The Medicare Insurance Lady

Celebrating since 2008 as a Medicare Insurance Specialist

(This Is NOT A Government Newsletter)

📧 tcangemi@RetirementHPMS.com

📱 Cell: 315.727.4933

Hello Theresa,

New Name: Retirement Health Plans Made Simple




MEDICARE SECTION: Hospice Defined: Myths and Coverage


MEDICARE SECTION: Excellus BCBS GYM Changing Sept. 1st




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" 



PERSONAL NOTE TO CLIENTS:


Time to get ready!

This is a busy time of year where I am on webinar trainings and completing recertifications with each insurance company I offer, for 2026.


I look forward to working with each of you during October 15th to December 7th. The enrollment season will be here before we know it.


MEDICARE SECTION


Medicaid and Medicare cover hospice care for people who qualify.


  • 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 in a Medicare-approved program.

There’s no limit to how long you can receive hospice services, but after two initial 90-day periods, the qualifications have to be confirmed every 60 days. Most private-pay insurance companies also cover hospice care.


Because Medicare has ongoing hospice coverage, hospice fraud is unfortunately common. Criminals sign up a Medicare recipient for hospice without their knowledge and begin receiving payments for “services.” When the insured person goes to file a non-hospice claim, they’re on record as being in hospice care, and their claim is denied. Report any suspected fraud to Medicare.


“Dying isn’t really the focus of hospice care,” Angela Novas, chief medical officer for the Hospice Foundation of America, told AARP. “The focus of hospice is to live well for the remainder of your time, however long that is.” To support people in maintaining that focus, hospice care is palliative care that emphasizes pain and symptom management.  


Hospice is a service, not a place. Hospice could even be said to be a team of people, including home health aides, social workers, doctors, nurses, clergy, and sometimes even death doulas. Hospice care also includes caregiver support in the form of counseling and respite care. 


But in practice, hospice is about making a person as comfortable and connected as possible during what may be the last days of their lives. 



READ THE FULL ARTICLE, taken from the CSA Blog


MEDICARE SECTION


Excellus BCBS will be ending the partnership with FitOn Health

gym membership August 31st, 2025. They will transition back to the

Silver&Fit gym membership provider.


Excellus expressed they understand that FitOn Health has presented challenges for some of our members. To better meet your needs, we’re transitioning back to the Silver&Fit® program on September 1, 2025. 


Members will receive letters and updates to their Evidence of Coverage with more details about the Silver&Fit fitness benefit.


Your benefit with the Silver&Fit program begins on September 1.


Here’s what to do next:


1. Register Online: On or after September 1, visit ExcellusBCBS.com/Fitness

to create your Silver&Fit account.


2. Check if your current gym is in network: Click on the Fitness Centers tab to search for gyms near you and complete your enrollment. If your current gym is not in network, you can easily search for and choose a new participating fitness center near you.


3. Download and print your Silver&Fit card and bring it with you to the fitness center to start using your benefit.


4. To register by phone you can call the Silver&Fit program at 1-888-797-7925 (TTY 711) for help. 



MORE TO COME ....... Look for your letter(s) from Excellus BCBS



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.” 


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

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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