How You Can Quit Smoking Today!

You Can Quit Smoking Today
You Can Quit Smoking Today

How You Can Quit Smoking Today!
We told you in our video “How I Stopped Smoking In 3 Days” I shared my story of how and why I was able to stop smoking in only 3 days after smoking for over 30 years.
Now new research is showing that those who quick “cold turkey” is most often more successful than those try to stop over time.
Continue reading “How You Can Quit Smoking Today!”

Medicare Annual Wellness Visit Information For You

If Medicare covers you, you have a number of free preventive care services available to you to promote your health and wellbeing.

All Medicare beneficiaries are eligible for an annual wellness visit, a yearly appointment with your health care provider to update or develop a five to 10-year prevention schedule based on your needs.

If you have been receiving Medicare Part B benefits for at least 12 months and have not had an initial “Welcome to Medicare” exam, you are now eligible for this free benefit.

Continue reading “Medicare Annual Wellness Visit Information For You”

IMS.COM-March Newsletter – Do You Need Help Paying For Prescriptions?

           March Newsletter

Wishing all the March Babies –“Happy Birthday

The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State program for seniors administered by the Department of Health. It helps more than 280,000 income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs. Seniors can apply for EPIC at any time of the year and must be enrolled or eligible to be enrolled in a Medicare Part D drug plan to receive EPIC benefits and maintain coverage.

EPIC provides secondary coverage for Medicare Part D and EPIC-covered drugs purchased after any Medicare Part D deductible is met. EPIC also covers approved Part D-excluded drugs once a member is enrolled in Part D.

EPIC helps pay the Medicare Part D drug plan premiums for members with income up to $23,000 if single or $29,000 if married. Higher income members are required to pay their own Part D premiums but EPIC provides premium assistance by lowering their EPIC deductible.

EPIC has two plans based on income. The Fee Plan is for members with income up to $20,000 if single or $26,000 if married. The Deductible Plan is for members with incomes ranging from $20,001 to $75,000 if single or $26,001 to $100,000 if married.

It is easy to join the program. Just complete the application on the link here  NY EPIC APPLICATION to download this newsletter and mail or fax it to EPIC. No documentation is required. EPIC verifies information with the Social Security Administration and the NYS Department of Taxation and Finance. You can call them at 1-800-332-3742

We have Discounted Dental Plans,                                                                                                                                                      They Are Less Expensive Than Regular Dental Insurance!

If you don’t have access to a computer you can call me and will find out if your dental is in the plan and if he is not who in your will accept this low cost plan.                                                                                            Go to to find your dentist and save on dental bills.

Everyday of the year someone turns age 65 and needs help enrolling in Medicare.                                                             If someone in your life is turning 65 this year please have them call me at 845-380-5809 and I will have a special gift for you for referring me.

If you or someone you know needs any kind of help with my programs please feel to call me, I am always happy to be of service to my clients.


Bill Vargas, CLU, ChFC, REBC,

Medicare & Financial Services, 1145 Rt. 55, LaGrangeville, N.Y. 12540


Benefits Of Metamucil For Senior Health

Benefits O Metamucil For Senior Health
Metamucil® is different than clear-mixing fiber supplements, because it has psyllium fiber.

We mixed both Metamucil and the leading clear-mixing fiber, containing wheat dextrin, with the recommended amounts of water. We then added cooking oil, dyed red, to both, to represent cholesterol. The psyllium fiber found in Metamucil gels and traps the oil like a sponge. The clear-mixing fiber does not. That’s how Metamucil works in your body.


Compare fibers today, and choose the fiber supplement that gels, traps, and helps remove—Metamucil.

Power your health from the inside with Metamucil Original Coarse — a great way to add fiber to your day. It’s the only leading fiber supplement brand containing psyllium fiber for multi-health benefits.


The 100% natural psyllium fiber in Metamucil:


Up the fiber in your diet with Metamucil
a small simple step toward a healthier lifestyle.

It’s different because it gels. It’s Metamucil.

Why Should Seniors Have An Oatmeal Breakfast

Oatmeal Breakfast For A Longer Life

We have been telling our followers to eat a bowl of ‘oatmeal’ for breakfast for many years.
A new research report confirms that oatmeal fiber is a protective component for a longer and healthier life.
The Harvard School of Public Health research, which included over 367,000 AARP seniors, aged 50 to 71 years, found that people who had a diet rich in cereal fiber in the morning, lived longer as compared to those who didn’t it has been reported.
The research documented that eating a oatmeal breakfast had 19 per cent less risk of death as verses those who eat less fiber. The research goes on to show that fiber reduced the danger of dyeing from cancer by 15 percent and a 34 percent lower risk of death from diabetes. Over all, those who ate oatmeal and dietary fiber reduced mortality by 17 percent.
It was concluded that eating cereal fiber for breakfast is a premature and death-preventing healthy diet.
You need to eat at least 10.22 grams of cereal fiber per day based on a 1,000 kcal daily diet.

We have been advising you to start your day with a bowl of oatmeal with half a teaspoon of cinnamon. We are now adding a tablespoon of Coconut oil.
In many of our articles we have been telling you to have two tablespoons of Metamucil with two tablespoons of Apple Cider Vinegar as a healthy fiber tonic.

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What Seniors Need To Know About Coconut Oil

What Seniors Need To Know About Coconut Oil

It Is Really Special!

Good For Your Skin

When applied externally it forms a protective antibacterial layer protecting the infected body part. Also, coconut oil speeds up the healing process of bruises by helping to repair damaged tissue.

Helps With Weight Loss

Even though it is a fat, coconut oil actually helps with weight loss! The healthy medium chain fatty acids do not circulate in the bloodstream like other fats, they are sent directly to the liver and are converted into energy. Thus the body does not store the fat in coconut oil as fat; it uses it to produce energy instead. Continue reading “What Seniors Need To Know About Coconut Oil”

Swing Dancing For Weight Loss & longevity

Swing Dancing For Weight Loss & longevity, because it don’t mean a thing if you ain’t got that swing. Like ceiling fans that went out of style and then came back, so has swing dancing. Some of you may not be aware that ceiling fans went out of style for many years because they were considered old fashioned and had been replaced by air conditioning, only to be discovered years later that that their circulation reduces the cost of operating those air conditioners. Continue reading “Swing Dancing For Weight Loss & longevity”

Are You Affected By A Medicare Insurance Increase?

Go To for FREE Quotes & Info
Are You Affected By A Medicare Increase?
Who will get an increase in Part B rate?
Those who pay little or nothing for Part B – Medicaid- it will paid by the state for them.
Those not receiving SS retirement benefits “YET”!
Those who are initially enrolling in Part B @ 65
$104.90 INCREASING to $159.30 is an independent Health,Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC

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Depression Is “NOT” A Normal Part Of Aging?

What Is Depression?

  • Depression is a medical condition characterized by feeling sad, feeling of hopelessness; low self-esteem; and loss of interest in things they normally enjoy.
  • Senior citizens are prone to changes in life that can lead them to feel depressed.
  • Life throws us many curve balls, life changes, loneliness or a medical condition can become quite overwhelming.
  • However, depression is not a “normal” part of aging.

Continue reading “Depression Is “NOT” A Normal Part Of Aging?”