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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:

  • 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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Special Education Is Turning to AI to Fill Staffing Gaps—But Privacy and Bias Risks Remain

With special education staffing shortages worsening, schools are using AI to draft IEPs, support training, and assist assessments. Experts warn the benefits come with major risks—privacy, bias, and trust.

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Seth King, University of Iowa

With special education staffing shortages worsening, schools are using AI to draft IEPs, support training, and assist assessments. Experts warn the benefits come with major risks—privacy, bias, and trust.
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In special education in the U.S., funding is scarce and personnel shortages are pervasive, leaving many school districts struggling to hire qualified and willing practitioners.

Amid these long-standing challenges, there is rising interest in using artificial intelligence tools to help close some of the gaps that districts currently face and lower labor costs.

Over 7 million children receive federally funded entitlements under the Individuals with Disabilities Education Act, which guarantees students access to instruction tailored to their unique physical and psychological needs, as well as legal processes that allow families to negotiate support. Special education involves a range of professionals, including rehabilitation specialists, speech-language pathologists and classroom teaching assistants. But these specialists are in short supply, despite the proven need for their services.

As an associate professor in special education who works with AI, I see its potential and its pitfalls. While AI systems may be able to reduce administrative burdens, deliver expert guidance and help overwhelmed professionals manage their caseloads, they can also present ethical challenges – ranging from machine bias to broader issues of trust in automated systems. They also risk amplifying existing problems with how special ed services are delivered.

Yet some in the field are opting to test out AI tools, rather than waiting for a perfect solution.

A faster IEP, but how individualized?

AI is already shaping special education planning, personnel preparation and assessment.

One example is the individualized education program, or IEP, the primary instrument for guiding which services a child receives. An IEP draws on a range of assessments and other data to describe a child’s strengths, determine their needs and set measurable goals. Every part of this process depends on trained professionals.

But persistent workforce shortages mean districts often struggle to complete assessments, update plans and integrate input from parents. Most districts develop IEPs using software that requires practitioners to choose from a generalized set of rote responses or options, leading to a level of standardization that can fail to meet a child’s true individual needs.

Preliminary research has shown that large language models such as ChatGPT can be adept at generating key special education documents such as IEPs by drawing on multiple data sources, including information from students and families. Chatbots that can quickly craft IEPs could potentially help special education practitioners better meet the needs of individual children and their families. Some professional organizations in special education have even encouraged educators to use AI for documents such as lesson plans.

Training and diagnosing disabilities

There is also potential for AI systems to help support professional training and development. My own work on personnel development combines several AI applications with virtual reality to enable practitioners to rehearse instructional routines before working directly with children. Here, AI can function as a practical extension of existing training models, offering repeated practice and structured support in ways that are difficult to sustain with limited personnel.

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Some districts have begun using AI for assessments, which can involve a range of academic, cognitive and medical evaluations. AI applications that pair automatic speech recognition and language processing are now being employed in computer-mediated oral reading assessments to score tests of student reading ability.

Practitioners often struggle to make sense of the volume of data that schools collect. AI-driven machine learning tools also can help here, by identifying patterns that may not be immediately visible to educators for evaluation or instructional decision-making. Such support may be especially useful in diagnosing disabilities such as autism or learning disabilities, where masking, variable presentation and incomplete histories can make interpretation difficult. My ongoing research shows that current AI can make predictions based on data likely to be available in some districts.

Privacy and trust concerns

There are serious ethical – and practical – questions about these AI-supported interventions, ranging from risks to students’ privacy to machine bias and deeper issues tied to family trust. Some hinge on the question of whether or not AI systems can deliver services that truly comply with existing law.

The Individuals with Disabilities Education Act requires nondiscriminatory methods of evaluating disabilities to avoid inappropriately identifying students for services or neglecting to serve those who qualify. And the Family Educational Rights and Privacy Act explicitly protects students’ data privacy and the rights of parents to access and hold their children’s data.

What happens if an AI system uses biased data or methods to generate a recommendation for a child? What if a child’s data is misused or leaked by an AI system? Using AI systems to perform some of the functions described above puts families in a position where they are expected to put their faith not only in their school district and its special education personnel, but also in commercial AI systems, the inner workings of which are largely inscrutable.

These ethical qualms are hardly unique to special ed; many have been raised in other fields and addressed by early-adopters. For example, while automatic speech recognition, or ASR, systems have struggled to accurately assess accented English, many vendors now train their systems to accommodate specific ethnic and regional accents.

But ongoing research work suggests that some ASR systems are limited in their capacity to accommodate speech differences associated with disabilities, account for classroom noise, and distinguish between different voices. While these issues may be addressed through technical improvement in the future, they are consequential at present.

Embedded bias

At first glance, machine learning models might appear to improve on traditional clinical decision-making. Yet AI models must be trained on existing data, meaning their decisions may continue to reflect long-standing biases in how disabilities have been identified.

Indeed, research has shown that AI systems are routinely hobbled by biases within both training data and system design. AI models can also introduce new biases, either by missing subtle information revealed during in-person evaluations or by overrepresenting characteristics of groups included in the training data.

Such concerns, defenders might argue, are addressed by safeguards already embedded in federal law. Families have considerable latitude in what they agree to, and can opt for alternatives, provided they are aware they can direct the IEP process.

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By a similar token, using AI tools to build IEPs or lessons may seem like an obvious improvement over underdeveloped or perfunctory plans. Yet true individualization would require feeding protected data into large language models, which could violate privacy regulations. And while AI applications can readily produce better-looking IEPs and other paperwork, this does not necessarily result in improved services.

Filling the gap

Indeed, it is not yet clear whether AI provides a standard of care equivalent to the high-quality, conventional treatment to which children with disabilities are entitled under federal law.

The Supreme Court in 2017 rejected the notion that the Individuals with Disabilities Education Act merely entitles students to trivial, “de minimis” progress, which weakens one of the primary rationales for pursuing AI – that it can meet a minimum standard of care and practice. And since AI really has not been empirically evaluated at scale, it has not been proved that it adequately meets the low bar of simply improving beyond the flawed status quo.

But this does not change the reality of limited resources. For better or worse, AI is already being used to fill the gap between what the law requires and what the system actually provides.

Seth King, Associate Profess of Special Education, University of Iowa

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


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health and wellness

Understanding and Treating Rosacea: What You Need to Know

Rosacea is a chronic skin condition affecting over 16 million Americans, causing facial redness, swelling, and discomfort. Its exact cause is unclear, but triggers include sun exposure and stress. Treatment involves tailored skincare, lifestyle management, and medication. Crescel’s Skin Renewal Cream offers a scientifically-backed solution to manage symptoms effectively.

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(Feature Impact) Rosacea is a chronic skin condition, mainly affecting the face, that causes redness, swelling, pain and changes in appearance. It is estimated that more than 16 million people in the United States have rosacea, according to the National Rosacea Society (NRS), but only about 1 million are under active treatment.

Physical impacts include prominent redness, acne-like bumps and pimples, highly visible enlarged blood vessels, pronounced dryness and unpleasant sensations like stinging, burning, itching and tingling. As many as half of sufferers also experience eye symptoms. Rosacea also affects emotional and social well-being. From lower confidence and self-esteem to avoidance of public contact and social engagements and missed work, the impacts are far-reaching. However, rosacea can be treated and managed.

17795 B 2Learn more about the condition with this information from the NRS and the experts at Crescel, who are transforming rosacea care by harnessing nature and science to heal skin with their Skin Renewal Cream. It holds the NRS’s Seal of Acceptance, and its therapeutic benefits and tolerance have been confirmed in multiple clinical studies.

“Sensitive and easily irritated skin is a common issue for people with rosacea, and harsh products can aggravate the condition,” said Andrew Huff, executive director of the NRS. “That’s why the NRS expertly evaluates skin care and cosmetic products to ensure they are gentle, clinically tested and found to be unlikely to irritate sensitive rosacea skin.”

What causes rosacea?

The exact cause of rosacea is not fully understood. However, research suggests facial redness is often the first step in a chain of skin inflammation. This process may begin when the nerves, blood vessels and immune system don’t work together as they should.

Researchers have also found a microscopic skin mite called Demodex may play a role. These tiny arachnids normally live within hair follicles and oil glands on everyone’s skin, but people with rosacea tend to have higher numbers on the face, which may contribute to irritation and inflammation.

Some studies have found links between rosacea and other health conditions, such as heart disease, digestive disorders, neurological or autoimmune conditions and certain cancers. These findings suggest rosacea may be related to inflammation throughout the body.

What are the most common symptoms?

The most common symptoms of rosacea include:

  • Easy or severe blushing or flushing
  • Persistent redness
  • Bumps and pimples on the skin without blackheads
  • Burning or itching sensation
  • Swelling

Symptoms are different for each person and can change over time. There may be times when symptoms are worse and instances when they become milder.

What triggers a flare up?

Rosacea patients can improve their chances of maintaining remission by identifying and avoiding lifestyle and environmental factors that trigger flare-ups or aggravate the condition.

Common triggers include sun exposure, stress, extreme temperatures, heavy exercise, alcohol consumption, spicy foods and some skin, hair and makeup products.

What causes a flare-up in one person may have no effect on another, making this a highly individualized process. Knowing what triggers your flare-ups can help reduce discomfort, improve treatment results and prevent the condition from getting worse.

17795 C embed2How do you treat rosacea?

Because the signs and symptoms of rosacea vary from one patient to another, treatment is tailored by a physician for each individual case. It typically involves three key elements:

  • Skin care: Committing to a gentle routine using mild, non-irritating products.
  • Lifestyle management: Identifying and reducing exposure to triggers.
  • Medication and other therapies: Combining topical and oral treatments along with laser therapy to target various symptoms.

As the world’s first intelligent therapeutic, Crescel’s Skin Renewal Cream harnesses nature and science to heal skin. The cream contains:

  • Pioneering microemulsion technology that enables continuous delivery of critical cellular nutrients that are essential for skin healing.
  • A unique absorption system, whichallows healing nutrients to easily enter the cell.
  • Mitochondria reboot technologythat restores the mitochondria’s ability to repair dysfunctional skin cells while reinforcing the skin’s natural barrier, reducing the risk of future irritation and flare-ups.

Talk with your dermatologist about your treatment routine and visit crescel.com to learn more about rosacea care.

collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures
SOURCE:
Crescel

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Lifestyle

A Legacy of Service: How family stories shape service

Legacy of Service: Discover how military service creates lasting family legacies across generations. Explore powerful veteran stories from the Veterans History Project, including Pearl Harbor survivors and Code Talkers, and learn how to preserve your family’s service history.

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Last Updated on February 6, 2026 by Daily News Staff

A Legacy of Service: How family stories shape service

A Legacy of Service: How family stories shape service

(Family Features) Major historical events like war or military service make a lasting impact on family identity, values and traditions, often reverberating across multiple generations. Veterans frequently speak about their military units as if they were family, given the unbreakable bonds that develop between comrades. However, for some veterans, “brothers in arms” is more than a figurative turn of phrase. Throughout the 20th century, entire families felt the firsthand effects of war, with multiple generations serving. Brothers enlisted together. A father’s military legacy inspired his children to join up. Sweethearts met and married while in uniform. These stories not only illustrate the experiences of individual veterans but also provide an intimate glimpse into family legacies of military service. Consider the Veterans History Project, a program overseen by the Library of Congress, which collects and preserves the firsthand remembrances of U.S. military veterans and makes them accessible for future generations to better understand veterans’ service and sacrifice. These personal stories encompass original correspondence, memoirs, diaries, photographs and oral history interviews, all offering deeper insight into the long-term impact of military service. Veterans’ narratives are collected by volunteers, and anyone who served from World War I to today can submit their personal story, regardless of whether or not they saw combat. The collections frequently shed light on the importance of family in military experiences. Whether expressed through heartfelt letters home, enduring family legacies of service or the experience of serving alongside loved ones, these stories reflect profound connections. 17596 detail embed2Family Identity During the Cold War, Jennifer McNeill rose from Army Dental Assistant to Command Sergeant Major at the Army Eisenhower Medical Center in Fort Gordon, Georgia. Her collection includes a poignant photograph of her mother sharing images of her four military daughters in uniform, underscoring how family identity and military service are closely connected. Values Military service makes a lasting impression on veterans, shaping the experiences and the values that guide them through life. Ray Chavez is one such example. He was the oldest known Pearl Harbor survivor before his passing in 2018. For most of his life, he remained silent about his experiences, but in 1991, his daughter, Kathleen Chavez, who served in the U.S. Navy during Desert Storm, convinced him to return to Pearl Harbor. That trip marked the first time he spoke openly about his service. Kathleen shared their family’s deep military legacy in her oral history for the Veterans History Project. Traditions Across Generations Serving in the military is a deeply personal journey, but for many veterans, it’s an experience that transcends generations. Bill Toledo enlisted in the Marine Corps in October 1942 at the age of 18. Along with his uncle, Frank Toledo, and cousin, Preston Toledo, he served as a Code Talker transmitting military messages through secret codes. In his oral history, Bill vividly recalled both the challenges of combat during the invasion of Iwo Jima in February 1945, and the treasured moments spent with his uncle. These and many other family stories of military service and remembrance are available to the public at loc.gov/vets.   Photo courtesy of Shutterstock (men looking at scrapbook) Photo courtesy of the Library of Congress (man and woman on park bench) collect?v=1&tid=UA 482330 7&cid=1955551e 1975 5e52 0cdb 8516071094cd&sc=start&t=pageview&dl=http%3A%2F%2Ftrack.familyfeatures SOURCE: Library of Congress

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