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- If Your Are 65 or Older, Read This ASAP!
Are you 65 years of age or older and looking for a new or updated Medicare Part D plan? Are you unsure of where to start or who to review with? Maybe you haven’t heard of a Part D plan or are unsure of what it is? Medicare Part D covers prescription drug costs, both generic and brand name, and can be reviewed each year during the open enrollment period. Open enrollment for Medicare Part D is every year from October 15 to December 7 and here at your local pharmacy, we can answer any questions you may have about choosing the perfect plan to fit your needs. What is Open Enrollment? Open enrollment is a set time frame, in this instance for Medicare Part D, where you are able to join, switch, or drop a plan depending on your eligibility. The Open Enrollment period for Medicare Part D beings on October 15 and lasts until December 7 each year. During this time, you can join, switch, or drop a plan, with coverage beginning on January 1 if the plan is requested by December 7. You are able to make as many changes as you would like during those weeks, however, to avoid any enrollment problems, it’s typically recommended to make as few changes as needed. When am I Eligible for Medicare Part D? Initial Enrollment Period (IEP) begins 3 months before you turn 65 and ends 3 months after you turn 65 or begins 3 months before your 25th month of getting Social Security or Railroad Retirement Board (RRB) disability benefits and 3 months after that time. You also must already have Medicare Part A and/or Medicare Part B in order to join a separate Medicare drug plan (Part D), must be a United States citizen or lawfully present in the United States. What Can I do During Open Enrollment Period? During the open enrollment period of October 15 – December 7, you are able to do the following: Change from Original Medicare to a Medicare Advantage Plan Change from a Medicare Advantage Plan back to Original Medicare Switch from one Medicare Advantage Plan to another Medicare Advantage Plan Switch from a Medicare Advantage Plan that doesn’t offer drug coverage to a Medicare Advantage Plan that offers drug coverage Switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage Enroll in a Medicare Part D plan if you didn’t enroll when you first became eligible for Medicare Switch from one Medicare drug plan to another Medicare drug plan Drop our Medicare drug coverage completely. If you have any questions about how to do any of these options, stop into your local pharmacy or give us a call to set up a review time that works best for you. During this time, the pharmacist will answer any questions you have pertaining to Medicare Part D Open Enrollment. Four Signs You Should Change Your Medicare Part D Plan Each year it’s a good idea to review your plan and see if it still fits your needs. Here are some signs to be aware of when considering changing your plan. 1. Plan formularies change from year to year Part D plans have formulary to help place various medications into different tiers. The lower the tier, the lower the copay, whereas the higher the tier the higher the out-of-pocket costs. These tiers can change from year to year so it’s important to review what medications you are taking and what tiers they fall under. 2. Your medication needs have changed If you are taking new medications, there’s a good chance that there’s a better plan that you can choose so you get a better deal! For example, let’s say you are paying a high price on a premium for a plan that places your medications on a low tier. If you switch to a generic, cheaper version of that medication, you may have a lower premium. Or, if your current plan has placed your medication in a high tier, you can see if there’s a different plan that has the same medication under a low tier. 3. Some pharmacies included in your plan’s network aren’t convenient for you Most Part D plans require enrollees to fill prescription at in-network pharmacies. However, if you use an out-of-network pharmacy you more than likely will end up paying full price for the medication. If this is the case and you don’t have a conveniently located pharmacy that is in-network, it may be a good idea to review your Part D options. 4. You’re paying a high premium for a plan you don’t use often You may be paying for a Part D plan that has better coverage with a higher premium, but you might not have any regular prescriptions that need to be filled. If this is the case, you should consider looking at a different plan that has a lower cost. Once you have reviewed your current plan and see that you may want to make changes based on those four tips, you will want to search for a plan that fits whatever your needs may be. We are Here to Help! If you are considering changing your Part D plan based on the information you have read, or maybe just need help understanding what prescription drugs you are taking and what plan covers what, we are here to help! Our team is dedicated to you and will answer any questions you have regarding Part D open enrollment and help you choose a plan that will work best for you. We provide in-depth reviews of the current plan you are enrolled in as well as other plan options that you could consider. Even if you are not wanting to change your current plan, it is always a good idea to review the medications you are currently taking to ensure you are keeping the best plan possible for your needs. Sources: https://www.medicare.gov/sign-up-change-plans/joining-a-health-or-drug-plan https://www.medicareresources.org/medicare-open-enrollment/# https://www.medicareinteractive.org/get-answers/medicare-prescription-drug-coverage-part-d/medicare-part-d-enrollment/changing-part-d-plans https://www.healthmarkets.com/resources/medicare/when-is-the-medicare-part-d-open-enrollment/ https://www.medicareresources.org/medicare-benefits/four-signs-you-need-a-new-medicare-part-d-plan/#formulary https://www.nerdwallet.com/article/insurance/medicare/what-is-medicare https://www.medicareresources.org/states/ https://www.medicare.gov/drug-coverage-part-d/how-to-get-prescription-drug-coverage https://blog.medicaresolutions.com/open-enrollment-checklist/
- Think You Know EVERYTHING About the Flu? Think Again
Kids are heading back to school, fall is almost here (along with everything pumpkin), and that can only mean one thing: It’s time to start talking about flu season again. The flu virus doesn’t usually start circulating until the end of the year, but it’s important to get vaccinated in the fall to give your body time to learn how to fight off the disease if exposed. There is a lot of information at our fingertips, and not all of it is correct…and even when we find the right sources, it can be hard to sort through all that info to figure out what is correct for what our symptoms are and how to treat whatever it is we caught. If you have questions about the flu or any other illness you may be experiencing, make sure you are turning to trusted healthcare providers for your answers. Is it true that the flu…? There are more flu myths out there than we can easily count, and that was BEFORE medical misinformation began to spread on social media like wildfire. We’ve rounded up just a few popular ones here to debunk. Is it true that I can get the flu from getting the flu shot? ¹ No! Flu vaccine given with a needle are inactive (killed) while nasal spray is live; the live vaccine has been weakened to the point it cannot cause an infection. After getting the vaccine, you may experience some flu-like symptoms. This is your body learning how to fight off the real disease by encountering the vaccine in your system. You can also still get the flu after getting vaccinated (but the vaccine often makes it less severe); this is especially true in the two weeks after getting your shot as your body takes some time to reach maximum immunity. Is it true that I shouldn’t get the flu shot if I’m pregnant? ¹ No! Pregnant women actually have a higher risk of having complications if they contract the flu, meaning that getting vaccinated is even more important. On top of that, the vaccine can help protect the baby as well for several months after birth. Since babies cannot get a flu shot until they are 6 months, passing the antibodies from mother to baby is a great measure of protection. If you are pregnant, you should only get the vaccine via a shot, not the nasal spray. Is it true that I don’t need to get a flu shot every year? ² No! With a few rare exceptions, the CDC recommends that everyone older than 6 months should get a flu shot every year. There are a couple of main reasons for this. First, the efficacy of the vaccine — how well the vaccine works to prevent the disease it’s meant to fight — decreases over time. This is also why we recommend you get your flu shot ideally between September and early November. The second factor is that the flu virus changes over time (similar to how COVID-19 has changed over the last couple years). The vaccine is made based on which strains look like they will be the most widespread for that year, and the strain that was spreading last year may not be the popular one this year. Not seeing your question? Have more questions from this? Come by and talk to our team – we’re always here to help you get the answers you need. I don’t feel good – what do I have? Anyone who has Googled symptoms knows that it can be hard to narrow in on what you actually have. We know that not every symptom is cancer, despite that seeming the case when we look online. It’s important to not only learn the symptoms of diseases that are in your area but also learn the timing and what is NOT a symptom so you can get better treatment. Flu vs. COVID-19 ³ Symptoms of COVID-19 have changed over time to resemble the symptoms of influenza more closely. These shared symptoms include: Fever or chills Cough Shortness of breath or difficulty breathing Fatigue Sore throat Runny or stuffy nose Muscle pain or body aches Headache Vomiting Diarrhea Change in or loss of taste or smell (more common with COVID-19 than flu) Flu symptoms appear sooner after exposure on average than COVID-19 symptoms; someone infected with the flu usually starts having symptoms between 1 and 4 days after infection; COVID-19 symptoms, meanwhile, typically show up within 2 to 14 days after being exposed. Both viruses can also have asymptomatic cases, where people are infected but don’t get sick or show symptoms of the infection. While both viruses have many shared possible complications (pneumonia, sepsis, heart attack, and more), there are some differences, too. The flu is more associated with secondary bacterial infections (getting an infection from something else when the immune system is weakened from the flu) than COVID-19; blood clots and multisystem inflammatory syndrome (MIS-C and MIS-A) are more common with COVID-19, and symptoms can linger much longer (now often called Long COVID) than flu symptoms do. Both viruses have vaccines that work to protect you from infection or serious complications. There are also many tests available for both, so if you think you have one of these…get tested and get answers. Flu vs. Stomach Flu ⁴ Despite sharing part of a name, the seasonal flu and the stomach flu have very little in common. The stomach flu (like the name suggests) affects the stomach. It is highly contagious and can be spread from person to person or by eating contaminated foods. If you are experiencing diarrhea, stomach pain, and vomiting, there’s a good chance you’ve got the stomach flu. There isn’t any vaccine or treatment, but you can help relieve symptoms by drinking clear liquids, avoiding caffeine and alcohol, and staying away from dairy, fiber, grease, and spices. If you have a sore throat, fever, muscle aches, or a cough, however, you may have influenza. The seasonal flu affects the respiratory system and DOES have a vaccine that can help prevent serious infection. Flu vs. Cold vs. Allergy ⁵ Even before COVID-19, it was sometimes hard to tell if you had the flu or if you had a cold or if it was just allergies. They all affect the respiratory system and share many symptoms. Flu and cold generally have the most overlap, but flu symptoms tend to be more plentiful and more severe than cold symptoms. The symptoms are a sign of your body trying to fight off the infection, and they generally last as long as the infection does. Allergies, meanwhile, are not because of an infection; instead, they are your immune system fighting off some external substances that you’ve been exposed to and your body thinks is dangerous to you. The symptoms are the immune system’s overreaction to the exposure, and they will last as long as the exposure does. This can be several weeks if the pollen count is high; it could be just hours, however, if it’s caused by a brief interaction with a neighbor’s dog. Symptoms Cold Flu Allergy Fever Rare Usual, high (100-102 °F), sometimes higher, especially in young children); lasts 3-4 days Never Headache Uncommon Common Uncommon Aches & Pains Slight Usual, often severe Never Fatigue, Weakness Sometimes Usual, can last up to 3 weeks Sometimes Extreme Tiredness Never Usual, often at the beginning of the illness Never Stuffy, Runny Nose Common Sometimes Common Sneezing Usual Sometimes Usual Sore Throat Common Sometimes Sometimes Cough Common Common, can become severe Sometimes Chest Discomfort Mild to moderate Common Rare, except for those with allergic asthma Treatment Get plenty of rest. Stay hydrated. (Drink plenty of fluids.) Decongestants. Aspirin (ages 18 and up), acetaminophen, or ibuprofen for aches and pains Get plenty of rest. Stay hydrated. Aspirin (ages 18 and up), acetaminophen, or ibuprofen for aches, pains, and fever Antiviral medicines (see your doctor) Avoid allergens (things that you’re allergic to) Antihistamines Nasal steroids Decongestants Prevention Wash your hands often. Avoid close contact with anyone who has a cold. Get the flu vaccine each year. Wash your hands often. Avoid close contact with anyone who has the flu. Avoid allergens, such as pollen, house dust mites, mold, pet dander, cockroaches. Complications Sinus infection middle ear infection, asthma Bronchitis, pneumonia; can be life-threatening Sinus infection, middle ear infection, asthma * Table via NIH News in Health: https://newsinhealth.nih.gov/2014/10/cold-flu-or-allergy Because there is so much overlap in actual symptoms, it’s important to pay extra attention to the labels of any medicine you take. The active ingredients of many drugs overlap, so it is easy to get too much of one ingredient if you aren’t careful. There can also be interactions between different drugs used to treat the cold, flu, and allergies; if you are ever unsure of what to take or how much to take, talk to our pharmacy team! Sources: ¹ https://www.ucsfhealth.org/education/top-seven-flu-myths-debunked ² https://www.cdc.gov/flu/prevent/misconceptions.htm ³ https://www.cdc.gov/flu/symptoms/flu-vs-covid19.htm ⁴ https://www.gohealthuc.com/library/influenza-vs-stomach-flu ⁵ https://newsinhealth.nih.gov/2014/10/cold-flu-or-allergy
- The 5 Ws and 1H of Vaccines
Vaccines are in the news now more than ever, with COVID-19 shining a spotlight on the importance of immunizations in preventing the spread of disease. But in recent years, there has also been more resistance than in years past against getting vaccinated. Between the COVID-19 pandemic interrupting normal vaccination schedules and the growing fear and misinformation surrounding many, if not all, vaccines, society has taken one step forward in innovation…and two steps back in community inoculation. To continue protecting ourselves and our communities, let’s take a moment to understand the 5Ws (and 1H!) of vaccines. How do vaccines work? Think of a vaccine-preventable disease as a timed math test that your body has to take, and your immune system is the tools used, like a pencil and calculator. If the test is on a completely new concept and you never studied for it, you could pass the test…but it’d be pretty tough to do. And if your immune system isn’t strong or if you have other conditions that get in the way (for the analogy, you don’t have a calculator and your pencil doesn’t have an eraser) that makes passing even harder. Now think of the vaccine as your homework. The homework shows you more than just the answer to the problem — it shows you how to solve the problem. The homework is a simpler version than the test is so that you can understand the basics before moving onto more advanced work, and it helps you build the confidence to solve the harder problem quickly when it counts. If you do the prep homework, there’s no guarantee that you’ll pass the graded test. But the homework gives you a much better chance of passing with flying colors, especially if you’ve got the handicap of no calculator. And even if you don’t ace the test, you could still get a passing grade. Similarly, a vaccine doesn’t guarantee that you won’t get sick from exposure to the disease, but it does better your chances of recovering. The vaccine can help the illness symptoms be less severe and the results less deadly. By teaching your body to recognize and make antibodies in response to the vaccine, a less threatening version of the disease, you’re setting your immune system up to be able to fight off the full thing if needed. Who should get vaccinated? In general, anyone who can get vaccinated should get vaccinated. There are some vaccines that are not recommended in certain age groups or situations. Shingles vaccine, for instance, is not recommended for healthy adults under the age of 50, and the chickenpox vaccine shouldn’t be given to pregnant people. On the flip side, there are some vaccines that are especially recommended during pregnancy, like the flu vaccine and Tdap, because the antibodies from the mother will be passed along to the newborn. This transfer protects babies from the disease when they are still too young to receive the vaccine themselves. By getting vaccinated if you can, you are protecting the people who can’t get the immunizations. There are several factors that can prevent a person from getting the vaccine beyond not meeting the age or condition requirement, such as an allergy to an ingredient or a weakened immune system that can’t fight off even minor reactions as the body learns to recognize the infection and form antibodies. Why should I get vaccinated? Are you tired of dealing with the spread of rubella? Worried about the crippling effects of polio? Missing too many days of work because of a diphtheria outbreak? Thanks to vaccines, the answer to all of these is generally no. There are many contagious, draining, and even fatal diseases that have been practically eliminated in many parts of the world through vaccines. But as vaccines have become more misunderstood in recent years, we have seen an increase in cases of diseases that had previously been approaching eradication. When the COVID-19 pandemic hit, many people fell behind in regular health check-ups; this caused many people’s vaccine schedules to fall behind. As more people miss or pass on vaccines, the less we as a society are protected from the full disease. Very few diseases have been eradicated, which means that they can make a comeback if protections aren’t in place. Vaccines aren’t 100 percent effective, but they can still lessen the impact of the disease. Further, the times where the vaccine does work completely helps stop the spread of the disease to others who may not be able to get vaccinated or fight off the infection with or without the vaccine. What vaccines should I get? There are a lot of vaccines out there, and it can be hard to keep track of which one should be administered when — and that’s before factoring in new developments to improve protection or to address new diseases (like COVID-19). That’s where a vaccination schedule comes into play. The schedule is especially full for children. The first vaccination schedule was officially established in 1995, but the basis for the recommendations began back in the mid-1800s when Massachusetts public schools required vaccination against smallpox. Today, there are 11 different vaccines that are recommended for babies 0 to 15 months; some of these vaccines require multiple doses over several months or even years. As children grow into teenagers, it’s easier to fall behind in vaccinations simply due to less wellness check appointments. While it’s hard to miss seeing a flu shot reminder, other immunizations are easier to overlook. Some of these immunizations are boosters of what was received as a small child, like the Tdap vaccine; others, like the meningococcal and human papillomavirus vaccines, are recommended to start in the early teenage years. Without vaccination, these bacterial and viral infections can have serious consequences if contracted, including but not limited to brain damage, loss of limbs, cancer and death. Beyond 18 years of age, there isn’t a set schedule recommended, but that doesn’t mean that adults don’t need vaccines anymore. Continuing to get the annual flu shot and the tetanus boosters at the recommended interval is important, as is staying up to date on new vaccines that come out. There are a handful of vaccines that are recommended specifically for adults. The shingles vaccine is recommended for those 50 years or older; the pneumococcal vaccine is recommended for those 65 or older. Both also have several health conditions that would lead to a younger person getting the vaccine. Keep in mind that these vaccines are all for disease prevention within the United States. If you are traveling, there are additional vaccines that are recommended if not required. Some countries require travelers to be vaccinated against yellow fever before entering their borders; other vaccines, including typhoid and rabies vaccines, are just recommended by the CDC or the country. When should I get my vaccines? Most vaccines are available year-round, which means that people can get the protection they want whenever they’d like. The flu vaccine, meanwhile, is only readily available part of the year and is recommended for an even smaller window; though many organizations begin offering the flu vaccine as early as August, waiting to get the vaccine until late September or even late October can offer a person more protection when the virus is most often circulating in North America. Outside of the regular Tdap booster schedule, the vaccine is recommended in another season…the season of new life. Soon-to-be mothers should get the vaccine to pass on antibodies to fight off whooping cough (the “p” of Tdap); other adults that plan to be around babies should also get the vaccine. Travel vaccines are another area where timing matters. To allow the vaccines to have their best chance at preventing the illness, you should give yourself a few weeks usually between inoculation and traveling. Compared to the more common flu, shingles, and Tdap vaccines, travel vaccines may not be as readily on-hand, so extra planning is a must. Where can I get vaccinated? The more common vaccines, like seasonal flu, shingles, pneumonia, and Tdap, are also available at the most places. Others may not be on-hand on a walk-in basis, but many places can request it on a pretty short timeline (sometimes even next day). We are also only a phone call away if you want to check your eligibility for certain vaccines or if you have any other questions. Sources: https://www.cdc.gov/vaccines/pregnancy/vacc-safety.html https://www.cdc.gov/vaccines/schedules/hcp/imz/child-adolescent.html https://historyofvaccines.org/getting-vaccinated https://wwwnc.cdc.gov/travel/page/travel-vaccines