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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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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.

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Community

Celebrating National Nutrition Month: A Heartfelt Tribute to Nourishing Seniors

On March 19, 2025, Tanner Terrace residents celebrated National Nutrition Month with a community event led by Diana Gregory Outreach Services, focusing on healthy eating and nutrition education for seniors.

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National Nutrition Month,Seniors
Diana Gregory (center) with Pam Giannonatti (L), Angela Banks (R), and nutritionist Debbie Polisky at the Tanner Terrace event. Image Credit: Larry Jones

March 19, 2025, marked a significant day for the residents of Tanner Terrace in Glendale, Arizona, as they came together to celebrate National Nutrition Month. The event, held from 2 PM to 3:30 PM, aimed to emphasize the importance of healthy eating among seniors and featured a special focus on enhancing their nutritional knowledge.

The gathering was organized by Diana Gregory Outreach Services, a non-profit dedicated to enriching lives through healthy eating. Over the years, this organization has worked tirelessly to provide access to fresh produce and nutritional education for low-income seniors, veterans, and vulnerable individuals in the community.

A Flavorful Presentation

The afternoon began with a lively presentation titled Food, Fun, and Fitness, led by certified nutritionist Debbie Polisky. The interactive session engaged residents in discussions about the benefits of balanced nutrition and simple ways to incorporate healthy foods into their diets. Attendees were eager to learn and ask questions, creating a vibrant atmosphere filled with enthusiasm for healthier living.

As a delightful conclusion to the presentation, each of the 100 seniors in attendance received a pre-packed bag of fresh produce from Fry’s Food Stores, complete with recipes and nutritional information. Watching the smiles on the seniors’ faces as they received these gifts was a heartwarming reminder of the impact of community support.

Generous Support from Fry’s Food Stores

At the outset of the event, Diana Gregory was presented with a generous check from Fry’s Food Stores. This contribution is vital for supporting Diana Gregory Outreach Services and its initiatives. Gregory proudly stated, “We have been serving the town for 16 years, and last year alone, we served over 30,000 seniors and veterans. This kind of support is critical to continue our mission.”

Pam Giannonatti, the Corporate Affairs Manager for Fry’s, emphasized their commitment to fighting food insecurity. With initiatives like “Zero Hunger, Zero Waste,” Fry’s aims to provide fresh food not only in their stores but also to those in need within the community. “Last year alone, we were able to provide over 16 million meals to hungry Arizonans,” Girardi remarked, highlighting the company’s dedication to wholesome nutrition and community welfare.

The Mission of Diana Gregory Outreach Services

Diana Gregory Outreach Services has a clear and impactful mission: to enrich lives through healthy eating. By addressing health disparities and championing holistic nutrition and fitness, the organization ensures that vulnerable populations have access to the resources they need to thrive. Their commitment is straightforward but profound: “We have a responsibility to ensure no veteran, senior, and their families in our community go to bed hungry.”

The culmination of the event was not just about handing out fresh produce; it symbolized a community rallying together to support its most vulnerable members. Flyers were distributed to the residents of Tanner Terrace, spreading awareness about future initiatives and encouraging participation in further programs designed to enhance healthy living.

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A Community Commitment

As I observed this event, it became clear that initiatives like these serve a dual purpose: they enrich the lives of seniors by providing them with crucial resources and foster a sense of community among participants. For many seniors, events like these also offer an opportunity to socialize and engage with their neighbors, enhancing their overall well-being.

As National Nutrition Month concludes, the event at Tanner Terrace stands as a shining example of how community partnerships—between organizations, businesses, and residents—can work in harmony to create a healthier future for all. By continuing to support initiatives that prioritize nutrition, we can make a lasting impact on our community’s health and wellness.

In the spirit of National Nutrition Month, let us carry forward the lessons learned and the connections made, ensuring that every member of our community has access to the nourishment they need to lead fulfilling lives.

Related link:

https://dianagregory.com

The Bridge is a section of the STM Daily News Blog meant for diversity, offering real news stories about bona fide community efforts to perpetuate a greater good. The purpose of The Bridge is to connect the divides that separate us, fostering understanding and empathy among different groups. By highlighting positive initiatives and inspirational actions, The Bridge aims to create a sense of unity and shared purpose. This section brings to light stories of individuals and organizations working tirelessly to promote inclusivity, equality, and mutual respect. Through these narratives, readers are encouraged to appreciate the richness of diverse perspectives and to participate actively in building stronger, more cohesive communities.

https://stmdailynews.com/the-bridge

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seniors

Discovering Scottsdale: The Best Place to Retire in the U.S.

Scottsdale, Arizona, has been named the best U.S. city for retirement, praised for its weather, active lifestyle, and quality of life.

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Scottsdale, Arizona. Image Credit: AI

As a record number of Americans prepare to enter retirement in the coming years, many are seeking the ideal location to enjoy their golden years. According to the latest annual report from Niche.com, Scottsdale, Arizona, has emerged as the top city for retirement, praised for its exceptional weather, high quality of life, and vibrant active lifestyle.

In March, Niche.com unveiled its 11th annual Best Places to Live in America list. This comprehensive evaluation included data from the U.S. Census, the Bureau of Labor Statistics, and the CDC, thoughtfully combined with millions of resident reviews. The resulting analysis considered about 230 cities and over 18,000 communities across the nation, assessing factors such as affordability, the housing market, neighborhood diversity, public schools, and walkability.

So, what makes Scottsdale stand out as the ultimate retirement destination? As Zach Chatham, the public relations manager at Niche.com, shares, “Boasting some of the best weather in the United States, Scottsdale is the perfect oasis for retirement.” With an abundance of outdoor activities and numerous health and fitness options readily available, it’s no surprise that this Arizona city is ideal for those wishing to maintain an active lifestyle focused on longevity.

Scottsdale received an A rating overall, indicating its appeal as a place to live. The area is characterized by a dense suburban feel, with a high ownership rate among residents, which enhances the community atmosphere. The median rent is just above $1,900 monthly, while the median home price hovers around $710,000, reflecting the area’s desirability. Additionally, it earned a B+ rating for ethnic and economic diversity, showcasing the welcoming and varied community.

One resident encapsulated the allure of Scottsdale by stating, “Scottsdale, Arizona, is a really cool place with a mix of modern city life and Old West charm.” From breathtaking desert landscapes to culturally rich experiences like hiking Camelback Mountain or indulging in the nightlife in Old Town, there is no shortage of activities to enjoy. Although summers can be quite warm, the winters are pleasantly mild—an attractive factor for those looking to escape harsher climates. Those interested in golf, luxury resorts, or simply a lively atmosphere will find Scottsdale to be a perfect match.

Scottsdale is joined at the top of the list by other notable locations, including Clearwater, Florida; Metairie, Louisiana; St. Petersburg, Florida; and Cape Coral, Florida, rounding out the top five best places to retire.

Moreover, Scottsdale’s reputation as a premier retirement destination is further solidified by WalletHub’s previous rankings, recognizing the city for its high quality of life and abundant recreational activities. With over a quarter of Scottsdale’s residents aged 65 and over, it is clear that this city attracts retirees looking to make the most of their leisure years.

In summary, for those considering relocation during retirement, Scottsdale, Arizona, stands out as a vibrant oasis filled with opportunities for growth, relaxation, and adventure. Whether you’re drawn by the stunning scenery, diverse community, or active lifestyle options, Scottsdale promises an enriching backdrop for living life to the fullest in retirement.

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Related link:

https://www.travelandleisure.com/scottsdale-arizona-named-best-place-to-retire-in-usa-11702130

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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Consumer Corner

Identifying brands as Black-owned can pay off for businesses Draft

A study reveals that labeling restaurants as Black-owned boosts sales and traffic, particularly in liberal areas, highlighting the potential of visibility for minority-owned businesses.

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Oren Reshef, Washington University in St. Louis; Abhay Aneja, University of California, Berkeley, and Michael Luca, Johns Hopkins University

a person holding a sign. Black-owned
Photo by RDNE Stock project on Pexels.com

Labeling businesses as Black-owned can significantly boost their sales, we found in a recent study.

In June 2020, the business-review website Yelp introduced a feature allowing consumers to search for Black-owned restaurants. As professors who study digitization, inequality and the economics of technology, we were interested in understanding its effect. So we analyzed more than two years of data from Yelp.

We found that restaurants labeled as Black-owned saw a 65% increase in online traffic, more searches and calls, and higher sales through food orders and in-person visits. These results suggest that for many Black-owned businesses, a simple change in their visibility can create new opportunities for growth.

However, the impact varied by location. The gains were strongest in politically liberal areas and places with lower levels of implicit racial bias, as measured by regional variation in implicit-association test scores. This suggests that platforms are in part channeling, as opposed to creating, customer demand. Interestingly, white customers drove most of the increase, suggesting the label helped raise awareness of businesses they might not have considered before.

This wasn’t just a 2020 trend – in follow-up analyses, we found similar results among businesses that opted into the feature later. We also collaborated with the online furniture company Wayfair, which launched a “Black Maker” label on its site in 2023, and found that it led to a 57% increase in web traffic. Finally, Yelp rolled out a Latino-owned label on the platform late that year, which led to a similar increase in consumer engagement.

Why it matters

This research has implications for business owners, digital platforms and policymakers. Growing awareness of racial inequality – partially driven by the Black Lives Matter movement, especially after the murder of George Floyd in 2020 — has led to increased corporate and customer interest in supporting minority-owned businesses. It also led many companies to make commitments to promote racial equity.

However, more recently, many companies have dismantled these efforts. For instance, Target recently announced that it was eliminating its program to spotlight Black-owned businesses. Our findings suggest that increasing the visibility of minority ownership – a relatively low-cost change – can substantially improve economic outcomes for Black-owned businesses.

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Our results also show that diversity initiatives aren’t just about warm and fuzzy feelings. Businesses should measure and evaluate their impact to ensure their programs are effective. A well-designed program can benefit the bottom line, while a poorly designed one risks being ineffective or even counterproductive.

So it’s important to acknowledge the potential risks. Past research, including some of our own, indicates that revealing racial identity sometimes can lead to discrimination or backlash. While our findings suggest that labeling can have positive effects, a poorly implemented policy can backfire. Yelp’s initiative design empowered users looking to support Black-owned businesses while allowing other users to continue searching in alternative ways.

That means policy design is crucial. What matters isn’t just what information is revealed, but also how it’s communicated. Our analysis shows that customer demand and preferences vary considerably across locations and demographics, meaning that context also matters.

What still isn’t known

While our research suggests that businesses experienced economic benefits from adopting the label, it’s crucial to understand which policy designs work best in the long run. For instance, Yelp’s program used an opt-in feature, which may have contributed to its success.

However, open questions remain. How are platforms affected by labeling businesses? What other types of labels might be impactful, and for which types of businesses? Could some interventions backfire?

Another key question is, which customers respond to racial identity disclosures? Recent advances in data analytics can help companies refine their strategies, making it easier to target the right consumer groups for more effective initiatives.

Ultimately, our study is a step toward understanding how transparency and visibility can shape economic outcomes. It highlights a diversity initiative that has benefited both customers and businesses, and provides a road map for companies that want to design initiatives that matter. And, more broadly, it speaks to a question facing all companies: How can companies better understand and shape their societal footprint?

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The Research Brief is a short take about interesting academic work.

Oren Reshef, Assistant Professor of Strategy and Entrepreneurship, Washington University in St. Louis; Abhay Aneja, Assistant Professor of Law, University of California, Berkeley, and Michael Luca, Director, Technology and Society Initiative, Carey Business School, Johns Hopkins University

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


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