Health
La inscripción abierta de Medicare finaliza el 7 de diciembre: Comparar opciones de cobertura podría ahorrarle dinero
Last Updated on October 24, 2025 by Daily News Staff
(Family Features) Si está inscrito en Medicare, es importante recordar que la Inscripción Abierta de Medicare es hasta el 7 de diciembre de cada año. Es el momento para que las personas con Medicare comparen sus opciones de cobertura médica y de medicamentos recetados para el próximo año.
Es importante comparar sus opciones porque los planes pueden cambiar cada año; incluso su elección actual puede estar cambiando. Sus necesidades de salud también pueden cambiar. Al comparar todas sus opciones, podría ahorrar dinero, encontrar una opción de cobertura que se adapte mejor a sus necesidades, o ambas cosas.
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. Es posible que vea información de inscripción de varias compañías de seguros y otras fuentes. 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 ingresar la lista de medicamentos que está tomando y realizar una comparación en paralelo de la cobertura del plan, los costos y el nivel de calidad. Si está satisfecho con su elección actual, no tiene que hacer nada. Si elige una nueva opción para 2024, podrá inscribirse allí mismo.
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 recetas médicas están incluidas en el formulario de un plan y si el plan trabaja con su farmacia.
- Consulte el número de estrellas de su plan en Es.Medicare.gov para ver su desempeño en calidad, servicio al cliente y más.
- Recuerde que es posible que las primas mensuales bajas no siempre sean el mejor valor general para sus necesidades específicas.
- Revise los costos totales estimados de un plan para usted, incluya el deducible y otros costos de bolsillo.
- 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 para algunos servicios de los planes Medicare Advantage.
Ahorro en costos de vacunas, insulina y medicamentos
Las mejoras al programa de Medicare ofrecen ahorros y un mejor acceso a tratamientos asequibles gracias a la Ley de Reducción de la Inflación.
- Insulina: Si tiene Medicare y usa insulina, no pagará más de $35 por el suministro mensual de cada insulina cubierta. Esto incluye a las personas que tienen cobertura de medicamentos de Medicare Parte D y todas las insulinas cubiertas por la Parte B.
- Vacunas: Las personas con cobertura de medicamentos de Medicare no pagarán nada de su bolsillo por las vacunas para adultos, incluida la vacuna contra el herpes zóster, recomendadas por el Comité Asesor sobre Prácticas de Inmunización de los Centros para el Control y la Prevención de Enfermedades.
- Ahorros en costos de medicamentos: En 2024, las personas inscritas en la Parte D que tienen costos de medicamentos verán un alivio en estos gastos. Cuando lleguen a cierta cantidad de pagos directos de bolsillo (lo que llamamos la fase catastrófica), ya no tendrán costos compartidos ni copagos en las farmacias.
Medicare puede ayudar
Para comparar opciones y encontrar la mejor cobertura que se ajuste a sus necesidades:
- Visite Es.Medicare.gov y realice comparaciones de costos y cobertura en paralelo.
- 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 conocer las ubicaciones cercanas a usted.
Opciones de Medicare
Hay dos formas principales de obtener cobertura de Medicare: Medicare Original y Medicare Advantage (planes aprobados por Medicare de empresas privadas). Existen diferencias entre los dos que es importante comprender al revisar sus opciones de cobertura.
- Con Medicare Original usted obtiene atención médica a través de las Partes A y B de Medicare. Puede inscribirse en un plan de medicamentos separado para obtener la cobertura de medicamentos de Medicare (también llamada Parte D). Y puede visitar a cualquier médico que acepte Medicare en cualquier lugar de los EE. UU.
- Medicare Advantage es una alternativa que generalmente combina su cobertura de salud y medicamentos en un solo plan. Algunos planes pueden ofrecer beneficios adicionales que Medicare Original no cubre, como ciertos servicios dentales, de visión y de audición. En muchos casos, solo puede utilizar médicos que estén en la red del plan.
Si es nuevo en Medicare o necesita revisar las formas en que puede obtener su cobertura de Medicare, visite Es.Medicare.gov y haga clic en “Comenzar con Medicare”.
Ayuda adicional con los costos de medicamentos recetados
Si tiene dificultades con los costos de los medicamentos recetados, Ayuda Adicional es un programa de Medicare que puede ayudarlo a pagar las primas, los deducibles, el coseguro y otros costos de su cobertura de medicamentos (Parte D). Si gana menos de $22,000 al año ($30,000 para parejas casadas), vale la pena presentar la solicitud. Visite ssa.gov/es/medicare/part-d-extra-help o llame a la Administración del Seguro Social al 1-800-772-1213 para presentar la solicitud. El programa se ampliará para cubrir más costos de medicamentos para personas con recursos limitados en 2024. Las personas que califican para la Ayuda Adicional generalmente no pagarán más de $4.50 por cada medicamento genérico y $11.20 por cada medicamento de marca.
Información proporcionada por el Departamento de Salud y Servicios Humanos de los Estados Unidos
Fotos cortesía de Getty Images
SOURCE:
Centers for Medicare & Medicaid Services
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(Feature Impact) Heart disease is something many adults push to the back of their minds if they are not experiencing symptoms; a concern for “later” in life. However, that mindset may be changing. New research suggests younger generations are thinking about their cardiovascular health earlier and with greater urgency.
They’re right to be thinking about it, too. Data from the American Heart Association shows heart disease is still the No. 1 killer of Americans. In fact, someone dies from cardiovascular disease every 34 seconds in the United States.
Risk factors such as obesity, high blood pressure, diabetes, and kidney disease are on the rise, too. Nearly half of U.S. adults have high blood pressure (47%), and obesity (42%), and more than half (57%) have type 2 diabetes or prediabetes.
Despite growing concern about heart health, many adults remain unclear about their personal risk. In fact, a majority of respondents (62%) in a survey conducted by Atomik Research on behalf of Doctor’s Best said they don’t know their current risk for heart disease. To provide context on these findings and highlight emerging heart health trends, Dr. Tania Elliott, a dual board-certified physician in internal medicine, offers some insights.
Feeling Fatigue
In the study, only 50% of respondents reported feeling energetic on a daily basis. Among those who reported feeling fatigued, 46% listed stress as their top perceived contributor, followed by insufficient sleep (38%), both of which are closely tied to cardiovascular health.
Troubling Symptoms
Among Gen Z respondents, 25% reported having shortness of breath during activity or while lying down, compared to just 16% of Baby Boomers, which is commonly associated with compromised heart health.
Statins and Youth
Statins, which help address cardiovascular risk factors such as high cholesterol, are among the most commonly prescribed drugs in America, with more than 92 million Americans currently taking them, according to the Cleveland Clinic. Although most survey respondents (76%) aren’t currently taking a statin, 17% of adults ages 25-34 reported using statin therapy, which is an unexpectedly high proportion given their age and the group’s low anticipated risk of cardiovascular disease.
Side Effects of Statins
Among those taking statins, which are considered a first-line treatment for treating high cholesterol and reducing heart disease risk, 54% reported experiencing side effects, particularly muscle pain (23%) and fatigue (31%). However, taking statins can also affect levels of Coenzyme Q10 (CoQ10), which supports cellular energy and cardiovascular function.
All About CoQ10
Cells use CoQ10 to produce energy and detoxify. Studies have shown people with heart failure who took CoQ10 had around a 50% reduction in mortality. Despite this, awareness is low. Nearly two-thirds (66%) of respondents had never heard of CoQ10 and that number jumps to 76% of adults ages 25-34. Additionally, only a small percentage of respondents (8%) who were on a statin reported having their CoQ10 level tested.
“We have a real opportunity to help younger adults take a more proactive approach to heart health,” Elliott said. “CoQ10 plays a critical role in cellular energy production and heart muscle function, and it can decline with age and statin use.”
If you’re among the 71% of survey respondents who expressed a willingness to learn more about improving your heart health, talk with your health care provider and visit DoctorsBest.com to learn more.
Strategies to Support Heart Health
While some risk factors for heart disease, like age and family history, are out of your control, you can make lifestyle changes to help lower your risk:
- Eat Whole Foods: A heart-healthy eating plan includes plenty of lean proteins as well as fruits, vegetables, beans, whole grains and foods high in omega-3s, such as salmon, nuts and plant oils.
- Know Your CoQ10 Levels: If you’re low, look for a high-quality, bioavailable formula, like Doctor’s Best High Absorption CoQ10 with BioPerine, which supports energy production and muscle function.
- Get Moving: The American Heart Association recommends 150 minutes of moderate-intensity or 75 minutes of vigorous aerobic activity per week to help control weight and lower the risk for conditions that negatively impact the heart.
Photo courtesy of Shutterstock (woman with hand over chest)
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Lifestyle
How to Practice Thoughtful Grief Etiquette Online
Grief experts advise caution in sharing condolences and loss-related information on social media, emphasizing the importance of prioritizing the grieving family’s needs. Thoughtful posting practices include waiting for family approval, reaching out privately first, and avoiding speculation about the cause of death. Compassionate communication is essential in these sensitive situations.
(Feature Impact) News of a death can spread online in seconds – often before families have notified close family members privately. That’s why grief experts urge people to rethink how they share condolences, tributes and loss-related information on social media, particularly during the winter months when grief can feel especially isolating.
“Grief etiquette is about putting the needs of the grieving family first, not our urge to say something publicly,” said Dr. Camelia L. Clarke, National Funeral Directors Association (NFDA) spokesperson, funeral director and grief educator with nearly 30 years of experience. “Just because information can be shared instantly doesn’t mean it should be.”
Social media has become a common place for sharing condolences, tributes and memories. However, grief experts caution that, without thoughtful consideration, online posts can unintentionally cause harm. Knowing when to post, what to say and when to remain silent can make a meaningful difference for families experiencing loss.
Consider this advice from the experts at the NFDA.
Grief Etiquette in the Digital Age
Grief etiquette refers to the unspoken guidelines for how individuals acknowledge death, loss and mourning, particularly online.
According to Clarke, one of the most important principles is restraint.
“When a death is shared online too quickly, families can feel exposed and overwhelmed at a moment when they’re still processing the loss themselves,” she said. “Waiting is an act of compassion.”
Best Practices for Posting About Loss Online
As social media continues to play a role in modern mourning, grief professionals encourage users to pause before posting and consider a few key guidelines:
- Let the family lead. Don’t post about a death until the immediate family has made it public.
- Ask permission. Obtain consent before sharing photos, stories or tributes.
- Reach out privately first. A direct message, call or handwritten note can be more meaningful than a public comment.
- Avoid speculation. Don’t ask about or share details regarding the cause of death.
- Offer ongoing support. Grief extends far beyond the first days or weeks after a loss.
What to Say (and Avoid)
When expressing condolences online, experts recommend simplicity, sincerity and sensitivity. Messages that acknowledge loss without attempting to explain or minimize it are often the most supportive.
Helpful phrases include:
- “I’m sorry for your loss.”
- “Thinking of you and your family.”
- “I’m here if you want to talk or need anything.”
By contrast, well-meaning cliches can unintentionally cause harm. Phrases such as “They’re in a better place” or “Everything happens for a reason” may reflect the speaker’s beliefs, but they can feel dismissive to someone grieving.
“Grieving people don’t need answers – they need presence,” Clarke said. “Listening matters more than saying the perfect thing.”
Resources for Families and Friends
As digital spaces continue to shape how people communicate during life’s most difficult moments, experts agree empathy, patience and respect remain timeless.
“Grief is deeply personal,” Clarke said. “When we slow down and lead with compassion, we honor both the person who has died and those who are left to grieve.”
To learn more about how to support a grieving person and access free, expert-reviewed resources for navigating grief, expressing condolences and supporting loved ones before, during and after a loss, visit RememberingALife.com, an initiative of the NFDA.
Photo courtesy of Shutterstock
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<img src="https://erp.featureimpact.com/api/v1/tracking/17832/10240/track.gif" />SOURCE:
National Funeral Directors Association
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Food and Beverage
Fresh Thinking About Frozen: Bring Quality Meals to the Table While Cutting Food Waste and Stretching Your Budget
For many families, the freezer is for last-minute meal options. However, new federal nutrition guidance and growing scientific consensus reveal a different reality: frozen foods can be the starting point for healthy eating, not a backup plan.
Last Updated on February 21, 2026 by Daily News Staff
(Feature Impact) The key to easy preparation of high-quality meals, wasting less food and saving money may already be sitting in your kitchen.
For many families, the freezer is for last-minute meal options. However, new federal nutrition guidance and growing scientific consensus reveal a different reality: frozen foods can be the starting point for healthy eating, not a backup plan. That’s why the American Frozen Food Institute (AFFI) is launching “Fresh Thinking About Frozen,” a campaign to help families discover these benefits of frozen foods.
Making Nutrition Achievable
The recently released 2025-2030 Dietary Guidelines for Americans, the nation’s top nutrition advice, emphasizes portion control and nutrient-dense foods. Frozen options deliver on both counts.
Families who keep frozen produce on hand tend to eat more fruits and vegetables overall. Pre-portioned frozen meals also help people eat what they need without overdoing it. Plus, the convenience factor matters: frozen berries are ready for a morning smoothie, pre-cut frozen vegetables can be added to tonight’s stir-fry and a balanced frozen meal can be quickly paired with a salad.
That isn’t cutting corners. It’s being smart on how best to feed a family well.
Freezing Hits the Pause Button on Fresh Foods
Freezing food only changes a food’s temperature, not its nutrition. Freezing keeps food close to its original state without requiring additives.
Produce begins to lose nutritional value right after it’s harvested. Freezing fruits and vegetables hours after harvest pauses nutrient degradation and locks in the vitamins and minerals, so the food remains farm fresh even as it travels across the country to your grocery store. Frozen meals are similarly made with real ingredients and turned into just-cooked recipes then frozen for families to eat when they’re ready.
The nutrition community understands this. A recent survey conducted by AFFI found 94% of registered dietitians agree frozen fruits and vegetables are just as nutritious as their fresh counterparts. Another 92% said frozen foods offer a variety of nutritious meal offerings. These findings are central to the “Fresh Thinking About Frozen” message: Frozen is not second-best. It’s simply smart.
Solving the Food Waste Problem
Nearly 40% of food in the United States gets thrown away, according to the nonprofit ReFED. That translates to roughly $1,500 per year per household, straight into the trash along with unused produce and forgotten leftovers.
Frozen helps fix that problem. Eight in 10 consumers agree buying frozen helps reduce food waste at home, AFFI research finds. The reason is simple: You use what you need, when you need it and the rest stays perfectly preserved. No more dreading the refrigerator cleanouts and feeling guilty over the uneaten food going into the trashcan.
Time for Fresh Thinking
Families already making this shift aren’t settling for less. They’re strategic about nutrition, budget and time. They integrate the freezer into regular meal planning. They feel confident about providing quality foods that are simply frozen.
The freezer isn’t a place of last resort. It’s a tool for eating well in real life. Visit frozenadvantage.org/FTAF for tips, recipes and resources to make the most of your freezer.
Photos courtesy of Shutterstock
SOURCE:
American Frozen Food Institute
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