Archive for October, 2018

Share of Cost, How does stress make us ill?

Thursday, Oct. 25th 2018 6:00 AM

Psychological stress is a well-known risk factor for illness, but how exactly does it make us sick? A new study has provided some interesting insight.

Researchers help to explain how stress can make us sick. Researchers at Michigan State University in East Lansing have revealed how a protein known as corticotropin-releasing factor receptor subtype 1 (CRF1) responds to stress by sending signals to specific immune cells.

This causes immune cells to release chemical substances that can trigger a host of diseases, including asthma, lupus, and irritable bowel syndrome (IBS).

Posted on Thursday, Oct. 25th 2018 6:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, How does stress make us ill?

Share of Cost, Do You Know People Who May Be Eligible for Part D’s Extra Help?

Tuesday, Oct. 23rd 2018 6:17 AM

Do you know people who are struggling to pay their Medicare Part D prescription drug costs? If so, they may qualify for help through Medicare’s Part D low-income subsidy (LIS), also known as Extra Help. For those who qualify, the Extra Help can save them thousands of dollars a year by helping cover the cost of their Part D plan premium, deductible and drug copayments. Despite how good these benefits are, many people who qualify are unaware of this program. Please help us reach those not yet enrolled by passing on the word on the Extra Help program and encouraging people to apply. (Note: the Medicare Savings Programs (MSPs) can also help cover some of Medicare’s costs for those who qualify, and save beneficiaries thousands of dollars a year.)

Below are 5 good enticing facts to know about Medicare Part D’s Extra Help, taken from the National Center on Law and Elder Rights.

  1. People with Medicare can enroll in the Part D low-income subsidy (LIS), or Extra Help, at any time in the year. Applications can be completed online at the Social Security website1 or in person at any Social Security office. Enrollment usually does not require producing documents like bank statements or insurance policies.
  2. Extra Help coverage lasts until the end of the year, even for those who no longer qualify for Medicaid. This can be particularly helpful for older adults with a Medicaid share of cost. If they meet their share of cost even once, they qualify for Extra Help for the rest of the year. If they meet it in July or later, they qualify for Extra Help for the rest of that year and all of the next year.
  3. People with Extra Help can change Part D plans and Medicare Advantage Part D (MA-PD) plans at any time without a penalty.They do not have to wait for an open enrollment period. This can be helpful for clients who have recently been diagnosed with a chronic condition or who have changed prescriptions and find that the formulary of their current plan does not meet their needs.
  4. Extra Help is not subject to estate recovery. Many seniors are fearful of applying for Medicaid because estate recovery laws may allow states to recoup some costs from their estates. Extra Help is different. There is no estate recovery for Extra Help costs. Federal law does not permit states or the federal government to collect money from your client’s estate for Extra Help costs. Medicare Savings Programs (QMB, SLMB and QI) also are exempt from estate recovery.
  5. People with full Extra Help qualify for a $10 a month Social Security overpayment plan. It is not uncommon for clients to owe Social Security for an overpayment of benefits. When this happens, clients often find that a large portion of their Social Security benefit is being deducted to pay back the debt. If your client has Extra Help, however, the client can request that Social Security take out only $10 a month. Social Security is required to automatically honor the request when it is made.

 

Posted on Tuesday, Oct. 23rd 2018 6:17 AM | by Share of Cost | in Social Security | Comments Off on Share of Cost, Do You Know People Who May Be Eligible for Part D’s Extra Help?

Share of Cost, hat State or Federal laws, regulations, or policies or restrict competition and choice in healthcare markets

Sunday, Oct. 21st 2018 6:16 AM

What State or Federal laws, regulations, or policies (including Medicare, Medicaid, and other sources of payment) reduce or restrict competition and choice in healthcare markets?

Medicare can be confusing or even overwhelming, especially when a person has chronic illness, limited resources, or a lack of help. Choosing among traditional Medicare, Medicare Advantage (MA), Medicare Part D, and supplemental or “Medigap” options can make it almost paralyzingly complex. We rely on people with Medicare to make informed, savvy choices—in other words, to “vote with their feet”—so that competition can reward plan innovations that work, identify bad actors and problematic behaviors, and reduce both beneficiary and program costs. Yet, studies show that older adults struggle to compare plans1 and often do not change MA or Part D plans even when doing so may lead to lower premiums and reduced cost-sharing.2 To put it simply—people with Medicare are overwhelmed with information, but it may not be the information they need.

As policymakers consider putting beneficiaries on the hook for plan and health care choices, the absence of quality, useful information becomes increasingly punitive. We cannot support proposals that will shift costs to people with Medicare, penalize them for failing to make optimum choices, or otherwise transfer burdens onto their shoulders. Doing so becomes especially egregious when people are kept in the dark about what their choices are or what they might mean. The existing resources are insufficient. They must be improved before new complexities are added.

Currently the only Medicare choice tool is Plan Finder. While Plan Finder allows head- to-head comparisons of prescription drug plans, its utility is limited as it does not even allow a beneficiary to search across plans for particular providers. And there is no adequately-resourced tool to fill the gaps. The vital State Health Insurance Assistance (SHIP) program, which offers one-on-one personalized assistance,3 is woefully underfunded, faces challenges meeting current demands, and is constantly under threat.4 1-800- MEDICARE, while a needed resource, is no substitute for in-person assistance. We urge the administration not to move forward with any proposals to increase plan flexibility that would also further complicate beneficiary choice until adequate tools and resources are available for beneficiaries to effectively evaluate and compare their options.

We also note that as plan offerings become more complex, the administration’s responsibility to oversee plans appears to be getting less emphasis. Such oversight is an obligation that the Centers for Medicare & Medicaid Services (CMS) owes to beneficiaries, and is only increased by increasing complexity.

We might point out that CMS’s inability to negotiate prices for prescription drugs further compounds beneficiaries’ options, as plans are free to choose the pharmaceutical benefit managers that give them the “best price for a restricted formulary” regardless of how it will impact the beneficiary.

Recently an 81 year old beneficiary with diminished capabilities succumbed to marketing mailers from a United Healthcare plan endorsed by AARP and enrolled in a Medicare Advantage HMO plan without understanding the implications of her decision. She just “trusted AARP!” The local HICAP (California’s SHIP) will attempt to unravel her situation to ensure that she and her daughter understand the consequences of her decision, and make any needed changes based on her unique circumstances.

 

 

Posted on Sunday, Oct. 21st 2018 6:16 AM | by Share of Cost | in Social Security | Comments Off on Share of Cost, hat State or Federal laws, regulations, or policies or restrict competition and choice in healthcare markets

Share of Cost, More on Medically Needy Program How it Works

Friday, Oct. 19th 2018 6:07 AM

You do not need to show that you actually paid the medical expenses to meet your spend-down. You just have to show proof that you incurred the expenses. States vary in what kind of expenses are allowed, but all states give credit for Medicare and other health insurance premiums.

Posted on Friday, Oct. 19th 2018 6:07 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, More on Medically Needy Program How it Works

Share of Cost, About the Xiphoid Process

Wednesday, Oct. 17th 2018 6:40 AM
  • Pain in the xiphoid process is described as tightness in the lower sternum (breastbone).
  • Medically speaking, this pain is called xiphoid syndrome or xiphodynia.
  • The xiphoid process can typically heal itself of minor damage with little intervention.
Posted on Wednesday, Oct. 17th 2018 6:40 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, About the Xiphoid Process

Share of Cost, What is Xiphoid Process

Monday, Oct. 15th 2018 6:00 AM

The xiphoid process is a small extension of bone just below the sternum. Discomfort in the xiphoid process can be painful as it can affect the lower ribcage, breastbone, and several major muscles located around the abdomen and diaphragm.

Posted on Monday, Oct. 15th 2018 6:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, What is Xiphoid Process

Share of Cost, How Medically Needy Programs Work

Saturday, Oct. 13th 2018 11:00 AM

If you live in a state with a medically needy program, then you can use medical expenses you incur to reduce, or “spend down,” your income to qualify for Medicaid. States establish a spend-down period, during which they look at your income and expenses to see whether you qualify for coverage. You must re-qualify for Medicaid after each spend-down period. Spend-down periods range from one to six months.

For example, if your state has a spend-down period of six months, then you must show that you have enough medical expenses within the six months to satisfy your spend-down (that is, to lower your income below the medically needy income limit). Once you have enough expenses, then you are eligible for Medicaid for the rest of the six months. After the six months is up, you must satisfy the spend-down again.

Posted on Saturday, Oct. 13th 2018 11:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, How Medically Needy Programs Work

Share of Cost, Fear of Being Touched

Thursday, Oct. 11th 2018 6:00 AM

Haphephobia is an anxiety disorder characterized by a fear of being touched. Other names for haphephobia include chiraptophobia, aphenphosmphobia, and thixophobia. Being touched by strangers or without consent can make many people uncomfortable. However, if the fear is intense, appears even when touched by family or friends, and if it causes significant distress, it may be haphephobia.

This condition is different from a hypersensitivity to touch, which is called allodynia. A person with allodynia may also avoid being touched, but they do so because it causes them to feel pain rather than fear.

Posted on Thursday, Oct. 11th 2018 6:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Fear of Being Touched

Share of Cost, Migraine Headaches

Tuesday, Oct. 9th 2018 3:09 PM

Migraines can run in families and are diagnosed using certain criteria.

• At least five previous episodes of headaches
• Lasting between 4–72 hours
• At least two out of these four: one-sided pain, throbbing pain, moderate-to-severe pain, and pain that interferes with, is worsened by, or prohibits routine activity • At least one associated feature: nausea and/or vomiting, or, if those are not present, then sensitivity to light and sound

A migraine may be foreshadowed by aura, such as visual distortions or hand numbness.

Posted on Tuesday, Oct. 9th 2018 3:09 PM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Migraine Headaches

Share of Cost, Rebound Headaches

Sunday, Oct. 7th 2018 2:50 PM

Overuse of painkillers for headaches can, ironically, lead to rebound headaches.  Culprits include over-the-counter medications like aspirin, acetaminophen (Tylenol), or ibuprofen (Motrin, Advil), as well as prescription drugs.

One theory is that too much medication can cause the brain to shift into an excited state, triggering more headaches. Another is that rebound headaches are a symptom of withdrawal as the level of medicine drops in the bloodstream.

Posted on Sunday, Oct. 7th 2018 2:50 PM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Rebound Headaches

Share of Cost, Sinus Headaches

Friday, Oct. 5th 2018 2:46 PM

When a sinus becomes inflamed, often due to an infection, it can cause pain. It usually comes with a fever and can be diagnosed by symptoms or the presence of pus viewed through a fiber-optic scope.

Headaches due to sinus infection can be treated with antibiotics, as well as antihistamines or decongestants

Posted on Friday, Oct. 5th 2018 2:46 PM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Sinus Headaches

Share of Cost, Cluster Headaches

Wednesday, Oct. 3rd 2018 6:27 AM

Cluster headaches, which affect more men than women, are recurring headaches that occur in groups or cycles. They appear suddenly and are characterized by severe, debilitating pain on one side of the head, and are often accompanied by a watery eye and nasal congestion or a runny nose on the same side of the face.

During an attack, people often feel restless and unable to get comfortable; they are unlikely to lie down, as someone with a migraine might. The cause of cluster headaches is unknown, but there may be a genetic component. There is no cure, but medication can cut the frequency and duration.

Posted on Wednesday, Oct. 3rd 2018 6:27 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Cluster Headaches

Share of Cost, Tension Headaches

Monday, Oct. 1st 2018 5:00 AM

Tension headaches, the most common type, feel like a constant ache or pressure around the head, especially at the temples or back of the head and neck. Not as severe as migraines, they don’t usually cause nausea or vomiting, and they rarely halt daily activities.

Over-the-counter treatments, such as aspirin, ibuprofen, or acetaminophen, are usually sufficient to treat them. Experts believe these may be caused by the contraction of neck and scalp muscles, and possibly changes in brain chemicals.

Posted on Monday, Oct. 1st 2018 5:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share of Cost, Tension Headaches