Lifestyle
Your Medicare Roadmap: What to Know Before You Turn 65
Sixty-five is more than a number. It’s a milestone. A moment to reflect on where you’ve been and look forward with confidence to what comes next. For millions of Americans, turning 65 also means unlocking one of the most valuable benefits you’ve earned: Medicare.
Last Updated on July 1, 2026 by Daily News Staff
(Feature Impact) Sixty-five is more than a number. It’s a milestone. A moment to reflect on where you’ve been and look forward with confidence to what comes next. For millions of Americans, turning 65 also means unlocking one of the most valuable benefits you’ve earned: Medicare.
The best is still ahead, and it starts with knowing your options. The official source for Medicare information, Medicare.gov, is here to help with clear, trusted information.
The path to Medicare is not the same for everyone. Some people get Medicare automatically and others have to sign up. It depends on whether you are already getting Social Security. Either way, you’ll want to choose how you get your Medicare coverage.
Get information for your path at Medicare.gov, where you can find out when and how to enroll and explore your coverage options.
Understanding Your Medicare Coverage Options
When you first sign up for Medicare, you choose how to get your coverage. There are two main options: Original MedicareandMedicare Advantage.
Original Medicare is health coverage provided directly by the federal government. It has two parts:
- Part A (Hospital Insurance) covers inpatient hospital stays, skilled nursing facility care, hospice care and home health care. Most people pay no premium for Part A.
- Part B (Medical Insurance) covers doctor visits, outpatient care, preventive services (like screenings, vaccines and annual wellness visits) and durable medical equipment like wheelchairs and walkers. The standard Part B premium is $202.90 per month and is typically deducted from your Social Security check.
With Original Medicare, you can visit any doctor or hospital in the U.S. that accepts Medicare. You can also add optional coverage to help manage costs:
- Medigap (Supplemental Insurance) helps pay your share of Medicare costs.
- Part D (Prescription Drug Coverage) helps pay for medications.
Medicare Advantage is an alternative to Original Medicare that provides Part A and Part B and is offered by private insurers approved by Medicare. You still pay the Part B premium. Some plans charge an additional premium – though many carry a $0 plan premium and may even help cover part of your Part B cost. Most plans include in Part D drug coverage along with extra benefits like dental, vision and hearing. Keep in mind most plans require you to use doctors within the plan’s network.
5 Steps to Enroll with Confidence
- Use official sources. Go to Medicare.gov or call 1-800-MEDICARE for step-by-step, personalized guidance on coverage and enrollment.
- Start early. You don’t have to wait until your birthday. Explore your options now so you’re ready when your enrollment window opens.
- Know your enrollment path. Your path depends on your circumstances – some people are automatically enrolled and some are not. There are unique steps for people who are still working.
- Avoid late enrollment penalties. Missing your enrollment window can result in a permanent premium penalty for both Part B and Part D. Signing up on time protects your wallet for years to come.
- Compare plans and save. At Medicare.gov, you can compare plan costs side-by-side, based on the specific drugs you take. A quick comparison could save you money each year. You can also confirm your current doctors are in-network before you choose a plan.
Turning 65 is a milestone worth celebrating and it’s the perfect time to focus on what matters most: your health and well-being. That includes eating well, exercising and making sure you have health insurance that fits your needs. There’s no one-size-fits-all plan. What’s important is finding an option that works for you and your health and financial needs.
Start your journey at Medicare.gov – your roadmap to a healthier and confident future.
Information provided by the U.S. Department of Health and Human Services
Photos courtesy of Shutterstock
SOURCE:
Centers for Medicare & Medicaid Services
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Family
Teach and Inspire Your Kids by Exploring History as a Family
History as a Family: During back-to-school season, education is naturally at the forefront of most parents’ minds. While a lot of important learning is accomplished in the classroom, there are so many opportunities to continue challenging and developing children’s minds and hearts in family life as well.
Teach and Inspire Your Kids by Exploring History as a Family
(Feature Impact) During back-to-school season, education is naturally at the forefront of most parents’ minds. While a lot of important learning is accomplished in the classroom, there are so many opportunities to continue challenging and developing children’s minds and hearts in family life as well. Learning about history together is a practical way to inspire deep, meaningful conversations about the world, whether from books, documentaries or visits to museums.
Watch this video to learn more
Now is an opportune time to explore the story of Anne Frank, a Jewish teenager evading Nazi capture during the Holocaust. Families can read her famous diary together then visit “Anne Frank The Exhibition,” presented by the Anne Frank House at the Griffin Museum of Science and Industry. This comprehensive exhibition immerses visitors in the context that shaped Frank’s life, from her early years in Frankfurt through her tragic death and how her father ensured her legacy. The centerpiece is the first full-scale recreation of the Annex where the Frank family and four other Jews hid during the Nazi occupation of the Netherlands. The exhibition, recommended for visitors ages 10 and older, is open through early 2027.
No matter what piece of history families choose to delve into together, they should take the time to discuss with their kids what they’re thinking and feeling about everything they’re discovering. Then together they can figure out what lessons from the past can be taken into the future.
“Anne Frank ’s story is a powerful reminder of what happens when fear and hatred are
allowed to take root,” said Dr. Chevy Humphrey, Griffin Museum of Science and Industry
president and CEO. “At the same time, it reveals the quiet but enduring strength of
curiosity, creativity and resilience, values that sit at the heart of our mission. We hope this
exhibition offers meaningful moments of reflection for our guests, particularly young
people, and encourages them to think critically about their role in the world they are
inheriting.”
Learn more about the exhibit and other experiences that bring history and science to life at GriffinMSI.org.
SOURCE:
Griffin Museum of Science and Industry
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Lifestyle
If You’re Feeling Stressed by Pricey Meds, Pharmacists Can Help
Stressed by Pricey Meds? If your wallet is feeling the squeeze of prescription drug costs as other living expenses like grocery and energy prices rise, you’re not alone. That’s where a powerful ally can help you manage drug costs: a health-system pharmacist.
If You’re Feeling Stressed by Pricey Meds, Pharmacists Can Help
(Feature Impact) If your wallet is feeling the squeeze of prescription drug costs as other living expenses like grocery and energy prices rise, you’re not alone.
More people are worrying about affording essential medications these days. In fact, more than 40% of adults said they skipped doses or didn’t fill prescriptions in the past year due to cost, according to a KFF Health survey.
People who take multiple drugs to manage chronic conditions often feel this pinch even more severely. They’re also more likely to make more frequent visits to their clinic or health system for care. That’s where a powerful ally can help them manage their drug costs: a health-system pharmacist.
These medication experts work side-by-side with the clinicians who prescribe drugs in health care practices – and sometimes prescribe medications themselves. Their deep knowledge can help people get the most out of the drugs they take.
“Pharmacists really know the full picture of medications, including pricing, insurance coverage, alternative therapies and potential side effects,” said Lindsey Amerine, PharmD, chief pharmacy officer for the Cleveland Clinic. “That’s why it’s helpful to not only count on your doctor to diagnose your condition and prescribe therapies, but also your pharmacist to optimize your medications.”
Get a Comprehensive Review of Your Medications
Asking the pharmacist on your health-system care team to go over your medications may reveal opportunities to save, Amerine said. Health-system pharmacists are uniquely qualified to provide this service because they keep close track of medication costs as well as approvals of new drugs and how those compare to older options.
A full review might reveal:
- Drugs once needed may not be as useful anymore. People often continue taking medications unaware that something new could offer greater benefits or their condition no longer requires the same therapy.
- Changes in your condition may mean you could safely take a lower dosage of a drug, thereby reducing costs.
- There may be less costly alternatives that would work as well such as a generic or older medication.
Get Help Exploring Discount Options
You’ve probably heard about programs that can help lower prescription costs, including discount and patient assistance programs. Pharmacists can help you understand how to navigate these programs and access potential discount programs and opportunities, Amerine said. Here’s how:
- Pharmacists can guide you through discount programs your health system offers.
- They can check your eligibility for drug maker discounts and help you understand how those discounts work with your insurance, especially if you have a high-deductible plan.
- Pharmacists can help you navigate the various prescription cost-savings programs and how they work.
- They can also help you learn about patient assistance programs that provide free or discounted medications to people who cannot afford them.
Medications are a vital part of your health care. Before you try to stretch a costly medicine or give it up altogether, talk to the medication expert on your health care team: your health-system pharmacist. For more information, visit yourpharmacist.org.
Why It Pays to Talk Meds with a Pharmacist
“My doctor prescribed it, so I must need it.” Often this is true, but not always. People sometimes take drugs longer than they need to, at doses higher than necessary or that may interact with other medications.
Just as you’d see a heart specialist about an odd pulse rate, it can help to see a pharmacist – your medication specialist – to discuss your prescriptions.
Of all health care professionals, pharmacists have the deepest knowledge of drug interactions and safety issues. They’re experts on how the effectiveness of different medications – brand name and generic – compare. They also closely track changes in prices and know when a drug’s cost has dropped or if an effective, less costly alternative is available.
Health-system pharmacists’ expertise is especially helpful for those with multiple chronic conditions who typically take several medications with more benefits, costs and side effects to balance.
Talking with a pharmacist can ensure your prescriptions are best for you and that you have access to the most affordable options.
SOURCE:
American Society of Health-System Pharmacists
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Health
Is Vaping Really Safer Than Smoking? Here’s What You Should Know
Vaping may expose users to fewer harmful chemicals than cigarettes, but it isn’t risk-free. Here’s what you should know about the health risks, side effects, and potential benefits of switching from smoking to vaping.
Over the past decade, vaping has become a common alternative to traditional cigarette smoking. While many people view e-cigarettes as a “healthier” option, the reality is more complicated. Experts generally agree that vaping exposes users to fewer harmful chemicals than burning tobacco, but that doesn’t mean it’s risk-free.
Unlike traditional cigarettes, vaping devices heat a liquid—often containing nicotine, flavorings, and other chemicals—into an aerosol that users inhale. Because there is no combustion, vaping eliminates many of the toxic substances produced by cigarette smoke, including tar and carbon monoxide. However, users are still exposed to potentially harmful chemicals and ultrafine particles that can affect the lungs and cardiovascular system.
Known Health Risks
Research has linked vaping to several potential health concerns, including:
- Nicotine addiction
- Increased heart rate and blood pressure
- Lung irritation, coughing, and wheezing
- Exposure to chemicals such as formaldehyde and heavy metals
- Possible long-term effects on heart and lung health that are still being studied
In addition, nicotine can affect brain development in adolescents and young adults, making vaping especially concerning for younger users.
Is It Better Than Smoking?
For adults who already smoke cigarettes, many public health experts believe that completely switching to regulated nicotine vaping products is likely less harmful than continuing to smoke traditional cigarettes. That’s because cigarette smoke contains thousands of chemicals, including dozens known to cause cancer.
However, vaping is not considered safe. The greatest health benefits come from quitting nicotine altogether. People who both vape and continue smoking cigarettes may see little reduction in health risks.
Common Side Effects
Some people who vape report:
- Dry mouth
- Sore throat
- Coughing
- Headaches
- Dizziness
- Nausea
- Sleep disturbances related to nicotine
The Bottom Line
If you don’t smoke, health experts recommend that you don’t start vaping. For smokers trying to quit, vaping may reduce exposure to many of the harmful chemicals found in cigarettes—but it should be viewed as a potential harm-reduction tool rather than a harmless habit.
Whether you smoke, vape, or are trying to quit, talking with your healthcare provider about evidence-based smoking cessation options can help you find the approach that’s right for you.
Your health is worth investing in—every step away from tobacco is a step toward a healthier future.
Related Links
- FDA — E-Cigarettes, Vapes and Other Electronic Nicotine Delivery Systems — Information about e-cigarettes and vaping products regulated by the U.S. Food and Drug Administration.
- Smokefree.gov — What We Know About Electronic Cigarettes — National Cancer Institute information about vaping, nicotine, potential health risks, and smoking cessation.
- American Lung Association — E-Cigarettes and Vaping — Resources covering vaping’s potential effects on lung health and nicotine addiction.
- American Lung Association — E-Cigarettes and Lung Health — A closer look at what researchers know about vaping and lung health.
- Smokefree.gov — Quit Vaping Resources — Practical information for people who want to stop vaping, including managing cravings and nicotine withdrawal.
💪 Your health journey starts here! Explore the latest health news, fitness tips, wellness trends, and healthy living advice. Share your thoughts in the comments and subscribe to the STM Daily News newsletter to stay informed and inspired every day.
