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Medicare Open Enrollment Runs Through Dec. 7

Medicare Open Enrollment, from Oct. 15 to Dec. 7, allows beneficiaries to compare health and prescription drug plans for potential savings and better coverage tailored to their needs.

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Medicare Open Enrollment

Reviewing your Medicare options could save you money

(Family Features) If you’re enrolled in Medicare, it’s important to remember Medicare Open Enrollment runs from Oct. 15 through Dec. 7 each year. This 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 you or both. By reviewing and comparing coverage, people can see if there are better options based on changes to their current plan, personal budget and health needs.

New This Year

The new prescription drug law is lowering out-of-pocket costs on covered prescriptions. New in 2025, all Medicare plans will include a $2,000 annual cap on what you pay out-of-pocket for prescription drugs under Medicare Part D. The cap only applies to drugs that are covered by your plan, so it’s more important than ever to review your plan options to make sure your drugs are covered. That means you will not pay more than $2,000 in 2025 on prescription drugs covered under Medicare prescription drug coverage – that includes expensive prescription drugs to treat cancer, chronic illnesses and more.

This is in addition to improvements already in effect due to the prescription drug law including a $35 cap on a month’s supply of each covered insulin product – and no out-of-pocket costs for recommended adult vaccines covered under Part D, including the shingles vaccine.

Also starting in 2025, you can choose to spread your out-of-pocket drug costs across the calendar year instead of paying all at once at the pharmacy. It’s called the Medicare Prescription Payment Plan. You can opt in with your plan in advance of Jan. 1 and throughout 2025.

How to Compare Prescription Drug and Health Coverage Options

Medicare.gov is the official source for information about Medicare and Open Enrollment. Start here 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. Get started by clicking on “Find Plans.” Then enter your ZIP code, current prescriptions and favorite pharmacies. You will see a side-by-side comparison of the total cost for all the plans in your area, including the premium and how much you’ll pay for your prescriptions. You’ll also be able to see what plans cover your prescriptions and whether some plans offer extra benefits. If you are happy with your current choice, you don’t have to do anything. If you choose a new option for 2025, you can enroll on Mediare.gov.

Before you enroll in a plan, consider this advice:

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  • 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.
  • Review a plan’s estimated total costs to you, including deductible and other out-of-pocket costs. Remember low monthly premiums may not always be the best overall value for your specific needs.
  • Check if Medicare Advantage plans offer extra benefits, like vision, hearing or dental coverage, if you need these services.
  • Understand that you may need to get approval from the plan before it will cover certain services or supplies.
  • Check your plan’s Star Rating to see how it performs on quality, customer service and more.

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.

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. With the prescription drug law, more people may qualify for even more savings. If you make less than $23,000 a year ($31,000 for married couples), it’s typically worth it to apply. 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. Visit ssa.gov/ExtraHelp.

Information provided by the U.S. Department of Health & Human Services.

Photos courtesy of Shutterstock

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SOURCE:
Centers for Medicare & Medicaid Services

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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Health

Know These 4 Core Factors to Avoid a Heart Health Syndrome

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(Family Features) In the U.S., 1 in 3 adults is at risk for a newly recognized syndrome that comes from a combination of heart disease, kidney disease, type 2 diabetes and excess body weight. This cluster of conditions, called cardiovascular-kidney-metabolic (CKM) syndrome, is an example of how problems in one part of your body can affect other parts.

To avoid CKM syndrome, health experts suggest paying close attention to four of the American Heart Association’s Life’s Essential 8 – blood pressure, lipids, body weight and blood sugar level – which are core health factors that impact your metabolic health.

Good metabolic health means your body uses energy well and keeps these factors in a normal range. However, when numbers are off in one area, it can affect others, raising your risk for heart disease, stroke, kidney disease and diabetes.

Consider these tips from the American Heart Association to help keep your core health factors under control.

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Blood Pressure
High blood pressure, also known as hypertension, happens when the force of your blood pushing against the walls of your blood vessels is too high. High blood pressure is a leading cause of heart disease, stroke and kidney disease.

Because high blood pressure doesn’t have symptoms, the only way to know you have it is to get your blood pressure checked. Healthy blood pressure is below 120/80. If your blood pressure is 130/80 or higher, talk to your doctor about checking your other core health factors.

Lifestyle changes can help reduce high blood pressure. One example is a Dietary Approaches to Stop Hypertension (DASH) eating pattern that’s low in fat and rich in fruits, vegetables, whole grains and low-fat dairy products. Losing 10 pounds and reducing alcohol consumption can also reduce blood pressure.

Cholesterol
Cholesterol is a waxy substance your liver makes then circulates in the blood where your body uses it to build cells and make vitamins and hormones. You may also get cholesterol from eating animal products. If there’s too much cholesterol circulating, your risk of type 2 diabetes, heart disease and stroke may increase.

For optimal CKM health, your LDL cholesterol should be below 100 and triglycerides below 150. Triglycerides are the most common type of fat in the body. If your triglyceride level is 135 or higher, talk to your doctor about decreasing your risk.

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Losing body weight and increasing physical activity decrease triglyceride levels. In addition, DASH and Mediterranean (plant-based, high-fiber, low-fat) eating patterns support healthy LDL and triglyceride levels.

Body Weight
Healthy weight may be determined by body mass index (BMI), a number that represents your weight in relation to your height. Extra body fat can mean a higher risk for many health problems, including heart disease, stroke, high blood pressure, high cholesterol and diabetes.

CKM syndrome starts when BMI is 25 or higher and waist circumference is 88 centimeters or higher for women and 102 centimeters or higher for men. Aim for a BMI between 18.5-25.

To lose weight and keep it off, start by setting realistic goals. Understand how much and why you eat, manage portion sizes, make smart snack substitutions and be physically active.

Blood Sugar
High blood sugar can slowly damage the kidneys. In fact, diabetes is the leading cause of kidney disease, and it increases the risk of heart attack and stroke.

Blood sugar is measured in two ways: a fasting blood glucose test (short term blood sugar) and an A1C test (long term blood sugar control). A normal fasting blood glucose level is 70-99 and a normal A1C level is below 5.7%. Fasting blood glucose above 125 and A1C of 6.5% or higher means you have diabetes.

Habits that help you avoid high blood pressure, weight gain and high cholesterol also keep your blood sugar in check. These are especially important if you have a family history of diabetes.

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Learn more about CKM syndrome and how to manage your risk at heart.org/CKMhealth.

Photos courtesy of Shutterstock

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SOURCE:
American Heart Association


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pets

Vaccine hesitancy among pet owners is growing – a public health expert explains why that matters

Vaccine hesitancy among pet owners is rising, with 22% of dog owners and 26% of cat owners expressing concerns, impacting public health and vaccination rates for pets.

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Pet owners, too, are starting to become concerned about the side effects of vaccines. Noah Seelam/AFP via Getty Images

Simon F. Haeder, Texas A&M University

When most people think about vaccines, they typically think about humans: Experts warn that when large numbers of people are unvaccinated, it can lead to severe consequences, including disease outbreaks and higher rates of illness and death, particularly among the most vulnerable. The economic costs to society can also be substantial.

However, vaccines also provide important protections for our nonhuman companions, including the most common pets: dogs and cats.

Yet, as my research published in 2024 in the American Journal of Veterinary Research and the journal Vaccine indicates, vaccine hesitancy is beginning to spill over into some people’s decisions about whether to vaccinate their pets.

Vaccines and pets

A large body of research has confirmed that U.S. Food and Drug Administration-approved vaccines are safe for most people. Yet vaccines have never been universally accepted, dating back to the first inoculations against smallpox. Vaccine hesitancy, or concerns over getting vaccinated, has only intensified in the wake of the COVID-19 pandemic.

Growing concerns about vaccines have important implications that go well beyond the individual making decisions about whether or not to get vaccinated.

Vaccines generally work through two important pathways. First, for the vaccinated individual, they provide direct protection by reducing the risk of contracting a disease; they also reduce the severity of a disease.

Vaccines also provide an indirect form of protection for society at large through a process commonly known as “herd immunity.” This occurs when a high percentage of people in a community have developed immunity, ensuring that future outbreaks affect fewer individuals and are quickly contained.

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Humans, of course, are not the only species that benefits from the direct and indirect protections of vaccines. However, so far, very little research has examined vaccination in nonhumans.

My recent work specifically sought to extend scientific knowledge about dog and cat owners by using large, national surveys. Many of the findings were positive: The vast majority of cats and dogs have received core vaccines, which provide protection against rabies and other dangerous diseases. Core vaccines are those vaccines that are recommended for all dogs and cats.

Moreover, three-quarters of pet owners trust their veterinarian when it comes to vaccines. And even higher percentages felt confident discussing vaccine-related concerns with their veterinarian. They also understand that many vaccine-preventable pet diseases can be severe.

Pet owners also wanted their neighbors to vaccinate their pets: Most dog and cat owners, more than 80%, supported vaccination requirements for various core and noncore vaccines.

Yet, other findings raise concerns. Most prominently, my study, published in late 2024, identified 22% of dog owners and 26% of cat owners as vaccine hesitant regarding their pets. And although most pets were vaccinated against common diseases, a minority were not. This includes about 4% of dogs and 12% of cats that remained unvaccinated against rabies. For other diseases like parvovirus and distemper, vaccination rates were even lower. The study confirmed similar findings from my earlier 2023 study.

In the same 2024 study, many of the concerns raised by pet owners mirror those of humans: More than half of pet owners question the effectiveness of vaccines.

A cat receiving a rabies vaccine
About 4% of dogs and 12% of cats remain unvaccinated against rabies. Xinhua/Zulkarnain via Getty Images

A similar percentage was concerned about vaccine safety and side effects. Many believed it was better for pets to contract a disease to get immunity than to get vaccinated. About 60% of pet owners thought that pets receive too many vaccines. Strikingly, nearly all pet owners preferred fewer vaccines to be administered to their pets at a time.

Going forward

When people choose to not vaccinate their pets, it can have important implications for society.

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The most immediate impact will be on pet owners. Unvaccinated pets face a higher risk of illness and death from preventable diseases; although vaccines are not completely effective, and in some cases even vaccinated pets may be affected. This may impose substantial financial and emotional costs on their owners.

Veterinarians will also be affected. They may encounter pets with diseases they may not expect to see or have had limited exposure to in the past. The same holds for other professions dealing with pets, including groomers, boarders and walkers.

There are also broader implications for public health: Encounters with rabies, in particular, may become more common. Humans may be directly affected if they are bitten by an infected pet. Pets also come into contact with wildlife, increasing the potential for the further spread of rabies.

From a public health perspective, low vaccination rates for pets are just as concerning as those for humans. I believe that a comprehensive public health strategy is crucial for addressing the growing concerns among pet owners regarding vaccines. Such a strategy should not simply dismiss pet owners’ concerns as conspiracy theories, but should instead adopt a thoughtful approach that takes individuals’ specific concerns seriously.

Simon F. Haeder, Associate Professor of Public Health, Texas A&M University

This article is republished from The Conversation under a Creative Commons license. Read the original article.

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Child Health

Sesame Workshop and NewYork-Presbyterian Join Forces to Champion Children’s Health

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The two organizations will partner to foster healthy habits in young children and their families by offering free resources and videos and “Sesamatized” spaces

Sesame Workshop,

NEW YORK /PRNewswire/ — Today, Sesame Workshop, the global impact nonprofit behind Sesame Street, and NewYork-Presbyterian announced a partnership to improve health outcomes for young children by supporting their physical and emotional well-being through joyful learning moments engaging parents, caregivers, and community providers. Sesame Workshop is collaborating with NewYork-Presbyterian’s physicians and community partners on a social impact and mass media campaign featuring videos, educational materials, and “Sesamatized” physical spaces, to promote children’s health.

The partnership is launching with a six-part video series titled “Ask a Doctor,” featuring Sesame Street Muppets and NewYork-Presbyterian physicians. The videos are designed to educate and empower parents and caregivers on how to help young children stay healthy. They will cover topics including how to develop healthy sleep habits, deal with food allergies, and prepare for wellness visits. The series can be found on Sesame Workshop’s YouTube channel and will be available on NewYork-Presbyterian’s internal patient entertainment system.

“We are delighted to partner with NewYork-Presbyterian in our shared commitment to equity and health justice,” said Jeanette Betancourt, Ed.D., Senior Vice President of U.S. Social Impact at Sesame Workshop. “Our collaboration allows us to combine our expertise in healthcare, child development, and family and community engagement to make an impactful difference in the lives of those who need it most. In fostering healthy practices, especially in the early years, in ways that incorporate the perspectives and needs of parents and caregivers along with their community support networks, we are all working together to pave the way for a healthier, more equitable future.”

“We are thrilled to work with Sesame Workshop to empower parents and caregivers with important health information and meet families where they are,” said Dr. Deepa Kumaraiah, Senior Vice President and Chief Medical Officer of NewYork-Presbyterian. “Through fun learning moments that support the health and well-being of young people in our communities, we can help reduce health disparities and work toward health justice.”

A key focus of the partnership is a collaboration between Sesame Workshop and NewYork-Presbyterian’s neighboring community partners. Sesame Workshop will create educational materials with input from the children and caregivers in the communities NewYork-Presbyterian serves. Among the resources that will be available are bilingual Muppet videos, storybooks, parent guides, and activity books. “Sesamatized” physical spaces including décor featuring Sesame Street Muppets will open in the second half of 2025. The materials will be available where children and their families are, including community centers and NewYork-Presbyterian’s hospitals and clinics.

Additionally, two videos, featuring Elmo, Gabrielle, and other Sesame Street friends, that celebrate everyone of all hair and fur types complement NewYork-Presbyterian’s Dalio Center for Health Justice’s Crown Hair Care program, an initiative to provide inclusive hair care kits for pediatric and obstetric patients with curly, coiled, or tightly textured hair. These are also featured on NewYork-Presbyterian’s patient entertainment system.

About Sesame Workshop 
Sesame Workshop is the global impact nonprofit behind Sesame Street and so much more. For over 50 years, we have worked at the intersection of education, media, and research, creating joyful experiences that enrich minds and expand hearts, all in service of empowering each generation to build a better world. Our beloved characters, iconic shows, outreach in communities, and more bring playful early learning to families in more than 150 countries and advance our mission to help children everywhere grow smarter, stronger, and kinder. Learn more at www.sesame.org and follow Sesame Workshop on InstagramTikTokFacebook, and X

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About NewYork-Presbyterian
NewYork-Presbyterian is one of the nation’s most comprehensive, integrated academic healthcare systems, encompassing 10 hospitals across the Greater New York area, nearly 200 primary and specialty care clinics and medical groups, and an array of telemedicine services.

A leader in medical education, NewYork-Presbyterian Hospital is affiliated with two renowned medical schools, Weill Cornell Medicine and Columbia University Vagelos College of Physicians and Surgeons. This collaboration means patients have access to the country’s leading physicians, the full range of medical specialties, latest innovations in care, and research that is developing cures and saving lives.

Founded 250 years ago, NewYork-Presbyterian Hospital has a long legacy of medical breakthroughs and innovation, from the invention of the Pap test to pioneering the groundbreaking heart valve replacement procedure called TAVR.

NewYork-Presbyterian’s 50,000 employees and affiliated physicians are dedicated to providing the highest quality, most compassionate care to New Yorkers and patients from across the country and around the world.

For more information, visit www.nyp.org and find us on Facebook, Instagram, YouTube, LinkedIn, and Pinterest.

SOURCE NewYork-Presbyterian

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