HEALTHY LIVING
Medicare open enrollment ends Dec. 7: Comparing coverage options
(Family Features) If you’re enrolled in Medicare, it’s important to remember Medicare Open Enrollment is open through Dec. 7 each year. It is the time for people with Medicare to compare their prescription drug and health coverage options for the upcoming year.
It is important to compare your options because plans can change every year – even your current choice may be changing. Your health needs can change, too. By comparing all your options, you could save money, find a coverage option better tailored to your needs or both.
How to Compare Prescription Drug and Health Coverage Options
Medicare.gov is the official source for information about Medicare and Open Enrollment. You may see enrollment information from various insurance companies and other sources. Start at Medicare.gov to get unbiased information to find the type of coverage that best meets your needs.
Comparing prescription drug and health coverage options is easy at Medicare.gov. You can input the list of medications you are taking and conduct a side-by-side comparison of plan coverage, costs and quality ratings. If you are happy with your current choice, you don’t have to do anything. If you choose a new option for 2024, you can enroll right there.
Before you enroll in a plan, consider the following:
- Check if your health care providers are in a plan’s network.
- Check if your prescriptions are included on a plan’s formulary and if the plan works with your pharmacy.
- Check the plan’s Star Rating on Medicare.gov to see how it performs on quality, customer service and more.
- Remember low monthly premiums may not always be the best overall value for your specific needs.
- Review a plan’s estimated total costs to you, including deductible and other out-of-pocket costs.
- Check if Medicare Advantage plans offer extra benefits, like vision, hearing or dental coverage, if you need these services.
- Remember that you may need a referral or prior authorization for some services under Medicare Advantage plans.
Vaccine, Insulin and Drug Cost Savings
Improvements to the Medicare program are adding up to savings and improved access to affordable treatments because of the Inflation Reduction Act.
- Insulin: If you have Medicare and take insulin, you’ll pay no more than $35 for a month’s supply of each covered insulin. This includes people who have Medicare drug coverage (Part D) and all Part B covered insulins.
- Vaccines: People with Medicare drug coverage will pay nothing out of pocket for adult vaccines, including the shingles vaccine, that are recommended by Centers for Disease Control and Prevention’s Advisory Committee on Immunization Practices.
- Drug Cost Savings: In 2024, people enrolled in Part D who have very high drug costs will get some relief. Once they reach a certain threshold on paying out-of-pocket costs – what we call the catastrophic phase – they will no longer have additional cost sharing or copays at the pharmacy.
Medicare Can Help
To compare options and find the best coverage to fit your needs:
- Visit Medicare.gov and conduct side-by-side comparisons of costs and coverage.
- Call 1-800-MEDICARE. Help is available 24 hours a day, including weekends.
- Access personalized health insurance counseling in your community at no cost, available from your State Health Insurance Assistance Program (SHIP). Visit shiphelp.org or call 1-800-MEDICARE for locations near you.
Medicare Options
There are two main ways to get Medicare coverage: Original Medicare and Medicare Advantage (Medicare-approved plans from private companies). There are differences between the two that are important to understand when reviewing your coverage options.
- With Original Medicare, you get your health care through Medicare Parts A and B. You can join a separate drug plan to get Medicare drug coverage (also called Part D). And you can see any doctor that takes Medicare anywhere in the U.S.
- Medicare Advantage is an alternative that usually bundles your health and drug coverage all in one plan. Some plans may offer extra benefits that Original Medicare doesn’t cover – like certain vision, hearing and dental services. In many cases, you can only use doctors who are in the plan’s network.
If you are new to Medicare or need to review the ways you can get your Medicare coverage, visit Medicare.gov and click “Get Started with Medicare.”
Extra Help with Prescription Drug Costs
If you are struggling with prescription drug costs, Extra Help is a Medicare program that can help pay for your drug coverage (Part D) premiums, deductibles, coinsurance and other costs. If you make less than $22,000 a year ($30,000 for married couples), it’s worth it to apply. Visit ssa.gov/extrahelp or call the Social Security Administration at 1-800-772-1213 to apply. The program will expand to cover more drug costs for people with limited resources in 2024. People who qualify for Extra Help generally will pay no more than $4.50 for each generic drug and $11.20 for each brand-name drug.
Information provided by the U.S. Department of Health & Human Services.
Photos courtesy of Getty Images
SOURCE:
Centers for Medicare & Medicaid Services
(Family Features) The holidays are coming up, and many people will be celebrating with family and friends. The start of colder months also means flu, COVID-19 and RSV can surge. That can be dangerous for older adults.
“Holidays are a time to gather with family and friends,” said Charlene Wong, MD, MSHP, senior advisor for health strategy at the Centers for Disease Control and Prevention (CDC), “but for older people, this can come with risk of serious respiratory illness. Get your updated flu, COVID-19 and RSV vaccines to reduce your risk and do more together.”
Before heading to holiday gatherings, check out these tips from the Risk Less. Do More. vaccine education campaign. They can help you and your older loved ones enjoy a happy holiday season while lowering the risk of serious illness from flu, COVID-19 and RSV.
Get Vaccinated Against Respiratory Illnesses
Older adults are at higher risk of getting seriously ill, ending up in the hospital or dying from flu, COVID-19 or RSV. Vaccines are the best protection against severe disease from these common respiratory illnesses. The CDC recommends that all adults ages 65 and older get the updated flu and COVID-19 vaccines. An RSV vaccine is also available to help protect older people from severe RSV. It is recommended for all people 75 and older, and for those ages 60-74 with certain health conditions, like heart or lung disease or diabetes, or who live in a nursing home. If you are a caregiver or help an older adult with their medical decisions, encourage them to talk to their doctor about the vaccines that are right for them.
Gather Safely
Respiratory illnesses often thrive in indoor spaces where people are in close contact. If the weather permits, try hosting holiday gatherings outside. When gatherings are inside, think about keeping windows open or using fans for ventilation. If you are going to a large indoor gathering, consider wearing a mask. Washing your hands frequently, or using hand sanitizer, also helps reduce the spread of germs. Encourage your older loved ones to take these precautions as well.
Stay Home If You’re Sick
No one wants to miss out on festivities, but it’s important to stay home if you are not feeling well. Encourage your family and friends to do the same. Remind them about the impact flu, COVID-19 and RSV can have, especially on older adults. If you’re a caregiver of an older adult, monitor any respiratory symptoms that may develop. Testing for flu and COVID-19 can also help inform your plans. All U.S. households can now receive four free COVID tests. Order them for your family and your loved ones at COVIDTests.gov.
For many older people, the fall and winter holidays are an important time to connect with others. Be sure to include vaccinations in your holiday planning. Go to vaccines.gov to get started today.
You can also learn more about flu, COVID-19 and RSV at cdc.gov/RiskLessDoMore or by talking to your doctor about which vaccines are right for you this season.
Photo courtesy of Shutterstock
SOURCE:
United States Department of Health and Human Services
(Family Features) Respiratory viruses are common in the fall and winter months. Flu, COVID-19 and RSV can surge during the cooler weather and keep people from gathering with family and friends. They cause many people to get very sick or even to be hospitalized.
“We know that getting vaccinated is the best defense against severe illness and death caused by flu, COVID-19 and RSV,” said Nirav D. Shah, MD, JD, principal deputy director of the U.S. Centers for Disease Control and Prevention. “Respiratory virus season is here and now is the time to get your updated vaccines so you can focus on what matters most: spending quality time with friends and family.”
Vaccines help people risk less serious illness, so they can do more of what they enjoy. Everyone 6 months old and older should get this season’s flu and COVID-19 vaccines. Adults ages 75 and older, adults 60-74 years old who have certain health conditions and adults age 60 and older who live in nursing homes should get an RSV vaccine if they have never been vaccinated against RSV. Pregnant people should also get an RSV vaccine to protect their babies from severe RSV disease in their first six months.
Getting vaccinated can be easy, and in many cases, it’s free. Here’s what you need to know.
Where Can You Get Vaccinated?
There are many places to get vaccines against flu and COVID-19, as well as RSV if you’re eligible. It’s OK to get all of these vaccines in one visit.
You can get vaccinated at some doctor’s offices, local health centers or most pharmacies. To find pharmacies near you, visit vaccines.gov. Your state or local health department may also be able to tell you where you can get vaccinated in your area.
Are the Vaccines Free?
If you have insurance: If you’re covered by Medicaid, or if you qualify for it, you can get the vaccines at no cost. People with Medicare (Parts B and D) or Medicare Advantage can also get the vaccines for free.
If you have private insurance through your job or your state’s marketplace, most plans fully cover the flu, COVID-19 and RSV vaccines through in-network doctors.
If you are uninsured: If you don’t have health coverage, your state or local health department or a local community health center may offer the flu, COVID-19 and RSV vaccines at no cost. Companies that make these vaccines may also offer them for free or at a lower cost through their patient assistance programs. Look for information on their websites.
To explore insurance options and affordable health plans, visit HealthCare.gov or see if you can get covered through Medicare or your state’s Medicaid program.
Get Vaccinated Now
Vaccines give you the best protection against getting very sick from flu, COVID-19 and RSV. Getting vaccinated soon means you’ll be ready for upcoming winter gatherings.
Visit cdc.gov/RiskLessDoMore to learn more about the flu, COVID-19 and RSV vaccines. Also, you can order free COVID-19 test kits (four per household) at COVIDTests.gov. Talk to your doctor about which vaccines are right for you or visit vaccines.gov to get started today.
Photos courtesy of Shutterstock
SOURCE:
United States Department of Health and Human Services
(Family Features) Four and a half years after the start of the COVID-19 pandemic, people are once again enjoying time with friends and family and doing their favorite things. However, the virus that causes COVID-19 keeps changing, so it’s still important to stay up to date on your vaccinations. Respiratory viruses, including COVID-19, are common during the fall and winter months. That’s why now is a good time to take care of yourself and your loved ones by getting the facts on the updated COVID-19 vaccines.
“As the virus changes, we are learning more and more about how to protect people from COVID-19,” said Namandjé N. Bumpus, Ph.D., principal deputy commissioner at the U.S. Food and Drug Administration (FDA). “Getting the latest COVID-19 vaccine means your protection is as up to date as possible.”
Here is information about this season’s COVID-19 vaccines from the Risk Less. Do More. public education campaign:
Vaccines are the best way to protect yourself and your loved ones from COVID-19. Getting vaccinated against COVID-19 lowers your chances of getting very sick or being hospitalized. Some people who get the vaccines still get sick, but vaccination can make symptoms milder. This is important if you are over age 65 or have certain health conditions. Both can put you at a higher risk for serious or long-lasting health problems, such as Long COVID or even death from COVID-19. If you do get COVID-19, ask your doctor about treatment options to reduce your risk of severe illness.
COVID-19 vaccines are regularly updated to keep up with the changing virus. The COVID-19 vaccines are updated based on the latest variants of the virus. The updated vaccines offer the best protection against the changing virus that causes COVID-19. Getting the latest vaccine boosts your immunity and lowers your risk of severe sickness.
Side effects for COVID-19 vaccines are usually mild and go away on their own in a few days. The most common side effects are soreness or redness at the injection site, headache or body aches, or fever. Severe side effects like anaphylaxis are rare, with about five adverse events per 1 million doses given.
Staying informed and getting this season’s COVID-19 vaccine – and encouraging loved ones to do the same – is one of the best things you can do to protect yourself and others this fall and winter. Knowing the facts about COVID-19 vaccinations can give you peace of mind and support a safer, healthier future for all. For more information, visit cdc.gov/RiskLessDoMore or talk to your doctor.
If you think you have COVID-19, testing can help. All U.S. households are now eligible to receive four free COVID-19 test kits. Order them today at COVIDTests.gov.
The Impact of COVID-19 In Black and Hispanic Communities
For the first two years of the COVID-19 pandemic, people in Black and Hispanic communities were consistently more likely to get COVID-19, need medical or hospital care, and die from COVID-19 than people in other communities. That gap has narrowed over time, but this past summer, Black people were still more likely to be hospitalized for COVID-19 compared to the average across all races and ethnicities combined. Hispanic people had lower than average rates of hospitalization. For everyone, getting the latest COVID-19 vaccine offers the best protection against severe disease and hospitalization.
Photos courtesy of Shutterstock
SOURCE:
United States Department of Health and Human Services
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