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Theresa Cangemi, CSA, CLTC

Medicare Specialist and
Independent Agent
Owner of  
"Medicare Made Simple, LLC™"

Business Cell: 



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Enrollment Options

Medicare Advantage
Medicare Supplements
Prescription Drug plans

Scope of Appointment Form
Medication Form
List of Doctors

Other offerings

Life Insurance
Long Term Care (CLTC)
Fixed Annuities
Final Expense (Burial) Insurance
Dental insurance
Travel Insurance Coverage

Learn more!


Theresa Cangemi, Medicare Specialist, Independent Agent, and Consultant

With an extensive background and history in the insurance industry, Theresa Cangemi started Medicare Made Simple in 2008 in order to help the Medicare-eligible population understand the many facets of Medicare. Theresa provides one-on-one personal service, educating clients to help them choose the right Medicare plan for them. New York State licensed, Theresa is well-equipped to help clients navigate Medicare plans, details, costs, penalties, and other confusing aspects of Medicare choices in a non-threatening, sharing, and informative person-to-person process.

With so much constantly changing including information, picking a total Medicare package can be intimidating. The plan should fit you: where you are now and where you will be in the future. It is very important to consider how a plan is comprised and to choose a plan that will fit your healthcare needs. The Annual Enrollment Period allows Medicare eligibles to change their Medicare plan, if needed. Theresa Cangemi can help you pick the right Medicare plan for you.

Theresa is also called upon to provide Medicare seminars to non-profit agencies (employees and their clients), at senior centers and libraries, and she teaches at OCM BOCES, Natur-Tyme (community room),  and SUNY IT (MVILR division).  She is also available to be hired as a key-note speaker.

Theresa is licensed by the New York State Insurance Department* to consult and ENROLL clients into insurance plans in the following categories:

  • Medicare Insurance:
    • Medicare Advantage (or Part C)
    • Medicare Supplement (or Medigap)
    • Prescription Drug plans (or Part D)
  • Life Insurance
  • Final Expense Insurance
  • Long Term Care Insurance
  • Dental Insurance
  • Group (employee) Voluntary Products
  • Fixed Annuities
  • Travel Insurance Coverage

Theresa is not a Medicare Specialist for one specific insurance company. Rather, she is a licensed independent agent/broker appointed by several insurance companies to offer their insurance plans. Consultations are given at no charge. She earns a commission based on a client’s enrollment in any of the insurance plans listed above, which is paid by the carrier and not the client.


Certifications / Awards / Articles / Keynote Speaker




Certified Senior Advisor (CSA) 

What does the CSA designation mean to you? …..  that a CSA:

  • Understands the needs of seniors.
  • Meets the personal integrity requirements.
  • Demonstrates a knowledge of the key health, financial and social issues of the most importance to seniors.
  • Agreed to follow the CSA Code of Professional Responsibility, which promotes high ethical business practices.

CSA brochure. PDF …. click this link to find out what a CSA is all about.



Certified in Long Term Care (CLTC)

“The ‘Certified in Long-Term Care’ (CLTC) program is the long-term care insurance industry’s only independent professional designation. Created in 1999, the course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their middle-age clients.”

See website:

Search (at top): “Find a CLTC” to locate my participation.




Medicare Made Simple was recognized as a unique small business 
at the 9th Annual SOHO Awards, October 2011.

Category:  Minority/Woman-Owned.


Current Honoree for the Business Journal/BizEventz – Excellence in Healthcare Award   – October 30th at OnCenter,  Syracuse, NY.

Category:  Community Partner / Advocate of The Year

2012 Excellence in Health Care recognizes our region’s top health-care-industry leaders, innovators, and companies. This awards-recognition event will honor those individuals and/or organizations that have a significant impact on the quality of health care and services in our communities.


Current Honoree for 2012 CenterState CEO Economic Champion – luncheon October 25th,  at the OnCenter, in Syracuse, NY

click link to find Medicare Made Simple:  Economic Champion. 2012


CenterState CEO “Business of the Year Finalist” — Minority-owned Business category – April 2018, held at SRC Arena




Theresa Cangemi, President, Medicare Made Simple, LLC was chosen as one of six highly successful businesswomen in the area who have made a difference as a valuable member of the community. It provides their insight on what motivated them to start their own business and keys to their success. by Lou Sorendo

Oswego County Business magazine, August/September 2020


“Demistifying Medicare” article  –   November 2012 Issue

Today’s CNY Woman magazine article. November 2012. pdf


“Medicare Made Simple educates seniors about choices”  –  April 26, 2013 Issue

Business Journal article. reprint. April 26, 2013. pdf


 ‘Medicare Lady’ Helps Veterans and Others Navigate Medicare Coverage Options  –  May 2013 Issue

InGoodHealth article. reprint. May 2013. pdf


“Evolving In Her Career, Evolving with WBOC” –  June 2013 Issue

Syracuse Woman magazine article. reprint June 2013. WBOCPg20  … pdf




Theresa Cangemi, CSA, CLTC, President of Medicare Made Simple, was the afternoon keynote speaker at the Dementia Care conference in May 2014.

A Syracuse-based business started in 2008 which helps a growing generation of retirees understand the Medicare system and their options and assists clients throughout NY State enroll into the right Medicare plan that benefits their needs. Cangemi is a Medicare specialist, an independent agent and consultant. Her clients affectionately call her “The Medicare Lady™.”

Theresa can be hired as a keynote speaker for your next event!  CALL (office) 315.727.4933.


Key topic may include:

  •   Medicare Demystified;
  •   Ethics, Advocacy, and Fiduciary;
  •   Long term care options simplified.
  • CORPORATE: Employees Becoming Eligible For Medicare? Don’t know how to answer their Medicare questions or how/when they should apply for benefits? I’m available!

If you have other seminar topics you might be interested in, let’s talk!



*Medicare is a highly regulated industry that requires anyone who sells Medicare Advantage plans (Part C), Medicare Supplement plans (Medigap), or Prescription Drug plans (Part D) needs to be licensed in the state they are selling or enrolling people who are eligible for Medicare.