The cost of medication is increasing every year, and many of the sick and elderly need help to keep up with their medication requirements. That’s where Medicare Part D insurance coverage comes in. These plans can help cover a good portion of the cost.
Humana Part D PDP Plans
Humana Inc, is a health and supplementary benefits company. It offers many health and Medicare insurance plans to help cover the increasing cost of healthcare.
The company offers three different Medicare Part D plans, to help older people deal with the cost of medications. Those who are signed up for Medicare Part A or B benefits are eligible to receive Part D coverage as well.
This cover is provided by private insurance companies in two ways. Beneficiaries can sign up for a Part C plan that covers both hospitalization and prescription drugs. They can also sign up for Part D or Prescription Drug Plan (PDP).
Choosing a PDP
The first thing to do is to compare premiums. If you choose a lower premium, the benefits offered will be less, and you’ll have to pay a higher deductible towards claims. The higher the premium, the broader the coverage.
Choose a plan according to your medication needs. If you have chronic conditions that need regular and expensive prescription drugs to keep under control, pay a higher premium and get better cover. If you don’t need regular medication or have very few prescription drug needs, choose lower premium plans.
Humana PDP
Humana PDP offers three plans:
â Humana Preferred Rx Plan (PDP)
â Humana Enhanced (PDP)
â Humana Walmart Rx Plan (PDP)
The Humana Enhanced PDP provides comprehensive coverage at $71 per month and $0 Deductible. The Humana Preferred Rx Plan costs $28 per month and $400 per year in deductibles. The Humana Walmart Rx Plan costs $17 per month and $400 per year deductible.
The innovative Humana Walmart PDP provides a low cost plan that can help keep premiums and copayments down for generic prescription drugs. It also covers a huge list of prescription drugs.
If you have prescription drugs filled at Walmart or other preferred stores, you can keep the copayments on generic drugs to a low amount. If you have prescriptions filled through Humana’s home delivery system, the copayment on generic drugs can be $0.
While Shopping each insurer provides a list of covered drugs under your chosen plan. See if the drugs you use are covered, what the co-pays are, if any.
Once you reach the total limit on your Medicare Plan, you’re responsible for the full cost of all drugs. This is until you reach the out-of-pocket limit. After you reach this limit, your PDP coverage resumes and you’re only responsible to pay a small amount of the cost.
However, the costs of drugs until you cross the hole could be very high and put a strain on your finances. Try to choose a plan that provides coverage for the donut hole. However, this will come at a higher premium.
If you need a lot of highly expensive prescription drugs on a regular basis, choose plans that cover the hole, the higher premiums are definitely worth it.
Stuffy nose can often leave you frustrated, because it can make breathing an extremely difficult task. This leaves you mulling over one question, what can I do to clear a stuffy nose? An answer to that, here are some measures that you can take to effectively clear your stuffy nose.
Consult a doctor
At times, self-medication or home treatments are just not a good idea! Why? The former might be harmful to your health, and the latter might take some time to work. If you happen to be looking for an effective and a quick fix then visit your doctor. He/she will accurately diagnose you and prescribe you with appropriate medication which can instantly relieve you.
Hot shower
Taking a hot shower can clear out your nasal congestion. Although this can be a short-term remedy, you will still end up feeling refreshed, as it will improve your breathing. You can also inhale steam from a bowl of boiling water, if you don’t want to bathe.
Humidifier
A humidifier can add some extra moisture in the air, easing the congestion in your nose by reducing the inflammation of the mucus membranes located in the nose. While using the humidifier make sure that it is clean, as any presence of bacteria in it can only aggravate your health condition.
Warm compress
You can use a warm compress to cover your sinuses to loosen up the mucus inside. Place the compress over the nose while you are lying down, and it will gradually loosen up your stuffy nose. Just make sure that the warm compress is not soaked in super-hot water as it can burn your face. So, remember to check the water temperature before you use it.
Extra pillow
While you sleep at night make sure that you place an extra pillow under the head. This is because if you sleep with your head at a 180 degree angle, then it can make your condition worse. An elevated position will help you enjoy a sound and uninterrupted sleep, as it provides a better posture for congestion free breathing.
Neti pot
A possible amalgamation of a teapot and watering can, Neti pot is increasingly gaining popularity as an effective remedy for stuffy nose. The purpose of a Neti pot is to basically rinse your membranes in the nostrils to facilitate easier breathing. Although, make sure that you avoid it if you have had any recent nasal injuries or if you are already suffering from an ear infection.
A good night’s sound sleep is a sign of good health. Irregular sleep causes many health issues. OSA (obstructive sleep apnea) is one such common disorder which has been seen in increasing numbers amongst people in the last few decades. It later leads to more complicated health issues. Snoring is one such issue, which mostly happens due to OSA. It also gives birth to health issues like diabetes and blood pressure. Hence, sleep apnea needs to be cured early on.
Some of the health risks due to OSA are:
High blood pressure is one of the biggest risks that occur because of OSA. If blood pressure already exists, then sleep apnea gets worse, with one even experiencing stressful times during sleep when the blood pressure tends to spike. Oxygen levels in the body could also decrease, leading to breathing difficulties. For most people, treating sleep apnea will also control blood pressure levels greatly.
Keeping the heart healthy is one of the greatest challenges for being healthy. People with OSA are more likely to get heart attacks. The reason is because of low oxygen and a stressful time at night. Sleep apnea also causes the oxygen circulation to the brain and in arteries to be uneven.
80% of people with sleep apnea are more likely to be affected by Type 2 Diabetes. Going further, people with both OSA and type 2 diabetes are more likely to be obese and struggle to tackle with obesity in their lives later. Not getting enough shut-eye also leads to diabetes.
Gaining extra pounds or sudden weight gain also leads to a person acquiring sleep apnea. This condition can also make it tough to slim down. Sleep apnea also increases the levels of the hormone ghrelin, which causes sugary cravings, leading to sudden weight gain.
Sleep apnea also causes tiredness and indigestion, exhausting a person physically as well as mentally.
Treating OSA not just takes care of it, but can also end up making a person feel energetic and fit, and also end up improving one’s sleep.
Health issues because of sleep apnea are great in numbers, yes, but if one treats it at the early stages, it can put a stop to many possible future problems. One of the most effective ways to treat sleep apnea is via a masked device called CPAP. It is connected to the nose and helps a person breathe freely with proper pressure in the airway, thus improving one’s sleep.
Fibromyalgia is a chronic, incessant medical disorder, usually associated with extensive pain in the muscles and bones, areas of tenderness, coupled with tiredness. Fibromyalgia affects individuals physically, emotionally and socially. These symptoms are considered subjective as they can’t be determined or measured by tests. Till now, there isn’t a clear known cause, and in fact, fibromyalgia has been misdiagnosed as another ailment now and then. People who have fibromyalgia process pain in a unique manner and the way the patient’s cerebrum recognize pain signals makes them excessively sensitive to touch and other stimuli.
Earlier, the condition used to be known as fibrositis because many specialists believed the pain was brought about by inflammation all through the body. However, in 1976, the disease was renamed as ‘fibromyalgia’ from the Latin word fibro signifying fibrosis tissue and the Greek terms myo (muscle) and algia (pain).
What to expect when affected by fibromyalgia?
Fibromyalgia is a real condition that can meddle with your day-to-day activities. The condition is additionally long-haul; so once you develop symptoms, they may last a long time. The reassuring news is that fibromyalgia doesn’t harm your joints, muscles, or tissues. Additionally, it is not life-threatening. Seek medicinal assistance, if you encounter pain or unknown origins that last for over three months. With the right treatment and lifestyle changes, you can adapt to the illness and manage the symptoms quite well.
What can you do to prevent fibromyalgia?
Fibromyalgia can’t be avoided. Appropriate treatment and lifestyle changes can help lessen the recurrence and seriousness of your symptoms. Individuals with fibromyalgia can aim to forestall flare-ups as opposed to preventing the disorder itself. A few precautions can be taken to avoid worsening of your symptoms.
Improve sleep
The absence of restorative sleep is both a side effect of fibromyalgia and a reason for flare-ups. Poor sleep makes a cycle of more agony, making it harder to rest, which causes more pain. Break this cycle by going to bed at a particular time every day consistently and practice good sleep habits. Switch off the TV and other electronic gadgets and relax one hour before bed. Reading or reflecting are all great approaches to loosen up and get ready for more profound rest. Your specialist may prescribe a sleeping aid in case you have persistent problems falling or staying asleep.
Reduce stress
The symptoms of fibromyalgia get aggravated with stress. Reduce the flare-ups by limiting the factors that cause stress. Eliminating sources of stress such as unhealthy relationships or tense workplaces is one approach. You may also learn coping techniques that can help minimize the effects of stress. These stress-busters include meditation, relaxation, and deep breathing techniques.
Yoga and moderate intensity exercise are very effective in minimizing stress. There are many people who turn up to alcohol and drugs to cope up with stress. However, this is counterproductive and may give rise to serious health complications. Exercise regularly to keep your muscles and joints healthy. However, avoid strenuous exercises. You may try walking as it is a good way to stay healthy and active without much effort. Also, have a balanced diet, avoid junk food, and monitor your symptoms time to time.