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La inscripción abierta de Medicare finaliza el 7 de diciembre: Comparar opciones de cobertura podría ahorrarle dinero

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(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

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SOURCE:
Centers for Medicare & Medicaid Services

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Lifestyle

6 Tips to Improve Sleep Quality for Overall Well-Being

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(Family Features) Despite a rising number of people searching for the term “sleep” in 2023, nearly 1 in 3 U.S. adults report not getting enough of it, per the Centers for Disease Control and Prevention.

The Quality of Sleep

As a foundation for overall well-being, getting quality sleep is key to achieving goals and being present in daily life. Without it, you’re more likely to lack the stamina and energy to follow through on your ambitions.

To help people realize the foundational role sleep plays in everyday successes, Natrol – a leading sleep, mood and stress supplement brand based on Nielsen data – alongside Dr. Jess Andrade are working together to help people improve their sleep quality and habits so they can conquer their wellness goals this year and beyond.

“From consistent exercise to eating healthy and even daily journaling, it may seem like all your priorities are in order, but without sleep, you won’t be able to reap the full benefits of your hard work,” Andrade said. “Often overlooked, getting quality sleep is a fundamental piece to improving overall wellness and it doesn’t have to be complicated. Creating small, achievable changes in our daily sleep routines can lead to long-lasting lifestyle habits for the better.”

Consider these tips from Andrade to help improve your sleep quality so you can achieve your goals.

1. Prioritize Movement and Light Exposure in the Morning
Whether you’re a yogi or prefer a simple stretch when your feet hit the floor, movement and light during the day can help stimulate quality sleep later that night.

2. Understand Sleep Gains are Just as if Not More Important Than Gym Gains
If you’re focusing on fitness goals, you’ll need adequate sleep to see successful results. If you’re a morning workout warrior, schedule earlier bedtimes to ensure you get the recommended 7-8 hours of sleep. For evening workouts, aim to end your sweat session as early in the evening as possible; too much physical activity before bed can keep you up at night.

3. Make Your Bedroom a Sanctuary
Make your bedroom a sleep sanctuary. Keep the room dark, noise-free, and comfortable with the thermostat set at 65-67 F for better sleep conditions.

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4. Set Nightly Rituals to Unwind
Create nightly rituals that activate circadian rhythms and allow your body to unwind. Consider activities that relax you the most, like taking a bath, reading a book, journaling or sipping decaffeinated nighttime tea.

5. Try Incorporating a Drug-Free Sleep Aid
If you follow good bedtime habits but still occasionally struggle to fall or stay asleep, try a low-milligram melatonin supplement, like those from Natrol, that are designed to help you get a good night’s sleep so you wake up refreshed and ready to conquer your goals.†

6. Follow the 10-3-2-1-0 method
To help you fall asleep and wake up feeling revitalized, Andrade recommends the 10-3-2-1-0 method: Decrease caffeine intake at least 10 hours before bed. Avoid eating bothersome foods 3 hours prior to heading off to sleep. Engage in relaxing activities like reading at the 2-hour mark and cut out screentime with 1 hour to spare. Ultimately, these habits can lead to zero times hitting snooze the next morning.

Find more ways to improve sleep habits by visiting Natrol.com.

† These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.

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SOURCE:
Natrol

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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10 Simple Changes You Can Make Today for Improved Health and Wellness

Improve your health and wellness with these simple changes to your daily routine.

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Boost Your Wellbeing with These Easy Tips

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Living a healthy lifestyle is important for our physical and mental well-being, but sometimes it can be overwhelming to know where to start. However, there are simple changes that we can make to our daily routines that can have a big impact on our health and wellness. Here are 10 simple changes you can make today to improve your health and wellness.

  1. Drink more water: Staying hydrated is key for our body’s systems to function properly. Aim for at least 8 glasses of water a day.
  2. Add more fruits and vegetables to your diet: Fruits and vegetables are packed with nutrients and antioxidants that can help protect against diseases. Aim for at least 5 servings a day.
  3. Move more: Regular exercise is important for maintaining a healthy weight, reducing stress, and improving overall health. Find activities that you enjoy and aim for at least 30 minutes of physical activity a day.
  4. Get enough sleep: Sleep is essential for our body to heal and regenerate. Aim for 7-9 hours of sleep each night.
  5. Reduce stress: Chronic stress can have negative effects on our physical and mental health. Find activities that help you relax and reduce stress, like meditation or yoga.
  6. Practice good hygiene: Good hygiene practices like washing your hands regularly and showering daily can help prevent the spread of germs and illnesses.
  7. Limit alcohol intake: Drinking too much alcohol can have negative effects on our liver and overall health. Limit your intake to no more than 1-2 drinks per day.
  8. Quit smoking: Smoking is a major cause of many diseases and can have negative effects on our health. Quitting smoking is one of the best things you can do for your health.
  9. Wear sunscreen: Protect your skin from the harmful effects of the sun by wearing sunscreen with at least SPF 30, especially when spending time outdoors.
  10. Connect with others: Social connections are important for our mental health and well-being. Make an effort to spend time with friends and family, or find a community group that interests you.

Making these simple changes to your daily routines can have a big impact on your health and wellness. Remember that small steps can lead to big changes. Start with one or two changes and gradually add more as you feel comfortable. With time, these habits will become a natural part of your daily routine, helping you to live a healthier and happier life.

https://stmdailynews.com/category/lifestyle/

STM Daily News is a multifaceted podcast that explores a wide range of topics, from life and consumer issues to the latest in food and beverage trends. Our discussions dive into the realms of science, covering everything from space and Earth to nature, artificial intelligence, and astronomy. We also celebrate the amateur sports scene, highlighting local athletes and events, including our special segment on senior Pickleball, where we report on the latest happenings in this exciting community. With our diverse content, STM Daily News aims to inform, entertain, and engage listeners, providing a comprehensive look at the issues that matter most in our daily lives. https://stories-this-moment.castos.com/


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Learn CPR as a Life-Saving Skill

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CPR

(Family Features) While many Americans agree Conventional CPR (cardiopulmonary resuscitation) or Hands-Only CPR (HOCPR) significantly improve a person’s chance of survival from cardiac arrest, less than half are confident they can perform either Conventional CPR or HOCPR in an emergency.

Learning CPR

Black or Hispanic adults who experience cardiac arrest outside a hospital setting are substantially less likely to receive lifesaving care from a bystander. In spite of these survey results, the American Heart Association is working to change this by empowering members of these communities to learn lifesaving CPR, and a growing segment of respondents are willing to act in an emergency.
The American Heart Association’s 2023 survey also revealed that as a result of the organization’s efforts to change attitudes about performing CPR, which can lead to lifesaving results, more than half of African Americans said they would be willing to perform CPR in an emergency compared to 37% two years ago. Additionally, Hispanic and Latino respondents are more confident in their abilities to perform CPR.

Committed to turning a nation of bystanders into lifesavers, the American Heart Association’s multiyear initiative, Nation of Lifesavers, helps teens and adults learn how to perform CPR and use an automated external defibrillator (AED); share that knowledge with friends and family; and engage employers, policymakers, philanthropists and others to create support for a nation of lifesavers.

“Each of us has the power in our own hands to respond to a sudden cardiac arrest,” said Anezi Uzendu, M.D., American Heart Association expert volunteer. “We simply need to know what to do and have the confidence to act.”

The long-term goal: to ensure that in the face of a cardiac emergency, anyone, anywhere is prepared and empowered to perform CPR and become a vital link in the chain of survival, aiming to double the survival rate of cardiac arrest victims by 2030. It takes just 90 seconds to learn how to save a life using HOCPR, which can be equally as effective as traditional CPR in the first few minutes of cardiac arrest.

Nationally supported by the Elevance Health Foundation, the American Heart Association’s HOCPR campaign is focused on chest compression-only CPR. If a teen or adult suddenly collapses due to a cardiac event, you can take two steps to save a life: immediately call emergency services and use these tips to begin performing HOCPR.

  1. Position yourself directly over the victim.
  2. Put the heel of one hand in the center of the chest and put your other hand on top of the first.
  3. Push hard and fast in the center of the chest at a rate of 100-120 beats per minute, which is about the same tempo as the song “Stayin’ Alive” by the Bee Gees, and at a depth of approximately 2 inches.
  4. Continue compressions and use an AED, if available, until emergency help arrives.

To learn more about how you could be the difference between life and death for someone experiencing a cardiac event, visit Heart.org/nation.

Photo courtesy of Shutterstock

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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.

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STM Daily News is a multifaceted podcast that explores a wide range of topics, from life and consumer issues to the latest in food and beverage trends. Our discussions dive into the realms of science, covering everything from space and Earth to nature, artificial intelligence, and astronomy. We also celebrate the amateur sports scene, highlighting local athletes and events, including our special segment on senior Pickleball, where we report on the latest happenings in this exciting community. With our diverse content, STM Daily News aims to inform, entertain, and engage listeners, providing a comprehensive look at the issues that matter most in our daily lives. https://stories-this-moment.castos.com/


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