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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

Fotos cortesía de Shutterstock

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SOURCE:
Centers for Medicare & Medicaid Services

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Food and Beverage

Back-to-School Sandwiches to Nourish Kids’ Bodies and Minds

Back-to-School Sandwiches: When you picture a schoolchild sitting down at a cafeteria table and opening their lunchbox, you’re probably already imagining there’s a sandwich inside. For a nutritious lunch, pack this Ham, Turkey, Bacon and Cheese Pocket. Some school days call for simple, fun comfort food, and that’s where the Fluffernutter comes in.

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Last Updated on July 16, 2026 by Daily News Staff

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(Feature Impact) When you picture a schoolchild sitting down at a cafeteria table and opening their lunchbox, you’re probably already imagining there’s a sandwich inside. After all, it’s a classic back-to-school staple that parents rely on for ease, convenience and nutrition when they’re trying to get everyone out the door on time – all you have to do is put bread and fillings together, and you’re good to go. That, of course, only leaves the question of which bread and fillings to choose.

A new survey conducted by Atomik Research on behalf of Nature’s Own indicated that modern parents care a lot about nutrition when deciding which kind of bread to buy, with 88% of survey respondents agreeing that feeding their kids wholesome bread feels like an easy parenting win.

With clean, simple ingredients that balance taste and nutrition, Nature’s Own bread supports an attainably healthy lifestyle for busy families. Whether you choose a classic white bread, reach for a whole-wheat loaf or need to account for dietary restrictions, you can feel confident you’re selecting bread that’s free from artificial colors, flavors and preservatives.

For a nutritious lunch that fits the bill for 85% of parents who show strong interest in breads made with whole grains, pack this Ham, Turkey, Bacon and Cheese Pocket made with honey wheat bread. The flavorful mixture of deli meats and American cheese baked to perfection make every bite satisfying. Consider getting the whole family involved assembly-line style to make multiple batches at once, cutting down on time in the kitchen during the week ahead while encouraging learning opportunities as kids count ingredients and measure fillings.  

Some school days call for simple, fun comfort food, and that’s where the Fluffernutter comes in. Soft bread, creamy peanut butter and fluffy marshmallow make for a combination that nourishes kids of all ages not just physically, but emotionally. Whether you pack it as a lunchbox surprise or have it ready as an after-school treat, this is a sandwich that promises sweetness and nostalgia – a perfect fit for the 78% of parents who agreed that sandwiches are a canvas for small moments of care, like notes in lunch bags.

Since sandwiches are so customizable, you can easily adapt these recipes to your family’s unique preferences and needs. Whether you decide to use different seasonings or swap to a multigrain bread, there’s no such thing as a wrong sandwich decision as long as it works for you.

To view ingredients and decide what kind of loaf you want to stock up on during the school year, visit naturesownbread.com.

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Ham, Turkey, Bacon and Cheese Pocket

  • 8          slices Nature’s Own Honey Wheat Bread
  • 1/4       pound deli turkey
  • 1/4       pound deli ham
  • 4          slices cooked bacon
  • 4          slices white American cheese
  • 1          egg
  • 1          tablespoon cold water
  • 1          teaspoon coarse salt
  1. Preheat oven to 350 F.
  2. Chop turkey, ham and bacon and toss together. Set aside.
  3. Using knife, cut off crust on each piece of bread.
  4. With rolling pin, roll and flatten each slice of crustless bread. Take four slices and place spoonful of chopped meats in middle of each slice. Top with broken slices of cheese.
  5. Place remaining slices of crustless bread on top of each pocket.
  6. In small bowl, crack egg and add water. Beat together. Dip fork into egg mixture and crimp each edge of pocket until two slices are sealed together. Repeat on each pocket. Brush top of each pocket with remaining egg mixture and sprinkle salt on top.
  7. Place on sheet pan and bake until golden brown, 7-10 minutes.
  8. Let cool a few minutes and enjoy.
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Fluffernutter Sandwich

Total time: 10 minutes

Servings: 1

  • 2          tablespoons peanut butter
  • 2          slices Nature’s Own Butterbread
  • 2          tablespoons marshmallow fluff
  1. Spread peanut butter on one bread slice. Spread marshmallow fluff on second slice. Put both slices together to form sandwich.
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track

SOURCE:

Nature’s Own

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Travel

Escape the Everyday Routine: Summer Travel Experiences Worth Logging Off For

Summer Travels: Between busy schedules, daily responsibilities and the seemingly nonstop pace of everyday life, taking time to disconnect can feel impossible. This summer, make an effort to step away from daily distractions and reconnect with yourself, your passions and the moments that matter most.

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Escape the Everyday Routine: Summer Travel Experiences Worth Logging Off For

(Feature Impact) Between busy schedules, daily responsibilities and the seemingly nonstop pace of everyday life, taking time to disconnect can feel impossible. This summer, make an effort to step away from daily distractions and reconnect with yourself, your passions and the moments that matter most.

Whether it’s a solo seaside escape, a culinary adventure with friends or a memory-making family vacation, World of Hyatt’s Global Summer Offers give members access to exclusive savings of up to 25% on stays at participating hotels and resorts across the U.S., Canada, Caribbean, Latin America, Europe and Africa, making it easy to plan a perfect getaway to escape the everyday this summer.

From paddleboarding in the Bahamas to wandering through Panama’s historic streets, these curated destination recommendations offer inspiration for every kind of traveler.

Sun-Soaked Seaside Escapes

Some summer vacations are about trading packed schedules for ocean breezes and sun-soaked days by the water. For a chic coastal escape, The Georgian, part of The Unbound Collection by Hyatt, brings timeless glamour to the shores of Santa Monica. Just steps from the ocean, this iconic art deco hotel serves as the perfect seaside retreat for biking along the boardwalk, relaxing on the beach and exploring Santa Monica’s vibrant dining scene.

Every detail of a stay at Dreams Puerto Morelos Resort & Spa is crafted to inspire relaxation, connection and discovery. The all-inclusive resort offers a vibrant escape where contemporary comfort meets timeless Caribbean charm in a tropical haven designed for couples and families alike.

Memory-Making Family Adventures

17943 detail embed2Families looking to make the most of summer together can head to Grand Hyatt Baha Mar, where every day brings a new adventure. From splashing through the resort’s waterpark and visiting the on-site wildlife sanctuary to enjoying family-friendly dining across more than 45 restaurants and lounges, there’s something for guests of all ages to enjoy together.

Along the shores of Kāʻanapali Beach in Maui, Hyatt Regency Maui Resort and Spa provides the perfect setting for families to create lasting memories together. Families can fill their days with everything from culinary experiences to sunrise yoga, snorkeling and wildlife tours. Younger guests can even channel their inner sea creature during the resort’s popular mermaid classes.

Flavor-Filled Getaways

Combining contemporary luxury with Moroccan charm, Park Hyatt Marrakech is an authentic gateway to the destination’s rich culinary heritage. Guests can immerse themselves in local culinary traditions through hands-on experiences, from mastering classic dishes alongside the hotel’s chefs to exploring a Berber village market and sharing a home-cooked lunch with a local family.

Travelers looking to immerse themselves in Panama’s vibrant culture and food scene can enjoy a stay at Hyatt Regency Panama City. Whether exploring the colorful streets of Casco Viejo or savoring authentic cuisine at the hotel’s signature restaurant, Rulfo, guests can experience the flavors and energy that define the destination.

Immersive Cultural Discovery

Just steps from Tallinn’s UNESCO-listed Old Town, Hyatt Place Tallinn places guests in the heart of the city’s rich heritage and within easy reach of landmarks such as Toompea Castle and Alexander Nevsky Cathedral, as well as cobbled medieval streets, world-class museums, independent galleries and vibrant cafés that bring centuries of history to life.

Steeped in history and tucked in the heart of Westminster, Great Scotland Yard Hotel, part of The Unbound Collection by Hyatt, blends modern luxury with its storied past. Once home to Scottish royalty and later the headquarters of London’s Metropolitan Police, the hotel’s legacy of sophistication and intrigue inspires every detail and standout experience, including its hidden speakeasy-style bar, where inventive cocktails are inspired by the building’s colorful history and Michelin-starred dining.

Set along Savannah’s vibrant riverfront, Thompson Savannah offers a stylish gateway to one of the South’s most charming and culturally rich destinations. Travelers can explore centuries-old architecture in the city’s beautifully preserved Historic District and immerse themselves in the renowned arts scene before unwinding in a private cabana on the hotel’s pool deck or enjoying a cocktail at the rooftop bar.

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To find more destinations to aid in the escape from everyday routines, visit Hyatt.com for a full list of participating properties and full offer details. collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures track

    

SOURCE:

World of Hyatt

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financial wellness

Building Brighter Futures: Helping Young People Succeed in a Changing Economy

Changing Economy: During a time when the economy is changing rapidly and shifting the landscape of work into uncertain territory, academic success is no longer enough to put young people on a stable path to the future. Smart students need to start taking steps in new directions, adding key concepts like financial literacy, economic mobility and entrepreneurship to their knowledge arsenals.

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Building Brighter Futures: Helping Young People Succeed in a Changing Economy

Building Brighter Futures: Helping Young People Succeed in a Changing Economy

(Feature Impact) During a time when the economy is changing rapidly and shifting the landscape of work into uncertain territory, academic success is no longer enough to put young people on a stable path to the future. Once, a high school diploma was enough to land a well-paying job. Then a college degree became the gold standard. Now the roadmap has changed again, which means that smart students need to start taking steps in new directions.

According to Junior Achievement, three key concepts to add to modern teenagers’ knowledge arsenal include financial literacy, economic mobility and entrepreneurship.

Why Financial Literacy Matters

When young people are equipped with the knowledge they need to earn, manage, save and invest money, it supports their journey through every life milestone ahead, from education and homeownership to retirement and more. Financial literacy gives people the confidence to make smart decisions while dodging costly mistakes like getting into high-interest debt.

A recent Junior Achievement survey indicated that although 42% of Americans struggle with money management, 23% feel their income could be sufficient if they understood how to manage it more effectively. Giving students a strong foundation in financial literacy can set them up well to not only earn money but use it wisely to meet their future needs and accomplish their goals.

The Power of Economic Mobility

Economic mobility refers to the idea that each generation can expect to achieve better opportunities and more financial stability than the one before. Today’s youth are growing increasingly skeptical of this possibility, and for good reason: they see that even many college graduates are underemployed and struggling to find their feet.

There’s no denying the game has changed. However, upward economic mobility is still within reach for students who are willing to learn the new rules, especially if they have parents and educators supporting their journeys. With or without a college degree, students who engage with their communities, believe in their own potential and focus on building transferable personal and entrepreneurial skills can find themselves well-positioned to navigate a changing world.

How to Grow Entrepreneurial Skills

Topics like financial literacy and business acumen can be taught in a variety of ways both in and out of the classroom. Other key entrepreneurial skills – like leadership, confidence, work ethic, creativity and critical thinking – are more like muscles that get stronger when they’re trained. While academics are still important, hands-on opportunities and experiences are invaluable parts of the equation to prepare students for economic success.

Take programs like Future Bound by Junior Achievement, for example, which is an immersive annual event designed to empower high school students with essential skills and opportunities to innovate. Participants put their intelligence, creativity and ambition to the test during four team competitions where they can showcase and hone real-world business and economic skills. Winners receive national honors, awards, scholarships and prizes from event sponsors, including Pacific Life Foundation and Staples, among others. Plus, all attendees get the chance to network with industry leaders from around the country, participate in workshops and connect with other future-focused teens.

Whether you’re a student, parent, educator or volunteer, explore more resources to help young people succeed at JA.org.

Photo courtesy of Shutterstock

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