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La Inscripción Abierta de Medicare Finaliza el 7 De Diciembre

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Medicare

Comparar opciones de cobertura podría ahorrarle dinero

(Family Features) Si usted está inscrito en Medicare, es importante recordar que la Inscripción Abierta de Medicare es del 15 de octubre al 7 de diciembre de cada año. Este es el momento para que las personas con Medicare comparen sus opciones de medicamentos recetados y de cobertura médica para el próximo año.

Es importante comparar sus opciones ya que los planes pueden cambiar cada año- su elección actual puede estar cambiando. Sus necesidades de salud también pueden cambiar. Al comparar todas las opciones, usted podría ahorrar dinero, encontrar una opción de cobertura que se adapte mejor a sus necesidades, o ambas cosas. Al revisar y comparar la cobertura, las personas pueden ver si hay mejores opciones basadas en cambios a su plan actual, presupuesto personal y necesidades de salud.

Novedades Del 2025
La nueva ley de medicamentos recetados baja el costo a pagar (de bolsillo) para medicamentos recetados.

Lo nuevo en 2025 es que todos los planes de Medicare incluirán un límite anual de $2,000 (dos mil dólares) a pagar de su bolsillo para medicamentos recetados bajo la Parte D de Medicare. El límite solo aplica a los medicamentos cubiertos por su plan, por esta razón es más importante que nunca revisar los planes en detalle para asegurarse de que sus medicamentos recetados estén cubiertos. Esto significa que usted no pagará más de $2,000 en el 2025 para medicamentos recetados cubiertos bajo los medicamentos cubiertos por Medicare, incluyendo medicamentos recetados de alto costo para tratar el cáncer, enfermedades crónicas y más.

Esto se suma a las mejoras actuales de la ley de medicamentos recetados, incluyendo el límite de $35 para el suministro mensual de cada producto de insulina– y sin costos de bolsillo para las vacunas recomendadas por la Parde D, incluyendo la vacuna de la culebrilla.

También comenzando en 2025, usted podrá elegir distribuir sus gastos de bolsillo para medicamentos a lo largo del año calendario en lugar de pagarlos de una sola vez en la farmacia. Esto se llama Plan de Pago Para Recetas Médicas de Medicare (conocido en inglés como “Medicare Prescription Payment Plan”). Usted puede inscribirse con su plan por adelantado antes del 1ro de enero y durante todo el 2025.

Cómo Comparar Opciones de Cobertura Médica y de Medicamentos Recetados
La fuente oficial de información sobre Medicare y la Inscripción Abierta es es.Medicare.gov. Comience en es.Medicare.gov para obtener información imparcial y encontrar el tipo de cobertura que mejor se adapte a sus necesidades. Comparar opciones de cobertura médica y de medicamentos recetados es fácil en es.Medicare.gov. Puede comenzar seleccionando la opción de “Buscar Planes”. Luego, ingrese su código postal, los medicamentos recetados y sus farmacias favoritas. Usted puede realizar una comparación viendo lado a lado el costo total de todos los planes en su área, incluyendo la prima mensual (en inglés “monthly premium”) y cuánto pagará por sus medicamentos recetados. Usted también podrá ver qué planes cubren sus medicamentos recetados y si hay planes que le ofrezcan beneficios adicionales. Si usted está satisfecho con su elección actual, no tendrá que hacer nada. Si usted elige una nueva opción para 2025, podrá inscribirse en es.Medicare.gov.

Antes de inscribirse en un plan, considere lo siguiente:

  • Verifique si sus proveedores de atención médica están en la red de un plan.
  • Verifique si sus medicinas recetadas están incluidas en el formulario de un plan y si el plan trabaja con su farmacia.
  • Revise el costo estimado del plan para usted, incluyendo los deducibles y otros costos de bolsillo. Recuerde que las primas mensuales bajas no siempre pueden ser la mejor opción para sus necesidades específicas.
  • Verifique si los planes Medicare Advantage ofrecen beneficios adicionales como cobertura de visión, audición o dental, si necesita estos servicios.
  • Recuerde que es posible que necesite una autorización previa del plan antes de que le cubran algunos servicios o suministros.
  • Consulte el número de estrellas de su plan para ver su desempeño de calidad, servicio al cliente y más.

Medicare Puede Ayudar

Para comparar opciones y encontrar la mejor cobertura que se ajuste a sus necesidades:

  • Visite es.Medicare.gov y realice comparaciones lado a lado de costos y cobertura.
  • Llame al 1-800-MEDICARE. La ayuda está disponible las 24 horas del día, incluidos los fines de semana.
  • Acceda a asesoramiento personalizado sobre seguros médicos en su comunidad sin costo, disponible en su Programa Estatal de Asistencia sobre Seguros Médicos (State Health Insurance Assistance Program, SHIP por sus siglas en inglés). Visite shiphelp.org (enlace en inglés) o llame al 1-800-MEDICARE para ver los sitios cerca de usted.

Subsidio Por Bajos Ingresos
Si tiene dificultades con los costos de los medicamentos recetados, Ayuda Adicional es un programa de Medicare que puede ayudarlo a pagar la prima mensual (en inglés monthly premium), los deducibles, el coseguro y otros costos. Si gana menos de $23,000 al año ($31,000 para parejas casadas), vale la pena solicitar. Aquellas personas que califiquen para el programa de Ayuda Adicional generalmente no pagarán más de $4.50 por cada medicamento genérico y $11.20 por cada medicamento de marca. Visite ssa.gov/AyudaAdicional.

Información proporcionada por el Departamento de Salud y Servicios Humanos de los Estados Unidos

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Fotos cortesía de Shutterstock


SOURCE:
Centers for Medicare & Medicaid Services

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health and wellness

How to Discuss Vaccination with Family and Friends

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Vaccination

Discussing Vaccination

(Family Features) During the fall and winter months, respiratory infections such as flu, COVID-19 and RSV can surge. People who are vaccinated lower their risk of getting seriously ill and needing medical care if they get infected. About 70% of adults in the United States said they probably or definitely will get a flu shot, and more than 50% said they probably or definitely will get an updated COVID-19 vaccine. While many people are ready to get this season’s vaccines, others might still have questions.

“It is normal for people to have questions about vaccines,” said Peter Marks, MD, PhD, director of the U.S. Food and Drug Administration’s Center for Biologics Evaluation and Research, which oversees and reviews vaccine clinical trials. “It’s important for everyone to know that all vaccines go through extensive testing before they are approved and that following approval, they are carefully monitored to identify any safety concerns so that they can be addressed quickly. Hundreds of thousands of volunteers have taken part in respiratory vaccine trials. The results tell us that these vaccines are safe and effective in preventing severe disease caused by flu, COVID-19 and RSV.”

Here are some ways to talk about the importance of this season’s vaccines with a family member or friend who is unsure about getting vaccinated.

Hear them out.When talking about vaccination, it’s important to make others feel heard. There are many reasons why people may have questions and concerns about vaccines or even the health care system in general. Listen to their thinking and try not to judge. They want to know their thoughts and feelings matter.

Focus on the facts. Instead of calling out vaccine myths, focus on vaccine truths. Concentrating on myths can cause them to become the topic of your conversation. Instead, speak about the benefits of vaccines. For instance, you can mention vaccines cut your risk of being hospitalized for flu or COVID-19 by about half.

Ask if they need help getting vaccinated. Sometimes, people just need some help to find, schedule and get a vaccination. You can help them find a vaccine location at Vaccines.gov. They may also need help finding child care or figuring out whether they can take time off from work. Offering a ride or accompanying them can also be helpful, especially if the closest vaccination site is far away. If English is not their primary language, offer to help them schedule the appointment and arrange for a medical translator if needed. When it’s easier to get vaccinated, people are more likely to take this important step to help protect their health.

Having open, honest and supportive conversations about vaccines with family members and friends can make all the difference. For more information, visit cdc.gov/RiskLessDoMoreor talk to your doctor.

Flu, COVID-19 and RSV Vaccines Help People Risk Less Severe Illness and Do More of What They Enjoy
This season’s vaccines are now available. Everyone 6 months and older should get an updated flu and COVID-19 vaccine. Everyone ages 75 and older, or 60 and older with certain health conditions such as such as heart disease, lung disease, obesity or diabetes, should get an RSV vaccine if they have not been vaccinated for RSV before.

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For certain people, the risk of serious respiratory illness remains high. These include adults ages 65 and older, residents of long-term care facilities, pregnant people, people with certain health conditions and those living in rural areas. People in some racial and ethnic groups, including people who are Black or Hispanic, are also at higher risk. People who are not up to date on flu, COVID-19 and RSV vaccines can reduce their risk by getting their 2024-25 vaccines as soon as they can.

To get started, visit Vaccines.gov.

Photos courtesy of Shutterstock


SOURCE:
United States Department of Health and Human Services

Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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Lifestyle

Women are at a higher risk of dying from heart disease − in part because doctors don’t take major sex and gender differences into account

Heart disease impacts women differently than men due to genetic and gender biases in healthcare. Awareness and improved treatment approaches are essential for better outcomes.

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Heart disease
Rates of heart disease and cardiac events in women are often underestimated. eternalcreative/iStock via Getty Images

Amy Huebschmann, University of Colorado Anschutz Medical Campus and Judith Regensteiner, University of Colorado Anschutz Medical Campus

A simple difference in the genetic code – two X chromosomes versus one X chromosome and one Y chromosome – can lead to major differences in heart disease. It turns out that these genetic differences influence more than just sex organs and sex assigned at birth – they fundamentally alter the way cardiovascular disease develops and presents.

While sex influences the mechanisms behind how cardiovascular disease develops, gender plays a role in how healthcare providers recognize and manage it. Sex refers to biological characteristics such as genetics, hormones, anatomy and physiology, while gender refers to social, psychological, and cultural constructs. Women are more likely to die after a first heart attack or stroke than men. Women are also more likely to have additional or different heart attack symptoms that go beyond chest pain, such as nausea, jaw pain, dizziness and fatigue. It is often difficult to fully disentangle the influences of sex on cardiovascular disease outcomes versus the influences of gender.

While women who haven’t entered menopause have a lower risk of cardiovascular disease than men, their cardiovascular risk accelerates dramatically after menopause. In addition, if a woman has Type 2 diabetes, her risk of heart attack accelerates to be equivalent to that of men, even if the woman with diabetes has not yet gone through menopause. Further data is needed to better understand differences in cardiovascular disease risk among nonbinary and transgender patients.

Despite these differences, one key thing is the same: Heart attack, stroke and other forms of cardiovascular disease are the leading cause of death for all people, regardless of sex or gender.

We are researchers who study women’s health and the way cardiovascular disease develops and presents differently in women and men. Our work has identified a crucial need to update medical guidelines with more sex-specific approaches to diagnosis and treatment in order to improve health outcomes for all.

Gender differences in heart disease

The reasons behind sex and gender differences in cardiovascular disease are not completely known. Nor are the distinct biological effects of sex, such as hormonal and genetic factors, versus gender, such as social, cultural and psychological factors, clearly differentiated.

What researchers do know is that the accumulated evidence of what good heart care should look like for women compared with men has as many holes in it as Swiss cheese. Medical evidence for treating cardiovascular disease often comes from trials that excluded women, since women for the most part weren’t included in scientific research until the NIH Revitalization Act of 1993. For example, current guidelines to treat cardiovascular risk factors such as high blood pressure are based primarily on data from men. This is despite evidence that differences in the way that cardiovascular disease develops leads women to experience cardiovascular disease differently.

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Clinician holding stethoscope against a patient's chest
Gender biases in health care influence the kind of tests and attention that women receive. FG Trade Latin/E+ via Getty Images

In addition to sex differences, implicit gender biases among providers and gendered social norms among patients lead clinicians to underestimate the risk of cardiac events in women compared with men. These biases play a role in why women are more likely than men to die from cardiac events. For example, for patients with symptoms that are borderline for cardiovascular disease, clinicians tend to be more aggressive in ordering artery imaging for men than for women. One study linked this tendency to order less aggressive tests for women partly to a gender bias that men are more open than women to taking risks.

In a study of about 3,000 patients with a recent heart attack, women were less likely than men to think that their heart attack symptoms were due to a heart condition. Additionally, most women do not know that cardiovascular disease is the No. 1 cause of death among women. Overall, women’s misperceptions of their own risk may hold them back from getting a doctor to check out possible symptoms of a heart attack or stroke.

These issues are further exacerbated for women of color. Lack of access to health care and additional challenges drive health disparities among underrepresented racial and ethnic minority populations.

Sex difference in heart disease

Cardiovascular disease physically looks different for women and men, specifically in the plaque buildup on artery walls that contributes to illness.

Women have fewer cholesterol crystals and fewer calcium deposits in their artery plaque than men do. Physiological differences in the smallest blood vessels feeding the heart also play a role in cardiovascular outcomes.

Women are more likely than men to have cardiovascular disease that presents as multiple narrowed arteries that are not fully “clogged,” resulting in chest pain because blood flow can’t ratchet up enough to meet higher oxygen demands with exercise, much like a low-flow showerhead. When chest pain presents in this way, doctors call this condition ischemia and no obstructive coronary arteries. In comparison, men are more likely to have a “clogged” artery in a concentrated area that can be opened up with a stent or with cardiac bypass surgery. Options for multiple narrowed arteries have lagged behind treatment options for typical “clogged” arteries, which puts women at a disadvantage.

In addition, in the early stages of a heart attack, the levels of blood markers that indicate damage to the heart are lower in women than in men. This can lead to more missed diagnoses of coronary artery disease in women compared with men.

The reasons for these differences are not fully clear. Some potential factors include differences in artery plaque composition that make men’s plaque more likely to rupture or burst and women’s plaque more likely to erode. Women also have lower heart mass and smaller arteries than men even after taking body size into consideration.

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Reducing sex disparities

Too often, women with symptoms of cardiovascular disease are sent away from doctor’s offices because of gender biases that “women don’t get heart disease.”

Considering how symptoms of cardiovascular disease vary by sex and gender could help doctors better care for all patients.

One way that the rubber is meeting the road is with regard to better approaches to diagnosing heart attacks for women and men. Specifically, when diagnosing heart attacks, using sex-specific cutoffs for blood tests that measure heart damage – called high-sensitivity troponin tests – can improve their accuracy, decreasing missed diagnoses, or false negatives, in women while also decreasing overdiagnoses, or false positives, in men.

Our research laboratory’s leaders, collaborators and other internationally recognized research colleagues – some of whom partner with our Ludeman Family Center for Women’s Health Research on the University of Colorado Anschutz Medical Campus – will continue this important work to close this gap between the sexes in health care. Research in this field is critical to shine a light on ways clinicians can better address sex-specific symptoms and to bring forward more tailored treatments.

The Biden administration’s recent executive order to advance women’s health research is paving the way for research to go beyond just understanding what causes sex differences in cardiovascular disease. Developing and testing right-sized approaches to care for each patient can help achieve better health for all.

Amy Huebschmann, Professor of Medicine, University of Colorado Anschutz Medical Campus and Judith Regensteiner, Professor of Medicine, University of Colorado Anschutz Medical Campus

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.


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Food and Beverage

5 Habits to Help Maintain Immune Health

To combat cold and flu season, adopt healthy habits like a nutrient-rich diet, prioritize hygiene, stay active, hydrate, and manage stress effectively for immune support.

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(Family Features) Cold and flu season is here. The best way to battle cold and flu season is to prevent coming down with anything at all. While it’s impossible to stay entirely safe from germs, sniffles and coughs, there are a few healthy habits you can incorporate for extra protection this year.

Healthy Habits

Along with the guidance you receive from your health care provider, consider these dietary and lifestyle recommendations to support your immune system naturally.

Commit to a Healthier Diet: Essential for optimizing your immune system, eating a healthy diet consisting of more foods like fruits, vegetables, nuts, seeds, legumes and whole grains is recommended by experts. These foods contain beneficial plant compounds linked to health benefits in humans. Case in point: fresh grapes.

Natural grape compounds, including antioxidants and other polyphenols, may help protect the health and function of cells. At the most basic level, healthy cells are the foundation of good health.

Making simple swaps such as choosing fresh California grapes instead of processed snacks or adding grapes into favorite recipes for a healthy boost are tasty ways to add these beneficial compounds.

Studies suggest some grape compounds may positively influence immune function, including resveratrol and certain flavonoids. Additional studies show adding heart-healthy grapes to your daily diet can help support brain, colon and skin health. Grapes are also a good source of vitamin K, which may help support lung health. Incorporate the health benefits of grapes into your diet with an easy, convenient recipe like Grape and Brussels Sprout Slaw, perfect for eating on its own or pairing with a favorite protein such as grilled chicken breast.

Prioritize Basic Hygiene: Preventive practices can help you avoid germs, protecting yourself and others at the same time. Frequently wash your hands using soap and water, limit contact with others who may be sick and cover your nose and mouth with a tissue or elbow while coughing or sneezing.

Stay Active: Cold and flu season lines up with brisk temperatures, often making it more difficult to get outside for exercise. Find an activity you enjoy like moderate-intensity walking, jogging, biking or playing an aerobic sport. The “Journal of Sport and Health Science” reports exercise can help improve immune response and reduce inflammation, making it a key way to prepare your body to fight back.

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Hydrate, Hydrate, Hydrate: Staying hydrated helps your immune system by keeping the body’s defenses functioning properly. In addition to drinking water, you can increase hydration by eating foods with high water content like grapes, which contain about 82% water.

Manage Stress: You can help control stress – which has a negative impact on overall health and wellness – in a number of ways. Practice deep breathing or meditation, engage in activities and hobbies that bring joy and develop nighttime habits that promote good sleep. If snacking in the evening, choose foods such as grapes that are a natural source of melatonin, a compound which helps regulate sleep cycles. Talk with someone you trust, like a friend, family member or mental health professional, to help relieve stress.

Visit GrapesFromCalifornia.com to find more ways to support your immune health.

Grape and Brussels Sprout Slaw

Servings: 6

  • 1 bag (12 ounces) shredded Brussels sprouts
  • 2/3 cup finely shredded red cabbage
  • 2 cups red Grapes from California, halved lengthwise
  • 1/2 cup finely diced red onion
  • 3 scallions, trimmed and thinly sliced
  • 2 tablespoons rice vinegar
  • 1 1/2 tablespoons honey
  • 1 teaspoon fresh lemon or lime juice
  • 1 teaspoon low-sodium soy sauce
  • 2 tablespoons olive oil
  • 1 tablespoon toasted (dark) sesame oil
  • freshly ground black pepper, to taste
  • 3 tablespoons toasted sesame seeds
  1. In large mixing bowl, combine shredded sprouts, cabbage, grapes, onion and scallions.
  2. In small bowl, whisk vinegar, honey, lemon or lime juice and soy sauce. Drizzle in olive and sesame oils while whisking. Toss well with slaw mixture. Chill 45 minutes to incorporate flavors. Season with pepper and sprinkle sesame seeds on top.

Nutritional information per serving: 170 calories; 4 g protein; 22 g carbohydrates; 9 g fat (48% calories from fat); 1.5 g saturated fat (8% calories from saturated fat); 0 mg cholesterol; 60 mg sodium; 4 g fiber.


SOURCE:
California Table Grape Commission

At our core, we at STM Daily News, strive to keep you informed and inspired with the freshest content on all things food and beverage. From mouthwatering recipes to intriguing articles, we’re here to satisfy your appetite for culinary knowledge.

Visit our Food & Drink section to get the latest on Foodie News and recipes, offering a delightful blend of culinary inspiration and gastronomic trends to elevate your dining experience.

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