Judi L. Woods Agency Blog
Have you heard of a sickness called Norovirus? Chances are you have had Norovirus, also called the "stomach flu," many times in your life. Despite its nickname, Norovirus is not related to the flu.
Norovirus is highly contagious and may cause vomiting, diarrhea and stomach cramps. Symptoms usually start within 24 to 48 hours and most people begin to feel better within one or two days and have no long-term health effects.
People with the Norovirus illness are contagious from the moment they begin feeling sick until at least 3 days after they recover. There is no vaccine to prevent a Norovirus infection and no drug to treat people who get sick from the virus. Antibiotics will not help because they fight against bacteria, not viruses.
1 in every 15 Americans will get Norovirus illness each year. Norovirus is also estimated to cause over 70,000 hospitalizations and 800 deaths each year in the United States.
The Center for Disease Control offers the following tips on protecting yourself from Norovirus:
- Practice proper hand hygiene
Wash your hands carefully with soap and water—Alcohol-based hand sanitizers can be used in addition to hand washing. They should not be used as a substitute for washing with soap and water.
- Wash fruits & vegetables and cook seafood thoroughly
Carefully wash fruits and vegetables before preparing and eating them. Cook oysters and other shellfish thoroughly before eating them.
Be aware that Noroviruses are relatively resistant. They can survive temperatures as high as 140°F and quick steaming processes that are often used for cooking shellfish.
- When you are sick, do not prepare food or care for others who are sick
You should not prepare food for others or provide healthcare while you are sick and for at least 2 to 3 days after you recover.
- Clean and disinfect contaminated surfaces
After throwing up or having diarrhea, immediately clean and disinfect contaminated surfaces. Use a chlorine bleach solution with a concentration of 5–25 tablespoons of household bleach per gallon of water or other disinfectant registered as effective against Norovirus by the Environmental Protection Agency.
Immediately remove and wash clothes or linens that may be contaminated with vomit or stool (feces).
You should handle soiled items carefully without agitating them, wear rubber or disposable gloves while handling soiled items and wash your hands after, and wash the items with detergent at the maximum available cycle length then machine dry them.
If you follow these tips and use caution when caring for sick loved ones, you may dramatically reduce your chances of contracting Norovirus.
According to a recent article by Weiss Ratings, seven out of the ten most popular Medicare Part D Prescription plans are predicted to increase by double digits next year.
- Humana Walmart-Preferred Rx Plan (23 percent)
- First Health Part D Premier (18 percent)
- First Health Part D Value Plus (17 percent)
- Cigna Medicare Rx Plan One (15 percent)
- Express Scripts Medicare-Value (13 percent)
- HealthSpring Prescription Drug Plan (12 percent)
- Humana Enhanced (11 percent)
Three of the ten most popular plans Silver Script (8 percent), WellCare Classic (3 percent) and AARP Medicare RX Preferred are predicted to increase less drastically. AARP's plan is only expected to increase the least - only $0.57 per month on average. What does this mean to you? It's no secret that it is difficult for seniors to wade through the enormous amounts of health care information they receive in regards to Medicare and Medicare Supplements. It is important to make sure all options are carefully considered. Whether you or one of your loved ones is trying to decide what option is best - call us! Judi L. Woods agency is an insurance brokerage firm which means we offer many plans throughout the state of Florida, and we can help you make an informed decision!
Remember, Medicare Open Enrollment is from October 15, 2012 until December 7, 2012, so if you are looking for a change in coverage give us a call - we can help! To read the rest of Weiss Ratings article click here.
Attention Aetna Policyholders!
The common cold and flu have a way of sneaking up on us without warning or consideration of what is on our agenda for the day. Have you ever needed to go to the doctor but couldn't work your schedule around doctors' office hours? Aetna has launched a new program for people like you who live busy lives and can't always make it to the doctor when they are sick. It is called Teledoc.
How it Works
Not feeling well? Pick up your phone or computer and chat with a doctor without stepping foot inside their office. Aetna is now providing a new network of board-certified doctors that are accessible 24/7. This service is intended to help those who are experiencing common illnesses such as:
- Cold and flu
- Ear infections
- Urinary tract infection
- Pink eye
- And more
At $38 a "visit" Teledoc saves you money when you use their services for after-hours treatment!
The Coverage Gap or Donut Hole (or Doughnut Hole) has caused a considerable amount of confusion for many people and has even surprised seniors when they suddenly are required to pay the a higher price (or before 2011, the full price) of their prescription medications. The following brief over view is based on the 2011 Medicare Standard Benefit Plan Model. For more information, please click here to see Frequently Asked Questions (or FAQs) about the Donut Hole.
Quick Overview: This is a quick overview of the Donut Hole or Coverage Gap.
- According to the Medicare (or the Centers for Medicare and Medicaid Services, CMS), Standard or Model Medicare Part D prescription plan, the Donut Hole phase of your Medicare Part D coverage begins when your total retail drug costs reach $2840. (In past coverage years, some Medicare Part D plans have implemented a different Initial Coverage Limit and have begun the Donut Hole phase a little earlier - perhaps at a total retail drug spending of $1,800.)
- Please note, this $2840 is the total retail cost of the covered medications, not what you spend personally at the pharmacy. As a Medicare Part D beneficiary, you will pay only a portion of the $2840 and your Part D plan pays a portion. Your total retail cost of prescription medications is calculated from your Medicare Part D plan's negotiated retail drug price - and every Medicare Part D plan can have a different negotiated retail drug price. So it is possible that you may reach the Donut Hole a little earlier or later than someone else who uses the exact same prescription medications, but this other person has enrolled in a prescription drug plan from another Medicare Part D plan provider.
- As a note, in the CMS model Medicare Part D plan, a beneficiary; like yourself, pays the first $310 dollars as an initial deductible and then is responsible for paying 25% of the next $2530, for a total out of pocket medication costs (or true out of pocket costs (or TrOOP) ) of $942.5 (excluding your monthly plan premiums).
- Again, following the CMS Standard model Medicare Part D plan, when you reach the Donut Hole, your Medicare Part D plan will have paid the difference between the negotiated retail cost of all your drug purchases and your out of pocket cost or $1897.5.
- However, most people simply say that you enter the Donut Hole phase of your Medicare Part D plan at the end of your Initial Coverage phase or when your reach your Medicare Part D plan's Initial Coverage Limit (again, around $2840).
- With Changes in the Medicare law, a $250 Donut Hole Rebate program was implemented in 2010. Anyone reaching the 2010 Donut Hole would be automatically mailed a check for $250. Click here to read some frequently asked questions about the 2010 Donut Hole rebate.
- The 2011 Donut Hole marks the beginning of an effort at closing the Donut Hole. In 2011, anyone reaching the Donut Hole will receive a 50% (fifty percent) discount on brand name formulary drugs and a 7% (seven percent) discount on all generic formulary medications. Click here if you would like to read more about the Donut Hole drug discount program.
- Still have a question on the Donut Hole basics or did we miss something about the Donut Hole? Click here and let us know.
Please note there are some changes each year but this info is as of 2011 and there are few changes for 2012 so please ask me for details when we speak.