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

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

Published

6 days ago

07/10/2024

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(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.

Frozen Grape Lemonade Ice Pops

Yield: 8 ice pops

2 cups halved California Grapes
1 1/3 cups lemonade

Fill eight 3-ounce ice pop molds with halved grapes.
Pour in lemonade to just cover fruit. Insert ice pop stick handles.
Freeze at least 3 hours until frozen.

SOURCE:
California Table Grape Commission

HEALTHY LIVING

Stay safe, healthy during and after emergencies

Published

2 weeks ago

07/03/2024

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4 tips to prepare for natural disasters that can negatively impact physical and mental health

(Family Features) As you’re making your emergency preparedness checklist, it’s also important to protect your heart and overall health in the wake of a hurricane, tornado or other natural disaster.

The experts at the National Oceanic and Atmospheric Administration predict an above-average Atlantic Ocean hurricane season for the seventh year in a row. Research shows it’s not only physical devastation that impacts the health and safety of people in the path of a natural disaster.

In fact, in a study presented at the American Heart Association’s Epidemiology, Prevention, Lifestyle and Cardiometabolic Health 2021 Scientific Sessions, researchers found there were higher rates of high blood pressure, obesity and pre-diabetes among survivors of Hurricane Maria in Puerto Rico in 2017, as well as increased incidences of heart disease and stroke two years after the storm compared to two years prior to the hurricane.

It’s not only hurricanes that can have a negative impact on cardiovascular health. A study published in the journal “Hypertension” found a significant increase in blood pressure levels and the incidence of high blood pressure among people who were forced to evacuate following the Great East Japan Earthquake in 2012.

Gustavo E. Flores, M.D., a member of the American Heart Association’s Emergency Cardiovascular Care committee, said there are several factors that may lead to increased cardiovascular disease and risk after a natural disaster.

“During and after a storm, many people experience extreme stress and trauma, which research shows can lead to an increase in cardiovascular disease risk,” he said. “The impact can be more intense for heart disease and stroke patients. Additionally, in the aftermath of a significant natural disaster, property destruction and evacuations affect many basic support resources. This can make it challenging to see a health care professional for routine check-ups or refill or adjust medications, especially for more vulnerable populations.”

Flores, chairman and chief instructor for Emergency & Critical Care Trainings, LLC, said it’s important for people to be prepared and plan ahead. Consider these quick tips from Flores and the American Heart Association, which is celebrating 100 years of lifesaving service as the world’s leading nonprofit organization focused on heart and brain health for all:

Take time to write down any medical conditions, allergies and medications, including doses and the time you take medications, along with your pharmacy name, address and phone number. Keep the information with any other “go-kit” items you have handy for quick evacuation.
If you need to evacuate, even temporarily, bring your medications and health information with you in a resealable plastic bag to help keep it dry.
If your medication is lost, damaged by water or was left behind when you evacuated, research open pharmacies and seek a refill as quickly as possible. Some states allow pharmacists to make medically necessary exceptions on certain types of prescription refills during an emergency.
Use the Patient Preparedness Plan if you have diabetes and use insulin. There you’ll find a checklist of supplies and guidelines to prepare for an emergency.

Another way to prepare for a possible medical emergency is to learn how to perform hands-only cardiopulmonary resuscitation (CPR) and how to use an automated external defibrillator until help arrives. If performed correctly, CPR can double or triple a person’s chance of survival.

Visit Heart.org for the latest on heart health and the Disaster Resources page for a wide range of helpful information.

Photo courtesy of Shutterstock

SOURCE:
American Heart Association

HEALTHY LIVING

Nurturing the mental health of young children

Published

3 weeks ago

06/26/2024

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(Family Features) The earliest years of children’s lives lay the foundation for their social and emotional well-being, setting the stage for success in school and beyond. For parents, caregivers and educators, it’s crucial to prioritize and nurture the mental health of children in their care.

Dr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, and Dr. Kyle Pruett, clinical professor of child psychiatry at Yale School of Medicine and member of The Goddard School’s Educational Advisory Board, share this insight and guidance to support children’s mental well-being.

Understanding Mental Health in Young Children
Mental health influences how everyone – including young children – thinks, feels and behaves, impacting the ability to cope with stress, build relationships and navigate life.

The development of mental makeup is influenced by both nature (inherited genetic and biological factors) and nurture (environmental factors). Each person is a combination of a unique temperament combined with life experiences, including family, culture and education.

In young children, there is no distinction between mental and physical health. The brain and body are growing and developing rapidly. By 6 months, children can begin to feel overwhelmed by negative experiences. It’s vital to understand that the earliest interactions with children can have lasting social and emotional consequences.

Causes for Concern
When it comes to young children’s mental health, there’s no straight line dividing expected and worrisome behaviors. That line is wiggly and can shift. That said, it’s always concerning when children fall off their developmental tracks.

Infants are expected to partake in “serve and return” activities. They provide signals about how they feel or what they need and caregivers respond to those cues. When those signals stop and the child becomes exceedingly passive, that’s a concern.

Toddler troubles are among the most difficult to diagnose. Many are familiar with the concept of the “terrible twos;” deciphering between developmentally appropriate and worrisome behaviors can be challenging. Signs of concern – especially if they occur constantly – include excessive aggressiveness, a consistent lack of control and screaming instead of talking.

For pre-kindergarteners and kindergarteners, tantrums should be over. They should be interested in making friends and mastering their vocabulary and language. If they aren’t displaying interests or are exhibiting a lack of self-regulation, such as hurting others or animals, seeking help is appropriate.

Seeking Help
If concerns are identified, parents should contact their pediatric care provider. In some cases, they may recommend seeking assistance from a mental health provider, such as a therapist. Selecting the right provider – one with training and experience with working with children – is essential. Lean on your network, including your pediatric care provider, friends and family, to identify the best option.

Supporting Early Social and Emotional Development

Understand your child’s behavior – particularly if they aren’t verbal – is their way of communicating. Narrate what your child is experiencing and label emotions. For example, “I see you’re angry. Can I help you put your shoes on?”
Model social and emotional self-control. For example, “I’m frustrated. I’m going to pause, take deep breaths then tell you what I need.” This gives children coping techniques they can practice themselves.
Be a good example. Model, for instance, how to be a good friend, show respect and use good manners.
Partner with your child’s teachers. There should be two-way dialogue presenting potential concerns.
Don’t rush to diagnose issues. Remember children save their “toxic waste” – big, negative feelings – for their parents because they trust them. Your experiences with your child may be different than others’ experiences. Be cautious to avoid a quick reaction. Work to understand what your child is trying to convey. Seek information from others.
If a child is exhibiting anxious behavior, which is normal when encountering new situations, be present, listen, observe, answer questions, label emotions and provide reassurance. Don’t overreact to fears. Young children are learning to deal with the unknown and, just like learning to ride a bike, it takes time and comfort to develop the skills to manage those emotions.

To watch a webinar featuring Loquasto and Pruett providing additional guidance, and access actionable parenting insights and resources, visit the Parent Resource Center at GoddardSchool.com.

Photos courtesy of Shutterstock

SOURCE:
The Goddard School