Celebrating 11 years as a Medicare Specialist, October 2019
Theresa Cangemi CSA, CLTC
Office: 315.676.4933
Hi there!

Common question: How do I get started applying for Medicare benefits?

In the Health Section: Inflammation and the Link to Degenerative Aging


Keep reading!

Theresa Cangemi CSA, CLTC
"The Medicare Lady™" 
When you're first eligible for Medicare, you have a 7-month Initial Enrollment Period to sign up for Part A and/or Part B.
If you're eligible for Medicare when you turn 65, you can sign up during the initial 7-month period that:

👉 Sign up begins 3 months before the month you turn 65
👉 Includes the month you turn 65
👉 Ends 3 months after the month you turn 65

To sign up for Medicare Part A and Part B is done through Social Security, not Medicare. One of three options to sign up for Medicare benefits is on the Social Security website: www.SSA.gov.
NOTE: If you aren’t automatically enrolled, you can sign up for premium free Part A (if you’re eligible) any time during or after your Initial Enrollment Period starts. Your coverage start date will depend on when you sign up. If you have to buy Part A and/or Part B, you can only sign up during a valid enrollment period.

Automatic enrollment into Part A and/or Part B happens if you sign up for Social Security (income) benefits under the age of 65. Your Medicare card will automatically be mailed to you. Your Medicare effective date, on the Medicare card, will be the first day of the month you turn age 65.
NOTE: If you wait until the month you turn 65 (or the 3 months after you turn 65) to enroll, your Part B coverage will be delayed. This could cause a gap in your coverage.

In most cases, if you don’t sign up for Medicare Part B when you’re first eligible, you’ll have to pay a  late enrollment penalty.  You'll have to pay this penalty for as long as you have Part B and could have a gap in your health coverage.


NOTE: To sign up for Part B when you are already enrolled in Part A, complete an  Application for Enrollment in Part B (CMS-40B) . 

Once your Initial Enrollment Period ends, you may have the chance to sign up for Medicare during a Special Enrollment Period (SEP).

If you're covered under a  group health plan  based on current employment, you have a SEP to sign up for Part A and/or Part B anytime as long as:

👉 You or your spouse (or family member if you're disabled) is working.
👉 You're covered by a group health plan through the employer.

Usually, you don't pay a late enrollment penalty if you sign up during a SEP.
NOTE: COBRA and retiree health plans aren't considered coverage based on current employment. You're not eligible for a Special Enrollment Period when that coverage ends. This Special Enrollment Period also doesn't apply to people who are eligible for Medicare based on having  End-Stage Renal Disease (ESRD) .
Inflammation and the Link to Degenerative Aging
In today's world, the consensus is that chronic inflammation is linked to degenerative aging; and is a major contributor to almost every age-related disease.

Uncontrolled inflammation can lead to the development of:

👉 Cancer
👉 Dementia
👉 Atherosclerosis
👉 Frailty
👉 Arthritis
👉 Other degenerative disorders

Chronic inflammation and being inflamed can be silent and unrecognized. With vascular inflammation there are no obvious warning signs until a heart attack or stroke occurs. Over time chronic inflammation damages cells, organs, and blood vessels which leads to loss of function and increases the risk of common age-related health problems.

Curcumin and ginger has been shown to inhibit and reduce the severity of inflammation. To read the full article, click below:
* This article is for information purposes only. I don’t recommend, support, or diagnose any featured writer or article. I am not a doctor. 

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