my commission for the satisfaction of knowing that I helped my customer find the right plan for them at that time in their life. This is my level of commitment … even in our tough economic times when that commission is desired.  I treat my clients how I want to be treated, if I was in their seat, trusting the agent sitting across the table from me.

I also receive the highest repeat business because my clients enjoy working with me and trust I will be there for them after the sale. I will NOT rush your decision and leave you feeling confused and uncomfortable.

WILL:
*  offer you a market comparison quote, if available, on the
    different insurance products in the marketplace.
*  insist that you call me first with any questions or service
    inquiries;
*  will return your phone calls promptly; definitely by the next
    morning (even Saturdays);
*  keep in contact with you throughout the year, either by phone,
    birthday card, customer appreciation events, mailings to let
    you know how my business has grown or new products
    being offered.

Medicare is a highly regulated industry that requires anyone who sells Medicare Advantage plans, Medicare Supplement plans (aka: Medigap), or Prescription Drug plans (aka: Rx) needs to be licensed in the state they are selling or enrolling people who are eligible for Medicare.

As a licensed Independent Agent, I do not work for the Federal government and I am not employed by any insurance company. I am contracted and appointed with particular insurance companies to offer their insurance plans. I do not get paid a salary, but earn a commission once you decide to enroll in one of the insurance plans listed above. I am committed to earning your business and will continue to service your account and be available to you after the sale or enrollment.

Call me today or email me. The consultation is at no charge. In fact, I am not allowed to charge to meet with you or charge if you attend a seminar I am conducting, according to CMS regulations.

Call today so you can get started!  Why wait?  I look forward to hearing from you.

Email:  tcangemi@twcny.rr.com
H/O:  315-676-4933
Cell:   315-727-4933