SEATTLE - Washingtonians soon will have a chance to change their health coverage, and a few tips can help folks pick the best plan for themselves or their family.
About 240,000 Washingtonians who aren't covered through their employer get insurance through the state health exchange, where financial help is available to pay premiums. The open enrollment for the exchange is Nov. 1 through Dec. 15.
Dr. Rhonda Randall, chief medical officer, employer and individual, at UnitedHealthcare, said people should keep next year's plans in mind when choosing their coverage.
"Anticipate what your expenses are for next year," she said. "So, are you anticipating you're going to need to have a certain procedure, or you've recently been diagnosed with a specific condition? Or maybe you're planning to expand your family."
The Medicare open-enrollment period is Oct. 15 through Dec. 7. Randall said people on Medicare need to consider a separate, prescription drug or "Part D" program and a Medicare Advantage or supplement plan for additional benefits, such as prescription drugs, vision and dental coverage.
Nationwide, about 180 million Americans get their insurance through an employer-sponsored plan. Randall said employers typically set aside two to three weeks for open enrollment at the end of the year. She said people should think about mental-health coverage as well.
"We have seen an increased interest in mental-health needs lately, so that's another important thing to check on," she said. "Does your employer have an Employee Assistance Program, and does the medical plan benefits that they're offering have the mental health coverage that you're looking for?"
Randall also noted that virtual care is becoming a greater priority for some people.
"Those visits are designed really to be for specific conditions - convenience care, sometimes the maintenance of chronic conditions - and often are more affordable, as well," she said.
She advised people to look into the wellness programs that health plans offer, and any specialty benefits. She added that it's important to understand the terminology - premium, deductible, copay and others - and said UnitedHealthcare offers a guide to these terms on its website.
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A health care workforce shortage in New Hampshire is leaving Alzheimer's patients and their families with few options for treatment.
Patients facing a possible diagnosis are having to wait more than six-months to see a neurologist and are often forced to travel long distances.
Melissa Grenier, regional manager for the Alzheimer's Association of New Hampshire, said while patients wait, the disease progresses and families feel the financial and emotional strain.
"We want people to have the earliest and the most accurate diagnosis possible so that they can implement the best treatments," Grenier urged. "They can plan for the future."
New Hampshire has the most job openings in health care per capita and will need a more than 100% increase in geriatricians to meet demand by 2050.
Grenier pointed out 26,000 people in the state live with Alzheimer's disease and the number will grow to 32,000 next year.
State lawmakers are considering a bill to help build the pipeline of health care workers needed for what has been dubbed the "silver tsunami" of Alzheimer's and dementia patients. Senate Bill 403 would create a rural residency program, expand student loan repayments for medical workers and help expose more students to health care careers.
For now, Grenier noted the state has just 10 respite care facilities for people with Alzheimer's and demand is growing.
"I do not think that New Hampshire has the infrastructure to support our aging population and our growing population of people with memory impairment," Grenier asserted. "And subsequently, the number of people caring for those folks."
Grenier emphasized respite centers offer families a more affordable option compared to home health services, but those living in the state's lakes region or north country have even fewer options. She added people often call the Alzheimer's Association 24-hour hotline looking for advice on the difficult health care decisions they face each day.
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Summer will be here before you know it, and experts say now is the time to get prepared for Arizona's scorching and life-threatening temperatures.
Some 645 heat-associated deaths were confirmed by Maricopa County's Department of Public Health in 2023, breaking the previous year's record by more than 50%.
Dr. Rebecca Sunenshine, the health department's medical director, said the 2023 Heat Related Deaths Report demonstrates this is a significant public health concern for Arizona's most populous county.
"This is really a call to action," she said, "to make sure that we all come together across the county - community-based organizations, cities, the county government - to prevent these deaths almost all of which are preventable."
In 2023, an average of 13 heat related deaths per day occurred during July, with people who were unhoused making up the largest proportion. With hotter months on the way, Sunenshine encouraged Arizonans to check on neighbors and seniors who may live alone, make sure air conditioning systems are working and follow the county's "10 tips" to stay safe in the heat.
In addition to tracking heat-related deaths, the Department of Public Health also conducted an evaluation of cooling and respite centers that were part of Maricopa County's Heat Relief Network last year. Sunenshine said they learned valuable details - including that two-thirds of respondents didn't have a stable home, and that many people found the cooling centers only through roadside signs advertising them.
"Some of the biggest barriers to accessing cooling centers are not knowing they exist, not knowing where they're located and not having transportation," she said, "and we based all our actions this upcoming summer on the results of this cooling center evaluation."
She said they were able to establish a call center, operated by bilingual community health workers, to help connect people not only to heat-relief resources but to energy and security-assistance programs.
Arizonans can call 211 to help find transportation to the nearest heat-relief location, when they open again on May 1.
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This week, an Alabama group is drawing attention to the need for Medicaid expansion.
Currently, approximately 300,000 people are stuck in a health care coverage gap, earning too much for Medicaid but not enough for private insurance.
Debbie Smith, Cover Alabama campaign director for Alabama Arise, said they are reaching out to legislators statewide and sharing information about the stakes involved.
"About 19 of our rural hospitals are at risk of immediate closure," Smith reported. "That means they are at risk of closing in the next year. And having patients that come in that don't have health insurance coverage is not good for their bottom lines."
The Cover Alabama Coalition is engaging lawmakers through meetings in their districts and encouraging residents to share their experiences and thoughts on Medicaid expansion via social media. Although 19 rural hospitals are due for immediate closure, a report on rural hospitals from advisory firm Chartis highlighted more could be at risk in the long run. The report revealed nearly 74% of Alabama's rural hospitals are operating at a loss.
Smith sees Medicaid expansion as a life-or-death matter, which can greatly enhance the quality of life for many residents. She noted it would provide access to preventive care and vital medications, and can help people enter or remain in the workforce. She pointed out the current Medicaid threshold creates barriers for families in need.
"Let's say a single mom with two kids, she can't make more than $4,656 a year and still qualify for Medicaid unless she has a disability or is pregnant," Smith observed. "And at the other end of the perspective, they have to make at least around $25,000 to qualify for the health insurance marketplace."
She added the expansion could also benefit around 5,000 veterans who lack coverage. Currently, 41 states including District of Columbia, have already expanded Medicaid. Mississippi has also recently passed legislation in its House, it is now waiting for a Senate vote.
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