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
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Lifestyle
Men are carrying the brunt of the ‘loneliness epidemic’ amid potent societal pressures
Alvin Thomas, University of Wisconsin-Madison and Quinn Kinzer, University of Wisconsin-Madison
A few weeks before Justin Bieber and his wife, Hailey, announced in May 2024 that they were expecting, the pop icon posted a selfie where he appears tearful and distraught.
While media attention quickly pivoted to the pregnancy, there was little attention paid to the significance of a male celebrity and expectant father publicly sharing his vulnerability.
Yet Bieber’s social media post is notable for making his internal struggle visible.
Emotional pain is linked to serious health issues. But the public’s response to male expressions of emotion and vulnerability is often minimizing, if not dismissive. In response to Bieber’s tearful post, for example, Hailey described him as a “pretty crier.”
A year ago, the Canadian rapper Dax released the song “To Be a Man.” He said at the time: “This is a song I poured my heart into. I’m praying this reaches everyone who needs it.”
Today, the song’s message remains timely. It includes the lyrics:
Yeah, I know this life can really beat you down, uh
You wanna scream but you won’t make a sound, uh
Got so much weight that you’ve been holdin’
But won’t show any emotion, as a man, that goes unspoken
As researchers who study fatherhood and the roles that men play in their families, we recognize the loneliness and pain in these lyrics. We have heard fathers describe the toll of attempting to keep a lid on their feelings.
In a recent study we conducted on 75 new and expectant Black fathers, they spoke of the need to address individual and collective trauma. This, they said, would ultimately help support their families. But they said resources to help men with their mental health are often unavailable or very limited. They said they often feel invisible to health providers.
“Being a father and a man,” one participant said, “you have to keep the peace and be strong on the outside. But on the inside, you know, you’re falling apart.”
Dax’s lyrics and our research reflect an enduring social health challenge – the deafening silence that typically surrounds men’s mental health.
The toll of isolation on men
In May 2023, U.S. Surgeon General Dr. Vivek Murthy released an advisory highlighting what he described as an epidemic of loneliness and isolation in the country. Our research confirms this scourge.
Since men’s social support networks – colleagues, family, close childhood friends – are often less robust than women’s, the epidemic disproportionately impacts men. The resulting solitude has very real health consequences.
In Murthy’s report, loneliness is associated with negative health outcomes, including a “29% increased risk of heart disease, a 32% increased risk of stroke, and a 50% increased risk of developing dementia for older adults. Additionally, lacking social connection increases risk of premature death by more than 60%.”
While Murthy’s report focuses on both men and women, research shows that men are less likely than women to seek mental health services. Additionally, men hold more negative attitudes toward seeking help, and they prematurely terminate treatment more often than women.
With these consequences in mind, a caring society may ask: Why are men carrying the brunt of this health risk, and what can be done about it?
Redefining men’s value beyond breadwinning
Many factors can contribute to feelings of isolation and disconnection among men.
In “To Be A Man,” Dax points toward one prominent factor:
As a man, we gotta pave our way
Our only function is to work and slave
There’s no respect for you if you ain’t paid
You’re disregarded as a human and you can’t complain
Traditional definitions of masculinity emphasize the importance of men’s role as breadwinners.
An uncertain economy and increasingly expensive housing and food prices make the ability to financially provide for a family elusive for many men. These factors also undermine men’s sense of self and contribute to loneliness and feelings of isolation.
As partners and fathers, men are still often perceived as deficient if they can’t provide economically. And societal norms stress that they are not valued for their capacity as caregivers, even if they are more involved in raising their children than ever before.
This is out of touch with reality.
Men play an important role as caregivers in their children’s lives, according to our research, and exert a powerful influence on children’s health and well-being. Men also find meaning in their roles as fathers.
As Dax says:
As a man, our son is our horizon
The cost of suppressed vulnerability
Beyond pressures to provide, men also have to overcome enduring stereotypes that suggest they should be stoic and keep their fears and sadness to themselves.
Here, too, gender norms are in need of an update. Boys and men need to feel comfortable presenting their true, authentic selves to the world. When they suppress their vulnerability, it creates a barrier to seeking help. It also perpetuates stigma and the epidemic of loneliness.
There is a complex interplay between society’s assumptions and beliefs about men and fatherhood.
Men, consequently, are less likely than women to seek mental health services. Health providers, as a result, are more likely to underdiagnose and misdiagnose men. Additionally, when health resources are made available, they are often not tailored to men’s needs.
Societal expectations can create unbearable pressure for men. And the most marginalized groups, like low-income Black fathers, bear a disproportionate burden, research shows. This became more evident during the COVID-19 pandemic, when Black fathers working in high-risk and essential jobs prioritized supporting their children and families over their own risk of infection and mental health.
As men continue to redefine their roles within families and communities, it’s important for society to create a space that acknowledges and embraces their vulnerabilities and full humanity in all social roles.
Men need outlets for their pain. They would benefit from relationships – with partners, family and friends – that support and nurture them in times of joy and through the emotional challenges. Their loneliness will continue to be disproportionate without the necessary connection to services.
Men can consider engaging in low-stakes discussion groups in their communities, with online groups and in their churches. They may also seek out therapists in person or online for introductory sessions to test out the therapeutic interaction before establishing a more consistent pattern of therapy services.
In “To Be a Man,” Dax sings:
No wonder most men are so depressed
All the things that they can’t express
It’s the circle of life, as a man, you provide
They don’t know what you’re worth ‘til the day that you die
As the Biebers adjust to life as parents, Justin may find people he can talk to about his experiences and emotions, people who see and value him fully. And we hope the same for every man and father, living their life out of the spotlight and doing the best they can for themselves and for their family.
Alvin Thomas, Associate Professor, Phyllis Northway Faculty Fellow, University of Wisconsin-Madison and Quinn Kinzer, Graduate student and PhD Candidate, Department of Consumer Science, University of Wisconsin-Madison
This article is republished from The Conversation under a Creative Commons license. Read the original article.
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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Lifestyle
Keep Cold and Flu Season at Bay
During cold and flu season, preparation and proper treatment are crucial for recovery, minimizing illness spread, and maintaining overall health.
(Family Features) It doesn’t take much for cold and flu symptoms to take over. Even a mild case of the sniffles can make it difficult to navigate the demands of everyday life. It’s virtually impossible to avoid germs altogether, but you can make sure you’re ready to fight off an infection, whether it’s a minor cold or a full-blown case of the flu.
Cold and Flu Tips
“I always share a few easy and simple methods with my patients when cold and flu season comes back around to keep them in the best shape,” said Dr. Tim Tiutan, board-certified internal medicine physician. “Not only does getting ahead offer protection, but knowing what to do when symptoms start to come on, and what to have in your medicine cabinet, can help ease the burden of an oncoming illness.”
Preparation and prevention play important roles before a bug hits, but it’s also valuable to know how to effectively treat an illness and keep your loved ones from getting sick.
Prevent
Short of stashing yourself away in a bubble, there aren’t many failsafe ways to fully avoid germs. However, some basic hygiene and preventive care can go a long way toward minimizing your risk. Regularly washing your hands can help get rid of germs before you accidentally introduce them to your eyes, mouth or nose. Be especially diligent after spending time in crowded places.
Maintaining an overall healthy lifestyle also helps ensure you’re in optimal condition if you do get sick. That means eating a nutritious, well-rounded diet and keeping up with your exercise routine. Also be sure to talk to your doctor or pharmacist about getting a flu shot; while it may not fully prevent you from getting sick, in most cases it helps your body fight back and keeps your symptoms manageable.
Prepare
Knowing you can’t completely eliminate your exposure to germs, it’s a good idea to ensure you have everything you need to fight a cold or flu on hand. At least once a year, give your medicine cabinet a thorough cleaning. Discard any expired medications and replace products that have run low, especially those designed to help fight symptoms like pain relievers, fever reducers, decongestants, antihistamines and cough syrups.
It’s also a good time to restock items like tissues, cough drops, hand sanitizer and antibacterial soap. Medical supplies like thermometers and humidifiers also come in handy when you’re under the weather; check to be sure yours are in good working order and consider adding any supplies you don’t already have, such as a blood pressure cuff or home oximeter.
Treat
Once you’re sick, sleep is one of the best remedies. Your body can redirect energy toward healing when you’re sleeping, which helps boost your immune system, so give yourself permission to rest when you’re feeling down.
In addition to getting enough rest, it’s important to treat your symptoms, not just mask them. Because symptoms like fever, runny nose, chest congestion, cough and more can indicate a more serious problem, finding the root cause of the symptoms can be a more effective treatment strategy.
For example, some common remedies for chest congestion only mask the symptoms. Many doctors recommend an option like Mucinex 12-Hour because it treats the cause of chest congestion by thinning and loosening excess mucus. One dose lasts up to 12 hours, helping you clear mucus and relieve chest congestion.
Contain
Getting rest and managing your symptoms are easier when you stay at home, but it’s also the best way to prevent spreading germs to others. It’s not always practical, but if you can, limit yourself to one area of the house, away from family members. Cough into your elbow or a tissue, never your hands. Use antibacterial hand sanitizer and wipe down surfaces to minimize others’ contact with your germs.
Be especially wary of spending time with anyone who has a compromised immune system while you’re contagious, including those with pre-existing conditions, older adults and pregnant women. Take advantage of delivery or curbside services for essentials like groceries and talk with your employer about working remotely or using sick time until you’re feeling better.
Find more advice to help fight this cold and flu season at Mucinex.com. https://www.youtube.com/embed/zUpFn6VhRTM?feature=share/?utm_source=familyfeatures&utm_medium=referral&utm_campaign=#17187-Mucinex
When to Call for Help if You’re Feeling Lousy
If you’re experiencing cold symptoms, you might wonder when it’s appropriate to see a doctor for further evaluation. While most colds resolve on their own within a week or two, there are certain instances when seeking medical attention is advisable.
High Fever: If your fever persists for more than three days or reaches 102 F or higher, consult a health care provider.
Persistent or Severe Headaches: If you experience persistent or severe headaches that are not alleviated by over-the-counter medication, it’s advisable to consult a health care provider, as this could indicate a more serious underlying issue.
Persistent Symptoms: If your symptoms worsen or don’t improve after a week, seek medical advice.
Unusual Symptoms: If you experience uncommon or concerning symptoms during a cold, such as extreme fatigue, confusion, dehydration or a high fever that doesn’t respond to treatment, consult your doctor promptly for a proper diagnosis and treatment plan.
Trouble Breathing: Difficulty breathing, chest pain or wheezing can indicate a more severe respiratory condition and warrant medical attention.
High-Risk Individuals: For individuals at high risk of complications from colds, such as pregnant women, the elderly or individuals with conditions like diabetes or heart disease, it’s important to seek advice early to prevent any potential complications.
Remember, your health care provider can offer guidance tailored to your specific situation, helping you manage your cold effectively and ensure optimal recovery.
Photos courtesy of Shutterstock
SOURCE:
Mucinex
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Lifestyle
Self-forgiveness is more than self-comfort − a philosopher explains
Self-forgiveness requires confronting negative emotions, acknowledging wrongdoing, and is essential for moral growth and healthier relationships.
Mordechai Gordon, Quinnipiac University
As the Jewish High Holidays approach, which begin with Rosh Hashanah and continue with Yom Kippur, the theme of forgiveness keeps coming to my mind.
The 10 days from Rosh Hashanah to Yom Kippur are referred to in the Jewish tradition as the days of repentance, or the days of awe. During this period, Jews who observe the holidays implore God to respond to their sins with mercy, while also requesting forgiveness from anyone those individuals may have wronged in the past year.
Most conversations about forgiveness focus on the meaning and value of forgiving others. Douglas Stewart, a philosopher of education who has researched forgiveness extensively, writes that to forgive implies a willingness to let go of our negative emotions or hard feelings and to adopt in their place a more generous and compassionate attitude toward our wrongdoers.
Other philosophers have pointed out that the benefits of forgiveness include overcoming resentment, restoring relationships and setting a wrong to rest in the past – without vengeance. As such, to forgive should be considered morally valuable and admirable.
But what about self-forgiveness? Is it morally valuable, or just something we do to make ourselves feel better? And what is self-forgiveness, anyway?
As a philosopher of education, some of my own research has wrestled with these questions.
Defining self-forgiveness
Self-forgiveness means managing to work through painful feelings such as guilt, shame and deep disappointment with ourselves. It entails transforming negative attitudes, such as contempt, anger and shame, into more positive emotions such as respect and humility.
It is important to recognize, however, that a wrongdoer cannot simply reject shame: They must confront it. Moral philosophers such as Byron Williston assert that people who have deeply wronged others, such as betraying a loved one, need to experience shame and take responsibility for their actions – such as asking for forgiveness. Otherwise, an attempt at self-forgiveness is not likely to be meaningful.
Finally, we need to keep in mind that self-forgiveness does not imply someone has extinguished all the negative feelings directed at themselves or is done with self-reproach. This would amount to an impossible goal.
Rather, as philosopher Robin Dillon pointed out, self-forgiveness suggests that someone is no longer being consumed or overwhelmed by those negative feelings. In short, it is possible to forgive ourselves and still view ourselves with a demanding and critical eye.
Moral development
Getting there, though, is not easy. Self-forgiveness entails working through a rigorous process of coming to terms with wrongdoing.
According to ethicist Margaret Holmgren, that process includes at least four steps: acknowledging that what we did was wrong; coming to terms with why it was wrong; allowing ourselves to experience grief and self-resentment at having injured another person; and, finally, making a genuine effort to correct the attitudes that led to the harmful act and making amends to the victim.
In other words, confronting negative emotions, attitudes and patterns is essential prior to attempting to restore relationships with others. Only once we are able to relax the preoccupation with guilt and shame, and to genuinely forgive ourselves, can we meaningfully contribute to relationships as liberated and equal partners – especially in ongoing ones, such as with family and friends.
Of course, there are cases in which the offense is so vast, such as genocide, that no individual can make full restitution or provide an adequate apology for the wrong.
There are other times when an apology is impossible. Perhaps victims are dead; perhaps a direct apology would retraumatize them or do more harm than good.
In those cases, I would argue, an offender can still attempt to work toward self-forgiveness – acknowledging not only the victim’s intrinsic worth but their own, regardless of their ability to make amends. This in itself is moral growth: appreciating that neither is a mere object that can be manipulated or abused.
The take-home point, I would argue, is that going through the process of self-forgiveness is morally beneficial. It can not only liberate people who tend to reproach themselves incessantly, but it can enhance their ability to relate ethically toward others – to acknowledge wrongdoing, while simultaneously affirming their own value.
Most people have experienced at least one situation in which they inflicted pain on someone else and recognized that their words or actions caused harm. In such situations, we also often feel ashamed of ourselves and attempt to apologize or make amends.
Yet I hope that during this High Holiday season we keep in mind that self-forgiveness should also be considered essential. If moral development means a process in which our self-awareness and character mature, then acknowledging wrongdoing and experiencing shame, followed by self-forgiveness, are indispensable for that process.
Mordechai Gordon, Professor of Education, Quinnipiac University
This article is republished from The Conversation under a Creative Commons license. Read the original article.
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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