Contact Me!

Theresa Cangemi, CSA, CLTC

Medicare Specialist and
Independent Agent
Owner of  
"Medicare Made Simple, LLC"

H/O: 
315-676-4933

Email: 
tcangemi@twcny.rr.com

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Enrollment Options

Medicare Advantage
Medicare Supplements
Prescription Drug plans

Scope of Appointment Form
Medication Form

Other offerings

Life Insurance
Long Term Care (CLTC)
Fixed Annuities
Final Expense (Burial) Insurance
Dental insurance
Travel Insurance Coverage

Learn more!

What Medicare Does NOT Cover

Did you know that Medicare Part A and Part B, known as Original Medicare, does not cover everything?

Here is a list of what Medicare does not cover:

Alternative Medicine, Cosmetic Surgery, Long-term Care, Personal Care, Dental and Vision Care, Routine Hearing Exams, Foot Care, Non-Emergency Services, Overseas Coverage.

For more information on what Medicare does and does not cover, you can visit:

           http://medicare.gov/pubs/pdf/10050.pdf    

This booklet  is called the “Medicare and You” booklet for 2015.  On Page 62, it will further explain what is not covered by Medicare.

However, some of these services may be covered under a Medicare Advantage plan, like:  dental and vision care, foot care, and hearing.

 

 

New York Health Benefit Exchange – Insurance plans for all

On August 20, 2013, an announcement was made that the NY Health Benefit Exchange, the state’s health insurance exchange under the federal health-care reform law, is now called “NY State of Health.”   Website: www.NYStateofHealth.ny.gov

What is the NY State of Health?  It is an insurance marketplace for New Yorkers to purchase affordable and comprehensive insurance coverage for themselves, their family, or for their small business employees.

The health-care reform law known as Patient Protection and Affordable Care Act of 2010 requires individuals to have health insurance coverage effective January 1st, 2014, or pay a penalty.

The Exchange Open Enrollment period becomes available to purchase insurance starting October 1st, 2013.

Exchange plans can be purchased online, by phone (call center), or through an agent/broker.  Once online a person can shop, compare, and enroll in a health plan.

Licensed, local, certified agents and brokers can be found on:  www.dfs.ny.gov starting October 1st.

Federally subsidized premium tax credits will be available for New Yorkers who purchase coverage for themselves, based on income level, to help further reduce their costs.  Individuals can determine if they qualify for the tax credits through the application process.

Employers with up to 50 employees can also obtain health coverage for their employees through the Small Business Health Options Program (S.H.O.P).  Employers have an October 1st deadline to provide all employees with a written notice about the upcoming health insurance marketplace.  Call me for details.

 

As of October 1st, 2013, I will be certified to educate, consult, and enroll individuals and small businesses into the “NY State of Health” insurance plans. Please call me to schedule an appointment to discuss your options, enrollment, and premium tax credits.

I can be reached at 315-676-4933 or email: tcangemi@twcny.rr.com.

 

 

 

 

 

Help with Medical and Drug Costs – Programs for Low Income

You may be eligible to save money on medical and drug costs!  You may qualify for any of the following programs:

  • Medicaid
  • Medicare Savings Programs
  • Extra Help/Low-Income Subsidy
  • State Pharmaceutical Assistance Program
  • Pharmaceutical Assistance Program

Call me to find out what these programs are and how you would qualify.  All are income based, meaning that your income has to be under a certain amount to qualify for a program(s).  When I work with my clients, I automatically review each of these programs and educate what they are and how a person may qualify for eligibility.  These program(s) can help pay for your Part B premium or help pay for your prescription drug costs.

Avoiding The Dangers of Reverse Mortgages

Should you or your elderly parents consider a reverse mortgage? If you’ve asked “How do reverse mortgages work?” and want to both the advantages and disadvantages of reverse mortgages, listen to today’s expert Mike Gruley with First Financial Reverse Mortgages. Discover the reverse mortgage pitfalls to avoid and whether this type of financing is right for you.

Taken from BlogTalkRadio.com
http://www.blogtalkradio.com/mreldercare/2009/06/05/ask-mr-eldercare

Learn More About Medical Records and Patients’Rights

Medical records are the footprints we make through the medical system. From the moment we are born, to the day we die, our medical records are a chronology of everything that has affected our health or has created a medical problem.

Until the past few years, those records were kept entirely on paper, filed in folders in various doctors’ offices and hospitals. Rarely were they called into question, and often they were ignored when we began to show new symptoms or needed to see a specialist for any new medical problems that cropped up.

Today, more and more of those records are being recorded and stored electronically.  Read More …..

Taken from ASK.com