People have the opportunity to enroll in Medicare, or change their supplemental coverage, between now and December 7.

In Montana, insurance experts remind people to check their options when enrolling in standard health-care plans, too.

Montana Medicare recipients will have a $2,000 out-of-pocket cap on prescription drug costs.

Montana's open enrollment period to sign up for coverage on the federal marketplace runs from this Friday to January 15 of next year.

Deputy Insurance Commissioner Frank Cote said for people shopping for plans, it's important to understand which providers are in different health-care networks.

"Are they a broad network that encompasses most of the physicians and hospitals across the state?" said Cote. "Or are they a narrow network that, for instance, only covers one hospital in Billings, or one hospital in Missoula?"

There is a video tutorial on how to enroll on the State of Montana website.

Chief Medical Officer UnitedHealthcare - Employer and Individual - Dr. Rhonda Randall added that beyond understanding which providers are in network, it's also important to check existing insurance plans - because the benefits can change from year to year.

"Are your current benefit plans still meeting your healthcare needs and your budget needs, and has anything changed with your plan?" said Randall. "For example, is your doctor still in the plan? Is the medication you take still covered by the plan?"

Randall and other providers reminded people to look for mental health coverage options in their insurance plan, too.

Maryland is facing a significant shortage of behavioral health professionals and a new report from the Maryland Health Care Commission offered some suggestions to fix the problem.

All but two counties in Maryland are labeled as a partial or complete mental health shortage area. Years of underinvestment and high rates of burnout for behavioral health specialists has caught up with the state. The report found a 50% shortage in the number of professionals needed to adequately care for Maryland's population.

Tiara Fennell, assistant clinical professor and clinic director of the Center for Healthy Families at the University of Maryland-College Park, said behavioral health professionals have long been undervalued, which can lead to burnout. The COVID-19 pandemic, she added, is also partly to blame.

"A lot of it has nothing to do with their intent or their desire to help people," Fennell explained. "It's because of their desire to want to be able to take care of themselves. One of the major things that is a deterrent is people not getting paid enough."

The report showed 45% of behavioral health professionals currently working in Maryland are expected to either retire, leave the state or exit the profession in the next five years.

To tackle the shortage, the Maryland General Assembly passed a Behavioral Health Workforce Investment Fund in 2023 and commissioned a report on how to spend the money. The report recommended focusing on investments in behavioral health. It suggested implementing more "earn while you learn" programs, with paid apprenticeships, fellowships and stipends to lessen the costs of college. More flexible schedules and mentorship programs were also recommended to address the nonfinancial issues of burnout.

Fennell pointed out many behavioral health internships are unpaid and she believes efforts to increase pay and reduce work loads for these professionals will boost recruitment and retention.

"That would make a huge difference getting people interested in this type of work," Fennell contended. "Also, maintaining that workforce -- and having people want to be there long-term, and spend the majority of their employment history -- however long that will be, working in this space."

The Behavioral Health Workforce Investment Fund will allocate more than $148 million over the next five years.


get more stories like this via email

The excitement of the holiday season is celebrated with family get-togethers. But for Alzheimer's patients, large groups can produce fear and confusion. The disease causes brain cell deterioration and the ability to rapidly process information diminishes daily.

Macie P. Smith, a licensed social worker and gerontologist, advised paying attention to nonverbal cues when a patient appears agitated.

"If you're going to have a small, intimate gathering, I also recommend doing name tags," Smith suggested. "Go ahead and put the person's name and the relationship to the person on the shirt, so that way they won't have to guess and wonder and try to figure out who this person is. It just helps with the ease of engagement."

Reminiscing over the family photo album is a traditional holiday favorite. Despite the best intentions, Smith explained, asking an Alzheimer's patient to identify a relative can be frustrating. The questions cause them to use brain cells that are severely impacted and could produce combativeness and aggression. She recommended singing or playing music as better choices.

The Alzheimer's Association Illinois chapter reported 311,000 caregivers cook meals, assist with basic hygiene and monitor medication intake. The needs of patients are unpredictable, leaving them with sporadic break times.

Additional stress from gift shopping and work obligations underlines the importance for a caregiver to routinely nurture their physical and mental well-being. Smith advised using a calendar for scheduling enjoyable activities.

"I've asked caregivers, 'So, what do you like to do?' They don't know, or they don't remember, because they have been so engulfed with caring for someone else and depleting everything that they've had, they've lost a sense of self," Smith observed.

For unmanageable situations, Smith recommends contacting a professional respite care service through your local department on aging. The agencies offer vouchers to pay a certified person to sit with your loved one. Another choice is asking for help from a church member, trusted neighbor or a Medicare or Medicaid-funded adult day service.


get more stories like this via email

A new study found more than 1.4 million children in the U.S., including many in California, have lost a family member to overdose, emphasizing the collateral damage of the drug epidemic.

The study focused on children younger than 18 as of 2019 who had lost one or more parents, siblings, grandparents, aunts or uncles, or cousins to overdose.

Emily Smith-Greenaway, professor of sociology at the University of Southern California-Dornsife and a co-author of the report, explained the effects overdoses have on those left behind.

"Being exposed to drug overdose is a particularly pernicious experience in young kids' lives, because we know drug overdoses are really traumatizing deaths to undergo," Smith-Greenaway explained. "There's probably a lot of hardship leading up to the death. Those deaths are probably very confusing for young kids to process and to understand."

Researchers found most kids who lose family members to drug overdose are between ages 10 and 18. Data show the reach of the problem is getting dramatically worse, because kids younger than 10 are experiencing drug overdoses in their family at younger ages relative to their slightly older peers.

A 2024 study in the Journal of the American Medical Association Psychiatry looked at children who have lost parents to overdose and found the highest rate among non-Hispanic American Indian and Alaska Native families.

Smith-Greenaway pointed out there is currently no system in place to identify, track or monitor children affected by overdose and offer them specialized counseling.

"We need clear supports for identifying this population," Smith-Greenaway urged. "But then also providing them the supports to ensure that there's not a cyclical trauma here that replicates across generations."

Help is out there for parents or caregivers in California looking after a child who is coping with loss due to overdose. Some options include the website of the nonprofit Eluna, or Ronnie's House of Hope, based in Palm Desert.