October is Breast Cancer Awareness Month: What to know about the latest developments in breast cancer research, treatment and prevention

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Breast Cancer Awareness Month kicks off on Monday.

Often associated with pink ribbons and 5K walks, the movement has been wildly popular: National Cancer Institute (NCI) funding for breast cancer totaled $520 million in 2016.

The increasing breast cancer awareness comes at a time when women can find substantial improvements in breast cancer treatment.

Here’s what you need to know about the latest developments.

How common is breast cancer?

According to the U.S. Centers for Disease Control and Prevention, breast cancer is the most common cancer in women (besides skin cancer), and the second most common cause of cancer death in women.

Approximately 266,000 women will be diagnosed with invasive breast cancer by the end of 2018.

In 2015, there were an estimated 3.4 million women living with breast cancer.

What you can do

We’ve known for a while that your risk of breast cancer gets lower with some lifestyle changes. Women who exercise, don’t smoke, don’t binge drink, stay a healthy weight after menopause, and use the pill for a shorter number of years have a lower risk.

Breast mammography, although imperfect, has been instrumental in detecting breast cancer when it does occur. Recommendations regarding screening are controversial: the question is the age that screening should begin.

The American College of Radiology (ACR) recommends annual screening starting at age 40, while the United States Preventive Services Task Force (USPSTF) believes that you should be screened every two years starting at age 50.

The American Cancer Society (ACS) recommends annual screening at age 45, with the option for women to be screened when they’re 40 if they prefer. The differences reflect changing opinions on what age the benefits of screening outweigh the risks.

New to the scene is breast tomosynthesis, a 3-D screening tool that received FDA approval in 2011. Research has shown better cancer detection rates with tomosynthesis, and fewer “false alarms,” when women with no disease are mistakenly called back for further testing.

In patients with dense breast tissue, screening ultrasounds can improve detection rates. In patients with the highest risk of developing breast cancer, screening breast MRIs, in combination with mammography, have been shown to improve survival.

Continue onto ABC News to read the complete article.

Latina music exec behind Maluma, CNCO has new, personal mission: breast cancer awareness

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“We just don’t think it could happen to us, or that it only happens to older women,” said Pablo, who’s 37 and recently battled breast cancer.

Clara Pablo is a music executive who has been “living the dream” when it comes to working with top Latino talent, from Ricky Martin and Shakira to Carlos Vives, CNCO and Maluma.

Yet Pablo, 37, a marketing executive for Walter Kolm Entertainmentand a former Univision director of talent relations, has been involved in her most personal and important campaign to date — spreading the word about the importance of breast self-exams and routine checkups after she was diagnosed and was treated for breast cancer.

Pablo used the power of social media to launch her own campaign, “Te Toca Tocarte,” meaning “it’s time to touch yourself,” inspired by her blogger friend Nalie Augustin’s breast self-examination video “Feel it On the 1st.”

“I wanted to replicate Nalie’s campaign to the Spanish market, and tell women that early detection is key,” Pablo said.

According to the Centers for Disease Control and Prevention, cancer is the number one cause of death in Latina women, particularly women under 40.

For Pablo, Latino communities don’t have enough conversation about cancer despite of how much it affects them.

“There’s so much shame, not enough awareness in the Hispanic community. We just don’t think it could happen to us, or that it only happens to older women,” she said. “We have to change the stigma because, yes, it can happen to anyone.”

With positive spirits and over 101K Instagram followers, Pablo has helped raise awareness among Latinos.

The campaign encourages women to put their hand on their breast to do a self-exam, and take and post a photo using the hashtag #TeTocaTocarte on the first of every month and tag others to do the same — hoping to show that self examinations can be simple. The campaign also seeks to encourage women of all ages to get a mammogram, get tested for the hereditary BRCA gene and communicate with others.

Spanish on-air talents such as Evelyn Sicaros, Carolina Sandoval and Clarissa Molina posted selfies in solidarity with the cause. Even Puerto Rican-pop singer Luis Fonsi (“Despacito”) and his wife, supermodel Águeda López, showed support for their good friend during her appointments, even after she finished her radiation.

It was in August of 2017 that Pablo felt a lump on her right breast while watching television.

“I was immediately alarmed,” Pablo said. “I texted my gynecologist, went in to see him the next morning, and within the week I was getting a mammogram and ultrasound,” she told NBC News. “I remember the lady doing the ultrasound, just seeing her face change.”

After a biopsy at the Miami Cancer Institute at Baptist Health South Florida, the doctor told Pablo they had found a stage 1 tumor in her breast. She was diagnosed with invasive ductal carcinoma (IDC), a common type of breast cancer last summer.

“It felt like somebody had just punched me in the gut, really hard,” Pablo recalled.

Although she has two aunts who are cancer survivors, the thought of having breast cancer had not really crossed Pablo’s mind.

Pablo traveled regularly for work and was in the middle of planning a trip to visit her boyfriend’s family in Europe.

“One week, I was planning this trip, and the next, planning how my entire life had suddenly changed,” Pablo said. “The timing of it all was poetic — it showed me your life could change in any second.”

On Oct. 1, 2017, Pablo commemorated the start of Breast Cancer Awareness Month by posting a a photo on Instagram to announce her cancer diagnosis. Within 48 hours, the post went viral.

Continue onto NBC News to read the complete articles.

It’s Cool to be Kind: 5 Cyberbullying Prevention Tips

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Here are 5 cyberbullying prevention tips. Number one is The Golden Rule.

1. The Golden Rule. It’s important to remind ourselves that behind every username and avatar there’s a real person with real feelings. The “golden rule” is just as important online as it is in real life. Kids can take the high road by applying the concept of “treat others as you would like to be treated” to their actions online, creating positive impact for others and disempowering bullying behavior.

2. Promote Kindness. It’s important to teach kindness. But it’s just as important to model the lessons of kindness that we teach. How you and your friends treat each other online can model behavior for younger generations. Respect others’ differences and use the power of the Internet to spread positivity.

3. Move from bystander to upstander. Often kids want to help out a target of bullying but don’t know what to do. According to StopBullying.gov, only 20-30 percent of students notify adults about bullying. Encourage kids to speak up against and report online bullying. If they find themselves a bystander when harassment or bullying happens, they have the power to intervene and report cruel behavior. Kids can choose to be an upstander by deciding not to support mean behavior and standing up for kindness and positivity.

4. Turn negative to positive. Kids are exposed to all kinds of online content, some of it with negative messages that promote bad behavior. Teach your kids that they can respond to negative emotions in constructive ways by rephrasing or reframing unfriendly comments and becoming more aware of tone in our online communication. Reacting to something negative with something positive can lead to a more fun and interesting conversation – which is a lot better than working to clean up a mess created by an unkind comment.

5. Mind Your Tone. Messages sent via chat and text can be interpreted differently than they would in person or over the phone. Encourage kids to think about a time that they were misunderstood in text. For example, have they ever texted a joke and their friend thought they were being serious – or even mean? It can be hard to understand how someone is really feeling when you’re reading a text. Be sure you choose the right tool for your next communication – and that you don’t read too much into things that people say to you online. If you are unsure what the other person meant, find out by talking with them in person or on the phone

Supporting teachers and their classrooms:
Google has teamed up with DonorsChoose.org, a nonprofit with a web platform that is part matchmaker, part Scholastic Fairy Godmother. Teachers post their school project wishes on the platform and people like you—or companies like us—find projects we’d love to sponsor. With DonorsChoose.org, Google has built a $1 million Classroom Rewards program to encourage and celebrate classroom achievement with Be Internet Awesome. Upon completion of the program, K-6 teachers can unlock a $100 credit towards their DonorsChoose.org project. Teachers can kick off the Be Internet Awesome lessons with one called #ItsCoolToBeKind. 💚 Check out the details on DonorsChoose.

Be Internet Awesome is Google’s free, digital citizenship and online safety program that teaches kids the skills they need to be safe and smart online. Parents can find additional resources in English, Spanish and Portuguese, such as downloadable materials for the home at g.co/BeInternetAwesome.

4 Tips on Managing Stress at Work

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Job Stress

Everybody feels stress from time to time at work, but it’s important not to let stress control our lives.

Unmanaged stress can lead to short-term problems like headaches, stomach pains, high blood pressure, and a weakened immune system. Long-term stress can lead to serious health conditions like depression, obesity, and heart disease.

Here are our four tips on managing stress:

  1. Keep a journal
    Track your stressors; over a week or two, note what’s setting you off and how you’re responding to those situations. Note your thoughts, feelings, who was involved, where it happened, and what you did in reaction – did you eat an unhealthy sugary lunch, did you have an extra glass of wine at night? Taking notes can help you identify patterns and help you break your stress cycle.
  2. Break unhealthy responses to stress
    If you notice from your journal that you are delving into unhealthy activities to manage your stress – junk food, alcohol, avoidance, too much TV – try replacing those unhealthy responses with healthy ones. Exercise is a fantastic way to manage stress. Join a yoga class, sign up to a gym, or go for regular jogs before work. Exercise releases endorphins and makes you happier; it can also take your mind off your stresses and make you feel productive.

Other good responses include: taking time out to read, playing games with your family, or doing activities with your friends. Set aside time to do activities that bring you pleasure.

  1. Create boundaries for work
    In the smartphone age, it can be easy to feel pressured into being available 24/7 for work. Establish some boundaries: Don’t answer emails at dinner, switch off your phone after 7pm, take time out to not think about your assignments. It’s critical to disconnect from work and let yourself recharge.
  2. Meditate
    It’s crucial that you learn how to relax and center yourself. Try meditating and mindfulness activities. If you can’t go to a class, there are hundreds of quality apps you can download to teach yourself. Start with just a few minutes a day to focus, do deep breathing exercises, and let go. It may seem small, but by simply doing this every day, you can apply this same focus to other parts of your life.

The American Psychological Association has great resources for dealing with stress: apa.org/index.aspx

Source: mygwork.com

‘Jane the Virgin’ Gina Rodriguez is on a mission to help young women — here’s why

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“One of the biggest blessings about being an actor,” said Rodriguez, is a platform that enables you to speak on important matters.

Gina Rodriguez is best known for her award-winning role in “Jane the Virgin,” but the actress, producer and activist has long championed many causes, especially education. Her latest mission is bringing an end to what is known as “period poverty” and its effect on young women’s school attendance and educational opportunities.

Nearly one in five girls in the U.S. have had to miss or leave school because they lacked access to products such as sanitary napkins during their menstrual period, in large part due to economic factors, according to a survey commissioned by Always. Rodriguez partnered with the brand to bring attention to the period poverty epidemic through the #EndPeriodPoverty campaign, which aims to donate 15 million period products to school pantry programs across the U.S.

“Education is the end all, be all. It is the reason I am here today, it is the reason I have had the opportunities that I have had,” said Rodriguez.

Rodriguez recalled how her education shaped her successful artistic journey. During her sophomore year of high school, Rodriguez’s religious studies teacher taught her about the role of the griot, or storyteller, in West African cultures. Had she missed that class, which inspired her to use acting as storytelling, her trajectory may have been very different, said Rodriguez.

The focus on how menstruation can unfortunately limit girls’ and women’s lives around the world — from the lack of products to cultural taboos, has gained traction. Recently Meghan Markle, who earlier this year married Britain’s Prince Harry, brought attention to the issue in India. In the U.S., women are pushing state legislatures to ensure access to products in places like prisons; New York City became the first to require free tampons and sanitary pads in correctional facilities, public schools and homeless shelters.

For Rodriguez, ensuring that young girls in the U.S. have access to products during their periods is doable.

“I want to bridge that gap. I want to end that statistic that we have here in this country. And we are capable of doing this,” she said. “One of the biggest blessings about being an actor is that you’re given a platform that you can speak on things that matter to you,” Rodriguez said.

Continue onto NBC News to read the complete article.

CVS Health Fights Back on High Cost Drugs by Launching Industry’s Most Comprehensive Approach to Saving Patients Money

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New CVS Health initiative seeks to solve one of the nation’s most pressing problems and a major source of consumer financial worry.

Recognizing the threat of rising drug prices and high out-of-pocket costs, CVS Health providing most advanced solutions for prescribers, pharmacists and patients.

CVS Pharmacists are key resource for patients in identifying opportunities to maximize their prescription benefits and save money at the pharmacy counter in communities nationwide.

CVS Caremark mitigating impact of high drug costs by providing members and prescribers with robust information and innovative tools to choose lower-cost prescription drugs.

The high cost of prescription drugs is one of the nation’s most pressing problems and a major source of financial worry for consumers across the nation. While CVS Health (NYSE: CVS) has made significant progress in mitigating the impact of high list prices set by pharmaceutical manufacturers, for too many Americans annual out-of-pocket drug costs are still significant. In response, CVS Health announced today that it is fighting back by launching the most comprehensive program in the industry to help patients save money on their medications.

According to a recent national poll, commissioned by CVS Health, 83 percent of Americans said they were concerned personally about the impact of rising prescription drug prices.[1] As prescription drug prices continue to rise and enrollment in high deductible health plans grows, many patients are shouldering higher costs for their prescription medicine.

CVS Health will address this problem with a robust set of initiatives, including the new CVS Pharmacy Rx Savings Finder, which will enable the company’s retail pharmacists for the first time to evaluate quickly and seamlessly individual prescription savings opportunities right at the pharmacy counter. This new tool further enhances existing savings opportunities the company’s pharmacy benefit manager (PBM) CVS Caremark is currently offering its clients such as the preventive drug lists that make medications for many common, chronic conditions available at a $0 copay. In addition, CVS Caremark provides real-time, member-specific drug costs and lower-cost alternatives to prescribers through their electronic health record system and to CVS Caremark members through the member portal and newly updated app. These programs are part of CVS Health’s commitment to helping consumers find the lowest cost prescription drugs by offering more pricing transparency for prescribers, pharmacists and patients.

“Today’s consumers are faced with higher prescription drug prices than ever before and many of them are now paying for a larger share of their prescription drug costs out of their own pockets at the pharmacy counter due to growth in high deductible health plans,” said Thomas Moriarty, Chief Policy and External Affairs Officer, CVS Health. “Until now, patients haven’t had the appropriate tools available to them to help them manage these costs. To address this, CVS Health is giving expanded tools to patients, prescribers and pharmacists so they can evaluate prescription drug coverage in real-time and identify lower-cost alternatives. We are committed to finding the right drug at the lowest possible cost for patients to ensure they are able to access and stay on the medications they need. That’s our promise.”

At the Pharmacy Counter

The new CVS Pharmacy Rx Savings Finder enables the retail pharmacist to quickly and seamlessly review a patient’s prescription regimen, medication history and insurance plan information to determine the best way for them to save money on out-of-pocket costs – with the primary goal of helping the patient find the lowest cost alternative under their pharmacy benefits plan.

“Our direct experience is that patients who are confronted with high out-of-pocket costs at the pharmacy counter are less likely to pick up their prescriptions and are less likely to be adherent to their prescribed therapy,” said Kevin Hourican, Executive Vice President, Retail Pharmacy, CVS Pharmacy.

“Armed with the information available through our Rx Savings Finder, our more than 30,000 CVS pharmacists can play an important role by helping patients save money on their medications, providing advice on how and when to take them, and ultimately helping them achieve better health outcomes,” Hourican added. “We are beginning this process with our CVS Caremark PBM members and expect to roll it out more broadly throughout the year.”

The Rx Savings Finder will show pharmacy teams:

  1. First, if the prescribed medication is on the patient’s formulary and is the lowest cost option available.
  2. Second, if there are lower-cost options covered under the patient’s pharmacy benefit – such as a generic medication or therapeutic alternative with equivalent efficacy of treatment.
  3. Third, if the patient may be able to save money by filling a 90-day prescription rather than a 30-day prescription.
  4. Finally, if neither a generic nor a lower-cost alternative is available, other potential savings options for eligible or uninsured patients where allowed by applicable laws and regulation.[2]

Pharmacists can also help patients enroll in the ExtraCare Loyalty Program and sign them up for Pharmacy and Health Rewards. Through Pharmacy and Health Rewards, patients receive $5 in ExtraBucks for every 10 prescriptions filled, earning up to $50 in ExtraBucks annually.

At the Doctor’s Office

Another component of the company’s comprehensive savings approach is the recently launched real-time benefits program, which helps bring greater drug price transparency to prescribers and CVS Caremark members. At the point-of-prescribing, providers are able to see the member-specific cost for a selected drug, based on a member’s coverage, along with up to five lowest-cost, clinically appropriate therapeutic alternatives based on the patient’s formulary. PBM members have access to the same information on the CVS Caremark app and member portal. Early results show that prescribers accessing the real-time benefits information through their electronic health record switched their patient’s drug from a non-covered drug to a drug on formulary 85 percent of the time. In addition, when the patient’s drug is covered, prescribers using real-time benefits switch their patient to a lower-cost alternative 30 percent of the time. When the prescriber switched to a lower-cost drug, the difference was approximately $75 per prescription.
“We have been working hard to keep prescription medications affordable for patients,” said Troyen A. Brennan, M.D., Executive Vice President and Chief Medical Officer, CVS Health. “In fact, in 2017, nearly 90 percent of our PBM plan members spent less than $300 out-of-pocket for their prescription medicines. While this signals progress, for those patients that cost is not insignificant. That is why we are committed to doing even more across our enterprise to help patients find and access the lowest cost drug at the pharmacy which ultimately will help improve clinical outcomes and remove higher downstream medical costs from the system.”

Using Pharmacy Benefit Management Solutions

CVS Health is also making a variety of PBM solutions available to help further drive down drug trend for its PBM clients and drug costs for the patients they support. The company’s Point of Sale (POS) rebate offering allows the value of negotiated rebates on branded drugs to be passed on directly to patients when they fill their prescriptions – and the savings from this program can be significant. In 2013, CVS Health led the industry with the introduction of POS rebates to clients, and today nearly 10 million members are covered by and able to benefit from the program.

In 2017, despite manufacturer brand list price increases on drugs near 10 percent, CVS Health PBM strategies reduced drug trend for CVS Caremark commercial clients to the lowest level in five years, keeping drug price growth at a minimal 0.2 percent. In fact, 42 percent of CVS Caremark commercial clients spent less on their pharmacy benefit plan in 2017 than they had in 2016. CVS Caremark helped members reduce monthly out-of-pocket costs and improve adherence to its highest level in seven years in key categories such as diabetes, hypertension and hyperlipidemia.

Prescription drug trend is the measure of growth in prescription spending per member per month. Trend calculations take into account the effects of drug price, drug utilization and the mix of branded versus generic drugs as well as the positive effect of negotiated rebates on overall trend. The 2017 trend performance is based on a cohort of CVS Health PBM commercial clients, employers and health plans.

About CVS Health

CVS Health is a pharmacy innovation company helping people on their path to better health. Through its more than 9,800 retail locations, more than 1,100 walk-in medical clinics, a leading pharmacy benefits manager with more than 94 million plan members, a dedicated senior pharmacy care business serving more than one million patients per year, expanding specialty pharmacy services, and a leading stand-alone Medicare Part D prescription drug plan, the company enables people, businesses and communities to manage health in more affordable and effective ways. This unique integrated model increases access to quality care, delivers better health outcomes and lowers overall health care costs. Find more information about how CVS Health is shaping the future of health at https://www.cvshealth.com.

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[1] The Morning Consult poll was conducted from February 22-26, 2018, among a national sample of 1992 registered voters. The interviews were conducted online and the data were weighted to approximate a target sample of registered voters based on age, race/ethnicity, gender, educational attainment, and region. Results from the full survey have a margin of error of plus or minus 2 percentage points.

[2] Prescriptions submitted for reimbursement to Medicare, Medicaid or other federal or state programs are not eligible..

Kern County native creates app meant to protect farmworkers from heat-related illness

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Farmworker’s days are long, their work is tedious and sometimes weather conditions turn the job into a dangerous one. 

“I heard their stories of swollen backs and how their feet would ache after work and just the kind of brutal conditions they worked in, especially back then”, said Faith Florez.

Florez grew up in Shafter, a small farming community in Kern County in a family that is all too familiar with working in the fields and the risks of the job.

“My grandma Estella, she picked roses, cotton, almonds, and then my poppa, her son went on to again pick roses cotton almonds and migrate between seasons between the fields,” she said.

So, the high school senior, who now lives in Los Angeles set out to make a change at farms throughout the central valley.

“I don’t want to hear about a farmworker that died because they were too far away from water and shade,” said Florez.

Flores created the Calor App, which will let farmers now when they could possibly be in danger.

“The application is ultimately designed to prevent instances of heat stroke amongst agricultural workers,” said Florez.

Calor, the Spanish word for heat, began with a simple idea for Florez.

“It definitely wasn’t an overnight thing,” she said.

Her idea, became more of a reality when she submitted it as a proposal to the USC Viterbi School of Engineering, where a group of graduate students unanimously hose to take on the project.

“I went into it super passionate,” Florez said.

Continue onto ABC News to read the complete article.

This Geriatrician Says To Do These 5 Things To Live Longer

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A healthful diet can reduce risk for disease and increase longevity

Good nutrition plays an important role in how well you age. Eating a healthful diet helps keep your body strong and can help reduce your risk for heart disease, diabetes, stroke and osteoporosis.Studies even show a link between healthful eating and longevity.

“As we age, the body becomes less efficient at absorbing some key nutrients. Appetite and taste can suffer from loss of sense of smell and taste or from side effects of medications. Bad teeth can make some foods difficult to chew or digest,” said Arthur Hayward, MD, a geriatrician and the clinical lead physician for elder care with Kaiser Permanente’s Care Management Institute. “So choosing foods carefully is smart.”

Here are five tips to help you get the nutrition your body needs:

  1. Avoid empty calories.

Foods with empty calories may contain very few vitamins and minerals. “Convenience foods,” such as packaged snacks, chips and sodas, are common sources of empty calories. Avoid the “bad” carbs—foods that have white flour, refined sugar and white rice.

  1. Choose nutrient-rich foods.

Eat a variety of foods. The more you vary the foods you eat, the more vitamins, minerals and other nutrients you get. For example:

* Eat lots of fruits and vegetables—Choose fresh, frozen or no-salt canned vegetables and fruits in their own juice or light syrup.

* Eat foods with protein—Protein is found in lean meat, fish, poultry, eggs and cheese, cooked beans, peanut butter and nuts and seeds.

* Get enough calcium and vitamin D—Calcium and vitamin D are found in milk and milk products, including yogurt and cheese. They are also in green leafy vegetables (spinach, kale, collard greens) and tofu.

* Include foods high in vitamin B12—After 50, the body produces less gastric acid and absorbs less B12, which helps keep blood and nerves vital. B12 is found in milk, meat, poultry, fish, and eggs.

* Eat high-fiber foods—This includes fruits, vegetables, cooked dried beans, and whole grains.

  1. Drink plenty of fluids.

Drink plenty of fluids—enough so that your urine is light yellow or clear like water. Fiber and fluids help with constipation.

  1. If your appetite is poor, eat smaller meals.

Try eating smaller meals, several times a day, instead of one or two large meals. Eating while socializing with others may help your appetite. You might also ask about changing medicines. Medication can cause appetite or taste problems.

  1. Eat soft foods.

As we approach our senior years, chewing food is sometimes difficult. Choose low-sodium canned vegetables or cooked fruits and vegetables. These are often softer. Chop or shred meat, poultry or fish. Add sauce or gravy to the meat to help keep it moist.

For healthy recipe ideas, check out Kaiser Permanente’s Food for Health blog at https://foodforhealth.kaiserpermanente.org.

In addition to eating a balanced diet, aim for 150 minutes of physical activity each week. Ten-minute sessions several times a day on most days are fine. For more information, visit kp.org and everybodywalk.org. For questions or advice about a specific condition, talk with your physician.

Source: NewsUSA

3 Things to Know Before You Pick a Health Insurance Plan

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MassMutual

Choosing a health insurance plan can be complicated. Knowing just a few things before you compare plans can make it simpler.

  1. The 4 “metal” categories: There are 4 categories of health insurance plans: Bronze, Silver, Gold, and Platinum. These categories show how you and your plan share costs. Plan categories have nothing to do with quality of care.

Which metal category is right for you?

Bronze

  • Lowest monthly premium
  • Highest costs when you need care
  • Bronze plan deductibles — the amount of medical costs you pay yourself before your insurance plan starts to pay — can be thousands of dollars a year.
  • Good choice if: You want a low-cost way to protect yourself from worst-case medical scenarios, like serious sickness or injury. Your monthly premium will be low, but you’ll have to pay for most routine care yourself.

Silver

  • Moderate monthly premium
  • Moderate costs when you need care
  • Silver deductibles — the costs you pay yourself before your plan pays anything — are usually lower than those of Bronze plans.

Gold

  • High monthly premium
  • Low costs when you need care
  • Deductibles — the amount of medical costs you pay yourself before your plan pays — are usually low.
  • Good choice if: You’re willing to pay more each month to have more costs covered when you get medical treatment. If you use a lot of care, a Gold plan could be a good value.

Platinum

  • Highest monthly premium
  • Lowest costs when you get care
  • Deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.
  1. Your total costs for health care: You pay a monthly bill to your insurance company (a “premium”), even if you don’t use medical services that month. You pay out-of-pocket costs, including a deductible, when you get care. It’s important to think about both kinds of costs when shopping for a plan.

When choosing a plan, it’s a good idea to think about your total health care costs, not just the bill (the “premium”) you pay to your insurance company every month.

Other amounts, sometimes called “out-of-pocket” costs, have a big impact on your total spending on health care – sometimes more than the premium itself.

Beyond your monthly premium: Deductible and out-of-pocket costs

  • Deductible: How much you have to spend for covered health services before your insurance company pays anything (except free preventive services)
  • Copayments and coinsurance: Payments you make each time you get a medical service after reaching your deductible
  • Out-of-pocket maximum: The most you have to spend for covered services in a year. After you reach this amount, the insurance company pays 100% for covered services.

So how do you find a category that works for you?

  • If you don’t expect to use regular medical services and don’t take regular prescriptions: You may want a Bronze plan. These plans can have very low monthly premiums, but have high deductibles and pay less of your costs when you need care.
  • If you qualify for extra savings on out-of-pocket costs OR want more of your costs covered: Silver plans probably offer the best value. If you qualify for extra savings (“cost-sharing reductions”) your deductible will be lower and you’ll pay less each time you get care. But you get these extra savings ONLY if you enroll in Silver plan. This can save you hundreds or even thousands of dollars a year if you use a lot of care. Even if you don’t qualify for extra savings, Silver plans offer good value — moderate premiums and deductibles, and better coverage of your out-of-pocket costs than a Bronze or Catastrophic plan provide.

If you expect a lot of doctor visits or need regular prescriptions: You may want a Gold plan or Platinum plan. These plans generally have higher monthly premiums but pay more of your costs when you need care.

  1. Plan and network types — HMO, PPO, POS, and EPO: Some plan types allow you to use almost any doctor or health care facility. Others limit your choices or charge you more if you use providers outside their network.

Types of Marketplace plans

Depending on how many plans are offered in your area, you may find plans of all or any of these types at each metal level – Bronze, Silver, Gold, and Platinum.

Some examples of plan types you’ll find in the Marketplace:

  • Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
  • Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won’t cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness.
  • Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
  • Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

Source: Healthcare.gov

Why Aren’t More People Eating Breakfast?

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We may know that breakfast is the most important meal of the day, but that doesn’t mean we are taking it to heart and having a hearty breakfast. In fact, although 97 percent of Americans agree breakfast is the most important meal of the day, only 44 percent eat it every day.

The most common reasons people skip breakfast are they weren’t hungry, didn’t feel like eating, or they were too busy. Females are more likely than males to skip a morning meal because of being busy or running late.

Why is breakfast so important? A good way to look at it is that you are breaking the fast. When you go without breakfast, you have deprived your body of calories since the last time you’ve eaten. These calories help feed your brain and without them you may lack energy, and your metabolism needs fuel to kick-start it into action. Breakfast is important, so it’s important to consume a sufficient amount.

Studies show that people who eat a good breakfast actually consume more vitamins and minerals, and less fat and cholesterol, than people who skip breakfast.

Those who make eat breakfast have been shown to be better learners. Children who have breakfast are more likely to have better concentration, problem-solving skills, and hand-eye coordination.

Smart choices for breakfast include whole grains, fruit, and low-fat dairy products.

The whole grains and fruit contain high amounts of fiber, which tend to fill you up faster and will delay symptoms of hunger for hours.

If choosing a dry cereal, look for whole grain as one of the first ingredients. It should contain 3 to 5 grams of fiber, and read the nutrition facts label to make sure sugar doesn’t appear as one of the first three ingredients. Sugar may be listed with a word that ends in “ose,” which means some form of sugar is in the product. Some of the sugar-coated or frosted cereals may have as much as 2-3 teaspoons of sugar for a one eighth cup serving.

Oatmeal is another high fiber choice, and with the instant oatmeal on the market today, it can be prepared in fewer than 2 minutes. When paired with fresh fruit and milk, you have a healthy breakfast in a matter of minutes.

If you just don’t have the time to grab something at home and must go through the drive through of a fast food restaurant, there are healthy choices for you. Many are offering warm oatmeal, whole-grain bagels, rolls, and English muffins. These are better than fat-filled doughnuts, scones, croissants, or biscuits. Skip the oversize breakfast sandwiches, whole milk, bacon and sausage. All of these contribute excessive fat, calories, and cholesterol to your diet.

Breakfast foods don’t have to be traditional. They can be any combination, just make them nutritious and well balanced, and they are limited only by your creativity and imagination.

Breakfast doesn’t have to be the full-course meal. Those can be reserved for weekends. There are many nutritious choices out there that can be ready in minutes.

As your busy day begins, take a few minutes to include breakfast into your morning schedule. Egg in a Nest is quick, healthy and only has 3 ingredients. As an added bonus, your kids may be able to make it themselves depending upon their age.

Scientists Discover Latinos Age Slower Than Other Ethnicities

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UCLA scientists noticed that the blood of Latinos aged more slowly than other groups.

By Elaine Schmidt

A UCLA study is the first to show that Latinos age at a slower rate than other ethnic groups. The findings, published in the current issue of Genome Biology, may one day help scientists understand how to slow the aging process for everyone.

“Latinos live longer than Caucasians, despite experiencing higher rates of diabetes and other diseases. Scientists refer to this as the ‘Hispanic paradox,’” said lead author Steve Horvath, a professor of human genetics at the David Geffen School of Medicine at UCLA. “Our study helps explain this by demonstrating that Latinos age more slowly at the molecular level.”

According to the Centers for Disease Control and Prevention, Latinos in the United States live an average of three years longer than Caucasians, with a life expectancy of 82 versus 79. At any age, healthy Latino adults face a 30 percent lower risk of death than other racial groups, according to a 2013 study in the American Journal of Public Health.

The UCLA team used several biomarkers, including an “epigenetic clock” developed by Horvath in 2013, to track an epigenetic shift in the genome that’s linked to aging. Epigenetics is the study of changes to the DNA molecule that influence which genes are active but don’t alter the DNA sequence.

Horvath and his colleagues analyzed 18 sets of data on DNA samples from nearly 6,000 people. The participants represented seven ethnicities: two African groups, African-Americans, Caucasians, East Asians, Latinos and an indigenous people called the Tsimane, who are genetically related to Latinos. The Tsimane live in Bolivia.

When the scientists examined the DNA from blood—which reveals the health of a person’s immune system—they were struck by differences linked to ethnicity. In particular, the scientists noticed that, after accounting for differences in cell composition, the blood of Latinos and the Tsimane aged more slowly than other groups.

According to Horvath, the UCLA research points to an epigenetic explanation for Latinos’ longer life spans. For example, the biological clock measured Latino women’s age as 2.4 years younger than non-Latino women of the same age after menopause.

“We suspect that Latinos’ slower aging rate helps neutralize their higher health risks, particularly those related to obesity and inflammation,” said Horvath, who is also a professor of biostatistics at the UCLA Fielding School of Public Health. “Our findings strongly suggest that genetic or environmental factors linked to ethnicity may influence how quickly a person ages and how long they live.”

The Tsimane aged even more slowly than Latinos. The biological clock calculated the age of their blood as two years younger than Latinos and four years younger than Caucasians. This reflects the group’s minimal signs of heart disease, diabetes, hypertension, obesity or clogged arteries, the researchers said.

“Despite frequent infections, the Tsimane people show very little evidence of the chronic diseases that commonly afflict modern society,” said coauthor Michael Gurven, a professor of anthropology at UC Santa Barbara. “Our findings provide an interesting molecular explanation for their robust health.”

In another finding, the researchers learned that men’s blood and brain tissue ages faster than women’s from the same ethnic groups. The discovery could explain why women have a higher life expectancy than men.

Horvath and his colleagues next plan to study the aging rate of other human tissues and to identify the molecular mechanism that protects Latinos from aging.

The research was supported by grants from the National Heart, Lung and Blood Institute and the National Institute on Aging.

Source: ucla.edu