FOR YOUR HEALTH: Three Ways To Keep Your Child Safe From COVID-19

(NAPSI)—Children and teens are catching and spreading COVID-19 at an increasingly high rate. Even if your child or teen has not yet contracted COVID-19, they are at risk, especially with the low number of vaccinated residents in North Dakota.

“In the early months of the COVID-19 pandemic, older people were most likely to get the virus. Now it is affecting everyone, and children and teens are also at risk of contracting the virus and experiencing long-lasting impacts,” said Dr. Avish Nagpal, Medical Director for Infection Prevention at Sanford Health and Clinical Associate Professor at the University of North Dakota. “We need to do everything we can to keep all our kids safe, and the best way to do that is to get more people vaccinated.”

Parents and other adults in a child or teen’s life can take steps to protect young people and themselves.

Get Your Child Vaccinated When Eligible

The best way to protect your children from COVID-19 and all the potential complications is to get them vaccinated as soon as they are eligible. The COVID-19 vaccine is free, widely available, and highly effective in preventing hospitalization and death from COVID-19. Like most vaccines, some minor side effects may occur, such as a sore arm or slight fatigue, but the symptoms and long-term impact of contracting COVID-19 are much more serious. Ultimately, it is much safer for children and teens to get a COVID-19 vaccine than getting the disease itself.

Practice Prevention

If your children are not eligible to be vaccinated, you can still keep them safe from COVID-19 by practicing recommended prevention methods such as physical distancing when possible and continuing to wear a mask, especially in crowds or while indoors. Even people who have been vaccinated should wear a mask in crowds and public indoor places. Most children can safely and effectively wear face masks, so it’s important to remind them that it keeps them safe and to set an example by wearing a mask, too.

Encourage Adults In Your Child’s Life To Get Vaccinated

Ensuring that those who spend time around your child are vaccinated helps keep an unvaccinated child from getting sick or spreading COVID-19 to other vulnerable people. Talk to the adults in your child’s life—grandparents, friends’ parents, and teachers—about getting vaccinated to protect themselves and your child.

Children and teens are just as susceptible to COVID-19 as adults, and they can spread the virus to others who are at even greater risk. A growing number of children and teens have been hospitalized with COVID-19. Getting all eligible children and teens vaccinated and following simple prevention measures will protect them, their families, and friends, and get everyone one step closer to getting this pandemic under control.

Learn More

For more information and to find a vaccine, visit www.vaccines.gov.

FOR YOUR HEALTH: A Change Of Heart On COVID-19 Vaccination

Getting the COVID-19 vaccine can greatly reduce your risk of death from that disease.

(NAPSI)—Stephanie Bramlett of Winder, Georgia, is one of many in the Southeast region who has experienced the effects of COVID-19 firsthand. Earlier this year, when the entrepreneur and mother of three was told she could get vaccinated, she was hesitant. She eats well, exercises regularly and never gets sick with the flu, so she assumed she’d be fine even if she was exposed to the virus. “I didn’t want to be first,” Bramlett said. “It felt too new.”

Then her son attended church camp, and, unknowingly, brought the virus home. Bramlett woke up one morning with a throbbing headache, 103-degree fever and fatigue. She also discovered she had lost her sense of smell and taste, telltale symptoms of the coronavirus. Eleven days later, she couldn’t get out of bed. Her head was hurting so badly that her husband took her to the hospital where they checked her for a brain bleed.

“I was terrified because I had never had head pain like this before,” said Bramlett. She was diagnosed with inflammation of her brain vessels and myocarditis, a heart condition that made her heart feel like she was constantly running on a treadmill. Her body swelled as her kidney functions failed. Her recovery ultimately took 72 days.

“It was really, really scary and I don’t wish that on anybody,” Bramlett says of the experience.

While Bramlett was ill, she asked her doctor if she could get vaccinated, but her medical team advised that she had to wait until she was feeling better. The moment she was cleared, Bramlett went right to the drug store for her vaccine.

“The hardest part was that people were dying all around me the entire time I was sick—healthy people, young people,” Bramlett reflects. “I just felt so stupid. Here’s this vaccine available and I just assumed that it wouldn’t happen to me.”

In fact, COVID-19 remains a serious threat across the U.S. as we head into the pandemic’s second winter. The Delta variant, which now makes up virtually all cases in the country, spreads more easily than the common cold and has led to a dramatic increase in hospitalizations nationwide. This rise in serious cases and deaths was most pronounced in the Southern U.S., where vaccination rates are lower.

What The CDC Says

According to the Centers For Disease Control and Prevention, people who have not yet been vaccinated are 29 times more likely to be hospitalized and 11 times more likely to die from COVID-19 complications, compared to those who have already received their vaccine.

Other CDC data reveals people ages 18 to 49 are the largest demographic hospitalized for COVID-19 as of September 25. Studies also show that even for individuals who have a mild case of COVID-19 and avoid hospitalization, they remain at risk of post-COVID symptoms, often called long COVID, that may last for weeks, months or longer. Symptoms of long COVID appear to affect as many as one in three people infected with the virus.

Bramlett now shares her experience with her friends and family to encourage them to consider being vaccinated. She urges everyone to talk to their doctor and learn about how they can keep themselves healthy and safe, so they can be present for their own children and families. To those still hesitant, Stephanie Bramlett says: “I understand. I understand that people are scared. I respect whatever decision you make or how you feel about the COVID-19 vaccine, but I would encourage people to do what they have to do to find the truth and do what you need to do to keep yourself healthy and safe.”

Learn More

COVID-19 vaccines are safe, effective, widely available and free to everyone in the U.S. age twelve and older. Additionally, the FDA has formally approved Pfizer’s COVID-19 vaccine in the U.S. for those sixteen and older.

If you have questions about the COVID-19 vaccines, talk to a doctor or pharmacist, and visit www.GetVaccineAnswers.org for the latest information.

FOR YOUR HEALTH: Talk To Your Kids About The Dangers Of Flavored Tobacco

It’s possible to create a better, tobacco-free future in California. You can start by talking to your kids about the dangers of flavored tobacco.

(NAPSI)—After a year and a half of remote learning and social distancing, kids are back to socializing after school and between classes. A return to school also means kids are once again exposed to the dangers of vaping and flavored tobacco products, which could worsen with a return to in-person learning.

The Problem

The tobacco industry knows flavored tobacco is highly addictive—and that’s why it targets kids. Among high school kids in California, 96% of teens who vape use flavored products. By giving vapes and smokeless tobacco products such kid-friendly flavors as Blue Razz, Pegasus Milk, and Menthol Freeze, the tobacco industry falsely markets them as less harmful than cigarettes.

Flavors might mask the harsh taste of tobacco but they don’t hide the toxic chemicals that can damage lungs and the nicotine that is poisonous to developing brains.

Nicotine addiction is especially dangerous for kids. It rewires the brain to crave more of it, creating nicotine withdrawal symptoms including headaches, mood swings and the inability to concentrate. Nicotine even changes the way connections form in the brain and can also interfere with attention and learning.

Big Tobacco understands these harms, yet it still uses flavored products to target youth to turn them into lifetime addicts. Many vape brands now use a highly concentrated form of nicotine called nicotine salts that’s engineered for vaping. These ‘salts’ let higher concentrations be inhaled more easily, and absorbed more quickly, than regular nicotine—addicting kids even faster.

The tobacco industry also experiments with new ways to push nicotine onto youth. In rural communities, it markets smokeless tobacco called chew, and snus—a new product that’s a smokeless tobacco pouch. More than 80% of youth ages 12 to 17 who have ever used snus indicated that the first type of the product they used was flavored.

The industry markets these products, particularly to young men, by showcasing images of rugged cowboys, hunters, and race-car drivers—presenting tobacco use as a rite of passage. This specific targeting may explain why students at rural and town schools have more than double the rates of smokeless tobacco use as those in city or suburban schools.

The Good News

The rate of teens in California who want to quit vaping doubled from 2018 to 2020, and the majority of California teens believe their close friends view vape use negatively. Education about the harms of flavored tobacco products is working, but with kids going back to in-person learning, it is crucial to continue making progress.

Learn More

Kids need support to quit the addictive and deadly products pushed on them by the tobacco industry. Parents and families who want further facts about the dangers of flavored tobacco use or to find quit resources, can visit www.flavorshookkids.org. Californians looking to quit can text “I Can Quit” to 66819 or visit www.NoVapes.org to join the free quit program.

FOR YOUR HEALTH: Untreated Vision Loss Can Speed Cognitive Decline

Getting a thorough eye exam can solve some surprising health matters for many people.

(NAPSI)—There’s a reason you shouldn’t skip your routine eye exam—and many people don’t even know about it. A growing body of research shows that vision loss can affect how well your brain works. The most recent study found that people who scored poorly on vision tests were more likely to suffer from deficits in memory, language and the ability to identify and locate objects in space. To protect your brain, get an eye exam to make sure correctable vision problems are detected and treated. The American Academy of Ophthalmology recommends all adults receive a comprehensive eye exam by age 40, and every year or two after age 65.

Why Check Your Eyes

Here are three more reasons to get your eyes examined:

  1. The leading causes of blindness— including glaucoma and age-related macular degeneration—can begin without any noticeable symptoms,. The best way to protect your vision is to see an ophthalmologist, a physician who specializes in medical and surgical eye care.
  2. Seeing an ophthalmologist can improve your overall health. Blood vessels and nerves in your eyes are reflective of the rest of your body. Ophthalmologists are sometimes the first to diagnose systemic diseases, such as diabetes, multiple sclerosis or vitamin deficiencies. For example, when David Hibler, Sr. went to get his eyes checked, his ophthalmologist detected signs of a blood clot just by looking into his eyes. Seeing an ophthalmologist helped save Hibler’s life, as it led him to get appropriate medical attention to avoid a potential stroke.
  3. Some adults shouldn’t wait until they are 40 to have a complete eye exam. See an ophthalmologist now if you have an eye disease or risk factors such as:
    • diabetes
    • high blood pressure
    • family history of eye disease.

EyeCare America Can Help

If the cost of an eye exam is a concern, the American Academy of Ophthalmology’s EyeCare America program may be able to help. This national public service program provides eye care through volunteer ophthalmologists for eligible seniors 65 and older and those at increased risk for eye disease.

Learn More

For further information regarding EyeCare America and to see if you or someone you care for can qualify, visit www.aao.org/eyecare-america.

FOR YOUR HEALTH: New Hope for Treating Neurodegenerative Diseases

Dr. Silver, renowned spinal cord injury and regenerative medicine researcher, studies new treatments for MS and Alzheimer’s.

(NAPSI)—Scientists have searched for decades without success for ways to repair the devastating damage caused by neurodegenerative diseases, but there are now new compounds in clinical development that offer hope.

The Problem

When there is a mass die-off of neurons in the body, the central nervous system misfires like a faulty circuit board—one that cannot be fixed without replacing the blown fuses. This major physiological malfunction tends to trigger the onset of some of the hardest-to-treat neurodegenerative diseases, including Alzheimer’s disease and multiple sclerosis (MS).

These are terrible afflictions that affect millions of North Americans. They also cost the healthcare system billions of dollars a year, mostly spent on managing physical and mentally debilitating symptoms that inexorably get worse.

What’s more, current treatments can only “modify” (slow down or mitigate) the destructive effects on the human body caused by the mass death of neurons in the brain or spine.

The Search For A Solution

With that all said, many people may be relieved to learn of a small Canadian-headquartered biotech start-up that offers new hope to tens of millions of sufferers of neurodegenerative diseases. With Phase 1 clinical trials already underway, NervGen Pharma believes it’s on-track to become a big breakthrough thanks to its blockbuster drug candidate—NVG-291.

NVG-291 is a peptide (a small protein) that works by targeting the protein tyrosine phosphatase sigma (PTP?) receptor that blocks nerve repair following injury, whether from trauma or conditions such as MS or Alzheimer’s disease. NervGen targets nerve cell repair, while promoting plasticity to create new neural pathways.

NVG-291 is the brainchild of Dr. Jerry Silver, a renowned spinal cord injury and regenerative medicine researcher whose pioneering work addresses a diversity of conditions defined by a damaged central nervous system. These include degenerative diseases, spinal cord damage, stroke and traumatic brain injury.

Researchers are currently conducting trials in healthy volunteers. This will transition to studies for several of these medical aliments. In particular, the company has stepped up its interest in NVG-291’s ability to tackle Alzheimer’s disease.

The company works with Dr. Ksenia Kastanenka of Massachusetts General Hospital—which has a long history of supporting cutting-edge research and innovation in medical research—to study NVG-291 in animal models of Alzheimer’s disease.

It’s also preparing to enter a Phase 1b clinical trial for Alzheimer’s patients in 2022 following ongoing Phase 1 safety trials for the drug candidate.

An Expert’s Opinion

According to NervGen’s CEO, Paul Brennan, “The multiple preclinical studies that we are conducting, as well as our planned Phase 1b study, are important milestones for our Alzheimer’s program, which, if successful, will provide a meaningful benefit to patients and significant potential for NervGen.

“What differentiates NVG-291 from other drugs in development is that it leverages multiple mechanisms for repairing nerve damage, while most others focus on a single approach. Alzheimer’s disease is a complex condition and likely caused by multiple factors. We believe that a systems approach to treating the disease is an important distinction.”

Brennan adds, “All told, NVG-291’s ability to remyelinate and enhance plasticity is a one-two knockout punch for repairing a damaged central nervous system, which is the end result on a diversity of neurodegenerative diseases, as well as traumatic brain and spinal injuries. NVG-291 could herald a revolutionary new paradigm in treating all of these chronically debilitating conditions.”

The company’s continued strides toward launching this new class of drugs offers renewed hope to millions.

Learn More

For further facts on the research and clinical trials, go to www.nervgen.com.

FOR YOUR HEALTH: Insulin at 100: How The Discovery Improved Lives

Managing type 1 diabetes is getting easier thanks to research by the NIDDK.

(NAPSI)—The discovery of insulin 100 years ago led to many research and clinical advances that have greatly improved strategies used to help people manage diabetes to live longer and healthier lives.

Before insulin, physicians treated people with diabetes, a disease that occurs when blood glucose—or blood sugar—is too high, by recommending changes in their diet. In 1921, scientists at the University of Toronto found that pancreatic extracts from healthy dogs reduced blood glucose levels in other animals with diabetes. By 1922, the pancreatic extract, now known as insulin, was chemically processed and used in studies to treat people with type 1 diabetes.

This discovery, which led to the development of better insulin formulations over time, also led to a series of research studies conducted or supported by the NIH’s National Institute of Diabetes and Digestive and Kidney Diseases (NIDDK) that have dramatically changed how people with diabetes, especially type 1 diabetes, live. For instance:

  • In the 1970s, NIDDK researchers developed a more effective form of artificial human insulin using DNA technology. This artificial human insulin was purer and of higher quality than the animal-based insulin.
  • In 1983, the NIDDK launched the Diabetes Control and Complications Trial (DCCT). This study showed that when people with type 1 diabetes use insulin to keep their blood glucose levels as close to their target range as possible, they are at significantly less risk for developing diabetes-related eye, kidney, and nerve diseases.
  • Since 1994, the Epidemiology of Diabetes Interventions and Complications or EDIC trial has followed DCCT participants to show that keeping blood glucose levels steady over time helps people with type 1 diabetes live healthier and longer.

The discovery of insulin also led to research that has made managing diabetes easier and more effective. Such results led to the development of continuous glucose monitoring, insulin formulations that work faster or last longer throughout the day and keep blood glucose stable longer, and wearable insulin pumps.

Despite the many ways in which insulin has improved the well-being of people with type 1 diabetes, managing blood glucose levels is still a challenge. That is why the NIDDK continues to support research into insulin and other diabetes management tools and technologies. For example:

  • NIDDK scientists are studying ways to make insulin more patient-friendly by developing formulations that do not need to be refrigerated and creating smaller, easier-to-use insulin pumps and blood glucose monitoring devices.
  • Recent research shows artificial pancreas technology, also known as closed-loop control, can automatically monitor and regulate the delivery of insulin, which may reduce patient burden and help keep blood glucose levels in a healthy range.
  • The NIH’s Rare and Atypical Diabetes Network, or RADIANT (www.atypicaldiabetesnetwork.org), helps researchers better understand unusual or unknown forms of diabetes.
  • The NIDDK continues to study how type 1 diabetes occurs and how to prevent the disease. For instance, the NIDDK-supported TrialNet (www.trialnet.org) project is a collection of screening tools and research studies designed to help scientists learn how to slow or stop type 1 diabetes before or soon after patients are diagnosed.

The NIDDK remains committed to conducting diabetes research to help patients with diabetes live healthier lives and make the goal of finding a cure for type 1 diabetes more reachable.

To learn more about diabetes, including the latest research, visit the NIDDK website at www.niddk.nih.gov.

FOR YOUR HEALTH: Increasing Diversity In Cancer Clinical Trials

Researchers are looking for new and better ways to reduce racial and ethnic disparities in cancer research and improve outcomes for minority populations.

(NAPSI)—There’s good news, bad news and better news about combating cancer in America these days.

The good news is there’s been an overall decline in U.S. cancer deaths since 1991.

The bad news is not all patients have benefited equally from advances in prevention, early detection and precision medicine. One study found that around 8.1 percent of cancer patients participate in a clinical trial. Of those, FDA data show that only 4 percent of clinical trial participants are Black and 5 percent are Hispanic.

What’s more, minority groups overall in the U.S. have both the highest death rate and shortest survival rate for most cancers. These inequities in cancer care have been ongoing for decades, due in part to socio-economic barriers, insufficient information about trials and their benefits, as well as other challenges.

The better news is a major funder of cancer research is working to tackle cancer disparities. Stand Up To Cancer® (SU2C), which raises money to accelerate the pace of research to get new therapies to patients quickly and save lives now, began formalizing its Health Equity Initiative in 2017. The initiative aims to increase minority representation in cancer clinical trials and ensure new cancer treatments are effective for all.

Improving diversity in cancer clinical trials

Moving forward, SU2C-funded research teams will be required to address issues related to recruitment and retention of patients from minority groups to improve diverse participation in cancer clinical trials.

“As one of the leading funders of cancer research, we believe it is our duty to ensure that minority representation in cancer clinical trials is addressed. Now, more than ever, better understanding of the role of biology in cancer treatment, advances in precision treatment, and development of new technologies demands that we also make significant improvements in diverse clinical trial participation,” explained SU2C CEO Sung Poblete, PhD, RN. “We are confident that this initiative will make a significant and meaningful impact to ensure all communities have equal access to potentially life-saving treatments.”

SU2C is collaborating with a number of industry leaders who are also committed to improving cancer disparities, including Genentech, Exact Sciences, Bristol Myers Squibb and Amgen. Funding from these donors supports SU2C’s Health Equity Initiative, including cancer screening and clinical trial awareness efforts as well as research into specific types of cancers that disproportionately impact people of color. Another collaboration with the Black Women’s Health Imperative and Friends of Cancer Research is Project TEACH, which will empower Black women to effectively engage with researchers and clinicians as well as increase participation of Black women in cancer-focused clinical trials. Project TEACH is supported by the Patient Centered Outcomes Research Institute.

“Bringing a diverse patient population into the clinical trials arena is complex,” said Dr. Edith A. Perez, MD, professor of medicine at Mayo Clinic, chief medical officer at Bolt Biotherapeutics, chair of the SU2C Health Equity Committee and vice chair of the SU2C Scientific Advisory Committee. “As a part of this effort, Stand Up To Cancer is amplifying the conversation around health equity so that researchers, institutions and cancer research funders join this effort and become more engaged in increasing diversity in cancer clinical trials, similar to Stand Up To Cancer’s successes in normalizing collaboration across cancer research.”

Learn More

For further facts and stats about Stand Up To Cancer, go to www.StandUpToCancer.org.

FOR YOUR HEALTH: Dental Sealants Can Cut Kids’ Cavity Risk 80 Percent

Smile: Sealants may mean kids can avoid getting cavities and their parents can avoid paying for them.

(NAPSI)—Parents can help their children practically eliminate their chance of getting cavities, often at no cost—yet they don’t. Here’s a closer look at this conundrum:

Be Smart About Sealants

Beyond daily brushing and flossing, dental sealants have been shown to significantly reduce the risk of cavities in kids—yet the clear protective coatings, which work by filling the deep grooves where bacteria can accumulate—remain largely underused.

The thin, slippery coating applied to the chewing surfaces of back teeth (molars) makes it difficult for plaque to adhere, which prevents decay from sticking to the pits and grooves of molars. By blocking germs and food, sealants provide protection against tooth decay by nearly 80 percent in molars for two years and they continue to protect against 50 percent of cavities for up to four years, according to the Centers for Disease Control and Prevention.

“Children without dental sealants are three times more likely to develop cavities,” says Nadia Fugate, DMD, who serves as a Delta Dental of Washington dental consultant. “Sealants are one of the most effective ways to reduce cavities among children 5 to 15 years old.”

Dr. Fugate adds that dental sealants are safe, require no drilling, and are less expensive and easier to apply than fillings. Sealants last five to 10 years and are applied in a simple three-step process performed by the dentist or a dental hygienist:

•Teeth are cleaned with a special toothpaste

•A cleansing liquid is applied gently with a small piece of cotton and rinsed off

•The sealant is “painted” onto the tooth, requiring about a minute to form a protective shield

Sealants and Insurance

Dental sealants are completely covered by most employer-sponsored dental plans, with little or no out-of-pocket expense to parents; for those with individual and family plans, insurers such as Delta Dental offer a free online estimator which calculates any out-of-pocket cost based on the child’s specific benefits and the dentist. In addition, many schools offer a school sealant ­program—ask your school nurse if your child’s school participates.

Learn More

For further information about dental sealants, visit Delta Dental of Washington’s blog at www.DeltaDentalWA.com/blog.

FOR YOUR HEALTH: Time To Return To Regular Screening

It is important for men to be vigilant about their routine health screenings.

(NAPSI)—The COVID-19 pandemic took its toll on lives in more ways than many realize. For example, it meant too many Americans neglected getting the regular health testing—particularly cancer screening—they should.

According to the Journal of the American Medical Association, an estimated 41% of U.S. adults reported forgoing medical care early in the pandemic. If you or someone you care about is among them, now may be a good time to schedule a doctor’s appointment. Members of the medical community fear that in a few years, all too many men will be diagnosed with later-stage, less-treatable prostate cancer.

As it is, the American Cancer Society, reports about one in eight American men will be diagnosed with prostate cancer. Fortunately, it can be treated successfully, especially if caught early. If you’re 50 or older or have a family history of prostate cancer, speak to your doctor about screening.

Understanding Prostate Cancer

There are four stages of prostate cancer. Stage one is diagnosed very early and confined to the prostate. At this stage, the patient is unlikely to have any symptoms and may not need treatment beyond regular follow-up tests—and the five-year relative survival rate is almost 100 percent.

Some Answers

Testing: Prostate cancer can be diagnosed with a simple blood test, the PSA, which checks the level of prostate-specific antigen in your blood.

In the past, there was controversy about whether having a prostate cancer screening done was beneficial or if it produced more harmful effects due to complications from over-testing. PSA testing was the best thing available for a long time.

Now there are tools that provide much more information, giving predictability about the aggressiveness of the cancer and data to help urologists safely manage their patients’ disease. This lets urologists keep more patients on active surveillance regimens and put off more aggressive treatment. Using tests such as the Gleason grade score, overall patient health and risk factors—age, race, ethnicity, family history and exposure to Agent Orange—doctors can determine with confidence how aggressive the cancer is and which patients will do well on active surveillance. They’ll also know which therapy options will be the optimal for the patient.

Making it easier for doctors and their patients to do this testing is the full range of diagnostic equipment and supplies available through the trusted advisors at Henry Schein Medical, a provider of medical and surgical supplies to healthcare professionals.

Treatments: There are many ways to treat prostate cancer, including hormone therapy, surgery, chemotherapy, radiation and cryoablation. The newest innovation is immunotherapy, which uses your own immune system to identify, target and destroy the cancer cells without harming the body’s own “good cells.” Your doctor can help you decide what’s best for you.

It’s important to remember you have the most options available when prostate cancer is diagnosed early and in the most treatable stage.

Paying: Many insurance policies will pay for diagnostic tests and in some places, such as New York State, there’s no co-pay or co-insurance cost sharing responsibility for diagnostic prostate cancer screenings (with such policies). This puts PSAs on the same level as mammograms, thanks to efforts of advocates and doctors such as those at Advanced Urology Centers of New York, one of the largest urology group practices in the country.

Learn More

For further facts, visit the American Cancer Society at www.cancer.org and Integrated Medical Foundation (IMF) at https://imfcares.org/. IMF provides free screenings, education and support services.

FOR YOUR HEALTH: Finding Health Insurance Coverage Pre-Retirement

If you’re thinking of retiring early, it’s a healthy idea to plan for health care coverage beforehand.

(NAPSI)—More Americans may be looking to retire before age 65, according to several studies. However, they need to understand their financial needs, both long term and before age 65. This includes enrolling in health insurance to cover the gap before they are Medicare-eligible at age 65.

“Choosing the right health coverage may seem difficult as many people have never shopped for their own health insurance or worry that they cannot afford it,” said Mark Smith, president of HealthMarkets Insurance Agency, one of the largest independent health insurance agencies in the United States. “There is a wide range of coverage options available to meet your unique care needs and financial situation pre-retirement.”

And the time to decide what may work best for you is before you retire. So “Step One,” know your options.

Health Care Coverage Guidance and Enrollment Support

People can find support through healthcare marketplaces, insurance carriers, insurance brokers and other licensed insurance agents to help determine what plans are best for them.

For example, GetCovered, powered by HealthMarkets, is a free service that provides guidance for people who need health coverage. Working with licensed insurance agents, people can learn what they are eligible for, including government options such as Medicare/Medicaid, or find commercial health plans that best meet their individual needs. Agents can also help them enroll in many of these plans.

Questions to Ask

To find the right coverage, it’s important to know what’s available, what to ask, and what information you need to enroll. To narrow your options, know:

•When your current coverage ends.

• If you have coverage under an employer group health plan, does your company offer COBRA (Consolidated Omnibus Budget Reconciliation Act).—Under COBRA, people maintain their current plan benefits. They pay the total cost of the insurance including their premiums plus the dollars formerly contributed by their employers. Worth noting: People who voluntarily leave their places of employment are not eligible for COBRA premium assistance – such assistance ends at the end of September 2021.

• What benefits do you need or want.

• Will you be seeking part-time employment—or do you have a part-time job lined up. If yes, are health benefits offered to part-time workers?

• What can you afford. Think about what portion of your monthly budget can be used for health coverage or other insurance. You may be eligible for additional options based on your specific financial situation.

Health Coverage Options

If coverage under COBRA or Medicare are not options—and you are not planning on working even part time, here are others to consider:

• Medicaid—Eligibility is based on income, disability, and other circumstances.

• Individual exchange/marketplace plans—These ACA plans are available through federal or state enrollment sites. Based on your income, you may be eligible for plan subsidies making one of these plans more affordable. Unemployment would be a “qualifying life event” to enroll in an ACA plan outside of the annual Open Enrollment Period.

• Short-term plans—Short-term limited insurance plans provide coverage to bridge the gap between longer-term insurance coverage. These plans have a fixed duration of a few months to several years and do not have the same coverage requirements as ACA plans.

“Health coverage decisions can be made simpler—and there are resources to help,” Smith said. “Regardless if you choose to do your own research and enrollment or engage outside services, determining what you need and can afford will help you find good health coverage that ensures you have access to care.”

Learn More

To get started with healthcare coverage and for further facts, call (877) 270-0029 or visit www.getcovered.com.