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.
(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
Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
News
How healthy is Sodastream?
The SodaStream Sparkling Water Maker is a device that forces carbon dioxide (CO2) gas (stored under pressure in a cylinder) into water, making it sparkling (fizzy)
Sodastream machines have been gaining popularity in recent years as an alternative to store-bought soft drinks. Not only are they more environmentally friendly, but they also offer several health benefits compared to traditional sodas.
Reduced Sugar Intake
One of the most significant health benefits of using a Sodastream machine is reducing sugar intake. Traditional sodas are loaded with sugar, and excessive sugar intake can lead to weight gain, obesity, and other health problems such as Type 2 diabetes. With a Sodastream machine, you can control the amount of sugar you add to your drink, allowing you to enjoy a refreshing beverage without the harmful effects of excessive sugar consumption.
No Artificial Sweeteners
Many store-bought soft drinks contain artificial sweeteners, which can have negative health effects such as headaches and digestive problems. Sodastream machines, on the other hand, allow you to use natural sweeteners such as fruit extracts, honey or agave nectar, giving you a healthier and more natural alternative.
No Preservatives
Another advantage of using a Sodastream machine is that you can avoid preservatives commonly found in store-bought soft drinks. Preservatives such as sodium benzoate and potassium sorbate have been linked to health problems such as cancer and allergies. By making your own drinks, you can avoid these harmful additives and enjoy a healthier, preservative-free beverage.
Eco-Friendly
In addition to the health benefits, using a Sodastream machine is also environmentally friendly. Traditional soft drinks are packaged in plastic bottles or cans, which contribute to environmental pollution. With a Sodastream machine, you can reuse the same bottle multiple times, reducing waste and helping to reduce your carbon footprint.
Variety
Finally, Sodastream machines offer a wide variety of flavors and options, allowing you to customize your drink to your liking. You can mix and match different flavors or create your own unique blends, giving you a healthier and more enjoyable alternative to traditional sodas.
In conclusion, Sodastream machines offer several health benefits compared to traditional store-bought soft drinks. By reducing sugar intake, avoiding artificial sweeteners and preservatives, and being eco-friendly, they offer a healthier and more sustainable alternative to traditional soft drinks. Moreover, with a wide variety of flavors and options, you can customize your drink to your liking, making it a fun and enjoyable way to stay healthy.
Food and Beverage
Harness Peanut Power for Improved Cognitive Health
A healthy brain goes beyond reading exercises and completing puzzles – it extends to the kitchen, too. Emerging nutritional science is clear that what people eat doesn’t just fuel the body; it shapes memory, mood and cognitive health.
(Feature Impact) A healthy brain goes beyond reading exercises and completing puzzles – it extends to the kitchen, too. Emerging nutritional science is clear that what people eat doesn’t just fuel the body; it shapes memory, mood and cognitive health.
Among the foods you can include in your diet to give your brain a boost are peanuts and peanut butter, staples valued not only for their convenience but also for their cognitive benefits. In fact, a study published in the “Journal of the Prevention of Alzheimer’s Disease” found adults 60-80 years old who did not eat peanuts and peanut butter regularly were 30-50% more likely to perform poorly on tests measuring learning, memory, language, processing motor speed and attentiveness compared to those who did consumer peanuts and peanut butter.
It’s not just the older generation that can benefit. According to research published in “Clinical Nutrition,” a study of college students ages 18-33 showed consumption of peanuts and peanut butter was associated with improved memory function and decreased anxiety, depression and stress.
Consider this key information from the Georgia Peanut Commission before your next meal planning session.
Nutrients that Give the Brain a Boost
Despite their small stature, peanuts pack a nutrition punch. Their unique blend of various vitamins, minerals and bioactive compounds includes:
- Niacin, which can slow cognitive decline and reduce the risk for Alzheimer’s disease, according to the “Journal of Neurology, Neurosurgery and Psychiatry”
- Vitamin E, found to promote healthy brain aging and delay cognitive decline
- Resveratrol, believed to be beneficial in fighting against Alzheimer’s disease and other nerve degenerating diseases, per the “Journal of Biological Chemistry”
- P-coumaric acid, an antioxidant that appears to target the neurotransmitters in the brain that regulate mood, stress and anxiety
Peace of MIND
Peanuts are included in the MIND diet, a combination of the Mediterranean and DASH diets, which specifically includes foods shown to benefit the brain.
Adding peanuts to your menu can be a breeze. Look no further than a powerful main course like Crunchy and Creamy Cold Green Pea and Peanut Salad, a perfect accompaniment at potlucks and cookouts as an easy side or light main course.
Brain Food for Thought
Supporting your brain starts with the right nutrition, and evidence makes clear peanuts and peanut butter should be top-of-mind as you head to the grocery store. For help getting started, find more recipes and nutritional information by visiting GAPeanuts.com.
Crunchy and Creamy Cold Green Pea and Peanut Salad
Recipe courtesy of The Peanut Institute
Servings: 8
Dressing:
- 1/3 cup sour cream
- 1 1/2 tablespoons mayonnaise
- 2 teaspoons apple cider vinegar
- 2 teaspoons sugar
Salad:
- 1 package (20 ounces) green peas, frozen
- 1 cup celery, chopped
- 1/3 cup red onions, chopped
- 1 cup dry roasted peanuts
- 6 slices thick cut bacon, cooked and crumbled
- 1 pinch salt, or to taste
- 1 pinch freshly ground black pepper, or to taste
- To make dressing: In small mixing bowl, whisk sour cream, mayonnaise, apple cider vinegar and sugar.
- To make salad: In large mixing bowl, combine frozen green peas, celery and onion. Pour dressing over salad and toss to combine. Refrigerate at least 2 hours.
- Before serving, stir in roasted peanuts and crumbled bacon. Season with salt and freshly ground black pepper.
Nutritional information per serving: 230 calories, 17 g carbohydrates, 12 mg cholesterol, 3 g saturated fat, 9 g unsaturated fat, 5 g fiber, 11 g protein, 249 mg sodium, 6 g sugar, 1 g added sugar.
SOURCE:
STM Daily News’ Food and Drink section highlights the stories, trends, flavors, and events shaping today’s food culture. From recipes to restaurant news, it keeps readers connected to what’s fresh and worth tasting.
child education
When School’s Out, Community Steps In
Community: The joy of being a kid on summer vacation offers a time to explore with your friends, discover new things about the world and yourself and recharge for a few months before heading back to school in the fall. However, for millions of families, the end of the school year also marks the beginning of a stressful season filled with tough choices, as children can fall behind in the months away from the classroom.
(Feature Impact) The joy of being a kid on summer vacation offers a time to explore with your friends, discover new things about the world and yourself and recharge for a few months before heading back to school in the fall. However, for millions of families, the end of the school year also marks the beginning of a stressful season filled with tough choices, as children can fall behind in the months away from the classroom.
The summer gap begins when the school doors close and many children lose access to the daily routines, educational support and dependable nutrition that help them thrive. For families already juggling tight budgets and demanding schedules, summer can quickly become a season of added pressure and stress.
Summer learning loss – or the decline in academic skills and learning during the school break – can have a lasting impact on academic outcomes. Studies show over the summer, students can forget 20-30% of what they learned during the school year. Without the right support, students often start the new school year playing catchup, which can cause them to fall further behind.
Summer can also intensify food insecurity. Of the more than 22 million kids who rely on free or reduced-priced school meals, many lose access to these vital programs over the summer. When those meals disappear, families must stretch already limited budgets to cover up to 10 additional meals a week per child. In fact, recent United Way Worldwide data from 211 – the free 24/7 helpline that connects people with local resources – identified food access as one of the most pressing needs facing millions of families nationwide.
These overlapping pressures fall especially hard on millions of working families living paycheck to paycheck, including ALICE (Asset Limited, Income Constrained, Employed) households. They earn above the federal poverty level but still struggle to afford basic expenses like housing, medicine, food and transportation.
Addressing the summer gap requires a community-wide approach and solutions that meet hardworking families where they are. For example, United Way Community Schools are community-based hubs that bring together schools, social services agencies, volunteers and other community partners to provide students and families with essential support like tutoring, food access and health and wellness resources.
Families also need easy, practical, daily tips and local resources to make ends meet and help their kids stay on track.
Learning that Fits Your Day
For busy families, low- or no-cost learning moments that fit into packed schedules can make a real difference. Many communities and nonprofits offer dedicated programs to keep children active and learning during the summer, such as:
- Summer art classes, creative writing workshops and digital literacy tutoring at local libraries
- Free monthly book deliveries and reading challenges through Dolly Parton’s Imagination Library – a United Way partner – or book exchanges at Little Free Libraries in high-traffic areas
- Gardening classes, nature appreciation classes and swim lessons through local parks and recreation departments
- Free weekly youth workshops offered by many public museums, zoos and botanical gardens
- Free virtual museum field trips through institutions like the Smithsonian and NASA Glenn Research Center
- Free online courses in topics ranging from coding to art or language learning
Accessing Your Community’s Food Network
Families shouldn’t have to choose between nutritious food and other essentials. Help is available to ensure kids have the nutrition needed to thrive over the summer. While resources vary by community, examples include:
- Youth-serving organizations serving as open summer meal sites, offering free breakfast and lunch to kids and teens
- City parks departments offering daily meal stations
- School districts offering summer meal programs; food delivery may be an option
- Local places of worship hosting open-door meal programs or distributing weekend grocery bags for families
For those looking to make a difference this summer, consider lending a hand to help children and families. Volunteering is a rewarding way to give back to your community. Whether it’s mentoring, serving meals, reading with students or supporting local programs, even a small time investment can make a lasting impact. After all, when families thrive, communities thrive.
To learn more about childhood summer learning programs, food initiatives and ways to support your community, visit unitedway.org.
SOURCE:
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
