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
health and wellness
The Oral and Cardiovascular Health Connection: 4 Tips to Protect Your Teeth, Gums and Heart
People often think of dentists and doctors as totally separate healthcare professionals: one cares for your teeth and mouth while the other handles the rest of the body. In reality, the different systems in the human body are closely interconnected and oral health is no exception, making dentists a vital part of your healthcare team. Care for your teeth, gums and heart all at once using these tips.
(Feature Impact) People often think of dentists and doctors as totally separate healthcare professionals: one cares for your teeth and mouth while the other handles the rest of the body. In reality, the different systems in the human body are closely interconnected and oral health is no exception, making dentists a vital part of your healthcare team.
Oral health and heart health have a particularly close connection, with inflammation at the core of it. When your gums are inflamed, the resulting bacteria can make their way from your mouth through your bloodstream, potentially contributing to your blood vessels constricting or becoming blocked. This, in turn, may force your heart to work harder and raise your blood pressure, putting you at risk of heart disease and stroke. More than 46% of adults in the U.S. have high blood pressure, and more than 40% of adults age 30 and older are affected by periodontal (gum) disease.
To help address these issues, the American Heart Association’s Healthy Smiles, Healthy Hearts initiative, in collaboration with Delta Dental of California, is encouraging dental teams to take a total-body perspective with their patients. Simple steps like blood pressure screenings during checkups can give a more complete picture of a person’s overall health. If a member of your dental care team pulls out a blood pressure cuff at your next appointment, it’s a good sign.
“The mouth is a gateway to the body and can often reveal more about your total body health than you may think,” said Daniel Croley, D.M.D., chief dental officer at Delta Dental of California and Affiliates. “Oral health professionals have a powerful opportunity to integrate more into their patients’ collective health care team beyond protecting their patients’ teeth By connecting oral health and heart health, this initiative helps dentists identify risks early and guide patients toward care that can improve and even save lives.”
Care for your teeth, gums and heart all at once using these tips from experts at the American Heart Association.
Follow a Brushing and Flossing Schedule
Good dental health starts with a daily routine. If you don’t want to sheepishly cringe next time the dentist inquires about yours, brush at least twice a day and floss at least once a day to disrupt plaque-forming bacteria. Dentists recommend using toothpaste with fluoride and brushing your teeth and gums thoroughly yet gently, as applying too much pressure can wear away enamel and cause gum recession.
Eat a Healthy Diet and Limit Sugar
Most kids are used to hearing sugar will rot their teeth – and that’s not just a parental scare tactic to get their little hands out of the candy jar. Sugar feeds harmful bacteria in your mouth, producing acid that can cause cavities and gum disease. For a diet your heart and teeth will both appreciate, prioritize vegetables, lean proteins, complex carbohydrates and healthy fats, while limiting added sugars and refined carbohydrates.
Avoid Smoking and Tobacco Products
The connection between smoking and oral disease is well established: smokers face significantly higher risks of developing periodontal disease, losing teeth or being diagnosed with oral cancer. Cigarettes aren’t the only form of tobacco to worry about, either. Vaping, dipping and chewing tobacco can also harm your dental health by drying out your mouth and restricting blood flow to the gums. Since these products are also harmful to heart health, quitting or avoiding them offers plenty of worthwhile benefits. Seek support if you need help to kick the habit.
Communicate with Your Healthcare Team
Since your body’s systems are connected to each other, it’s helpful to talk to your dentist about your blood pressure and to your doctor about your oral health. Start thinking of your dentist as a key member of your integrated healthcare team. Don’t be afraid to share your medical history, discuss the side effects of any medications you’re taking and ask for personalized recommendations on caring for your teeth, gums and overall health.
To learn more about how to improve your oral and cardiovascular health, visit Heart.org/OralHealth.
Photos courtesy of Shutterstock
SOURCE:
5 Habits to Boost Immunity During Cold and Flu Season
(Feature Impact) Your immune system is your strongest ally during cold and flu season, working hard to keep you healthy as you start hearing those telltale coughs and sneezes all around. Help your body do its job well by adopting a few simple habits that naturally support its ability to fight off germs or recover faster.
Talk to your healthcare provider for personalized advice then work on making these habits normal in your household.
Get Regular Exercise
Exercise is like a wonder drug that can improve nearly every aspect of health and wellness. Physical activity increases blood flow, reduces long-term inflammation, helps immune cells circulate through the body to guard against invaders and may even flush bacteria out of your lungs and airways. Plan to fit at least 150 minutes of moderate exercise into each week, like a bike ride, brisk walk, yoga class or on-demand video workout.
Eat Foods That Support Immune Health
To keep your immune system fueled, experts recommend eating a varied diet featuring plenty of fruits, vegetables, nuts, seeds, whole grains and healthy fats like olive oil. Consider adding fresh grapes to your diet to enjoy benefits from their naturally occurring plant compounds.
Protecting the body starts all the way down at the cellular level, and grapes contain powerful polyphenols that support the health and function of cells. Studies indicate certain compounds in grapes, like resveratrol and flavonoids, support immune system function as well as brain, skin, GI and heart health.
These little fruits are easy to add to your diet, whether you enjoy sweet, juicy Grapes from California by the handful or toss them in a blender to make this California Grape Wellness Juice recipe. Support multiple aspects of wellness with the drink’s powerful combination of fruits and vegetables, delivering a variety of immune-boosting vitamins, minerals and antioxidants.
Stay Hydrated
Drinking enough water helps clean your lymphatic system, which is responsible for producing special white blood cells that fight germs. It also keeps membranes in your nose and mouth moist, decreasing infection risk. If you struggle to drink enough, eating water-rich foods like grapes also helps you improve hydration.
Practice Good Germ Hygiene
To increase your odds of staying healthy during peak illness season, hearken back to the tried-and-true hygiene advice your parents might have tried to drill into your head as a kid. Regularly wash your hands with warm water and soap, avoid touching your face while out and about, keep your distance from symptomatic people and disinfect commonly used surfaces like doorknobs when someone in the house or office is sick.
Sleep More, Stress Less
Before you start feeling stressed that you aren’t getting enough sleep, rest assured there are easy changes you can make to support your well-being in both areas. Try switching up your nightly routine to be oriented less around screens and more around calming activities that actually help you wind down, like yoga, meditation or reading.
Discover more health information and recipes at GrapesFromCalifornia.com.
California Grape Wellness Juice
Servings: 3 (1 cup each)
- 5 cups black or red Grapes from California
- 1/2 cup peeled raw beet slices
- 3/4 cup orange juice
- 1/4 cup lemon juice
- 1 small carrot, peeled and sliced
- 1 piece fresh turmeric (1-inch), peeled and sliced or1 teaspoon ground turmeric
- In high-speed blender, puree grapes, beet slices, orange juice, lemon juice, carrot and turmeric until smooth.
- Pour through fine mesh sieve, stirring to extract as much juice as possible, about 3 cups. Stop when mixture starts to get thick. Enjoy immediately or cover and refrigerate until ready to serve.
Notes: This juice can also be added to iced tea or fizzy water.
Nutritional information per serving: 230 calories; 3 g protein; 58 g carbohydrates; 0.5 g fat (2% calories from fat); 0 g saturated fat (0% calories from saturated fat); 0 mg cholesterol; 35 mg sodium; 0 g fiber.
SOURCE:
California Table Grape Commission
Child Health
Changing the Landscape of Childhood Cancer Survivorship
Childhood Cancer: hile “cancer” is a term no family wants to hear, especially when it comes to their children, there is reason for hope. Today, 85% of children diagnosed with cancer survive at least five years. Survival is only part of the journey, however.
Changing the Landscape of Childhood Cancer Survivorship
(Feature Impact) While “cancer” is a term no family wants to hear, especially when it comes to their children, there is reason for hope. Today, 85% of children diagnosed with cancer survive at least five years, according to the National Cancer Institute, up from 75% three decades ago.
Watch this video to learn more
“This progress is driven in large part by dedicated research,” Hyundai Hope on Wheels Board Member Kevin Reilly said. “Over the last 28 years, Hyundai Hope on Wheels has committed over $300 million in pediatric cancer research and program grants, awarding more than 1,600 grants to 210 medical institutions nationwide, impacting thousands of young lives each year.”
Survival is only part of the journey, however. Nearly half (46%) of U.S. adults believe a child ringing the hospital bell after cancer treatment means the child is cancer-free and their medical journey is largely over, according to a survey conducted by Atomik Research on behalf of Hyundai Hope on Wheels. For the children and families living through a diagnosis, the reality is far more complex.
“The reality is that healing continues long after treatment, which is why sustained investment in survivorship care is a priority for us,” said John Guastaferro, executive director of Hyundai Hope on Wheels.
Isabella Franco-Capps, 11, understands that journey firsthand. Diagnosed with B-cell acute lymphoblastic leukemia at age 5, her journey took two years before she could say she’s “a cancer survivor.”
“I was diagnosed with b-cell acute lymphoblastic leukemia,” she said. “This began my two-year-long journey of scans, pokes, chemotherapy and hospital stays. And now I’m a cancer survivor.”
Fellow Hyundai Hope on Wheels National Youth Ambassador, Jackson Trihn, 12, is using his voice to call for continued research and to bring hope to others.
“The role … is being able to share my story,” he said. “Not just to spread awareness but to spread hope to kids that need it. And awareness is so important because people don’t understand how hard pediatric cancer can be.”
Continued progress can help ensure more children ring the bell and receive the care and support they need long after they’ve had the opportunity to do so. To learn more about these efforts and how you can help, visit HyundaiHopeOnWheels.org.
SOURCE:
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