Health
Medicare Open Enrollment Ends Dec. 7: Comparing coverage options could save you money
(Family Features) If you’re enrolled in Medicare, it’s important to remember Medicare Open Enrollment is open through Dec. 7 each year. It is the time for people with Medicare to compare their prescription drug and health coverage options for the upcoming year.
It is important to compare your options because plans can change every year – even your current choice may be changing. Your health needs can change, too. By comparing all your options, you could save money, find a coverage option better tailored to your needs or both.
How to Compare Prescription Drug and Health Coverage Options
Medicare.gov is the official source for information about Medicare and Open Enrollment. You may see enrollment information from various insurance companies and other sources. Start at Medicare.gov to get unbiased information to find the type of coverage that best meets your needs.
Comparing prescription drug and health coverage options is easy at Medicare.gov. You can input the list of medications you are taking and conduct a side-by-side comparison of plan coverage, costs and quality ratings. If you are happy with your current choice, you don’t have to do anything. If you choose a new option for 2024, you can enroll right there.
Before you enroll in a plan, consider the following:
- Check if your health care providers are in a plan’s network.
- Check if your prescriptions are included on a plan’s formulary and if the plan works with your pharmacy.
- Check the plan’s Star Rating on Medicare.gov to see how it performs on quality, customer service and more.
- Remember low monthly premiums may not always be the best overall value for your specific needs.
- Review a plan’s estimated total costs to you, including deductible and other out-of-pocket costs.
- Check if Medicare Advantage plans offer extra benefits, like vision, hearing or dental coverage, if you need these services.
- Remember that you may need a referral or prior authorization for some services under Medicare Advantage plans.
Vaccine, Insulin and Drug Cost Savings
Improvements to the Medicare program are adding up to savings and improved access to affordable treatments because of the Inflation Reduction Act.
- Insulin: If you have Medicare and take insulin, you’ll pay no more than $35 for a month’s supply of each covered insulin. This includes people who have Medicare drug coverage (Part D) and all Part B covered insulins.
- Vaccines: People with Medicare drug coverage will pay nothing out of pocket for adult vaccines, including the shingles vaccine, that are recommended by Centers for Disease Control and Prevention’s Advisory Committee on Immunization Practices.
- Drug Cost Savings: In 2024, people enrolled in Part D who have very high drug costs will get some relief. Once they reach a certain threshold on paying out-of-pocket costs – what we call the catastrophic phase – they will no longer have additional cost sharing or copays at the pharmacy.
Medicare Can Help
To compare options and find the best coverage to fit your needs:
- Visit Medicare.gov and conduct side-by-side comparisons of costs and coverage.
- Call 1-800-MEDICARE. Help is available 24 hours a day, including weekends.
- Access personalized health insurance counseling in your community at no cost, available from your State Health Insurance Assistance Program (SHIP). Visit shiphelp.org or call 1-800-MEDICARE for locations near you.
Medicare Options
There are two main ways to get Medicare coverage: Original Medicare and Medicare Advantage (Medicare-approved plans from private companies). There are differences between the two that are important to understand when reviewing your coverage options.
- With Original Medicare, you get your health care through Medicare Parts A and B. You can join a separate drug plan to get Medicare drug coverage (also called Part D). And you can see any doctor that takes Medicare anywhere in the U.S.
- Medicare Advantage is an alternative that usually bundles your health and drug coverage all in one plan. Some plans may offer extra benefits that Original Medicare doesn’t cover – like certain vision, hearing and dental services. In many cases, you can only use doctors who are in the plan’s network.
If you are new to Medicare or need to review the ways you can get your Medicare coverage, visit Medicare.gov and click “Get Started with Medicare.”
Extra Help with Prescription Drug Costs
If you are struggling with prescription drug costs, Extra Help is a Medicare program that can help pay for your drug coverage (Part D) premiums, deductibles, coinsurance and other costs. If you make less than $22,000 a year ($30,000 for married couples), it’s worth it to apply. Visit ssa.gov/extrahelp or call the Social Security Administration at 1-800-772-1213 to apply. The program will expand to cover more drug costs for people with limited resources in 2024. People who qualify for Extra Help generally will pay no more than $4.50 for each generic drug and $11.20 for each brand-name drug.
Information provided by the U.S. Department of Health & Human Services.
Photos courtesy of Getty Images
SOURCE:
Centers for Medicare & Medicaid Services
UT Southwestern researchers show living in the Southern U.S., having preexisting conditions linked to more serious illness
Newswise — DALLAS – Nov. 21, 2023 – Children who had preexisting health problems or who lived in the Southern United States had a higher risk for severe health outcomes from acute COVID-19 infections, according to researchers at UT Southwestern Medical Center. The results, reported in the journal Hospital Pediatrics that is published by the American Academy of Pediatrics, also showed the importance of vaccinations in reducing the severity of illness for those who became infected.
“While receiving the COVID-19 vaccines did not mean that our little patients would not get sick from the virus, vaccines did protect them from more severe outcomes such as death and intensive care admissions. Protecting your children by immunizing them is a good thing, especially if your child has a preexisting condition, such as heart disease or asthma,” said one of the study’s authors, Christoph Lehmann, M.D., Professor of Pediatrics and in the Lyda Hill Department of Bioinformatics, Director of the Clinical Informatics Center, and a member of the Peter O’Donnell Jr. School of Public Health at UT Southwestern.
The national study analyzed records from 165,437 children age 18 and younger who tested positive for COVID-19 between January 2020 and January 2022. About 1.8% were hospitalized without complication, 1.8% were admitted to intensive care or needed intensive respiratory support, and 31 children died.
The researchers found that children in the Southern United States were more than three times as likely to have more severe complications compared with other areas of the country.
“It matters where you live,” Dr. Lehmann noted. “While we do not know what causes children in the South to have worse outcomes, our findings call for an exploration of possible causes – such as weather and climate, immunization rates, public health or government messaging, mandates, and closures.”
The study also found that among children under age 5, those younger than 2 years old were at the highest risk for severe outcomes. This finding contradicts initial anecdotal observations suggesting that infants were not as prone to severe disease with COVID-19 as they were from other respiratory viruses such as respiratory syncytial virus (RSV).
“While this wasn’t surprising to us – smaller airways are disproportionately affected by respiratory illness – it does mean that we have to be more vigilant when the little ones acquire COVID-19,” Dr. Lehmann added.
Finally, the study found that those with multiple chronic medical conditions, such as heart disease and lung disease, were more than twice as likely to have severe complications following COVID-19 infection, and the more chronic conditions they had, the higher the risk.
Other UTSW researchers who contributed to this study include lead author Robert W. Turer, M.D., Assistant Professor of Emergency Medicine; first author and medical student Milan Ho, B.S.; Trish M. Perl, M.D., M.Sc., Professor of Internal Medicine; Zachary M. Most, M.D., M.Sc., Assistant Professor of Pediatrics; Bhaskar Thakur, Ph.D., Assistant Professor of Family and Community Medicine, Emergency Medicine, and Physical Medicine & Rehabilitation and a member of the O’Donnell School of Public Health; John J. Hanna, M.D., Assistant Instructor of Internal Medicine; Marlon I. Diaz, B.S., Sameh Saleh, M.D., Madison Pickering, M.S., and Richard J. Medford, M.D., all with the Clinical Informatics Center; medical student Julia A. Casazza, B.S.; and Postdoctoral Research Fellow Alexander P. Radunsky, Ph.D.
Dr. Lehmann holds the Willis C. Maddrey, M.D. Distinguished Professorship in Clinical Science. Dr. Perl, a member of the O’Donnell School of Public Health, holds the H. Ben and Isabelle T. Decherd Chair in Internal Medicine in Honor of Henry M. Winans, Sr., M.D.
This study was funded by the National Center for Advancing Translational Sciences of the National Institutes of Health (UL1 TR003163).
Related research
Public Perception of COVID-19 Vaccines Through Analysis of Twitter Content and Users
Early Crowdfunding Response to the COVID-19 Pandemic: Cross-Sectional Study
What the Coronavirus Disease 2019 (COVID-19) Pandemic Has Reinforced: The Need for Accurate Data
About UT Southwestern Medical Center
UT Southwestern, one of the nation’s premier academic medical centers, integrates pioneering biomedical research with exceptional clinical care and education. The institution’s faculty members have received six Nobel Prizes and include 26 members of the National Academy of Sciences, 20 members of the National Academy of Medicine, and 13 Howard Hughes Medical Institute Investigators. The full-time faculty of more than 3,100 is responsible for groundbreaking medical advances and is committed to translating science-driven research quickly to new clinical treatments. UT Southwestern physicians provide care in more than 80 specialties to more than 120,000 hospitalized patients, more than 360,000 emergency room cases, and oversee nearly 5 million outpatient visits a year.
Journal Link: Hospital Pediatrics
Source: UT Southwestern Medical Center
More than 53 million Americans serve as “informal” caregivers filling critical roles that make independent living possible for people with disabilities.
MIDDLEVILLE, MICHIGAN, UNITED STATES /EINPresswire.com/ — In the wake of a direct care worker shortage, more than 53 million Americans serve as “informal” caregivers filling critical roles that make independent living possible for people with disabilities and chronic health conditions. However, family caregiving can take a financial, emotional, and physical toll on those performing the unpaid work. Below, we explore five opportunities to help family caregivers build sustainable and strong caregiving relationships.
Family caregivers are critical resources in the quest to promote independence and autonomy among people with disabilities, and they deserve all the support our communities can offer.”
— Steve Locke
Determine Whether Payment is Possible
In some cases, family caregivers can receive financial compensation for their caregiving. Medicaid’s Self-Directed Services program, the Department of Veterans’ Affairs Veteran-Directed Care program, certain Home and Community-Based Services programs, many long-term care insurance plans, and even some employers offer stipends to informal caregivers providing necessary care.
Make a Plan for Respite Care
Creating a respite care plan helps caregivers build in time on a regular basis to take a break from caregiving and pass their responsibilities on to a trustworthy provider. The AARP outlines the process for creating a plan, including identifying what you and your loved one need and who could provide support. Professional respite care resources are available through the Senior Corps, local Area Agency on Aging, and Elder Helpers.
Find Peer Support
Up to 40% of informal caregivers report that caregiving makes them feel alone, yet there are many others experiencing the same scenarios and connecting can help caregivers cope. Your local Center for Independent Living can connect you with caregiving support groups, the Area Agency on Aging can provide assistance, or even nonprofit or religious groups like Courage to Caregivers that link volunteer peer mentors with caregivers.
Ask for Help!
The digital age has brought a wealth of apps that make it easier for caregivers to communicate their needs and get other friends and family members on board to help. Whether you need alternative transportation to a medical appointment or would love a friend to drop off dinner a few days per month, apps like Carely, Caring Village, and LotsaHands provide tools to help caregivers coordinate caregiving responsibilities among family and friends.
Pay Attention to your Mental Health
Up to 4 in 10 caregivers report that they “never relax,” and one survey revealed that more than half of caregivers polled had experienced suicidal ideation during the COVID pandemic. Caregiving while experiencing this level of mental anguish is dangerous for both the caregiver and the patient. In cases like this, finding an alternate source of care at least part of the time is necessary. Individuals in crisis can call 988 for 24/7 mental health support and the Caregiver Action Network can provide a listening ear, resources, and assistance.
Family caregivers are critical resources in the quest to promote independence and autonomy among people with disabilities, and they deserve all the support our communities can offer. As organizations like MiSILC advocate for formal and informal caregivers at the highest levels, nonprofits and community resources can provide the services necessary for effective, sustainable caregiving. Learn more about our work at MiSILC.org.
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Celebrate the return of a seasonal favorite plus a new limited-edition collab
LOS ANGELES /PRNewswire/ — Health-Ade, makers of delicious, bubbly beverages that support a happy and healthy gut, are celebrating feeling good from the inside out this holiday season. A perfect swap for alcohol or soda, Health-Ade Kombucha’s living probiotics help keep your gut in balance while enjoying the season’s festivities and indulging in your favorite holiday foods.
To celebrate the season, Health-Ade Kombucha has launched its seasonal holiday flavor, Holiday Cheers, which expertly blends notes of ginger, vanilla, allspice, and cacao for the perfect sip to spread the cheer all season long. This winter staple is a perfect accompaniment for sipping by the fire, enjoying as a festive treat, or even as a delicious probiotic hostess gift for those holiday parties and celebrations. Every bottle of Health-Ade’s Holiday Cheers Kombucha will help you celebrate the seasonal flavors you love, while supporting a happy and healthy gut.
“Health-Ade is a delicious, easy way to support your gut health during the holiday season,” says Claire Chewning, Health-Ade’s Registered Dietitian Advisor. “Good nutrition is all about adding IN, not restricting unnecessarily. Adding in sources of fermented foods and probiotics, like kombucha, can increase the number of good bacteria in your gut. For many, this can help manage symptoms of bloating and other digestive discomforts. For another gut-happy practice, you can also consider swapping alcohol for a few fun Health-Ade Kombucha mocktails. Cheers to a delicious and nourished holiday season!”
Special for this season, Health-Ade has partnered with fellow Los Angeles-based brand Mar Mar to create a limited edition Holiday Minis candle set. The Mar Mar x Health-Ade Kombucha collaboration features three best-selling Mar Mar scents reimagined with a Health-Ade twist. Titled The Bold, The Rebel, and The Optimist these 2oz votives are wrapped in Health-Ade’s beloved and recognizable color schemes to make the perfect gift set for anyone on your list and a great companion to your Health-Ade Kombucha selection.
You can purchase the limited-edition candle set and Holiday Cheers flavor now on health-ade.com for yourself and all of the Health-Ade Kombucha lovers on your holiday gift list. The Mini Candle set retails for $60, or you can bundle with your favorite case of Health-Ade for a $10 discount. Holiday Cheers can also be found at select retailers nationwide, while supplies last.
About Health-Ade Kombucha
Health-Ade creates feel-good, bubbly beverages with gut health benefits so you can follow your gut and show the world what you’re made of. The brand got started in the Brentwood Farmers Market in 2012 selling its flagship kombucha drinks. Instantly gaining a cult following in Southern California, Health-Ade Kombucha rapidly expanded to sell nationwide in over 65,000 stores including Whole Foods Market, Sprouts, Safeway / Albertsons, Kroger, Publix, and Target. All Health-Ade products are naturally fermented with high-quality ingredients and are certified organic, non-GMO, gluten-free and vegan, and each bottle of Health-Ade Kombucha exceeds the World Health Organization’s daily standard for probiotics.
SOURCE Health-Ade
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