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Theresa Cangemi
“The Medicare Insurance Lady”

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How & When to File a Medicare Appeal When a Claim is Denied

by Admin | May 26, 2026 | Health Coverage, Medicare

If you received a notice saying Medicare denied payment, you have the right to appeal. An appeal is a formal request you make if you disagree with a coverage or payment decision. Always check your Medicare Summary Notice (MSN) to see if Medicare has paid for your...

How Does Medicare Cover Medical Outside The U.S. ?

by Admin | Apr 7, 2026 | Health Coverage, Medicare

Medicare usually doesn’t cover medical care outside the U.S. and its territories. However, Original Medicare and Medicare Advantage Plans must cover care you receive outside the U.S. in some very limited certain circumstances: • Medicare will pay for emergency...

Can your own Social Security benefit grow while collecting a survivor benefit?

by Admin | Mar 5, 2026 | Senior Citizen, Social Security

“Yes, your own benefit can continue to grow while you collect a survivor benefit. However, we need to clarify how that happens…” “Your own Social Security retirement benefit can potentially grow even if you are already receiving a survivor benefit. This is...

THE DISEASE FUND (TAF) – providing financial assistance

by Admin | Feb 10, 2026 | Health Coverage, Healthcare

The Assistance Fund is an independent 501(c)(3) organization that helps patients and families facing high medical out-of-pocket costs by providing financial assistance for their copayments, coinsurance, deductibles, and other health-related expenses. Millions of...

Medicaid cuts in the “One Big Beautiful Bill Act”

by Admin | Sep 9, 2025 | Healthcare, Medicaid, Medicare

Today’s newsletter examines the changes to Medicaid, their potential impact, and the political and legal challenges to the new bill. The majority of these changes will affect non-disabled adults age 18-64, so those age 65 and over don’t need to panic, but some of the...
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Recent Posts

  • How & When to File a Medicare Appeal When a Claim is Denied
  • How Does Medicare Cover Medical Outside The U.S. ?
  • Can your own Social Security benefit grow while collecting a survivor benefit?
  • THE DISEASE FUND (TAF) – providing financial assistance
  • Medicaid cuts in the “One Big Beautiful Bill Act”
  • PROTECT YOUR MEDICARE ID # – Medicare Scams Identified & How to Report Fraud
  • Medicaid and Medicare cover hospice care for people who qualify.
  • Hospital Observation versus Admitted – What’s Covered?
  • NEEDY MEDS – Find Help with Rx costs (based on income)
  • NEED MORE COVERAGE FOR DENTAL? It’s here!

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

Theresa Cangemi is a licensed agent.

CMS (Centers for Medicare & Medicaid Services) New Disclaimer 2022
Every plan may not be available in your area. Any information provided is limited to those plans that are offered in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Theresa’s Disclaimer: I do offer Medicare insurance plans from many different companies.
The available insurance plans will depend on your state, zip code, and eligibility.

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