HEALTHY LIVING

Medicare open enrollment ends Dec. 7: Comparing coverage options

Published

8 months ago

11/22/2023

(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

HEALTHY LIVING

5 travel tips for people with diabetes

Published

3 days ago

07/24/2024

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(Family Features) Be it a short weekend trip to an epic destination or a longer trip to a dream spot, 212 million American adults are planning much-deserved vacations, according to The Vacationer’s Summer Travel Survey 2024. However, one thing travelers living with type 1 diabetes can’t leave behind: their diabetes.

This is why many frequent travelers living with type 1 diabetes like Nicky Williams, a full-time student who loves documenting travel on her blog, are always prepared by having a checklist when she travels. This checklist helps those like Williams carefully manage type 1 diabetes and allows them to manage the unexpected.

“I was born with a sense of wanderlust,” Williams said. “However, 14 years ago, my ability to travel was challenged when I was diagnosed with type 1 diabetes. Thanks to my diabetes tech, my love for travel and my passion for trying different foods around the world is as strong as ever. When I travel, I’m less stressed^‡ when enjoying new cultures and foods where I might not get the carb count just right. I let my MiniMed 780G system do what it does best and account for the unexpected so I can truly immerse myself in the experience instead of my diabetes.”

If you’re planning a trip this summer and looking for a better way to manage your diabetes, consider these tips:

Talk to Your Health Care Provider
Discuss your current treatment plan and any concerns you have. Talk about adjustments you may need to make, depending on where you’re going, what you’ll be doing and how your diet may be affected. Also be sure to get a current letter stating you have diabetes and any special information regarding your needs that you can provide in the event of an emergency.

Pack Your Supplies
Put your diabetes supplies in a carry-on bag and pack twice as much insulin as you think you’ll need. Consider packing insulin with a gel ice pack, which is less likely to get flagged by luggage scanners. With a solution like the Medtronic Extended infusion set, travelers with diabetes have the option for an extended wear duration of up to seven days, leaving more space for packing other items.

Navigate the Airport
Traveling with a medical device or supplies can be a nerve-wracking experience, especially if flying to your destination. Upon arriving at the security screening, notify security officers of any equipment in your carry-on or attached to your body. While you will not be required to remove an attached device, you may be subject to additional screenings, including a visual inspection, self-pat down and other trace testing of the device and supplies.

Research Pharmacies
Look into where you can access additional supplies if you run low, your luggage gets misplaced, or some other unforeseen event affects your insulin or other supplies. Verify whether the pharmacy accepts your insurance and the types of supplies you might need. You may even want to call ahead to get your information entered in their system so they’re able to help you more efficiently if an urgent need arises. If something happens to your insulin pump, know your options for getting a replacement or loaner while traveling.

Safeguard Your Routine
Mealtimes are consistently cited as one of the most difficult aspects of diabetes management and the change of pace that comes with travel and excursions can disrupt your routine. An automated insulin delivery system can help alleviate that stress for those times when you forget to plan ahead. An option such as the MiniMed 780G system has your back if you occasionally forget or miscalculate a dose.^† The system’s world-class algorithm measures sugar levels every 5 minutes, assessing if a meal has been eaten and giving automatic corrections and adjustments to insulin. With some of the manual work being taken on by the system, traveling becomes a more seamless experience, allowing you to enjoy your favorite foods, relax and revel in your vacation.

To learn more about managing diabetes on the road, visit medtronicdiabetes.com/TravelTips.

‡ Refers to SmartGuard™ feature. Individual results may vary.
† Taking a bolus 15-20 minutes before a meal helps to keep blood sugar levels under control after eating.

Important safety information: MiniMed™ 780G system with SmartGuard™ technology with Guardian™ 4 sensor

The MiniMed™ 780G system is intended for continuous delivery of basal insulin at selectable rates, and the administration of insulin boluses at selectable amounts for the management of type 1 diabetes mellitus in persons seven years of age and older requiring insulin as well as for the continuous monitoring and trending of glucose levels in the fluid under the skin. The MiniMed™ 780G system includes SmartGuard™ technology, which can be programmed to automatically adjust insulin delivery based on the continuous glucose monitoring (CGM) sensor glucose values and can suspend delivery of insulin when the sensor glucose (SG) value falls below or is predicted to fall below predefined threshold values.

The Medtronic MiniMed™ 780G system consists of the following devices: MiniMed™ 780G insulin pump, the Guardian™ 4 transmitter, the Guardian™ 4 sensor, One-press serter, the Accu-Chek™ Guide Link blood glucose meter, and the Accu-Chek™ Guide test strips. The system requires a prescription from a healthcare professional.

The Guardian™ 4 sensor is intended for use with the MiniMed™ 780G system and the Guardian 4 transmitter to monitor glucose levels for the management of diabetes. The sensor is intended for single use and requires a prescription. The Guardian™ 4 sensor is indicated for up to seven days of continuous use.

The Guardian™ 4 sensor is not intended to be used directly to make therapy adjustments while the MiniMed™ 780G is operating in manual mode. All therapy adjustments in manual mode should be based on measurements obtained using a blood glucose meter and not on values provided by the Guardian™ 4 sensor. The Guardian™ 4 sensor has been studied and is approved for use in patients ages 7 years and older and in the arm insertion site only. Do not use the Guardian™ 4 sensor in the abdomen or other body sites including the buttocks, due to unknown or different performance that could result in hypoglycemia or hyperglycemia.

WARNING: Do not use the SmartGuard™ feature for people who require less than 8 units or more than 250 units of total daily insulin per day. A total daily dose of at least 8 units, but no more than 250 units, is required to operate in the SmartGuard™ feature.

WARNING: Do not use the MiniMed™ 780G system until appropriate training has been received from a healthcare professional. Training is essential to ensure the safe use of the MiniMed™ 780G system.

WARNING: Do not use SG values to make treatment decisions, including delivering a bolus, while the pump is in Manual Mode. When the SmartGuard™ feature is active and you are no longer in Manual Mode, the pump uses an SG value, when available, to calculate a bolus amount. However, if your symptoms do not match the SG value, use a BG meter to confirm the SG value. Failure to confirm glucose levels when your symptoms do not match the SG value can result in the infusion of too much or too little insulin, which may cause hypoglycemia or hyperglycemia.

Pump therapy is not recommended for people whose vision or hearing does not allow for the recognition of pump signals, alerts, or alarms. The safety of the MiniMed™ 780G system has not been studied in pregnant women, persons with type 2 diabetes, or in persons using other anti-hyperglycemic therapies that do not include insulin. For complete details of the system, including product and important safety information such as indications, contraindications, warnings and precautions associated with system and its components, please consult https://www.medtronicdiabetes.com/important-safety-information#minimed-780g and the appropriate user guide at https://www.medtronicdiabetes.com/download-library

Rx Only. Subcut admin of insulin only. NOT for IV or blood products. Infection/irritation risk possible. Follow directions and replace as indicated. See https://bit.ly/infusionsetsafety

Abbreviated+: Rx Only. Subcut admin of insulin only. NOT for IV or blood products. See https://bit.ly/infusionsetsafety

The content and all information provided is for your informational use only and is not intended to be a substitute for professional medical advice, diagnosis, or treatment in any manner. Responses to a treatment may vary from patient to patient. Always talk with your physician about diagnosis and treatment information and ensure that you understand and carefully follow that information.

SOURCE:
Medtronic

HEALTHY LIVING

Combat the epidemic of loneliness by eating together

Published

1 week ago

07/17/2024

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(Family Features) According to the U.S. Surgeon General, Americans face a lack of social connection that poses a significant risk to individual health and longevity. “Loneliness and social isolation increase the risk for premature death by 26% and 29%, respectively. More broadly, lacking social connection can increase the risk for premature death as much as smoking up to 15 cigarettes a day,” per the report.

One way to address this epidemic of loneliness is by sharing a meal with friends and family. Learn five of the specific advantages of family meals identified by the Family Meals Movement and take advantage of these benefits during National Family Meals Month this September by sharing one more meal together each week.

Meals Together Foster Togetherness and Connectedness
Staying connected can be hard when schedules conflict and life gets busy, but shared meals with friends, family or however you define your family can be the glue that holds people together. Studies demonstrate a positive relationship between family meal frequency and measures of family functioning, which is defined as family connectedness, communication, expressiveness and problem-solving. The key is for family members to engage in conversation with one another during mealtimes and take advantage of the one-on-one time without distractions or interruptions from smartphones or other devices.

Meals Together Strengthen Mental Health
An often overlooked benefit of family meals is mental health support. Multiple studies show family meals have long been associated with improving mental health, including reducing symptoms of depression, decreasing violent behavior and lessening thoughts of suicide among youth. Among adolescents, frequent family meals can help mitigate the risks of destructive behaviors by boosting prosocial behaviors and life satisfaction. Data from the FMI Foundation’s “Staying Strong with Family Meals” Barometer shows family meals also help restore a sense of peace, with one-third of survey respondents saying family meals make them feel calm. In short, family meals are a recipe for strengthening emotional well-being among children and adolescents.

Meals Together Improve Nutrition
There is one easy way to help ensure your family is eating fruits and vegetables: a family meal. Research shows family meals improve fruit and vegetable consumption. It also pays to start this trend early, with research finding preschool-aged children who eat frequent family meals are more likely to eat more fruits and vegetables. Overall, researchindicates families who eat together frequently have a better overall healthy diet and lower body mass index.

Meals Together Improve Academic Performance
Helping students’ academic performance begins around the family dinner table. Eating more meals together as a family is associated with improved overall adolescent health, including higher grades. Multiple studies show students whose families eat together frequently perform better academically in areas such as reading and vocabulary. Research also supports a correlation between frequent family meals lowering incidents of risky and harmful behaviors, including drug and alcohol abuse, which may also contribute to school performance.

Meals Together Teach Civility
The family dinner table is a perfect place to show younger generations how to communicate respectfully, according to the Family Meals Barometer summary. In fact, 76% of survey participants agreed family meals are a good opportunity to have and teach respectful interactions while 70% said frequent family meals create a safe environment for families to discuss thornier societal issues. Another 68% affirmed their belief that sitting at a meal together tends to keep conversations more civil.

Learn more about the physical, mental and social benefits of family meals at familymealsmovement.org and follow #familymealsmonth and #familymealsmovement on social media.

Photo courtesy of Shutterstock

SOURCE:
FMI Foundation

HEALTHY LIVING

Everyday Ways to Nurture Your Skin This Summer: 4 simple habits to support healthy skin

Published

2 weeks ago

07/10/2024

bowienews

(Family Features) Good skin care doesn’t have to mean intensive routines or expensive moisturizers – it can be as easy as adopting everyday habits that nurture your skin from the inside out. Keeping your skin healthy and glowing begins with protecting it from harmful ultraviolet (UV) rays and eating and drinking healthy foods and beverages.

With an important role in maintaining overall well-being, it’s reassuring to know skin health may be supported with healthy, everyday foods including fresh, juicy grapes. In fact, emerging research suggests consuming grapes may help protect healthy skin even when exposed to UV light, which is known to be damaging. A study published in the journal “Antioxidants,” in which people consumed 2 1/4 cups of grapes every day for two weeks, showed increased resistance to sunburn and reduced markers of UV damage at the cellular level.

This study reinforced previous and similar findings published in the “Journal of the American Academy of Dermatology.” Grapes are also a hydrating food with 82% water content; hydration is essential to healthy skin.

Consider these everyday ways you can protect your skin.

Keep the Sun at Bay
Protecting skin from the sun is crucial. A lifetime of sun exposure can lead to wrinkles, age spots and other health problems, including an increased risk of skin cancer. When you’re out enjoying some sunshine, generously apply sunscreen of at least 30 SPF every 1-2 hours. Covering skin with lightweight, long-sleeve shirts, wide-brimmed hats and other sun-protective clothing can also help block UV rays. Another heat-wave hack: Take to the shade during the hottest parts of the day, usually from 10 a.m. to 4 p.m., to avoid the sun’s rays when they’re at their strongest.

Fill Your Plate with Healthy Foods
Nutritious foods, including fruits and vegetables, can play an important role in achieving an overall balanced diet with adequate hydration. Enjoying the goodness of fresh or frozen Grapes from California can provide extra hydration and a boost of beneficial antioxidants and other polyphenols that help protect the health and function of the body’s cells, including those in the skin.

Stay Hydrated
Drink water throughout the day, and for added flavor, infuse with hydrating fruits like fresh, juicy grapes. For a cool, hydrating snack, try freezing grapes: simply rinse, pat dry, remove from the stems and freeze for 2 hours in a single layer on a sheet pan for flavorful ice cube replacements.

For an easy, refreshing way to add grapes to your menu and stay hydrated on warm days, try these Frozen Grape Lemonade Ice Pops for a sweet, delicious dessert the entire family can enjoy.

Fight Back Against Stress
Stress can negatively impact skin in a variety of ways, including making it more sensitive or reactive. Be mindful of the effects stress can have on your skin and practice stress-relieving techniques like getting enough sleep, exercise and perhaps exploring meditation, deep breathing or yoga.

Visit GrapesFromCalifornia.com for more delicious recipes and information on grapes and health.