Lifestyle
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.
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
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.
At our core, we at STM Daily News, strive to keep you informed and inspired with the freshest content on all things food and beverage. From mouthwatering recipes to intriguing articles, we’re here to satisfy your appetite for culinary knowledge.
Visit our Food & Drink section to get the latest on Foodie News and recipes, offering a delightful blend of culinary inspiration and gastronomic trends to elevate your dining experience.
Food and Beverage
Jack-o’-Lantern Stuffed Peppers Prove Fun Isn’t Just for Pumpkins
These Jack-o’-Lantern Stuffed Peppers give you a Halloween-themed, kid-approved way to put vegetables on the dinner table.
Recipes:
Jack-o’-Lantern Stuffed Peppers
Jack-o’-Lantern Stuffed Peppers Prove Fun Isn’t Just for Pumpkins
(Feature Impact) Jack-o’-lantern carving is a cherished fall tradition – but pumpkins aren’t the only vegetables you can decorate with fun, spooky or scary faces. These Jack-o’-Lantern Stuffed Peppers give you a Halloween-themed, kid-approved way to put vegetables on the dinner table.
Filled with savory ground turkey, brown rice, melty cheese and warm, savory spices, these peppers taste as autumnal as they look. It’s simple to customize the filling to your family’s tastes, and you can even make the meal interactive by inviting kids to choose their own pepper colors and carve their own expressions.
Find more Halloween and seasonal recipes at Culinary.net.
Jack-o’-Lantern Stuffed Peppers
Recipe adapted from AllRecipes
Prep time: 15 minutes
Cook time: 45 minutes
Servings: 4
- 1 teaspoon olive oil
- 1 pound ground turkey
- 3 cloves garlic, minced
- 1/2 medium onion, diced
- 1 teaspoon garlic powder
- 1 teaspoon cumin
- 4 large orange bell peppers
- 1 cup cooked brown rice
- 1 cup grated sharp cheddar cheese
- 2 teaspoons kosher salt
- 1/2 teaspoon ground black pepper
- cayenne pepper, to taste
- cups seasoned tomato sauce, warmed
- Preheat oven to 400 F and coat 9-by-13-inch baking dish with olive oil.
- In skillet, brown ground turkey with minced garlic, onion, garlic powder and cumin until meat is cooked, 4-5 minutes.
- With small knife, cut eyes, nose and mouth into flattest side of each pepper to resemble jack-o’-lantern. Cut around seed pods and remove pepper tops, trimming and discarding any seeds from under stems then setting tops aside. Trim white membranes from inside each pepper and shake out seeds. Place peppers in prepared baking dish.
- In bowl, combine turkey mixture with cooked rice, cheddar cheese, salt, black pepper and cayenne pepper, to taste.
- Divide and stuff mixture into peppers; cover with reserved pepper tops.
- Wrap baking dish loosely with aluminum foil and bake until peppers are tender, about 45 minutes.
- Spoon about 3 tablespoons warm tomato sauce onto each plate; place stuffed peppers on top. Serve remaining sauce on side.
Photo courtesy of Shutterstock
SOURCE:
Lifestyle
How to Manage Symptoms of Heart Failure
Symptoms of Heart Failure: Managing heart failure is a significant expense to the U.S. healthcare system, costing the nation approximately $40 billion in 2020 and expected to increase to approximately $142 billion a year by 2050. If you (or a loved one) are living with the condition, consider these tips to help manage it.
How to Manage Symptoms of Heart Failure
(Feature Impact) Americans are facing a growing health challenge, with 1 in 4 adults at risk of heart failure, according to the Heart Failure Society of America. Additionally, approximately 6.7 million U.S. adults who are 20 years old or older are currently living with heart failure, and that number is projected to reach 8.7 million by 2030.
Managing heart failure is a significant expense to the U.S. healthcare system, costing the nation approximately $40 billion in 2020 and expected to increase to approximately $142 billion a year by 2050.
If you (or a loved one) are living with the condition, consider these tips to help manage it.
Adhere to the Treatment and Follow-Up Plan
Ongoing outpatient care is important when managing heart failure. Understand the treatment plan provided by your healthcare team, make diet and lifestyle changes, take medications as directed and keep recommended follow-up appointments.
Pay attention to changes in symptoms and communicate with your healthcare provider if treatment does not seem to be working as expected. If their conditions are left unmanaged, patients can experience a range of heart-failure-related symptoms such as shortness of breath, fatigue, buildup of fluid and more.
Understand Challenges with Diuretic Treatment
Diuretics help the body remove excess fluid and are commonly used to treat swelling, or edema, associated with heart failure. Your provider may try different diuretics, sometimes referred to as “water pills,” to manage your heart failure symptoms. However, intravenous (IV) diuretic therapy may be required for some patients if symptoms continue.
Ask About Treatment Options Before IV Care Is Needed
For some adults, a healthcare provider may consider recommending an at-home, non-oral diuretic option prior to escalating to IV therapy.
For example, ENBUMYST™ (bumetanide nasal spray) is a prescription diuretic used in adults to treat edema associated with congestive heart failure. It’s administered as a nasal spray for short-term use to manage excess fluid with the goal of transitioning to oral diuretic therapy when appropriate.
Talk with your healthcare provider to learn more and visit enbumyst.com. Read the full Prescribing Information and Patient Information.
Photo courtesy of Shutterstock
Important Safety Information
What is ENBUMYST?
ENBUMYST is a prescription medicine used in adults to treat swelling caused by excess fluid in the body (edema) from congestive heart failure, liver disease, and kidney disease.
What is the most important information I should know about ENBUMYST?
- ENBUMYST is a diuretic that helps your body remove fluid. Losing too much fluid can cause dehydration, low blood volume, and increase the risk of blood clots. Blood abnormalities may include decreased salts (electrolytes), and increased nitrogen, glucose and uric acid. The risk of these abnormalities is higher in elderly people, those using higher doses, or those who do not get enough electrolytes by mouth.
- You should not use ENBUMYST if you have severe electrolyte loss. Tell your healthcare provider if you experience unusual thirst; dizziness or lightheadedness; weakness or tiredness; fast heart rate; dry mouth or tongue; sudden pain; redness or swelling in your joints; pain, swelling, redness, or warmth in your leg; shortness of breath or fast breathing; high blood sugar; dark urine; pale, tight, cool or clammy skin; muscle cramps; confusion.
Do not use ENBUMYST if youhave low or no urine production or are allergic to bumetanide or to any of the ingredients in ENBUMYST.
Before using ENBUMYST, tell your healthcare provider if you have low electrolytes, are on a low-salt diet, have diarrhea, diabetes, nasal problems such as a runny or stuffy nose or polyps, a history of nasal injury or surgery, are or plan to become pregnant, are or plan to breastfeed.
Tell your healthcare provider about all the medicines you take, including prescriptions, over-the-counter medicines, vitamins, and herbal supplements.
ENBUMYST may cause serious side effects, such as worsening kidney function and ringing in the ears or hearing loss.
The most common side effects of ENBUMYST include dehydration, headache, muscle cramps, dizziness, low blood pressure, nausea, and abnormal brain functioning with certain liver problems.
These are not all the possible side effects of ENBUMYST. Talk to your healthcare provider for more information.
Call your healthcare provider for medical advice about side effects. You may report side effects to FDA at 1-800-FDA-1088.
US-ENBU-2600110
SOURCE:
Esperion
financial wellness
Investing in Education: 5 Ways to Prepare Students for the Jobs of Tomorrow
Jobs of Tomorrow: A diploma is still an important milestone, but what matters more than the piece of paper is whether graduates have the knowledge, skills and confidence to take meaningful next steps in pursuing further education or building careers. Students, families, educators, employers and policymakers all have a role to play in cultivating these opportunities.
Investing in Education: 5 Ways to Prepare Students for the Jobs of Tomorrow
(Feature Impact) The landscape of modern work is changing rapidly, leaving many uncertain about whether they’re adequately equipped to face the future. Even though America invests roughly $1 trillion in education every year, it’s difficult to know whether that investment is truly preparing young people for what comes next.
“Our education system isn’t evolving quickly enough to prepare our students for the jobs of tomorrow,” said Amit Sevak, CEO of ETS, a global education and talent solutions organization working with more than 30 million students a year to measure learning success and power human progress at every stage of life. “Students only get one chance at an education, and we have a responsibility to understand what’s working, what’s not and where additional support is needed.”
A diploma is still an important milestone, but what matters more than the piece of paper is whether graduates have the knowledge, skills and confidence to take meaningful next steps in pursuing further education or building careers. Students, families, educators, employers and policymakers all have a role to play in cultivating these opportunities.
Start the Conversation Early
Success isn’t a single path anymore, so young people may benefit from thinking outside the traditional pipeline of high school to college to a good job to retirement. By prompting early conversations, parents can help their children begin sorting through their options well in advance. Encourage dinner table talks about favorite school subjects, what kind of work seems interesting and alternative pathways to build careers. The goal isn’t necessarily to choose a life track immediately – just to start exploring ideas before the time arrives to lock in a decision.
Learn to Work with AI
In the age of AI, there’s a balance to be found between fully embracing or avoiding it. Parents and educators can encourage thoughtful, responsible use of the AI tools reshaping modern workplaces – without sanctioning them as a way to get out of doing homework. Students should think critically about both the uses and limitations of AI, learning how these systems work but still recognizing when human judgment matters.
Get Real-World Experience Before Graduation
Textbooks and classrooms can teach a lot, but some of the most valuable lessons come from the real world. Summer jobs, internships, volunteering, co-op programs, job shadowing or small-scale forays into entrepreneurship can help kids discover where their talents and passions fit. It’s also a chance to develop the soft skills that make great employees, like being punctual, working well with others and adapting to new situations.
Build Human Skills
There are certain abilities technology just can’t replace, making them vital pieces of future-proof training. Strong communication, teamwork mindsets, critical thinking skills, civic reasoning and empathy translate well to many careers. Rather than focusing strictly on academics, teachers can shift lesson plans to encourage growth in these areas. Specialized hands-on talents and trades are also more insulated from technological disruptions.
Measure Progress Beyond Grades
Grades and test scores don’t tell the whole story about career readiness, yet they’re often treated as the only metric that matters in educational success. Policymakers have the opportunity to change how schools measure student progress, including by trading the one-size-fits-all rubrics for more personalized assessments that demonstrate proficiency in more comprehensive ways. Education is on the ballot this election season, so ask your local and state elected leaders about whether today’s graduates are ready to face the future.
For information about a system that gives students, educators and employers clear evidence that learning is leading to opportunity, visit ETS.org.
Photos courtesy of Shutterstock
SOURCE:
ETS
