HARRISBURG, Pa. -- Pennsylvanians have less than two months until open enrollment through Pennie, the state-run health insurance marketplace, and medical professionals say there is a lot to consider when trying to pick a plan which is right for you.

For residents who need to purchase their own plan for 2022, open enrollment through Pennie will run from Nov. 1 through Jan. 15. Twelve insurance companies are offering individual market plans through the exchange, with an average proposed rate increase of 2% from the previous year.

Dr. Rhonda Randall, chief medical officer for UnitedHealthcare employer and individual, said planning ahead is key when finding an affordable plan.

"Anticipate what your expenses are for next year," Randall suggested. "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?"

More than 330,000 Pennsylvanians are enrolled in coverage through Pennie, which replaced Healthcare.gov in the state in Sep. 2020.

Nearly 2.8 million state residents get their insurance through Medicare, which is for people 65 and older or living with a disability. Medicare offers robust coverage, but does not pay for outpatient prescription drugs or other types of care.

Randall recommended enrolling in a Medicare Advantage plan, which includes prescription drug coverage.

"You need to pick a separate prescription drug Part D program," Randall explained. "It generally doesn't cover supplemental benefits and things like vision, dental and hearing in most circumstances."

There were 31 stand-alone Medicare Part D plans available in the Commonwealth for 2020, with monthly premiums ranging from $13 to $168. Medicare recipients can make changes to their coverage during the fall election period each year, from Oct. 15 to Dec. 7, with coverage taking effect Jan. 1.

Summer is usually a fun time to enjoy the outdoors with family and friends, but experts said Missourians should be taking precautions to keep a day of fun in the sun from causing serious health concerns.

With climate change, summers have been measurably hotter in the Midwest than in previous years.

Dr. Peter Panagos, professor of emergency medicine and neurology at Washington University-Saint Louis, said if you are going to be outside, choose the right time of day.

"Typically in the Midwest this time of year, it's quite hot with ambient temperatures above 90," Panagos pointed out. "If you can avoid the hottest part of the day, with often can be around noon, between, like, 10 and 2 p.m. or 3 p.m., where the sun is at its highest and its hottest."

Panagos noted it is best to plan activities for early morning or early evening. If you are exercising or hiking, he suggested you go around 7 or 8 in the morning. He advised hikers and runners to take plenty of water and a wide-brimmed hat or baseball cap to help keep your face shaded and your head cool.

Even if you take precautions, being outdoors in the summer can lead to dehydration and sometimes, heat-related illnesses. Panagos emphasized knowing the signs of heat stress can help you deal with it before it becomes a serious matter.

"You may notice things such as dry mouth, kind of all of a sudden shutting down or lack of sweating, dizziness, confusion, headaches, muscle ache," Panagos outlined. "That is your body's way of telling you that it's advancing from just heat exposure to potential heat exhaustion."

Kids love the outdoors, and favorite summer activities include playing their favorite sports, bike riding or going to the pool to cool off. But children are often more susceptible to injuries than adults.

Dr. Donna O'Shea, chief medical Officer of population health for UnitedHealthcare, said a video chat with your doctor can help you decide whether to treat a problem at home or seek medical help.

"Virtual care can help you determine how much, how long to wait, before you go to the emergency room," O'Shea recommended. "Same thing even for sunburns, or for bike safety: 'Do I need to go in?' 'Do you think I need stitches?' And we don't think about that."

Until the pandemic, telehealth and telemedicine were still outliers in health care but they have gone mainstream, especially benefiting underserved and rural New Mexico communities.

Heather Dimeris, director of the Office for the Advancement of Telehealth at the Health Resources and Services Administration, the primary federal agency tasked with improving access to health care services for people who are uninsured, isolated or medically vulnerable, said a national conference being held today will bring public- and private-sector leaders together to discuss topics related to best practices.

"Telehealth licensure, agreements between states to help practitioners practice across state lines, as well as access to broadband," Dimeris outlined. "This is free and virtual and it's open for the public."

Dimeris explained government data show patients who get telehealth services have the same, and in some cases better, outcomes as in-person visits.

Dimeris noted underserved communities often see benefits and improvements in their quality of life through behavioral-health services via telehealth. And those who qualify can leverage the federal Lifeline program, a free government phone service through the Federal Communications Commission.

"Internet is really a foundation of good telehealth services and we can do audio-only appointments, or appointments over the phone, but it's always nice to at least have the video chat," Dimeris pointed out. "That connectivity can be really hard in remote areas of New Mexico."

She added expanding virtual visits could cut down lengthy waitlists for urgent appointments. And she acknowledged many people seeking mental health services prefer to talk with a doctor in order to bypass stigma sometimes experienced with office visits in small communities.

A new analysis from Washington state shows passing an initiative making a long-term care benefit program optional could cost taxpayers millions.

Initiative 2124 would make optional the WA Cares program, in which workers contribute a little more than 0.5% of their paychecks for access to long-term care benefits. The Office of Financial Management estimates passage of the initiative would cost the state between $12 million and $31 million within three years.

Kristin Hyde, press secretary for the group No on 2124, said other analyses have found even greater consequences.

"This initiative would effectively actually end the program, it would shutter it, it would bankrupt the program," Hyde contended. "By 2027, in effect benefits would not be able to be paid out for the nearly 4 million workers who have been vesting in the program."

Supporters of the initiative, including Rep. Jim Walsh, R-Aberdeen, said the program provides little practical effect and people should have choice on whether to contribute to the program. Under the program, Washingtonians will have access to up to $36,500 in benefits from the WA Cares Fund starting in 2026.

Hyde noted the program can be used to pay home aides, for instance, which could help more than 800,000 family caregivers in the state. She added many caregivers are women who sometimes have to choose between work and taking care of family members.

"Long-term care is not covered by regular health insurance and it's also not covered by Medicare," Hyde pointed out. "It's this gap and so we're really in a rock and a hard place here. We don't have anywhere to turn."

Hyde explained it is why state lawmakers approved the WA Cares Fund. She stressed the benefits are flexible and available for use on expenses like home modifications as well.


get more stories like this via email