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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

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SOURCE:
Centers for Medicare & Medicaid Services

Nuestra sección de estilo de vida en STM Daily News es un centro de inspiración e información práctica, que ofrece una variedad de artículos que tocan varios aspectos de la vida diaria. Desde consejos sobre finanzas familiares hasta guías para mantener la salud y el bienestar, nos esforzamos por empoderar a nuestros lectores con conocimientos y recursos para mejorar sus estilos de vida. Ya sea que esté buscando ideas de actividades al aire libre, tendencias de moda o recomendaciones de viaje, nuestra sección de estilo de vida lo tiene cubierto. Visítanos hoy en https://stmdailynews.com/category/lifestyle/ y embárcate en un viaje de descubrimiento y superación personal


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Lifestyle

The Importance of Regular Immunizations for Heart Health

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 immunizations

(Family Features) While most parents are good at keeping track of vaccines their kids need to stay healthy, many adults don’t realize there are immunizations important for keeping themselves heart-healthy, as well.

Adults, especially those with a history of heart disease or stroke, should take steps to stay up-to-date on preventive vaccines, particularly for the flu and COVID-19.

Influenza – While many experience just a few days of aches and chills, the flu can be deadly for some, including young children, the elderly and those with chronic conditions like heart disease, stroke and diabetes. There has also been research linking flu infection to cardiovascular disease (CVD). Getting a flu shot can not only prevent the flu, it may also reduce the risk of having a heart attack or stroke.

In fact, a study published in “Stroke” found that, among a group of people hospitalized for various reasons, those who experienced a flu-like illness within a month of their hospitalization were 38% more likely to have a stroke. Receiving the flu vaccine within a year prior to hospitalization lowered a person’s stroke risk to 11%.

“Getting an annual flu shot should be part of routine health care for all individuals, especially for people who are already living with chronic health conditions that put them at higher risk for heart attacks or strokes,” said Eduardo Sanchez, M.D., M.P.H., FAHA, American Heart Association chief medical officer for prevention. “The potentially serious complications of the flu are far greater for those with chronic diseases. This is true not just for older people but even those age 50 and younger who have a history of high blood pressure, heart disease or diabetes.”

COVID-19 – At the onset of the pandemic, the American Heart Association established the COVID-19 Cardiovascular Disease Registry, which found people with or at risk for CVD were more likely to become infected with and die from COVID-19. Additionally, the research found many people experience heart and vascular disease after getting COVID-19.

A study from the registry published in “Circulation: Arrhythmia and Electrophysiology” found new-onset atrial fibrillation in 1 in 20 patients hospitalized with COVID-19. Additionally, research also found people hospitalized with COVID-19 had a higher risk of stroke compared with people who had similar infectious conditions such as influenza or sepsis.

“We can’t stress enough the connections between COVID-19 and cardiovascular disease,” Sanchez said. “There is clear evidence that people who have heart and vascular disease and even those with CVD risk factors are more likely to get COVID and to have more severe complications from the virus.”

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Other Immunizations – While flu and COVID-19 vaccines are of the utmost importance, there are a number of other immunizations that can help keep people heart-healthy.

  • The pneumococcal vaccination protects against a common cause of severe pneumonia and is especially important for people 65 and older, and others with certain underlying medical conditions. This type of pneumonia can be deadly, especially for people already at high risk for health complications, including CVD. One shot is usually good for several years, although you may need a second one later depending on your age at your first shot.
  • Shingles, a viral infection caused by the chickenpox virus, has been linked to an increased risk of stroke. More than 99% of people age 40 or older in the United States may carry the dormant chickenpox virus, also known as the varicella-zoster virus, and not even realize it.

Learn more about important immunizations and find other preventive health tips at heart.org.

Photo courtesy of Getty Images

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SOURCE:
American Heart Association

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.

Author

  • Rod Washington

    Rod: A creative force, blending words, images, and flavors. Blogger, writer, filmmaker, and photographer. Cooking enthusiast with a sci-fi vision. Passionate about his upcoming series and dedicated to TNC Network. Partnered with Rebecca Washington for a shared journey of love and art. View all posts


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Lifestyle

Get chronic UTIs? Future treatments may add more bacteria to your bladder to beat back harmful microbes

Researchers developed a biomaterial releasing beneficial E. coli to combat urinary tract infections by outcompeting harmful bacteria, aiming to reduce antibiotic resistance and manage chronic UTIs effectively.

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bacteria
Certain strains of E. coli can outcompete disease-causing microbes for resources. NIAID/Flickr, CC BY-SA

Sarguru Subash, Texas A&M University

Millions of people in the U.S. and around the world suffer from urinary tract infections every year. Some groups are especially prone to chronic UTIs, including women, older adults and some veterans.

These infections are typically treated with antibiotics, but overusing these drugs can make the microbes they target become resistant and reduce the medicines’ effectiveness.

To solve this problem of chronic UTIs and antibiotic resistance, we combined our expertise in microbiology and engineering to create a living material that houses a specific strain of beneficial E. coli. Our research shows that the “good” bacteria released from this biomaterial can compete with “bad” bacteria for nutrients and win, dramatically reducing the number of disease-causing microbes.

With further development, we believe this technique could help manage recurring UTIs that do not respond to antibiotics.

Bringing bacteria to the bladder

For the microbes living in people, nutrients are limited their presence varies between different parts of the body. Bacteria have to compete with other microbes and the host to acquire essential nutrients. By taking up available nutrients, beneficial bacteria can stop or slow the growth of harmful bacteria. When harmful bacteria are starved of important nutrients, they aren’t able to reach high enough numbers to cause disease.

Delivering beneficial bacteria to the bladder to prevent UTIs in challenging, though. For one, these helpful bacteria can naturally colonize only in people who are unable to fully empty their bladder, a condition called urinary retention. Even among these patients, how long these bacteria can colonize their bladders varies widely.

Current methods to deliver bacteria to the bladder are invasive and require repeated catheter insertion. Even when bacteria are successfully released into the bladder, urine will flush out these microbes because they cannot stick to the bladder wall.

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Micrograph of clusters of pink rods scattered across a blue textured wall, while yellow blobs extend thin tendrils across the clumps
This microscopy image shows the bladder of a mouse (blue) covered with E. coli (pink) and the white blood cells (yellow) attacking them. Valerie O’Brien, Matthew Joens, Scott J. Hultgren, James A.J. Fitzpatrick, Washington University, St. Louis/NIH via Flickr, CC BY-NC

Biomaterials to treat UTIs

Since beneficial bacteria cannot attach to and survive in the bladder for long, we developed a biomaterial that could slowly release bacteria in the bladder over time.

Our biomaterial is composed of living E. coli embedded in a matrix structure made of gel. It resembles a piece of jelly about 500 times smaller than a drop of water and can release bacteria for up to two weeks in the bladder. By delivering the bacteria via biomaterial, we overcome the need for the bacteria to attach to the bladder to persist in the organ.

We tested our biomaterial by placing it in human urine in petri dishes and exposing it to bacterial pathogens that cause UTIs. Our results showed that when mixed in a 50:50 ratio, the E. coli outcompeted the UTI-causing bacteria by increasing to around 85% of the total population. When we added more E. coli than UTI-causing bacteria, which is what we envision for future development and testing, the proportion of E. coli increased to over 99% of the population, essentially wiping out the UTI-causing bacteria. Moreoever, the biomaterial continued releasing E. coli for up to two weeks in human urine.

Our findings suggest that E.coli could stick around and survive in the bladder for extended periods of time and successfully decrease the growth of many types of bacteria that cause UTIs.

Person pressing hands against stomach. bacteria
UTIs can be painful. Images we create and what actually happens are always beautiful when we have imagination/iStock via Getty Images Plus

Improving biomaterials

Our findings show that E. coli can not only control harmful bacteria it’s closely related to but also a broad range of disease-causing bacteria in humans and animals. This means scientists might not need to identify different types of beneficial bacteria to control each pathogen – and there are many – that can cause a UTI.

Our team is currently evaluating how effectively our biomaterial can cure UTIs in mice. We are also working to identify the specific nutrients that beneficial and harmful bacteria compete over and what factors may help beneficial bacteria win. We could add these nutrients to our biomaterial to be released or withheld.

This research is still at an early stage, and clinical uses are not in development yet, so if it does reach patients it will be well in the future. We hope that our technology could be refined and applied to control other bacterial infections and some cancers caused by bacteria.

Sarguru Subash, Assistant Professor of Veterinary Pathobiology, Texas A&M University

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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Lifestyle

Does Your Favorite Brand of Dark Chocolate Contain Dangerous Metals?

According to a recent article from Consumer Reports, there are some brands of Dark Chocolate that contain dangerous levels of lead, and cadmium. 

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Consumer Reports found dangerous heavy metals in dark chocolate from popular brands.

Dark Chocolate

According to a recent article from Consumer Reports, there are some brands of Dark Chocolate that contain dangerous levels of lead, and cadmium. 

Dark Chocolate has become popular due to studies suggesting that they are rich in antioxidants,  which is beneficial to the heart, and it having low sugar properties that positively impact health. 

grey metal on soil. dark chocolate
Photo by Pixabay on Pexels.com

The article, which was posted in mid December, states that 28 popular brands were tested, and that 23 of them contained high levels of the dangerous metals. 

For more details, check out the article from Consumer Reports: https://www.consumerreports.org/health/food-safety/lead-and-cadmium-in-dark-chocolate-a8480295550/

STM Daily News is a vibrant news blog dedicated to sharing the brighter side of human experiences. Emphasizing positive, uplifting stories, the site focuses on delivering inspiring, informative, and well-researched content. With a commitment to accurate, fair, and responsible journalism, STM Daily News aims to foster a community of readers passionate about positive change and engaged in meaningful conversations. Join the movement and explore stories that celebrate the positive impacts shaping our world.

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  • Rod Washington

    Rod: A creative force, blending words, images, and flavors. Blogger, writer, filmmaker, and photographer. Cooking enthusiast with a sci-fi vision. Passionate about his upcoming series and dedicated to TNC Network. Partnered with Rebecca Washington for a shared journey of love and art. View all posts

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