(BPT) - If you’re turning 65 in 2017 or 2018, you’re one of 10,000 people who become Medicare-eligible each day. Choosing Medicare prescription drug coverage can be confusing, especially for the first time. You may have questions about which plan fits your healthcare needs and budget or how to enroll. The good news is, it doesn’t have to be overwhelming if you know these four rules.
Rule #1: Lower premium plans may mean higher costs. Plans with a lower premium may end up costing more in the long run if they have higher drug copays, which can really add up.
Rule #2: Not every plan covers every drug. Drug lists (formularies) can change every year and so can the drugs you take. Be sure to check your plan’s formulary each year to make sure any medications you take are covered.
Rule #3: Check that there are pharmacies close to you. That way, it’s easier to fill your prescriptions. Select a plan with a wide range of “preferred” pharmacies, which typically offer lower co-pays than standard pharmacies in the network. Also, see if using a home delivery pharmacy or a 90-day supply could lower your costs even more.
Rule #4: Look for 24/7 access to pharmacists and Medicare experts who can answer questions about your medicines and offer drug safety tips, money-saving alternatives and expertise in drugs to treat specific conditions.
Also, remember to check the Medicare Part D plan’s Star Rating. This is the overall quality and performance rating (out of 5 stars) based on member satisfaction surveys and other measures by The Centers for Medicare & Medicaid Services (CMS).
For more information, please visit www.Medicare.gov or www.RoadmapForMedicare.com. To talk to an Express Scripts Medicare adviser, call 1.866.544.3794, 8 a.m. to 8 p.m., 7 days a week (TTY users: 1.800.716.3231).
The old saying goes, "dogs are man's best friend," and research shows they may be more than that. In fact, they just might be the key to keeping seniors active. However, the benefits of pet ownership also go beyond physical activity.
3 Ways Pups Can Improve Seniors' Health
(Family Features) Furry friends can play a significant role in pet owners’ lives. The old saying goes, “dogs are man’s best friend,” and research shows they may be more than that. In fact, they just might be the key to keeping seniors active.
According to a study conducted by the University of Lincoln and Glasgow Caledonian University in collaboration with Mars Petcare Waltham Centre for Pet Nutrition, dog owners 65 and older were found to walk over 20 minutes more a day than seniors who did not have canine companions at home.
The study documented three key conclusions:
“Older adult dog owners are more active than those without dogs and are also more likely to meet government recommendations for daily physical activity,” said Nancy Gee, human animal interaction researcher at Waltham. “We are learning more every day about the important roles pets play in our lives, so it’s no surprise that pets are now in more than 84 million households. It’s great to recognize how pets can help improve seniors’ lives.”
Walking with your pup can help both the pet and owner get in shape. Pets can keep older adults active and even help them meet the recommended public health guidelines for weekly physical activity. According to the study, on average, dog owners more often participated in 30 minutes a day of moderate physical activity and achieved 2,760 additional steps.
However, the benefits of pet ownership go beyond physical activity. It’s no secret that pets provide companionship. From reducing rates of stress, depression and feelings of social isolation, pets can play a significant role in improving people’s lives, which ultimately can make pet owners happier and healthier.
Not only do pets serve as companions in their own right, studies have shown that dog owners can get to know their neighbors through their pets. Pets can even help facilitate the initial meeting and conversation, which may come as no surprise for many dog owners who have chatted with others while walking their dogs. For older adults who live alone or in a group facility, having a pet is also a great way to build relationships with others.
For more information on the benefits of pet ownership, visit bettercitiesforpets.com.
Photo courtesy of Africa Studio/Shutterstock.comSOURCE:
(BPT) - French novelist Sidonie-Gabrielle Collette once said, “Our perfect companions never have fewer than four feet.” Pets provide meaningful social support for owners, and they can be especially beneficial for seniors. Ample research shows pet ownership delivers physical and mental health benefits for seniors, regardless of whether they’re living on their own or in a senior living community.
However, many older Americans still mistakenly believe moving into a senior living community means they’ll have to leave their pets behind. In fact, the fear they’ll have to give up a beloved pet is among the top emotional reasons seniors don’t want to move into senior living, according to author and senior real estate specialist Bruce Nemovitz. In an informal survey by Nemovitz, seniors ranked losing a pet as emotionally jarring as having to leave their familiar homes and possessions.
“Senior living communities like Brookdale Senior Living are all about supporting the physical health and mental well-being of residents,” says Carol Cummings, senior director of Optimum Life. “For many senior citizens, pets are an important part of their lives. It makes sense to preserve the bond between pet and senior owner whenever possible.”
Pet ownership benefits senior citizens in multiple ways, research shows. Older people who own dogs are likely to spend 22 additional minutes walking at a moderately intense pace each day, according to a recent study by The University of Lincoln and Glasgow Caledonian University. Published in BioMed Central, the study also found dog owners took more than 2,700 more steps per day than non-owners.
Multiple studies have also concluded that pet ownership can help lower blood pressure, contribute to improved cardiovascular health and reduce cholesterol.
Interacting with pets also has many mental health benefits, especially for seniors. Spending time with pets can help relieve anxiety and increase brain levels of the feel-good neurochemicals serotonin and dopamine. Pets can help relieve depression and feelings of loneliness.
The online journal Current Gerontology and Geriatrics Research reports multiple studies indicate dementia patients who interact with animals become more social, are less agitated and have fewer behavioral issues.
Pets in senior living settings
“For too long, some senior living communities didn’t recognize the value of allowing residents to bring their pets with them,” Cummings says. “That has definitely changed.”
For seniors looking for a community that will accept their pets, Cummings suggests a few questions to ask:
* What is your pet policy and what type of animal do you consider a pet? Generally, small dogs, cats, birds, rabbits, rats, hamsters, fish, turtles and other small companion animals qualify for pet policies. Seniors should check to be sure their pet meets the standards of the community.
* What is your pet health policy? Typically, senior living communities that accept small pets will want them to be current on all vaccinations and have regular exams by a licensed veterinarian. Pets will also need to have any required state- or county-issued licenses.
* What, if any, kind of training do you require pets to have? Requiring dogs to be house-trained and cats to be litter-trained is standard. Communities will also want to know your pet is well-behaved and not aggressive. They may ask you to have pets obedience trained.
* Do you offer any assistance with pet-related tasks? Most communities will require residents be able to care for pets themselves, including feeding, walking, potty needs and health needs.
“Moving into a senior living community is a big change, one that most residents find positive,” Cummings says. “They gain freedom from home maintenance tasks and household chores, a socially rewarding environment, and as-needed support for healthcare and daily care. As long as seniors are still able to care for their pets, there’s no reason they shouldn’t be allowed to bring their best friends with them to their new homes.”
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