Open enrollment begins soon for employer-sponsored health insurance for coverage starting Jan 1.

Most people will have multiple options to choose from. Some are complex, so now is the time to do your research. According to the website USA Facts.org, about 7.5% of Indiana residents do not have health insurance. Experts say it is important to shop for plans, see exactly what they offer, and if a choice fits a family's needs and budget.

Dr. Rhonda Randall, chief medical officer of Employer and Individual for UnitedHealthcare, said understanding some of the basic insurance jargon is a good place to start.

"Things like deductibles, copays, coinsurance, premiums, etc.," Randall outlined. "Be familiar with what those terms are and what the costs associated with each one is for the plans that you're offered and the plans that you're considering."

Randall advised paying close attention to out-of-pocket costs and monitoring changes which can occur within a plan each year. She suggested the online health insurance glossary Just Plain Clear, which UnitedHealthcare has compiled. In 2021, more than one-third of Indiana's population was covered by public health insurance funded by governments at the federal, state or local level.

Nearly 17% of Indiana's population is 65 or older and eligible for Medicare. But it does not cover everything, so most people also buy a supplemental policy for added coverage, and a prescription drug plan. The Medicare annual enrollment period starts Oct. 15 and ends Dec. 7, when people can get new coverage or change what they've had.

Randall noted UnitedHealthcare has also compiled an online guide to help people navigate those plans.

"Medicare beneficiaries want to make sure they're understanding and learning the difference between original Medicare -- Medicare Parts 'A' and 'B' -- and Medicare Advantage, Medicare Part 'C' and 'D,' the prescription drugs," Randall explained.

Randall encouraged Hoosiers to consider insurance plans including coverage for telehealth -- virtual 24-hours-a day, 7-days-a-week mental and behavioral health services, or management of chronic conditions, such as migraines, plus physical therapy and wellness visits.

November has been Diabetes Awareness Month - but heading into the holidays, people who are diabetic know they can't lose their focus on keeping it in check. And technology is making it easier to monitor the disease from home.

More than 520,000 Washingtonians have been diagnosed with diabetes.

Dr. Mamatha Palanati is the medical diabetes program director for Kaiser Permanente Washington. She said the disease needs to be managed closely, because it can lead to serious health complications.

Palanati noted that fortunately, people don't need to leave their homes to do this in some cases.

"In today's world, there's a much easier way to do it, like telehealth," said Palanati. "Telehealth provides multiple ways for the follow-up and connection to the health care for any individual."

Palanti said people managing diabetes still should plan to see their physician in person at least once a year. Management of other factors, like blood pressure and cholesterol, can also help reduce complications.

Palanati said monitoring technology can also assist people.

"The family members and caregivers, or anyone who can take care of that particular individual," said Palanati, "can do it remotely and manage their diabetes in a much better way."

Palanati stressed that diabetes is a chronic disease.

"Don't look at this as an additional chore or anything," said Palanati. "Make it as a part of your life. So, be active, making sure you adapt to the healthy lifestyles. It may not be perfect, but try your best to get what you can do."




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As World AIDS Day turns 35, the mother of an Indiana teen who became the public face of the disease is a reminder of the importance of never forgetting the hard work of medical researchers and the victims lost in the frenzy to find a cure.

More than 40 million people have died from AIDS, including Ryan White, who grew up in central Indiana at a time when not much was known about it and medicine offered few treatments. Ryan contracted the disease during a blood transfusion at age 13. He became a staunch advocate against discrimination and helped change how Americans view AIDS.

Jeanne White-Ginder, who eventually left Indiana for Florida, said it is imperative to remember all the lost lives.

"That is so important that we remember all the people who got us to where we are today, because they are no longer here," White-Ginder noted. "And I'm not just talking about Ryan, because Ryan was a face, but there are so many people that did all the work."

Just five weeks after Ryan's death in 1990, Congress overwhelmingly passed the Ryan White CARE Act with bipartisan support. The legislation helps more people get tested for HIV and offers assistance to patients in all stages of the disease.

Ryan's mom emphasized AIDS affects people across the spectrum, regardless of labels.

"A gay person has it, a straight person has it, a blood transfusion person has it; it was for everybody," White-Ginder explained. "Once you have AIDS, you're just like everybody else who has AIDS; you're fighting to stay alive. And people fought to stay alive, and people dedicated their lives to get us to where we are today."

She added Ryan would have turned 52 next week.

His mom plans to travel to Indiana University on his birthday, where the Rural Center for AIDS/STD Prevention will present the Ryan White Distinguished Leadership Award to Dr. Joe and Sarah Ellen Mamlin.


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Advocates for affordable health care are speaking out to remind people what is at stake if the Affordable Care Act is repealed in the wake of recent statements by former President Donald Trump.

Mr. Trump, who leads the polls for the 2024 Republican nomination, has recently said he is looking at alternatives to the Affordable Care Act, and criticized the GOP lawmakers who voted against his attempts to end the program in 2017.

Laura Packard, a Stage 4 cancer survivor, noted before the Affordable Care Act, insurance companies were allowed to deny coverage to people like her with pre-existing conditions.

"While I was on the couch, trying to survive, that's when Republicans in the U.S. House voted to repeal the Affordable Care Act that was keeping me alive," Packard recounted. "Then, they held a party to celebrate. We can't go back to that."

The Affordable Care Act created health exchanges -- like Covered California -- offering subsidized health insurance to millions of people. And it funded an expansion of MediCal, benefiting 5 million low-income Californians in the first six years after the law's passage.

Sen. Ron Wyden, D-Ore., who helped write the health care law, said the Affordable Care Act forces health insurance companies to cover basic services like maternity care, mental health services, cancer screenings and contraception. The idea of getting rid of the law has been largely unpopular, and Wyden knows why.

"It would mean higher premiums for families and health insurance," Wyden pointed out. "And it would also threaten Medicaid nursing home benefits, because Medicaid is paying much of the nursing home bill for this country."

The law also allows adult children to stay on their parents' health plans until age 26 and bans lifetime caps on coverage.


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