Celebrating since 2008 as a Medicare Insurance Specialist

(This Is NOT A Government Newsletter)

📱 Cell: 315.727.4933

Hello Theresa,

New Name: “Retirement Health Plans Made Simple℠”

DECEMBER 7th (tomorrow) ENDS THE ANNUAL ENROLLMENT PERIOD.

SOME CLIENTS MAY HAVE AN "SEP" IF YOUR PLAN IS TERMINATING December 31, 2025. YOU WILL HAVE ADDITIONAL TIME (to December 31st) TO CHOOSE ANOTHER INSURANCE PLAN (for 2025). I can still schedule you for a meeting to find another Medicare plan.

So what can you expect?

If I have not caught up to you yet and you are still waiting for a call or email, I am continuing to return calls and emails as soon as I can. EVERYONE WILL GET A CALL or EMAIL BACK.

If I have not responded to you yet and you need to change your plan, do this before MIDNIGHT tomorrow (December 7th), please call

1-800-MEDICARE (800-633-4227). They are available 24/7.

If you miss the December 7th deadline, there is another enrollment period available to you January, February, and March.

See below for more information .... "What is the good news?" section AND "Thought to Consider" section.

UPDATE ......................... resending this section:

Contract negotiations for 2025:

EXCELLUS BCBS SIGNED WITH FCMG (Family Care Medical): IN-NETWORK
Still waiting on a contract with Excellus and St Joseph doctors/hospital
Still waiting on a contract with Aetna and St Joseph doctors/hospital

UPDATE ......................... resending this section:

AEP CHALLENGES - DELAYS IN RETURN CALLS AND EMAIL CONTACTS
NOTICE: SOME MEDICARE ADVANTAGE PLANS ARE ENDING 12/31/2024.
ANOTHER ENROLLMENT PERIOD - "OEP" (January to March 2025)

ANNOUNCEMENT: NOW LICENSED in NY and Florida.

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

Keep reading!

Theresa Cangemi CSA, CLTC

"The Medicare Insurance Lady"

MEDICARE SECTION

AEP – the Annual Enrollment Period (October 15^th to December 7^th).

If you change your Medicare insurance plan (with me) during AEP it would be effective January 1st, 2025.

MEDICARE SECTION .... ...... Resending This Section

PRESS RELEASE:

Excellus BCBS and FamilyCare Medical Group Announce a New Contract Agreement That Keeps FamilyCare Medical Group in the Excellus BCBS Provider Network

November 21, 2024

Excellus BlueCross BlueShield and FamilyCare Medical Group (FCMG) have announced a new contract agreement effective Jan. 1, 2025, that will keep FCMG in the Excellus BCBS provider network.

Excellus BCBS members can continue to access FCMG providers as they always have.

Click Here for Press Release Article

MEDICARE SECTION ...... Resending These Sections (below):

MY COMMENTS to my clients:

I want to thank my clients for reaching out to me this AEP 2024.

I have received your voicemails, emails, and some text messages.

I want you to know that as busy as this enrollment period is, I am trying to return all calls, emails, text messages in a first come first serve basis.

I am sorry for the delay in responding back to you.

So what can you expect?

If I have not caught up to you yet and you are still waiting for a call or email, I am continuing to return calls and emails as soon as I can AND in between daily client meetings.

If are waiting for the contract negotiations between Excellus BCBS and St Joseph doctors/hospital (Trinty Health) the providers are NO LONGER in-network with each other, you will have to change plans by December 7th. There is another enrollment period available, see below.

If are waiting for the contract negotiations between Aetna and

St Joseph doctors/hospital (Trinty Health) the providers are NO LONGER in-network with each other, you will have to change plans by December 7th. There is another enrollment period available, see below.

We are still waiting to hear if BCBS and Aetna will be able to settle with St. Joes/Trinity and agree to a contract for 2025.

I DO NOT have any time slots available from now until December 7th, unless I have a cancellation.

*********************

IF YOU RECEIVED A LETTER SAYING THAT YOUR Medicare Advantage plan is ending (at the end of this year 12/31/2024) you have until December 31st, 2024 to pick a new insurance plan.

I do have appointments left and available after December 7th for those clients who have a Medicare Advantage plan that is ending 12/31/2024.

Please reach out to me for an appointment, scheduled after December 7th.

**********************

What is the good news?

There is another enrollment period called the Open Enrollment Period (OEP) which runs the first quarter of the year - January 1st to March 31st.

You can only change from a Medicare Advantage plan to another Medicare Advantage plan during this time.
You can also change from a Medicare Advantage plan to a Medicare Supplement/Medigap plan

If you make a plan change in January, your new Medicare Advantage plan starts February 1st.

If you make a plan change in February, your new Medicare Advantage plan starts March 1st.

*****************************************

THOUGHT TO CONSIDER!!!

If you do wait to make a plan change with me in January 2025, you still have the Medicare Advantage plan from 2024 and are subject to any changes in that plan for 2025.

If you have a PPO plan and AETNA and St. Joseph's DO NOT agree to a contract for 2025 you would be out-of network and be subject to higher copays or co-insurance in 2025.

If you have an HMO plan, there is NO out-of-network coverage with HMO plans and you would pay all the medical cost, if the contracts are not agreed to for 2025.

Also, I understand that Humana does not have Upstate Hospital

in-network for 2025.

SOLUTION!

This is doable, but if you do wait to make a plan change in 2025 you would be out-of-network WITH A PPO PLAN (if the contracts don't get signed for 2025) and you might have to pay the total bill upfront and seek reimbursement from the carrier (insurance company) minus your copay or coinsurance.

This would NOT work with HMO Medicare Advantage plan because there is NO out-of-network coverage.

IF YOUR MEDICARE ADVANTAGE PLAN IS ENDING BY DECEMBER 31st, 2024 - YOU HAVE UNTIL DECEMBER 31st, 2024 TO MAKE A PLAN CHANGE FOR 2025. (instead of the cut off date of December 7th).

IF YOU HAVE DECIDED TO CHANGE YOUR MEDICARE PLAN AND HAVE NOT REACHED OUT TO ME, OR CHANGED YOUR MEDICARE PLAN YOURSELF, OR USED ANOTHER AGENT, PLEASE LET ME KNOW!!

I NEED TO KNOW WHAT CLIENTS ARE STILL MY CLIENTS MOVING FORWARD. I WOULD APPRECIATE THIS. I AM WORKING HARD FOR ALL OF YOU.

Your enrollment business and enrollment changes with ME is how I get paid.

APPRECIATE YOUR BUSINESS!!

Theresa Cangemi

New October 2022 CMS (government) REQUIRED disclaimer:

“Every plan may not be available in your area. Any information we provide is limited to those plans we do offer in your area.” “Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”

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Theresa’s disclaimer: I DO OFFER Medicare Insurance plans from MANY different insurance companies; in NY and Florida.

The available insurance plans will depend on your state, zip code, and eligibility.

* 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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