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

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.

(Family Features) Colder weather brings a change in seasons and often an uptick in flu and COVID-19 cases. The viruses that cause COVID-19 and flu keep changing and infecting thousands of people each year, with older adults being most at risk. The vaccines are updated to provide protection against the viruses currently circulating in communities.

Older Adults

“Vaccines are the best way to prevent serious illness from flu and COVID-19,” said Dr. Nirav D. Shah, principal deputy director of the U.S. Centers for Disease Control and Prevention (CDC). “People who get flu or COVID-19 after getting vaccinated are much less likely than those who did not get a vaccine to get very sick or go to the hospital.”

Here are answers to commonly asked questions about flu and COVID-19 vaccines from the U.S. Department of Health and Human Services Risk Less. Do More. public education campaign.

Which older adults should get vaccinated? The CDC says all people ages 6 months and older should get updated 2024-2025 COVID-19 and flu vaccines. Adults ages 65 and older have the greatest risk of sickness or having to go to the hospital from infection. Getting these vaccines is important for older people who live in nursing homes or other places where a lot of people live together and viruses can spread easily.

When should older adults get vaccinated? The best time to get the flu and COVID-19 vaccines is in September and October. If that’s not possible, then getting vaccinated later in the fall and winter can still help limit serious symptoms. Getting these vaccines early is not recommended given that immunity may start to wane just as respiratory viruses usually peak.

Can older adults get the flu and COVID-19 vaccines together? It is safe for older adults to get both the flu and COVID-19 vaccines at the same time. For most people, it’s also simpler to get them during the same visit. Getting the vaccines in different arms is recommended.

Why should older adults get vaccinated? Vaccines are the best way to protect yourself from serious sickness and death. Older adults have a higher risk of serious illness. As people grow older, their immune systems tend to weaken, and older adults are more likely to have pre-existing health issues that may put them at higher risk. Most people who end up in the hospital for flu orCOVID-19 are older adults – especially older adults who have not been vaccinated. More than 95% of adults who went to the hospital for COVID-19 last year had not gotten the updated vaccine.

What should people who support older adults with their health care decisions know? Flu and COVID-19 vaccines help people risk less severe illness and do more of what they enjoy. Yet many people are unaware of the benefits of these vaccines. That’s why it’s important that people talk with their older family members about getting flu and COVID-19 vaccines this season.   

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Talk to your doctor about the updated flu and COVID-19 vaccines as well as treatment options. You can also learn more at cdc.gov/RiskLessDoMore.

Photos courtesy of Shutterstock

SOURCE:
United States Department of Health and Human 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.

Greetings, stargazers! If you missed the breathtaking display of the Northern Lights this past Thursday or are simply craving another celestial spectacle, there’s an unmissable show taking place in the night sky right now—Comet Tsuchinshan-ATLAS. Also known as C/2023 A3, this comet has recently made its closest approach to Earth, and it’s treating us with a glorious exhibition as it makes its way across the post-sunset western horizon.

When and Where to Look

Tonight, Sunday, October 13th, is the perfect opportunity for observers in the northern hemisphere to catch a glimpse of Comet Tsuchinshan-ATLAS. Approximately 45 minutes after sunset, keep your eyes peeled toward the western horizon. Although it’s close to reaching its intrinsic brightest, spotting the comet just after sunset could be challenging due to fading twilight. However, don’t let the bright, 83%-lit waxing gibbous moon discourage you, as its brightness won’t interfere with your viewing.

How to Spot the Comet

Using some well-known celestial reference points can help you locate the comet. First, ensure you have a clear view of the western horizon. Find the bright planet Venus and the bright star Arcturus—they will be close to the horizon. Comet Tsuchinshan-ATLAS will be situated slightly below a midpoint between these two brilliant points.

Although you might be able to spot the comet with your naked eyes, a pair of binoculars will enhance your view. The comet will rise a little higher in the sky this weekend compared to previous nights, providing a clearer view. Still, the observing window will be relatively short as the comet will quickly sink below the horizon again.

Upcoming Opportunities

If you’re unable to view the comet tonight, don’t worry. According to Sky & Telescope, the comet-watching conditions will improve as we move into the next week. Monday, October 14th, and Tuesday, October 15th are projected to offer the best viewing experiences since the comet will appear against a darker sky. Be sure to check back for our detailed viewing guides for those nights.

It’s important to note that comets—and weather conditions—can be unpredictable, so take advantage of clear skies whenever possible.

A Glimpse into History

Comet Tsuchinshan-ATLAS is more than just a fleeting celestial visitor; it’s an extraordinary long-period comet that hails from the Oort Cloud, the distant sphere of icy bodies that encircles our solar system. This comet makes an incredibly rare journey into the inner solar system only once every 80,000 years—a historic event to witness!

Discovered in early 2023 by astronomers from China’s Tsuchinshan Observatory, with its presence confirmed by the ATLAS telescope in South Africa, Comet C/2023 A3 represents both scientific curiosity and natural beauty.

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Stay tuned to our astronomy section here https://stmdailynews.com/science/astronomy/

If you want more comet news, visit Earth-Sky: https://earthsky.org/astronomy-essentials/visible-planets-tonight-mars-jupiter-venus-saturn-mercury/

The science section of our news blog STM Daily News provides readers with captivating and up-to-date information on the latest scientific discoveries, breakthroughs, and innovations across various fields. We offer engaging and accessible content, ensuring that readers with different levels of scientific knowledge can stay informed. Whether it’s exploring advancements in medicine, astronomy, technology, or environmental sciences, our science section strives to shed light on the intriguing world of scientific exploration and its profound impact on our daily lives. From thought-provoking articles to informative interviews with experts in the field, STM Daily News Science offers a harmonious blend of factual reporting, analysis, and exploration, making it a go-to source for science enthusiasts and curious minds alike. https://stmdailynews.com/category/science/

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