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It pays to compare using Medicare’s new plan finder

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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.


SOURCE:
Centers for Medicare & Medicaid Services

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Tips to make your AC more energy efficient, sustainable

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(Family Features) Updating your HVAC (heating, ventilation and air conditioning) system to cool your home in a smart and sustainable way involves several steps that not only improve energy efficiency but also reduce environmental impact.

Consider these tips from the heating and cooling experts at Carrier to help make your cooling system more eco-friendly:

  1. Upgrade to an Energy-Efficient HVAC System. If your HVAC system is outdated, consider replacing it with a more energy-efficient model. Look for systems with an Energy Star or high SEER2 (seasonal energy efficiency ratio) rating, which indicates better energy efficiency. The higher the SEER2 rating, the more efficient the unit. Financial incentives for installing a higher-efficiency system are available through the Inflation Reduction Act of 2022. You can also shop for rebates from manufacturers and utility companies.
     
  2. Look for a Carbon-Free HVAC System. Heat pumps, ductless and VRF (variable refrigerant flow) systems that run on electricity and use low global-warming potential refrigerant, like Carrier’s Puron Advance, can help reduce your home’s negative impact on the environment.
     
  3. Install a Smart Thermostat. A smart thermostat can be programmed based on your preferences and adjust temperatures automatically. These devices can be controlled remotely through smartphones and help reduce energy consumption by cooling your home only when necessary.
     
  4. Conduct Regular Maintenance. Keep your HVAC system running efficiently with regular maintenance. This includes cleaning or replacing air filters every 1-3 months, checking refrigerant levels, cleaning outside condenser coils and ensuring the system’s components are in good, working condition and the airflow is not blocked.
     
  5. Seal and Insulate. Improve your home’s insulation to maintain a consistent temperature. Seal windows, doors and any gaps or cracks to prevent cool air from escaping. This can significantly reduce the workload on your HVAC system.
     
  6. Use Ceiling Fans. Ceiling fans can help circulate cool air throughout your home, allowing you to set the thermostat at a higher temperature without sacrificing comfort, thus saving energy.
     
  7. Add Window Treatments. Use blinds, shades or curtains to block out sunlight and reduce heat gain during the hottest parts of the day. This simple step can make a big difference in how much your air conditioner needs to work.
     
  8. Upgrade to a Variable-Speed Compressor. Traditional compressors operate at full power or not at all. However, a variable-speed compressor can adjust its output to match your cooling needs precisely, resulting in better efficiency, energy savings and improved indoor comfort.
     
  9. Ventilate Properly. Ensure proper ventilation in your home, especially in areas like the kitchen and bathroom, to remove excess heat and humidity, which can reduce the need for air conditioning.
     
  10. Update Roofing. If you’re replacing your roof, consider cool roofing materials that reflect more sunlight and absorb less heat than standard roofing materials, reducing the heat that enters your home.

By implementing these strategies, you can improve or update your HVAC system to cool your home more sustainably. Not only do these steps help the environment, they can also lead to lower energy bills and improved indoor comfort. Always consult with an HVAC professional to determine the best and most efficient options for your home and needs.

Find more information and tips to sustainably cool your home at Carrier.com.


SOURCE:
Carrier

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Steps to get your yard ready for spring

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(Family Features) As the weather begins to warm and days get longer, it’s important to begin preparing your yard for a healthy growing season. While factors like climate, soil type and grass type can all impact how your yard grows, there are a few steps you can take during the spring months to help your lawn thrive.

From dethatching and aerating to fertilizing and mowing, tackling these simple chores can help ensure your yard looks its best and is prepared to fight off seasonal weeds, disease and drought.

Tune Your Mower
Before it’s time for the first mowing of the season, inspect your mower and perform any routine maintenance necessary. That goes beyond sharpening, or replacing, the blade, and includes changing the oil, spark plugs and filter as well as filling with a fresh tank of gas.

Loosen the Thatch Layer
While it’s important to avoid working on your lawn until after the final freeze to avoid damaging the grass, raking your yard with a spring tine rake to loosen thatch – the layer of leaves, roots and dead grass that builds up between live grass and soil – before the first mow is equally important. Be sure to rake when the soil is dry; if it’s too soft or muddy, you may pull up healthy grass crowns.

Combat Compacted Soil
If your soil has become compacted – likely the effect of heavy foot traffic – and is too dense for water, air and other nutrients to reach the roots of your grass, aerating can help break it up and reduce thatch. A core, or plug, aerator can introduce tiny holes into your soil by removing plugs of grass and soil, which lets nutrients more easily reach the roots. An added bonus, the plugs can decompose on top of your grass, supplying more nutrients.

Fill in Bare Spots
If your lawn is looking sparse, overseeding, which involves spreading grass seed over your existing lawn, can help fill in bare spots. Be sure to choose the right type of seed for your climate and soil type to ensure proper growth. Applying a slow-release nitrogen fertilizer at the same time can provide additional nutrients that are important for promoting healthy growth.

Start Seasonal Mowing
When the ground is dry enough and your grass is long enough to require cutting, begin seasonal mowing. Be sure to use proper techniques, including varying your mowing direction each time to avoid creating patterns or ruts, and avoid cutting grass too low, which can make the lawn more susceptible to weeds and drought stress. In general, never remove more than one-third of the grass blade at a time.

Find more tips to help get your yard ready for warm weather at eLivingtoday.com.

Photo courtesy of Unsplash


SOURCE:
eLivingtoday.com

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6 tips to improve sleep quality for overall well-being

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(Family Features) Despite a rising number of people searching for the term “sleep” in 2023, nearly 1 in 3 U.S. adults report not getting enough of it, per the Centers for Disease Control and Prevention.

As a foundation for overall well-being, getting quality sleep is key to achieving goals and being present in daily life. Without it, you’re more likely to lack the stamina and energy to follow through on your ambitions.

To help people realize the foundational role sleep plays in everyday successes, Natrol – a leading sleep, mood and stress supplement brand based on Nielsen data – alongside Dr. Jess Andrade are working together to help people improve their sleep quality and habits so they can conquer their wellness goals this year and beyond.

“From consistent exercise to eating healthy and even daily journaling, it may seem like all your priorities are in order, but without sleep, you won’t be able to reap the full benefits of your hard work,” Andrade said. “Often overlooked, getting quality sleep is a fundamental piece to improving overall wellness and it doesn’t have to be complicated. Creating small, achievable changes in our daily sleep routines can lead to long-lasting lifestyle habits for the better.”

Consider these tips from Andrade to help improve your sleep quality so you can achieve your goals.

1. Prioritize Movement and Light Exposure in the Morning
Whether you’re a yogi or prefer a simple stretch when your feet hit the floor, movement and light during the day can help stimulate quality sleep later that night.

2. Understand Sleep Gains are Just as if Not More Important Than Gym Gains
If you’re focusing on fitness goals, you’ll need adequate sleep to see successful results. If you’re a morning workout warrior, schedule earlier bedtimes to ensure you get the recommended 7-8 hours of sleep. For evening workouts, aim to end your sweat session as early in the evening as possible; too much physical activity before bed can keep you up at night.

3. Make Your Bedroom a Sanctuary
Make your bedroom a sleep sanctuary. Keep the room dark, noise-free and comfortable with the thermostat set at 65-67 F for better sleep conditions.

4. Set Nightly Rituals to Unwind
Create nightly rituals that activate circadian rhythms and allow your body to unwind. Consider activities that relax you the most, like taking a bath, reading a book, journaling or sipping decaffeinated nighttime tea.

5. Try Incorporating a Drug-Free Sleep Aid
If you follow good bedtime habits but still occasionally struggle to fall or stay asleep, try a low-milligram melatonin supplement, like those from Natrol, that are designed to help you get a good night’s sleep so you wake up refreshed and ready to conquer your goals.†

6. Follow the 10-3-2-1-0 method
To help you fall asleep and wake up feeling revitalized, Andrade recommends the 10-3-2-1-0 method: Decrease caffeine intake at least 10 hours before bed. Avoid eating bothersome foods 3 hours prior to heading to off to sleep. Engage in relaxing activities like reading at the 2-hour mark and cut out screentime with 1 hour to spare. Ultimately, these habits can lead to zero times hitting snooze the next morning.

Find more ways to improve sleep habits by visiting Natrol.com.

† These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.


SOURCE:
Natrol

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