Live Better
It pays to compare using Medicare’s new plan finder

Explore your options before Medicare Open Enrollment ends Dec. 7
(Family Features) Medicare’s Open Enrollment period is the one time of year for you to review your current Medicare Advantage or Part D prescription coverage and see if you have better options based on changes to the current plans, your budget or your health needs. The Open Enrollment period, from Oct. 15 through Dec. 7, gives everyone with Medicare the opportunity to review their options and decide whether they want to keep their current plan or make changes for coverage beginning Jan. 1, 2020.
Comparing plans pays. Medicare’s most used tool, the Plan Finder, has a new look and features to empower current and future Medicare users to make informed health care decisions, making it easier to learn about and compare coverage options, shop for health and drug plans and feel confident choosing a plan that best meets your needs.
Plan Finder provides a personalized experience through a mobile-friendly and easy-to-use design to help users learn about different options. The tool walks through the enrollment process from start to finish and allows users to view and compare Part D and many of the supplemental benefits that Medicare Advantage plans offer. It also features a star rating system which gives an overall rating of the plan’s quality and performance for the types of services each plan offers.

Should You Change Your Plan for 2020?
Medicare health and drug plans change each year and so can your health needs. Think about your health status and determine if you need to make a change. Ask yourself these questions:
- How does my plan compare to others in covering my drugs?
- Are other plans more affordable?
- Am I interested in having a plan that covers extra benefits like dental and vision?
- Does the network include the specialist or hospital I want for an upcoming surgery?
Consider what matters most to you when it comes to health coverage and be open to exploring your options, like Medicare Advantage plans from private insurers, which allow you to simplify your coverage by combining all your Medicare health and drug coverage into a single plan. Users who choose a Medicare Advantage plan often get extra benefits, like vision, hearing, dental and prescription drug coverage. As another alternative, users who choose Medigap can use any doctor who accepts Medicare and receives help with out-of-pocket costs but need a Part D plan to cover their prescription drugs.
Take Action Before Open Enrollment Ends
Medicare Open Enrollment ends Dec. 7. Now is the time to act if you want to enroll in or make changes to your Medicare health or prescription drug plan for coverage beginning Jan. 1, 2020. If your current coverage still meets your needs, you don’t have to do anything. If you miss the Open Enrollment deadline, you will likely have to wait a full year before you are able to make changes to your Medicare coverage.

For more information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048. Help is available 24 hours a day, including weekends. If you need help in a language other than English or Spanish, let the customer service representative know the language. You can also create a MyMedicare.gov account to manage your personal information like medical conditions, allergies and implanted devices or sign up to receive your “Medicare Summary Notices” (eMSNs) electronically.
Help in your community is available. Get personalized health insurance counseling at no cost to you from your State Health Insurance Assistance Program (SHIP). Visit shiptacenter.org or call 1-800-MEDICARE for your SHIP’s phone number.
More information about Medicare is also available on the Medicare Facebook page and by following @MedicareGov on Twitter.
What’s New with Plan Finder
Join the more than 20 million people who used Medicare’s Plan Finder during the 2018 Open Enrollment period. Here’s what can you find in 2019:
- Personalized search to find and compare plans
- More information about extra plan benefits
- Improved comparison of coverage options
- Simpler drug list built from prescriptions you filled
Get Help Paying for Prescriptions
Anyone who has Medicare can get prescription drug coverage. Some people with limited resources and income may also be able to get Extra Help to pay for monthly premiums, annual deductibles and prescription co-payments related to a Medicare prescription drug plan. If you have limited income and resources, you may qualify for Extra Help to pay for some health care and prescription drug costs.
Medicare estimates more than 2 million people with Medicare may be eligible for Extra Help but aren’t currently enrolled in the program. To qualify, your annual income must be less than $18,735 a year ($25,365 for married couples). Even if your annual income is higher, you may still qualify. Your resources must also be limited to $14,390 ($28,720 for married couples). Resources include bank accounts, stocks and bonds, but not your house, car or life insurance policies.
To see if you qualify, apply online at secure.ssa.gov/i1020/start or call 1-800-772-1213.
Information provided by the U.S. Department of Health & Human Services.
Live Better
Homeowners handbook: Navigating new HVAC refrigerants

(Family Features) Homeowners may not realize it, but one compound impacts their lives nearly every day: refrigerant. Capable of transforming from liquid to gas and back again, it absorbs and transfers heat as a key part of air conditioning and heat pump systems that keep you comfortable no matter the weather.
As part of your air conditioner or heat pump system, it helps transfer heat and humidity out of your home for cooling or draws heat from outdoor air and brings it inside for heating. However, while concerns about climate change heat up, government leaders are enacting policies that enforce greater control over the anticipated global warming potential (GWP) of refrigerants.
In fact, the Environmental Protection Agency (EPA) is limiting the GWP of refrigerants in equipment starting in 2025. At the same time, the EPA is implementing a phasedown on the supply of existing, higher GWP refrigerants.
The changes include a phasedown of high-GWP refrigerants commonly used in home air conditioning and refrigeration, introduction of alternative refrigerants with lower GWP that maintain efficiency and requiring manufacturers to comply with new standards for energy efficiency and environmental impact.
Despite these policy updates, you may not necessarily need a new air conditioner or heat pump. Here’s what homeowners need to know, courtesy of the experts at Carrier, a world leader in high-technology heating, air conditioning and refrigeration solutions:
Environmental Awareness and the Impact on Existing Home Systems
Transitioning away from high-GWP refrigerants contributes positively toward reducing your carbon footprint. These anticipated changes aim not only at reducing environmental impact but also at promoting technological advancements in heating and cooling solutions that benefit both consumers and the planet over time. If you have an existing system using older refrigerants like R-22 or R-410A, it can still be serviced; however, it’s possible repair costs may increase due to reduced availability.
Maintenance and Servicing
Regular maintenance becomes more crucial as systems age. Ensure your HVAC technician is knowledgeable about the new requirements and safely handling different types of refrigerants.
Considerations for New Purchases
When purchasing a new air conditioner or heat pump, be sure to check for energy efficiency ratings that align with the updated regulations and look for models using low-GWP refrigerants. For example, Puron Advance from Carrier will replace existing refrigerants in all its residential ducted and ductless and light commercial products. This innovative refrigerant, also known as R-454B, not only meets the EPA’s anticipated GWP limits for refrigerants but exceeds the new requirements with a GWP of 466, a 75% reduction compared to R-410A.
Incentives and Rebates
If you’re shopping for a new air conditioner or heat pump, keep an eye out for government incentives or rebates aimed at encouraging homeowners to upgrade their systems in compliance with new standards.
Consult Professionals
Owning a home is a lot of work on its own, and EPA regulations on your cooling and heating systems may be the furthest thing from your mind. If you believe you’re due for service or a new system, engage HVAC professionals – like the trusted experts at Carrier – who are up to date on regulatory changes. Always check local regulations for specific details applicable in your area since policies can vary by region beyond federal guidelines.
To find more information on the changes or connect with an HVAC professional, visit Carrier.com/Residential.
SOURCE:
Carrier
Live Better
5 things funeral directors wish everyone knew

(Family Features) Most people don’t want to think about death – let alone talk about it. When the time comes, families often find themselves overwhelmed, not only by grief but by the many decisions that need to be made quickly.
Funeral directors witness this every day. They see the stress and confusion that can come when there is no plan in place and the peace of mind that comes with thoughtful preparation.
After consulting funeral directors nationwide, the National Funeral Directors Association (NFDA) uncovered five things they wish families knew before a death occurs.
- It’s Never Too Early to Start Planning
While everyone knows death and taxes are inevitable, conversations about death are often avoided.
Simply documenting your wishes and discussing your preferences with your family can alleviate the difficult decisions your loved ones will have to make in the future. Speak with a funeral director to explore the many options for planning a meaningful funeral.
- Legal and Financial Details Can Cause Unexpected Issues
Families often don’t realize power of attorney ends at death, meaning a designated person can no longer make decisions or access bank accounts once an individual dies.
To avoid complications, consider adding a trusted loved one to your bank account and ensure life insurance beneficiaries are up to date. Too often, deceased individuals leave minor children, deceased spouses or former partners as beneficiaries, leading to legal and financial challenges.
- Final Wishes Shouldn’t Be In Your Will
Many people believe the best place to document their final wishes is in their will. However, wills are often not read until after funeral services take place, making them an unreliable way to communicate last requests. Instead, discuss and document your wishes with family members or a trusted funeral professional who can keep your wishes on file until there is a need.
- There Are a Variety of Memorialization Options
End-of-life planning offers more choices than many realize. While burial remains a common preference, cremation is an increasingly popular choice and can even include a viewing and funeral service. Additionally, eco-friendly options, such as alkaline hydrolysis, natural burial and natural organic reduction are becoming more widely available for those seeking green memorialization. In fact, according to NFDA’s 2024 Consumer Awareness and Preferences Study, 68% of respondents expressed interest in green funeral options.
Exploring these possibilities with a funeral professional can help ensure your final arrangements reflect your values, traditions and personal wishes.
- Funeral Directors Don’t Just Manage Funerals – They’re Trusted Guides In Honoring Life
Funeral directors play a vital role in helping families create meaningful services that reflect their loved one’s life, values and traditions. Whether planning ahead or facing a recent loss, funeral professionals provide expertise, compassionate care and personalized guidance during one of life’s most difficult moments.
Choosing the right funeral director is an important decision and finding someone who understands your needs can make all the difference in honoring your loved one in a personal and meaningful way.
Start the conversation today by talking about end-of-life planning. It isn’t easy, but it’s one of the most important conversations you can have with your loved ones. A little planning today can make a world of difference tomorrow.
Use comprehensive resources like RememberingALife.com, which is designed to guide families through every stage of the journey, including planning, funeral options and grief resources. The site offers valuable tools and support, such as the “Find a Funeral Home” tool to connect families with compassionate, local funeral directors and much more.
Photo courtesy of Shutterstock
Live Better
Gear up for grilling season

(Family Features) As the days get longer and the temperatures rise, it’s time to fire up the grill and elevate your outdoor cooking game. Whether you’re a seasoned grill master or just starting out, success comes down to three essentials: quality ingredients, the right seasonings and reliable equipment that gives you full control over heat and timing.
If you’re ready to turn up the heat this season, explore high-performance grilling solutions from Nexgrill – built to match every cooking style and skill level. From backyard barbecues to weeknight dinners under the open sky, its lineup is designed to help you serve up unforgettable flavors all season long. Visit nexgrill.com to learn more and get inspired.

Unlock a New Level of Outdoor Cooking Versatility
Transform your backyard into a chef-inspired kitchen with the Gourmet Pro 6-Burner Stainless Steel Gas Grill featuring the Griddle Max Cooking System. Designed to go beyond traditional grilling, this powerhouse lets you grill, saute, griddle and smoke all at once or on demand. The innovative system makes it easy to achieve restaurant-quality results, delivering unmatched versatility for any meal. Built with stainless steel burners, angled flame tamers and porcelain-coated cast-iron cooking grids, it ensures consistent heat and fewer flare-ups. With 811 square inches of cooking space, six main burners and a high-heat searing side burner, you’ll get 75,000 BTU of total cooking power.

Take on Breakfast, Lunch and Dinner
From sizzling fajitas at your backyard bash to early-morning pancakes before your next adventure, the Daytona 4-Burner Propane Gas Griddle delivers the heat, flavor and performance you need. Designed for versatility, this powerhouse features a 792-square-inch cooktop and four stainless steel burners, giving you the space and control to cook multiple dishes at once. Built-in convenience comes standard with dual side shelves, a lower storage rack to keep tools within reach and a removable grease cup for quick and easy cleanup. When it’s time to pack it in, a heavy-duty lid protects your cooking surface.

From Kitchen to Patio, It Goes Where You Go
Grilling isn’t just for the backyard. When weather or space keeps you inside, the Fuse 22-inch Electric Griddle delivers bold, flame-free cooking anywhere there’s an outlet. Ultralightweight and easy to transport, it’s built for seamless indoor-outdoor use. With 308 square inches of edge-to-edge heat, a durable nonstick surface and digital temperature control, this electric flattop offers precision and power. A hinged lid with a built-in viewing window locks in heat and flavor so you can cook efficiently. From weekday breakfasts in the kitchen to weekend feasts on the patio, it can be your all-access pass to delicious, flexible cooking – wherever life takes you.
SOURCE:
Nexgrill
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