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Theresa Cangemi, CSA, CLTC

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

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Benefits of Green Tea

By: Rena Sandberg as seen on

Green tea has an impressive number of health benefits. It has been used by the Chinese for medicinal purposes since ancient times, using it to treat ailments such as headaches and even depression. Today, many scientific research studies have shown that green tea, as well as a healthy lifestyle, can help promote weight loss, prevent tooth decay and even ward off cancer.

Green tea contains potent antioxidants

The antioxidants in green tea, called catechins, hunt the free radicals in the body that contribute to cancer, blood clots and atherosclerosis.

Green tea helps promote weight loss

Some studies have shown that green tea helps fight obesity. A potent ployphenol (an antioxidant) found in green tea called Epigallocatechin gallate fires up the metabolism, therefore aiding in weight loss.

Green tea vs. cancer

Research studies have concluded that green tea can inhibit the growth of cancer cells. The compounds in this tea counteract carcinogenesis and can even block the formation of certain tumors.

Green tea helps prevent tooth decay

The catechins in green tea inhibit bacterial colonies from forming on the surfaces of teeth, therefore preventing tooth decay. In addition, green tea is also said to help fight gum disease.

Green tea wards off viruses

Certain bacterias, including staph, can be killed by green tea. The catechins in this tea also kill just about every kind of bacteria that causes food poisoning.

Cholesterol can be lowered by drinking green tea

The antioxidants in green tea inhibit the oxidation of LDL (bad) cholesterol in the arteries.

Ward off heart attacks and strokes with green tea

Green tea inhibits abnormal blood clot formation which, in turn, helps prevent heart attack and stroke.   

This all sounds magnificent but you might wonder, why does green tea have more powerful properties than other teas? Although green tea – like oolong and black tea – comes from the leaves of the Camellia Sinensis plant, it is set apart by the way it is processed. In order to prevent the EGCG (a very potent catechin) compound from being oxidized, green tea leaves are steamed. Black and oolong tea leaves are made from fermented leaves. The outcome is that the EGCG is converted into other compounds which are not as effective in fighting many diseases.

Scallops with Green Tea Cream

This delicious dinner entrée is loaded with health benefits and fantastic flavor.


  • 1/3 cup crème fraîche
  • 1 1/4 teaspoons matcha (Japanese green tea powder), divided
  • 1/2 teaspoon fresh lemon juice
  • 1/8 teaspoon fine sea salt
  • 1/8 teaspoon Hungarian hot paprika
  • 1/2 teaspoon ground ginger
  • 18 large sea scallops (about 1 3/4 pounds)
  • 1 tablespoon extra-virgin olive oil, divided
  • 1/4 teaspoon fleur de sel or other sea salt
  • 2 tablespoons fresh chervil (optional)

Note: If you cannot find the Japanese green tea powder in an Asian grocery store or market, pulverize regular green tea in a spice grinder.


1. Place crème fraîche in a medium bowl; beat with a mixer at high speed until stiff peaks form. Add 1/2 teaspoon matcha, lemon juice, 1/8 teaspoon salt, and paprika, stirring with a whisk.

  • 2. Combine remaining 3/4 teaspoon matcha and ground ginger in a fine mesh sieve over a bowl; press ginger mixture through sieve. Sprinkle the ginger mixture evenly over scallops.
  • 3. Heat a large heavy skillet over high heat. Add 1 1/2 teaspoons oil to pan; swirl to coat. Arrange half of scallops in a single layer in pan; cook 2 minutes on each side or until browned and desired degree of doneness. Remove scallops from pan. Repeat procedure with remaining 1 1/2 teaspoons oil and scallops. Arrange 3 scallops and about 1 tablespoon crème fraîche mixture on each of 6 plates. Sprinkle evenly with fleur de sel and chervil, if desired.

Nutritional Information:

Calories: 155

Total Fat: 7.6 g

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Things to do Following the Funeral Service

It is sometimes difficult to know what to do after a funeral service. Use this list to help guide next steps!
  • Certified copies of the death certificates received.  Please inform if you need additional copies.
  • Acknowledgment cards written and sent:
    1. To those who sent flowers or brought food
    2. To those who served as pallbearers
    3. To those who assisted as musicians, custodians, altar assistants, lunch providers, etc.
    4. To clergy or others who may have spoken at the service
    5. To those who made memorial contributions
  • For any legal questions, notify an attorney.  He/She will discuss with you probating the will, inheritance and estate taxes, etc.  He/She will also help you draw up or update your own will. File your will at the local County Clerk’s office.
  • Notify insurance companies and file claims when appropriate:
    1. Life Insurance, Medical, Health, Disability, Travel, and Accident
    2. Pension Benefits
    3. Home Owners
    4. Change Automobile Insurance
    5. Change the Beneficiary on your own life insurance policy if the prior beneficiary was the deceased
  • Notify current employer or pension provider of death.  Check on group insurance benefits, survivor’s benefits, profit sharing, and or pension monies that you may be entitled to:
    1. Civil Service Employees and/or Federal Employees
    2. U.S. Office of Personnel Management, Retirement Operations Center, PO Box 45, Boyers, PA 16017, or by phone 888.767.6738 or 724.794.2005
    3. Former Employers
    4. Union Representative (if deceased was a union member)
    5. Professional and fraternal organizations
  • Apply for appropriate benefits when applicable:
    1. Pension Benefits
    2. Railroad Retirement Benefits (800.808.0772)
    3. Worker’s Compensation Benefits
  • Notify the Department of Motor Vehicles to transfer titles of all registered vehicles, mobile homes, and boats registered in the deceased’s name. The form can be obtained at the local DMV.
  • Notify Financial Advisor / Stockbroker:
    1. Check with your advisor to see how many copies of the death certificate will be needed
    2. Change ownership of joint or solely owned stocks
    3. Cancel any open orders arranged by deceased 
  • Notify Bank:
    1. Change all jointly held accounts and amend tax identification numbers
    2. Cancel direct deposit retirement benefit payments
    3. Re-establish name on safety deposit box, mortgages, loans, notes, etc.
    4. If you bank with a credit union, check to see if they supply a life insurance benefit
  • Notify credit card companies.  Some credit cards carry credit life insurance
  • Notify accountant (unless estate lawyer is preparing final tax returns).  Provide certified copies of the death certificate, previous filed tax return forms and current earnings and dividend statements
  • Cancel appointments made by deceased
  • Return any medical equipment
  • Notify schools, colleges, professional organizations regarding death
  • If the deceased was a member of a labor union, notify the union and inquire about any benefits survivors are entitled to
  • Keep an up-to-date accounting of all cash, income, and expenses
  • Collect any debts owed to deceased
  • Get hospital and medical statements as soon as possible
  • Pay all bills and taxes owed as soon as possible, such as funeral bill, income tax, real estate tax, home mortgage, hospital and medical bills
  • Make a review of your own financial situation
  • Be cautious about those who contact you to sell your merchandise, such as grave markers, cemetery space and merchandise, memorial Bible, etc.  If you are approached by someone in this regard, call us or someone else you can trust before buying
  • Referral Program Information
  • Please refer to the book given to you
  • Sample letter that may be used (mail certified with a return receipt requested)

Dear Sir or Madam,

This letter is to inform you that my (spouse, parent, child, etc.), (full name of deceased), passed away on (month, day, and year).  I understand that (he or she) may have been eligible for death benefits or survivorship pension benefits through your organization. Please inform me of whatever information and documents you may require from me as beneficiary.


Signature (Type/Print name and complete address with telephone number)

What Medicare Does NOT Cover

Did you know that Medicare Part A and Part B, known as Original Medicare, does not cover everything?

Here is a list of what Medicare does not cover:

Alternative Medicine, Cosmetic Surgery, Long-term Care, Personal Care, Dental and Vision Care, Routine Hearing Exams, Foot Care, Non-Emergency Services, Overseas Coverage.

For more information on what Medicare does and does not cover, you can visit:


This booklet  is called the “Medicare and You” booklet for 2015.  On Page 62, it will further explain what is not covered by Medicare.

However, some of these services may be covered under a Medicare Advantage plan, like:  dental and vision care, foot care, and hearing.



New York Health Benefit Exchange – Insurance plans for all

On August 20, 2013, an announcement was made that the NY Health Benefit Exchange, the state’s health insurance exchange under the federal health-care reform law, is now called “NY State of Health.”   Website:

What is the NY State of Health?  It is an insurance marketplace for New Yorkers to purchase affordable and comprehensive insurance coverage for themselves, their family, or for their small business employees.

The health-care reform law known as Patient Protection and Affordable Care Act of 2010 requires individuals to have health insurance coverage effective January 1st, 2014, or pay a penalty.

The Exchange Open Enrollment period becomes available to purchase insurance starting October 1st, 2013.

Exchange plans can be purchased online, by phone (call center), or through an agent/broker.  Once online a person can shop, compare, and enroll in a health plan.

Licensed, local, certified agents and brokers can be found on: starting October 1st.

Federally subsidized premium tax credits will be available for New Yorkers who purchase coverage for themselves, based on income level, to help further reduce their costs.  Individuals can determine if they qualify for the tax credits through the application process.

Employers with up to 50 employees can also obtain health coverage for their employees through the Small Business Health Options Program (S.H.O.P).  Employers have an October 1st deadline to provide all employees with a written notice about the upcoming health insurance marketplace.  Call me for details.


As of October 1st, 2013, I will be certified to educate, consult, and enroll individuals and small businesses into the “NY State of Health” insurance plans. Please call me to schedule an appointment to discuss your options, enrollment, and premium tax credits.

I can be reached at 315-676-4933 or email:






Help with Medical and Drug Costs – Programs for Low Income

You may be eligible to save money on medical and drug costs!  You may qualify for any of the following programs:

  • Medicaid
  • Medicare Savings Programs
  • Extra Help/Low-Income Subsidy
  • State Pharmaceutical Assistance Program
  • Pharmaceutical Assistance Program

Call me to find out what these programs are and how you would qualify.  All are income based, meaning that your income has to be under a certain amount to qualify for a program(s).  When I work with my clients, I automatically review each of these programs and educate what they are and how a person may qualify for eligibility.  These program(s) can help pay for your Part B premium or help pay for your prescription drug costs.