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# Retirement Health Plans Made Simple

Theresa Cangemi, CSA, CLTC

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- [XML Sitemap](https://retirementhealthplansmadesimple.com/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [Healthy Relationships Enhance Our Well Being](https://retirementhealthplansmadesimple.com/healthy-relationships-enhance-our-well-being/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.7″ _module_preset=”default”][et_pb_row _builder_version=”4.27.7″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.7″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.7″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]Healthy relationships enhance our emotional health and contribute to physical and mental well-being. Here are a few tips for maintaining a healthy relationship: Communicate openly: always express your thoughts and feelings honestly and listen actively. Spend quality time together:
- [What Is a Special Enrollment Period (SEP) for Medicare?](https://retirementhealthplansmadesimple.com/what-is-a-special-enrollment-period-sep-for-medicare/) - What is a Medicare Special Enrollment Period? Learn which life events qualify, when you can enroll, and how to avoid coverage gaps and late penalties.
- [Should I Choose a Medicare HMO or PPO Plan?](https://retirementhealthplansmadesimple.com/should-i-choose-a-medicare-hmo-or-ppo-plan/) - Trying to decide between a Medicare HMO or PPO plan? Compare provider networks, referrals, and costs to find the right fit for you.
- [Do I Need a Medicare Insurance Agent or Can I Enroll on My Own?](https://retirementhealthplansmadesimple.com/do-i-need-a-medicare-insurance-agent-or-can-i-enroll-on-my-own/) - Do you need a Medicare insurance agent? Learn the pros and cons of enrolling on your own and how an independent agent can help you compare plans.
- [What Is the Difference Between Medicare and Medicaid?](https://retirementhealthplansmadesimple.com/what-is-the-difference-between-medicare-and-medicaid/) - Medicare and Medicaid are different government health programs. Learn who qualifies, how coverage works, and what happens if you qualify for both.
- [What Is Final Expense Insurance and Who Needs It?](https://retirementhealthplansmadesimple.com/what-is-final-expense-insurance-and-who-needs-it/) - What is final expense insurance? Learn how it helps cover funeral costs, who qualifies, how much coverage you may need, and how policies work.
- [What Is Long-Term Care and Will Medicare Pay for It?](https://retirementhealthplansmadesimple.com/what-is-long-term-care-and-will-medicare-pay-for-it/) - Medicare covers little long-term care. Learn what Medicare and Medicaid actually pay for, and why long-term care insurance protects your savings.
- [Medicare Part B Premium: Why It Changes Every Year](https://retirementhealthplansmadesimple.com/what-is-the-medicare-part-b-premium-and-why-does-it-change-every-year/) - Learn what the Medicare Part B premium costs in 2026, why it changes every year, and how income and inflation affect what you pay.
- [How Does Medicare Cover Medical Outside The U.S. ?](https://retirementhealthplansmadesimple.com/how-does-medicare-cover-medical-outside-the-u-s/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”]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 services in
- [How & When to File a Medicare Appeal When a Claim is Denied](https://retirementhealthplansmadesimple.com/how-when-to-file-a-medicare-appeal-when-a-claim-is-denied/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” global_colors_info=”{}”]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
- [Medicare Advantage vs Medigap: Which Plan Is Right for You?](https://retirementhealthplansmadesimple.com/medicare-advantage-vs-medigap-which-plan-is-right-for-you/) - Medicare Advantage vs Medigap: What's the Difference? Learn the key difference between Medicare Advantage and Medigap so you can choose the right plan for your health needs and budget.
- [How to Enroll in Medicare: Deadlines, Penalties, and Everything You Need to Know](https://retirementhealthplansmadesimple.com/how-to-enroll-in-medicare-deadlines-penalties-and-everything-you-need-to-know/) - When can you enroll in Medicare? Your 7-month window starts 3 months before you turn 65. Miss it and face a permanent penalty. Here's what to know.
- [Does Medicare Cover Dental, Vision, and Hearing? Here's What You Need to Know](https://retirementhealthplansmadesimple.com/does-medicare-cover-dental-vision-and-hearing-heres-what-you-need-to-know/) - Original Medicare skips dental, vision, and hearing. Learn what Medicare dental, vision, and hearing coverage looks like, and how Advantage plans help.
- [Can your own Social Security benefit grow while collecting a survivor benefit?](https://retirementhealthplansmadesimple.com/can-your-own-social-security-benefit-grow-while-collecting-a-survivor-benefit/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.6″ _module_preset=”default”][et_pb_row _builder_version=”4.27.6″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.6″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.6″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]“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
- [THE DISEASE FUND (TAF) - providing financial assistance](https://retirementhealthplansmadesimple.com/the-disease-fund-taf-providing-financial-assistance/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.5″ _module_preset=”default”][et_pb_row _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.5″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]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 people don’t have access to the
- [Medicaid cuts in the “One Big Beautiful Bill Act”](https://retirementhealthplansmadesimple.com/medicaid-cuts-in-the-one-big-beautiful-bill-act/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]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
- [PROTECT YOUR MEDICARE ID # - Medicare Scams Identified & How to Report Fraud](https://retirementhealthplansmadesimple.com/protect-your-medicare-id-medicare-scams-identified-how-to-report-fraud/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]You might have heard me explain to protect your Medicare ID# on your Medicare cards. Your Medicare ID# is like your Social Security ID#. The same importance. Scammers will randomly make phone calls to sell you something. These items
- [Non-Surgical Procedure for Back Pain](https://retirementhealthplansmadesimple.com/non-surgical-procedure-for-back-pain/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Are you experiencing back pain? The latest cutting-edge technology called Non-Surgical Spinal Decompression is a treatment that now available to combat both chronic lower back and neck pain including: Herniated/Bulging Spinal Discs Degenerative Disc Disease Sciatic Leg Pain | Arm and Neck
- [Hospital Observation versus Admitted – What’s Covered?](https://retirementhealthplansmadesimple.com/hospital-observation-versus-admitted-whats-covered/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]If you’re staying overnight in the hospital, you’re an inpatient. If you’re at the hospital receiving care for the day, you’re an outpatient. Right? …. Wrong. According to Medicare.gov, “You’re an inpatient starting when you’re formally admitted to the hospital with a doctor’s
- [Medicaid and Medicare cover hospice care for people who qualify.](https://retirementhealthplansmadesimple.com/medicaid-and-medicare-cover-hospice-care-for-people-who-qualify/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] The insured person has been given a life expectancy of six months or less by a physician. The care the person is receiving is comfort care only. The person has Part A in place. The person is enrolled
- [Medicare Coverage For Travel Outside the United States](https://retirementhealthplansmadesimple.com/medicare-coverage-for-travel-outside-the-united-states/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]Did you know that traveling outside of the United States will cause for limited Medicare Coverage? Click here to see a helpful fact sheet from Centers for Medicare & Medicaid Services that breaks down the intricacies of Medicare’s limitations overseas!
- [NEEDY MEDS - Find Help with Rx costs (based on income)](https://retirementhealthplansmadesimple.com/needy-meds-find-help-with-rx-costs-based-on-income/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]Use the Federal Poverty Level (FPL) Calculator to determine your eligibility for Prescription Assistance Programs found on NeedyMeds.org to receive free or discounted medications. Other ways to save on your healthcare cost on NeedyMeds: Use the NeedyMeds Drug Discount Cardto save up
- [NEED MORE COVERAGE FOR DENTAL? It's here!](https://retirementhealthplansmadesimple.com/need-more-coverage-for-dental-its-here/) - [et_pb_section fb_built=”1″ theme_builder_area=”post_content” _builder_version=”4.27.4″ _module_preset=”default”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content”][et_pb_column _builder_version=”4.27.4″ _module_preset=”default” type=”4_4″ theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” theme_builder_area=”post_content” hover_enabled=”0″ sticky_enabled=”0″]Check out GUARDIAN DENTAL ….. Dental Insurance, Vision Insurance, Identity Theft/Identity Guard, and Telemedicine Coverages 1. Careington Discount Dental and Vision Plan with EyeMed Vision2. Delta Dental3. Renaissance Dental4. Guardian Dental (age 50 + only) … you can bundle
- [An interview with Paula about Medicare preventative services](https://retirementhealthplansmadesimple.com/an-interview-with-paula-about-medicare-preventative-services/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]How Medicare Part B pays for a colonoscopy under Preventative Services.[/et_pb_text][et_pb_video src=”https://youtu.be/8rOeLGwuoOc” _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_video][/et_pb_column][/et_pb_row][/et_pb_section]
- [RECIPE for Greek Muffin Cups (breakfast or snack); can reheat and go!](https://retirementhealthplansmadesimple.com/recipe-for-greek-muffin-cups-breakfast-or-snack-can-reheat-and-go/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” theme_builder_area=”post_content” sticky_enabled=”0″] 1/4 cup Ken’s Simply Vinaigrette Greek 2 cups Baby spinach 1 Red pepper, finely chopped 1 cup Grape tomatoes, quartered 1/2 cup Crumbled feta 1/4 cup Red onion, finely chopped 1/4 cup Kalamata olives,
- [LOOK FOR EACH SEPTEMBER – Annual Notice of Coverage (ANOC)](https://retirementhealthplansmadesimple.com/changes-part-d-rx-for-2025-and-the-inflation-reduction-act/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] As the Annual Enrollment Period (October 15th to December 7th) draws closer, your Medicare Advantage Plan or Part D plan, is required to mail the Annual Notice of Coverage (ANOC) documents to their members by the end of September, annually. What
- [For the first time, in 2025, A Payment Plan to Pay For Your Medications](https://retirementhealthplansmadesimple.com/medical-section-prescription-drug-payment-programcalled-m3p-health-section-love-languages-there-are-5/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]NEW – PRESCRIPTION DRUG PAYMENT PROGRAM (called M3P) There are lots of changes coming up in 2025. One of them is part of the Inflation Reduction Act (referred to as the M3P): Medicare Prescription Payment Plan For the first time,
- [Inflation Reduction Act for 2025 – Why the Reduced Benefits?](https://retirementhealthplansmadesimple.com/medicare-aep-the-annual-enrollment-period-october-15th-to-december-7th/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] GOOD NEWS! …. The “Donut Hole” is going away – The new Rx total annual out-of-pocket is $2,000 There will be a lot of changes for 2025 and some changes you may not like. It is due to the Inflation
- [Turning Living Rooms Into Senior Centers](https://retirementhealthplansmadesimple.com/no-st-joseph-contracts-yet-still-turning-living-rooms-into-senior-centers/) - [et_pb_section fb_built=”1″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] “Highly interactive in-home technology brings the (senior) center to you–possibly for free.” “Exercise classes, art therapy, tech education, good conversation. Senior centers provide a lot of value to people who might otherwise be spending most of their time
- [Do All Veterans receive VA Healthcare Benefits?](https://retirementhealthplansmadesimple.com/do-all-veterans-receive-va-healthcare-benefits/) - MEDICARE SECTION– Do all Veterans receive VA Healthcare benefits? Eligibility for VA healthcare and types of coverage. HEALTH SECTION - New Cancer TEST - $1000 Can Detect Cancer in People Over 50
- [Difference Between COLONOSCOPY: Screening vs. Diagnostic – and what you pay](https://retirementhealthplansmadesimple.com/difference-between-colonoscopy-screening-vs-diagnostic-and-what-you-pay/) - MEDICARE SECTION– Difference Between COLONOSCOPY: Screening vs. Diagnostic – and what you pay HEALTH SECTION - TIPS: How To Clean Anything - Naturally
- [WHY DO MY MEDICATIONS COST SO MUCH?](https://retirementhealthplansmadesimple.com/why-do-my-medications-cost-so-much/) - For some of my clients the cost of prescription coverage is through the roof.
- [WHAT!? Pharmacy told me my prescription is not covered!](https://retirementhealthplansmadesimple.com/what-pharmacy-told-me-my-prescription-is-not-covered/) - MEDICAL SECTION – WHAT!? Pharmacy told me my prescription is not covered! HEALTH SECTION - FCC says AI (Artificial Intelligence) VOICES in robocalls are illegal
- [Protections From Ambulance Surprise Balance Bills - Proposed](https://retirementhealthplansmadesimple.com/protections-from-ambulance-surprise-balance-bills-proposed/) - MEDICAL SECTION – PROTECTIONS FROM AMBULANCE SURPRISE BALANCE BILLS – Proposed HEALTH SECTION - OZEMPIC – hot new drug for weight loss
- [What Is Guaranteed Issue Whole Life Insurance? …. and do I qualify?](https://retirementhealthplansmadesimple.com/what-is-guaranteed-issue-whole-life-insurance-and-do-i-qualify/) - MEDICAL SECTION - What Is Guaranteed Issue Whole Life Insurance? …. and do I qualify? HEALTH SECTION – Magnesium – Are You Getting Enough? Low Magnesium linked to Hypertension
- [Learn More About Medical Records and Patients’ Rights](https://retirementhealthplansmadesimple.com/learn-more-about-medical-records-and-patients-rights/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]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.
- [Avoiding The Dangers of Reverse Mortgages](https://retirementhealthplansmadesimple.com/avoiding-the-dangers-of-reverse-mortgages/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]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
- [Help with Medical and Drug Costs – Programs for Low Income](https://retirementhealthplansmadesimple.com/help-with-medical-and-drug-costs-programs-for-low-income/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]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
- [New York Health Benefit Exchange – Insurance plans for all](https://retirementhealthplansmadesimple.com/new-york-health-benefit-exchange-insurance-plans-for-all/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]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?
- [What Medicare Does NOT Cover](https://retirementhealthplansmadesimple.com/what-medicare-does-not-cover/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]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
- [Things to do Following the Funeral Service](https://retirementhealthplansmadesimple.com/things-to-do-following-the-funeral-service/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]It is sometimes difficult to know what to do after a funeral service. Use this list to help guide next steps! Certified copies of the death certificates received. Please inform if you need additional copies. Acknowledgment cards written and sent: To
- [Benefits of Green Tea](https://retirementhealthplansmadesimple.com/benefits-of-green-tea/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]By: Rena Sandberg as seen on Cookinglight.com Green tea has an impressive number of health benefits. It has been used by the Chinese for medicinal purposes since ancient times, using it to treat ailments such as headaches and even depression. Today,
- [Functional Medicine and Integrative Medicine](https://retirementhealthplansmadesimple.com/functional-medicine-and-integrative-medicine/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}” custom_padding=”||2px|||”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]Integrative medicine is healing-oriented medicine that takes account of the whole person (body, mind, and spirit), including all aspects of lifestyle. It emphasizes the therapeutic relationship and makes use of all appropriate therapies, both conventional and alternative. If you’re already
- [Single Payor System vs. Private Market Health Care System: VIDEO](https://retirementhealthplansmadesimple.com/single-payor-system-vs-private-market-health-care-system-video/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]Don’t miss this! If you were on the fence about a single payor system versus a private market health care system, you need to watch this! Found on NAHU.org: “Truth or Consequences—the Beth Ashmore Chronicle” demonstrates through the personal experiences of
- [Medicare Myth: “I can enroll any time I want to”](https://retirementhealthplansmadesimple.com/medicare-myth-i-can-enroll-any-time-i-want-to/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]Medicare Myth: “ I can enroll any time I want to” The Annual Enrollment Period (AEP) is just around the corner. AEP happens annual, October 15 th to December 7 th , and is approximately a six week time frame when
- [Health Savings Accounts (HSAs) and Medicare](https://retirementhealthplansmadesimple.com/health-savings-accounts-hsas-and-medicare/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”]Health Savings Accounts (HSAs) are accounts for individuals with high-deductible health plans (HDHPs). Funds contributed to an HSA are not taxed when put into the HSA or when taken out, as long as they are used to pay for qualified medical
- [RANDOM CALLERS – Don’t Give Out Your Personal Information – DO THIS INSTEAD](https://retirementhealthplansmadesimple.com/random-callers-dont-give-out-your-personal-information-do-this-instead/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”] Several clients of mine received calls where the person on the other end of the phone stated they were from their Medicare insurance plan and wanted to discuss programs that are offered to Medicare eligibles to help certain Medicare eligibles,
- [MEDICAID BENEFITS are changing. ](https://retirementhealthplansmadesimple.com/medicaid-benefits-are-changing/) - [et_pb_section fb_built=”1″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.22.1″ _module_preset=”default” global_colors_info=”{}”] MEDICAID BENEFITS are changing. Some may lose benefits. Medicaid and state funding is now going through an “unwinding or redetermination period.” According to CMS (Centers for Medicare and Medicaid) and the FFCRA provision, COVID-19 officially ended March 2023. At the
- [Help Paying for Part B & New Research for Building Bone - PMA Email](https://retirementhealthplansmadesimple.com/help-paying-for-part-b-new-research-for-building-bone-pma-email/) - [et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”] HELP PAYING YOUR PART B PREMIUMS – You May Be Eligible (based on income limits) New York state recently expanded the MSP (Medicare Savings Program) limits to include higher income limits … (from website): The MSP (Medicare Savings Program) helps
- [Happy Holidays, Annoying Solicitations](https://retirementhealthplansmadesimple.com/happy-holidays-annoying-solicitations/) - [et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” global_colors_info=”{}”] UNWANTED SOLICITATIONS Here’s An example (from a client) I have received several calls this year from clients mentioning that the Medicare insurance solicitation calls won’t stop. One client was gracious enough to text me a photo of the letter she
- [PART D (prescription insurance) COPAYS TO COSTLY?  Ask For An Exception!](https://retirementhealthplansmadesimple.com/part-d-prescription-insurance-copays-to-costly-ask-for-an-exception/) - [et_pb_section fb_built=”1″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”] There are many parts to a Medicare prescription drug (Part D) plan. There are your copays, the drug tiers, the drug copays, the annual deductible, the restrictions put on the type of drug you are taking (step therapy, quantity limits,
- [THYROID ISSUES partly caused by LOW IODINE LEVELS:   Bromide Inhibits Iodine](https://retirementhealthplansmadesimple.com/thyroid-issues-partly-caused-by-low-iodine-levels-bromide-inhibits-iodine/) - [et_pb_section fb_built=”1″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” global_colors_info=”{}”] The following is TAKEN FROM A NEWSMAX article: Dr. David Brownstein, M.D., writes: When I talk to people about toxins, most assume that I’m referring to mysterious substances that are involved in manufacturing. But the home is also a source

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- [Home](https://retirementhealthplansmadesimple.com/) - Theresa Cangemi: Medicare Insurance Specialist, Independent Agent, and Consultant - Retirement Health Plans Made Simple
- [Blog](https://retirementhealthplansmadesimple.com/blog/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Blog Posts [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”3_4,1_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_blog fullwidth=”off” include_categories=”all” show_thumbnail=”off” show_more=”on” show_author=”off” _builder_version=”4.21.0″ _module_preset=”default” body_font=”||on||||||” body_text_color=”#000000″ meta_text_color=”#01349F” meta_font_size=”18px” read_more_font=”|600||||on|||” read_more_text_color=”#01349F” global_colors_info=”{}”][/et_pb_blog][/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Newsletters [/et_pb_text][et_pb_accordion open_toggle_background_color=”#999999″ closed_toggle_background_color=”#CB0000″
- [FAQs](https://retirementhealthplansmadesimple.com/faqs/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] FAQs [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” header_3_font=”|700|||||||” header_3_text_color=”#01349F” header_3_font_size=”24px” background_color=”#a2d3f2″ custom_padding=”10px|10px|10px|10px|false|false” global_colors_info=”{}”] What is a Medicare Advantage Plan (Part C)?
- [Testimonials](https://retirementhealthplansmadesimple.com/testimonials/) - [et_pb_section fb_built=”1″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Testimonials The following are testimonials from some of Theresa’s clients: [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_testimonial author=”Wendy” company_name=”April 2026″ _builder_version=”4.27.6″ _module_preset=”default” hover_enabled=”0″ border_width_all=”2px” border_color_all=”#01349F” box_shadow_style=”preset2″ global_colors_info=”{}” sticky_enabled=”0″]Hi Theresa! Your welcome as always. I have to tell you
- [About](https://retirementhealthplansmadesimple.com/about/) - [et_pb_section fb_built=”1″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.20.4″ _module_preset=”default” custom_padding=”||10px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”] About [/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”] Theresa Cangemi, Medicare Insurance Specialist, Independent Agent, and Consultant With an extensive background and history in the insurance industry, Theresa Cangemi became a Medicare Insurance Specialist in 2008 in order to help the Medicare-eligible
- [Quote Tools](https://retirementhealthplansmadesimple.com/quote-tools/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Get A Quote [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_accordion open_toggle_background_color=”#dddddd” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”#01349F” icon_color=”#FFFFFF” use_icon_font_size=”on” icon_font_size=”22px” _builder_version=”4.27.4″ _module_preset=”default” closed_toggle_font=”|700|||||||” closed_toggle_font_size=”20px” hover_enabled=”0″ border_color_all=”#01349F” global_colors_info=”{}” sticky_enabled=”0″][et_pb_accordion_item title=”Spirit Dental Insurance Coverage” open=”on” open_toggle_text_color=”#000000″ _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}”
- [Privacy Policy](https://retirementhealthplansmadesimple.com/privacy-policy/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”Text” _builder_version=”4.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″] PRIVACY POLICY Protecting your privacy is very important to me. This privacy policy describes what information is collected. I will ask for your name, contact information, or other similar information in
- [Keynote Speaker](https://retirementhealthplansmadesimple.com/keynote-speaker/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Keynote Speaker [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Theresa is available for hire for speaking engagements! Please contact us to get started. [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_4,1_2,1_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][/et_pb_column][et_pb_column
- [Contact](https://retirementhealthplansmadesimple.com/contact/) - [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”] Contact Me [/et_pb_text][et_pb_text _builder_version=”4.23.4″ _module_preset=”default” text_font=”|600|||||||” text_text_color=”#CB0000″ background_color=”#cccccc” custom_padding=”10px|20px|10px|20px|false|false” border_width_all=”1px” border_color_all=”#CB0000″ box_shadow_style=”preset3″ global_colors_info=”{}”] “Medicare Made Simple, LLC™” has been renamed “Retirement Health Plans Made Simple℠” in 2023 to comply with new regulations. [/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.21.0″ _module_preset=”default”
- [Landing Page](https://retirementhealthplansmadesimple.com/landing-page/) - [et_pb_section fb_built=”1″ _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_3,2_3″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.21.0″ _module_preset=”default” background_color=”#e0e0e0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”] Contact Me! Theresa Cangemi, CSA, CLTC [/et_pb_text][et_pb_image src=”https://retirementhealthplansmadesimple.com/wp-content/uploads/2023/04/CSAlogo.png” title_text=”CSAlogo” align=”center” _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”][/et_pb_image][et_pb_text _builder_version=”4.22.1″ _module_preset=”default” link_font_size=”16px” global_colors_info=”{}”] Medicare Insurance Specialistand Independent Agent Business Cell:315-727-4933 Email:tcangemi@RetirementHPMS.com [/et_pb_text][et_pb_text _builder_version=”4.20.4″ _module_preset=”default” global_colors_info=”{}”] Connect [/et_pb_text][et_pb_social_media_follow _builder_version=”4.20.4″ _module_preset=”default” text_orientation=”center” global_colors_info=”{}”][et_pb_social_media_follow_network social_network=”twitter” url=”http://www.twitter.com/medicaresimple” _builder_version=”4.22.2″
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