Celebrating 14 years as a Medicare Specialist, October 2022

📱 Cell: 315.727.4933

Hello Theresa,

  • MEDICARE – OVER-THE-COUNTER HEARING AIDS (from retailers without a prescription!)
  • HEALTH SECTION –  Breakfast Carrot-Cake Oatmeal Cakes – recipe (grab and go treat)


If you are moving and relocating to Florida, I can help you find a new Medicare plan. Please give me a call; and referrals to friends and family are always welcomed and appreciated! 

I will be known in Florida as “Boomer Health Plans Made Simple, LLC”

(Florida would not let me keep the word “Medicare” in my business name).

Keep reading!

Theresa Cangemi CSA, CLTC

"The Medicare Lady™" 



(from retailers without a prescription!)

During this Annual Enrollment season (October 15th to December 7th) I heard a lot from those who are Medicare eligible that dental, vision, and hearing benefits are most important to them. 

Let’s talk about hearing benefits.

Most Medicare Advantage plans do offer an annual Routine Hearing Exam. With some plans you may have to pay a copay. With other plans there may be a $0 dollar copay treating with an in-network provider.

If you have heard any “buzz” or mention of over-the-counter (OTC) hearing aids, here is an article that discusses what is going on:

As of August 16, 2022, “the U.S. Food and Drug Administration issued a final rule to improve access to improve access to hearing aids which may in turn lower costs for millions of Americans. This action establishes a new category of over-the-counter (OTC) hearing aids, enabling consumers with perceived mild to moderate hearing impairment to purchase hearing aids directly from stores or online retailers without the need for a medical exam, prescription or a fitting adjustment by an audiologist. 

The rule is expected to lower the cost of hearings aids, furthering the Biden-Harris Administration’s goal of expanding access to high-quality health care and lowering health care costs for the American public. It is designed to assure the safety and effectiveness of OTC hearing aids, while fostering innovation and competition in the hearing aid technology marketplace. 

Today’s action follows President Biden's Executive Order on Promoting Competition in the American Economy, which called for the FDA to take steps to allow hearing aids to be sold over the counter and set a swift 120-day deadline for action, which the FDA met. In 2017, Congress passed bipartisan legislation requiring the FDA to create a category of OTC hearing aids, but it was not fully implemented until now. Consumers could see OTC hearing aids available in traditional retail and drug stores as soon as mid-October 2022 when the rule takes effect.

Close to 30 million adults in the U.S. could benefit from hearing aid use. Individuals with permanent hearing impairment can use hearing aids to help make speech and sounds louder, improving the ability to communicate effectively with others. Many hearing aids can be expensive. The final rule aims to stimulate competition and facilitate the sale of safe and effective OTC hearing aids in traditional retail stores or online nationwide, providing consumers with perceived mild to moderate hearing loss with improved access to devices that meet their needs and are less expensive than current options. 

Concurrently with issuing the final rule, the FDA also issued the final guidance, Regulatory Requirements for Hearing Aid Devices and Personal Sound Amplification Products (PSAPs), to clarify the differences between hearing aids, which are medical devices, and PSAPs, consumer products that help people with normal hearing amplify sounds.  

The effective date for the final rule is 60 days following publication in the Federal Register. Manufacturers of hearing aids sold prior to the effective date of the final rule will have 240 days after its publication to comply with the new or revised requirements. For hearing aids that have not been offered for sale prior to the effective date, compliance with the new or revised requirements must be achieved before marketing the device, including obtaining 510(k) clearance if applicable.”


View Article

So far (2022), no Medicare Advantage plan will pay for Over-The-Counter hearing aids because the FDA new ruling is just launching.

Now, if dental options could get better!


Breakfast Carrot Cake Oatmeal Cakes

I love grab and go healthy food items. I found a food bar made with dates and only has four to five other ingredients, in the grocery store. These food bars contain dates, has no artificial sweeteners, are plant based, gluten free, and dairy free. So good!

Here is a recipe that you can make at home with healthy oatmeal, shredded carrot, raisins and walnuts. You can make them bite size for a grab and go snack or make them muffin size for a great breakfast treat.

Here is the list of ingredients:

  • 3 cups old-fashioned rolled oats
  • 1 ¼ cups low-fat milk
  • ⅓ cup packed brown sugar
  • ¼ cup unsweetened applesauce
  • 2 large eggs, lightly beaten 
  • 1 tablespoon ground cinnamon
  • 1 teaspoon baking powder
  • 1 teaspoon vanilla extract
  • ½ teaspoon ground nutmeg
  • ½ teaspoon salt
  • ½ cup finely shredded carrot
  • ¼ cup raisins, chopped
  • ¼ cup finely chopped walnuts

If I have caught your attention and want to make these, here is the recipe: 

Get the Full Recipe Now

You can freeze the oatmeal cakes in an airtight container for up to 3 months … and can reheat to eat.

* This article is for information purposes only. I don’t recommend, support, or diagnose any featured writer or article. I am not a doctor. Your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. You and your doctor will know your own health best.
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