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Dave Hughes at Retire Fabulously: The Truth About Medicare (Dis)Advantage Plans
Reprinted with permission from RetireFabulously.com
I turned 65 in early 2022, and I’ve been enjoying the benefits of traditional Medicare ever since. It’s one of retirement’s greatest benefits. It has lowered my healthcare costs and made obtaining care easier. It’s the system I wish I had throughout my working career.
In the year preceding my 65th birthday, I received a deluge of advertisements touting the benefits of various Medicare Advantage plans and urging me to sign up.
Prior to that, I had no clue how Medicare Advantage plans worked and no idea what I’d choose. So, I did a lot of research. A lot. After all, those Medicare Advantage plans seemed to be offering more coverage (including prescription drugs, dental, vision, and hearing) – all for little or no premium! Why wouldn’t I choose that? It seemed too good to be true!
Of course, like all things that seem too good to be true, it is. I’ll show you why in this article.
It also occurred to me that if Medicare Advantage is such a superior product, why are these companies marketing it to me so aggressively? If it’s that great, I shouldn’t need to be convinced.
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Health Beat: Coping With Stress In a Stressful World
By Mark McNease.
Narration by Wondervox.
Another year comes slowly to a close as the holidays kick in and that mixture of pleasure and stress takes over. It’s a reminder that stress is part of living, and how we handle it can make the difference between looking back at another good year, or dreading what the next one will bring. We often anticipate bad things happening, whether they do or not, and it increases this stress exponentially. Even without the added pressure, daily living is often stressful with its demands on our time, activities, and attention. Doctor’s appointment? Stressful. Sink stopped up? Stressful. Cat to the vet? Stressful. Holidays? Prolonged stress, no matter how much we may enjoy them.
Here are some thoughts on stress and how to cope with it in our lives.
Handling Stress: Strategies for a Balanced Life
Stress is a common part of life, affecting nearly everyone at some point, and many of us in a more or less chronic way. Whether it’s due to work pressures, personal relationships, or unforeseen circumstances, managing stress is essential for maintaining mental and physical well-being. But take heart! There are a number of effective strategies for coping with and alleviating stress, allowing us to navigate life’s challenges with greater ease and resilience—and maybe even sleeping all night! (This is a problem for me and millions of others, and it can be exacerbate by the aging process: we tend to sleep less as we get older.)
Understanding the Causes of Stress
Before delving into coping mechanisms, it’s important to understand the sources of stress. Common triggers include high-pressure jobs, family responsibilities, health issues, financial worries, and major life changes. Identifying these stressors is the first step in managing stress effectively. For some people, keeping a stress journal can prove beneficial; by detailing when stressors occur and how they affect you, you can develop a clearer picture of patterns and triggers in your life. I don’t personally keep this kind of record, but I do journal on a regular basis. It’s as much a diary as a journal for me, and it’s augmented by thematic journaling (SEE HERE FOR MORE ON THAT).
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Health Beat: Macular Degeneration – What It Is and How to Treat It
Health Beat is a feature at LGBTSr highlighting health and wellness
More than one person in my life has macular degeneration, and my late mother suffered from it years ago when its treatment was less sophisticated and effective. Today it can be slowed and, depending on its progression, treated well enough to prevent serious vision loss. So what is macular degeneration? What causes it, and what can we do about it?
Understanding Macular Degeneration and Its Treatments
Macular degeneration, often referred to as age-related macular degeneration (AMD), is a common eye condition that affects millions of individuals globally, particularly those over the age of 50. It’s a progressive disease that attacks the macula, the central part of the retina responsible for sharp, detailed vision. As a result, AMD can severely impair your ability to perform everyday tasks such as reading, driving, and recognizing faces. Despite its prevalence, many people remain unaware of the condition and the various treatments available to manage its progression.
Types of Macular Degeneration
Macular degeneration is categorized into two main types: dry (atrophic) and wet (neovascular) AMD.
Dry AMD: This form is more common, accounting for approximately 85-90% of cases. It occurs when the macula thins over time, leading to gradual vision loss. The hallmark of dry AMD is the presence of drusen, yellow deposits beneath the retina.
Wet AMD: Though less common, wet AMD is more severe and can lead to rapid vision loss. It occurs when abnormal blood vessels grow under the retina and macula, causing bleeding, leaking, and scarring. Wet AMD can develop suddenly and requires prompt medical attention.
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Health Beat: Juicing, Zepbound, and the Importance of Lifestyle Changes
As readers know from my post last month, I’m taking Zepbound for weight loss. I just completed the first four weeks, with two more months to go. This is not something I intend to do for more than three months. For one thing, my insurance won’t cover it. I’m on Medicare, and unless it’s for some underlying health issue, such as diabetes or heart disease, this is coming out of pocket.
For the sake of being informative: I’m paying $1049 for four injections, per month. It’s a lot, but I see this as an investment on a much healthier future. I’ve been 50 pounds overweight for a very long time, and I can’t carry this excess poundage around anymore. It’s corrosive to my physical and mental well-being. But I also won’t use this medication for more than three months, and that means addressing the underlying issues related to food addiction.
I made my first vegetable juice this morning in a new blender! Yum. I have not had any sweets, at all, for the past four weeks, and I intend to keep it that way. I explain this to people by comparing it to alcohol for those who are alcoholic or who don’t drink for other reasons. I have not had a drink in ten years. I will not have sweets, either. I don’t care if it’s someone’s last day on earth, I am not having cake and ice cream to celebrate their life. And if you won’t offer me a rum and Coke, which you will not, then don’t offer me a cookie.
I feel great. I’ve lost 13 pounds and I’m aiming for 30-40 more. I can to this. You can do this, if you want to. But face the things that make you eat destructively in the first place. A healthier future starts now.
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Health Beat: My Zepbound Journey (Week 1)
Narration provided by Wondervox.
By Mark McNease.
One of my biggest obstacles, if not the biggest one has been my years-long struggle with what is now obesity. I’m 65 years old, 5’10” tall, and 244 pounds. That burdens me with 50 pounds my body has to bear that it shouldn’t. It increases my risk of a half-dozen illnesses, including stroke, heart attack (which killed both my birth father and his father in their 60s), and that old standby, diabetes.
I’ve tried for at least the past decade to lose this weight, and all it has done is increase. So now, with the determination of the … determined, I’ve decided to bite the bullet. In this case it’s a syringe with a weekly dose of Zepbound. I just started this yesterday, so saying too much about it would be foolhardy. But I am committed to changing the way I eat, to making my relationship with food a much healthier one, and to inhabiting a body that both pleases me and serves me.
A word about cost: as someone on Medicare, with a Wellcare drug plan and a Humana supplemental, these drugs are not covered. I knew that going in, and it’s one of the reasons I put it off until now. I was able to get a month’s worth (4 injections) for just over $1000. Yes, it’s a lot of money. Yes, I’m somewhat privileged to be able to do this for the next three or four months, but no, I don’t feel guilty about that. I would rather spend $3000 changing my body and my life, than having to deal with the consequences of chronic obesity now and in the future.
I’ll be writing more about my Zepbound journey as the weeks pass and, hopefully, the pounds fall away.
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Health Beat: Coping with the Summer Heat
By Mark McNease
Tomorrow is the official first day of summer, and the temperatures here in New Jersey are proof of it. After some very comfortable months, the heat and humidity are increasing steadily, and we’re headed for our first heat wave of the summer (defined as three days or more of above-90 degree temps).
It’s been okay so far here in the countryside where we live, but this morning I had to pull out the bandanna I wrap around my head when the humidity gets drippy. And I watered the vegetable garden early this morning before a trip out of town.
We have two cats and I always think about them, too. They’ve survived before and they’ll survive again, but always keep lots of fresh water for them and hire a pet sitter if you go away.
And now … some tips and reflections on the dog days of summer.
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Health Beat: Stiff Competition (And How to Loosen Up)
Narration provided by Wondervox.
By Mark McNease
Six weeks ago I fell in the yard, spraining my ankle and causing a small fracture in my fibula. One of the things I immediately noticed was an exaggeration of my already stiffening walk. It’s a common effect of aging we all see among those of us above a certain age: walking with a more side-to-side gait, possibly bent over some, or even a sort of waddling. It’s not just, or always, from being overweight or having joint and bone issues.
There are many causes off the stiffening that occurs as we age. Let’s take a look at some (and check out my post about stretching HERE).
Why We Get Stiff As We Age
If you are over 50, you might have noticed that your joints are not as flexible as they used to be. You may feel stiff and sore when you wake up in the morning, or after sitting for a long time. You may also find it harder to do some physical activities, such as gardening, climbing stairs, or any kind of athletic activities. Why does this happen? And what can we do to prevent or reduce stiffness in your body?
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Health Beat: The Benefits of Going Barefoot
Narration provided by Wondervox.
I’ve been ditching the socks lately and it feels great. I can move my feet around more freely, and I don’t feel any distance between my skin and the floor. It’s especially nice at my writing desk, when I can curl my toes up and type!
There has always been something attractive for me about going barefoot, and I don’t mean the way it looks! I mean the way it feels. I can tell immediately what the surface I’m standing on feels like, whether it’s grass or the tiles on the kitchen floor.
Our culture tends to frown on being barefoot, as if our feet are somehow dirtier than our socks or shoes. I’ve made this assumption myself for most of my life, but the past year or so I kept wanting to be barefoot. Part of this is because I never feel like I have a good grip in socks, as if I’m going to slide onto the floor with every step. And part of it is because I instinctively feel more grounded: my feet are free to experience the sensation of whatever they’re touching, and I’m not worried about slipping and spraining my ankle (again).
So I’ve been ditching the socks lately and it feels great. I can move my feet around more freely, and I don’t feel any distance between my skin and the floor. It’s especially nice at my writing desk, when I can curl my toes up and type!
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Health Beat: Finding Ways to Deal with Chronic Pain
Health Beat is a feature at LGBTSr promoting health and well-being.
By Mark McNease
There’s something psychologically debilitating about walking with a cane, or wearing sandals that can accommodate an ankle brace. Two sizes too large? I had no other choice if I wanted more than one pair of shoes I could wear, which has been the case for a week.
When the mighty fall
Chronic pain affects millions of people, and we can find ourselves dealing with it at a moment’s notice. For me, it was a very sudden fall in the yard just over a week ago. I was dragging a hose across the lawn, walking sideways, and suddenly …. SNAP, my ankle bent sideways and every overweight pound of me went falling to the ground. I’ve had this happen before, but never so seriously. I also landed on my chest, and a week later I’m dealing with both the ankle, and, to a lesser degree, rib pain.
We’re going on a cruise next week. Between that and simply wanting to function—I don’t know how anyone stands being bed or couch ridden for more than a day—I went to an orthopedist. Now that I have Medicare there’s no reason not to, but old habits of avoiding doctors die hard.
Chronic pain is caused by any number of reasons, such as injury, illness, aging, or stress. It can, and does, have a negative impact on your physical, mental, and emotional well-being, as well as your quality of life. There’s something psychologically debilitating about walking with a cane, or wearing sandals that can accommodate an ankle brace. Two sizes too large? I had no other choice if I wanted more than one pair of shoes I could wear, which has been the case for a week.
Take heart: there are ways to cope with chronic pain and manage its symptoms. Following are some tips and strategies that can help, or at least inspire you to find your own ways of coping.
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Health Beat: The Importance of Stretching for Older Adults (Includes Video)
Health Beat is a feature at LGBTSr promoting health and well-being.
By Mark McNease
I’ll confess – I’m not good at taking my own advice when it comes to stretching, but the older I get, the more obvious the need for it becomes. I can feel my muscles, especially in my legs, contracting and in need of get a good stretch. Maybe knowing there’s a problem is the first step in addressing it! This year my objectives including losing 50 pounds, and listening to my body when it speaks to me, which is daily.
Stretching is a simple and effective way to improve our health and well-being, especially for older adults. As we age, we tend to lose flexibility, range of motion, and balance, which can lead to various problems such as pain, stiffness, injury, and reduced mobility. In my case, I was diagnosed with Restless Leg Syndrome. I’m convinced that stretching would be a better remedy than medication, but for now I’ll do both.
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Health Beat: What is Restless Leg Syndrome?
Narration provided by Wondervox.
By Mark McNease
After experiencing increasing and chronic pain in my thighs, I finally went to see my primary care doctor. His diagnosis? Most likely restless leg syndrome (RLS). I’ll admit to being surprised, because I’d always imagined that as causing a visible shaking or twitching in the legs. What I didn’t know is that it can be low-grade, and it can happen while you sleep! As he explained it, my legs could be twitching almost imperceptibly while I slept, keeping them from resting and rejuvenating. The result is a pain and tiredness that was becoming slightly debilitating.
Restless leg syndrome didn’t seem to be in the public consciousness until fairly recently, and I was one of those who questioned how prevalent it was. When I first saw drug commercials for it, I thought it might be another of the discoveries being made weekly that require another medication, helpfully manufactured and marketed by the pharmaceutical companies. And then it happened to me. I know what it’s like to have an ailment that almost seems as if it’s in my imagination. If you’re experiencing this, rest assured it’s real.
For me, the doctor prescribed Ropinirole. It’s commonly used for Parkinson’s (don’t let that alarm you) and for restless leg syndrome. The results were immediate. The pain is mostly gone, and began subsiding within a couple days. And a side effect is that I sleep soundly, something that has been an issue for me for years.
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Health Beat: Is Cannabis Right for You?
Narration provided by Wondervox.
By Mark McNease
Once Upon a Gummy
I’ll be honest: I’m a cannabis guy. I haven’t had a drink for 9-plus years, but several years ago I wanted something to help with stress management. A friend gave me a cannabis gummy, and I took half of it. After years of apprehension, I discovered the sky did not fall, I didn’t want to run off to the nearest drug dealer or bar stool, and I quite enjoyed it.
After years with a clear head, I do not like feeling intoxicated by anything. I did that for decades as a young person, even having a reputation as a pothead in high school. That kind of misuse, of the psychotropic components of marijuana and of my own mind and body, holds no allure for me at this age and hasn’t for a long time.