The Medicare Insurance Lady

Celebrating since 2008 as a Medicare Insurance Specialist

(This Is NOT A Government Newsletter)

📧 tcangemi@RetirementHPMS.com

Hi there!

MESSAGE TO CLIENTS:

We got through the Annual Enrollment Period. I want to thank my clients for your patience getting back to you, returning your calls your emails, and your text messages. It has been quite busy! I also want to thank you for your referrals!

WISHING YOU ALL A VERY BLESSED MERRY CHRISTMAS AND A HAPPY NEW YEAR!

If you miss the December 7^th 2025 deadline there is another enrollment period January, February, and March of 2026, BUT, you have to already be enrolled in a Medicare Advantage plan to be able to change to another Medicare Advantage plan. Please call me to schedule you for a January appointment.

MEDICARE SECTION:

HOW TO PREVENT YOUR MEDICAL IDENTITY THEFT

Medicare and Medical identity theft can affect your medical records, health insurance, and finances. 

******* The holiday season is a perfect time to target those busy shoppers who are busy getting ready for company and family time. You may not be paying attention and click to open an email that looks legitimate. Stop and take your time to make sure the email address, charges, and the message in the email or text look creditable. ********

Steps to protect yourself from medical identity theft: 

• Be careful about who you give your personal information to. This includes your Medicare number, Social Security number, credit card numbers, and driver’s license number.  
• Beware of unexpected texts, calls, or emails. A scammer may try to get you to click on a link or respond with your personal information. Remember that Medicare and Social Security will never reach out to you to ask for your personal information. 
• Keep documents that contain your medical information somewhere safe. This includes your health insurance card, insurance enrollment forms, prescription bottles, and billing statements. If you want to get rid of these things, use a shredder or wait for a local shred day.
• Before throwing out prescriptions, use a marker to cross out any personal information on the bottle. 
• Look out for common fraud schemes used to steal personal information. These include scams related to free COVID-19 tests, durable medical equipment that you didn’t ask for, genetic testing or cancer screening kits, new Medicare card scams, and telehealth fraud. 

If someone does manage to steal and use your medical information, look out for the following signs:  

• Charges on your Medicare statements for services, equipment, or medications you didn’t receive.  
• Shipment of braces, testing kits, or other medical supplies in the mail that you didn’t request.  
• Outreach by a debt collection company for a provider bill you don’t owe.  
• Medical debt collection that you don’t recognize.  

Review your credit reports. Visit www.AnnualCreditReport.com or call

877-322-8228 to get your free credit report. Look for medical billing errors. This includes medical debt collection notices that you don’t recognize. 

Article taken from the Medicare Rights Center: November 17, 2025

HEALTH SECTION:

WISHING YOU ALL A VERY BLESSED MERRY CHRISTMAS AND A HAPPY NEW YEAR!

Have a Blessed day!

Are you looking for more dental and vision coverage?

You can enroll in a OTHER DENTAL COVERAGE - STAND ALONE plans, for additional monthly premium.

Go to my website: www.RetirementHealthPlansMadeSimple.com

(FIND: "Quote Tools" tab). 

You can enroll in dental and/or vision coverage, on my website online. If you enroll online (on my website), I will get paid a commission for your enrollment.

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