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Greg Nicholaides

April 18, 2025 By Greg Nicholaides

Regular Brisk Walks and Other Exercise Can Help Prevent Falls in Older Women

By Becky Upham

Jan. 31, 2025

New study finds that being active 30 minutes a day, 5 days a week can help prevent falls and injuries in older women.

Older women who exercised the equivalent of 30 minutes a day, five times a week were up to one-third less likely to hurt themselves in a fall, according to an Australian study published today in JAMA Network Open.

Brisk walking and moderate or moderate-to-vigorous activity were also all associated with lower risk, the authors wrote.

The findings are encouraging, though not necessarily surprising, says Deborah Kado, MD, a geriatrician at Stanford Health and co-director of the Stanford Longevity Center, both in Palo Alto, California.

“It’s good to see data that suggests that getting more physical activity is associated with a lower risk of falling. Although we often take mobility — the ability to move safely from one place to another – for granted, when you lose it, you really lose your ability to be independent,” says Dr. Kado, who was not involved in the research.

3 Million Older Adults Go to the ER Each Year Because of a Fall

The Centers for Disease Control and Prevention estimates that about 1 out of 4 older U.S. adults fall each year, and about three million are treated in the ER, making it a major health concern.

Falls resulting in hip fracture are especially concerning – one meta-analysis suggests that about 3 in 10 older adults who break their hip die within the next year.

More Than 1 in 4 Participants Reported Falling Within the Past Year

The evidence on whether physical activity reduces fall risk has been inconsistent, and it’s also not clear how much exercise is required, according to the authors. To find out more about how physical activity impacted both injurious and non-injurious falls, researchers recruited over 10,000 women between the ages of 45- and 50-years old back in 1996. Over 7,000 participants, with an average age of 67 years old, completed follow up questionnaires between 2016 and 2019.

Participants self-reported their weekly amount of three types of physical activity:

  • Walking briskly, for recreation or exercise or to get from place to place
  • Moderate activity, such as social tennis, moderate intensity exercise classes, and recreational swimming
  • Vigorous exercise that made them breathe harder or puff and pant, like aerobics, vigorous cycling, running, and swimming

The subjects were then placed into groups according to the number of minutes they logged: none, less than 150 minutes, 150 to 299 minutes, and 300 minutes or more.

Those amounts were chosen to align with the World Health Organization (WHO) guidelines on physical activity. “Any amount of physical activity is better than none, and more is better,” advises WHO. The organization recommends at least 150 to 300 minutes of moderate or vigorous aerobic activity per week.

Participants in the 2019 survey answered three questions about falls in the past year:

  • Did they have a fall to the ground?
  • Were they injured because of a fall?
  • Did they seek medical attention for a fall-related injury?

About 2,000 women reported falling in the last 12 months, with about half leading to injury and half not.

Being Active for 2.5 Hours a Week Cut Fall Risk

After adjusting for factors that could influence risk, researchers found that doing 150 to 300 minutes of exercise per week reduced fall risk that didn’t cause injury by 26 percent and injurious falls by 30 percent. Exercising for more than 300 minutes – five hours – cut the risk by 34 percent for injury-free falls and 23 percent for falls that caused injury.

These findings support multiple exercise trials that show a link between physical activity and reduced fall risk, says Kado. “For example, tai chi has been shown to help older adults reduce their risk of falling,” she says.

Tai chi originated as an ancient martial arts practice in China, and the modern practice incorporates slow movements and physical poses with controlled breathing. A meta-analysis of 24 randomized controlled trials published in September 2023 found that tai chi “can effectively reduce the risk of falls in older adults” and improve balance and walking speed.

Walking Reduced Fall Risk by 17 Percent

Brisk walking lowered the risk by 17 percent compared with no exercise at all, according to the authors.

This supports earlier research that shows that walking can help prevent falls. A Japanese study of 90 older adults found that a walking intervention reduced the risk of falls more effectively than balance training.

The Good News: You Don’t Have to Exercise 3 Hours a Week to Get Health Benefits

Although the study didn’t find any reductions in fall risk in the group with less than 150 minutes a week of activity, that doesn’t mean that there’s no benefits to small chunks of movement, says Kado.

“The WHO guidelines are terrific, but to tell people they need to get 150 minutes of physical activity a week – I think that can be a deterrent for some people,” she says. In the real world, most people aren’t getting between 2.5 and 5 hours of exercise a week, says Kado.

But you don’t have to meet that threshold to make meaningful improvements in your health, she says. “The truth of the matter is, if you look at data, even the smallest amount of activity has benefits. And the biggest bang for the buck is at the early part of the curve. So basically, if you’re a couch potato and don’t do any physical activity, if you just increase a little bit, like get up and down and walk around the house every 15 minutes, that will decrease your risk of dying early,” says Kado.

Filed Under: Uncategorized

April 18, 2025 By Greg Nicholaides

Medicare Drug Price Negotiation Program: Negotiated Prices for Initial Price Applicability Year 2026

Aug. 15, 2024 – CMS.gov Newsroom

In August 2022, President Biden signed the Inflation Reduction Act of 2022 (P.L. 117-169) into law. The law makes improvements to Medicare by expanding benefits, lowering drug costs, and improving the sustainability of the Medicare program for generations to come. The law provides meaningful financial relief for millions of people with Medicare by improving access to affordable treatments and strengthening Medicare, both now and in the long run.

For the first time, the law provides Medicare the ability to directly negotiate the prices of certain high expenditure, single source drugs without generic or biosimilar competition. The Centers for Medicare & Medicaid Services (CMS) selected ten drugs covered under Medicare Part D for the first cycle of negotiations for initial price applicability year 2026 and engaged in voluntary negotiations with the drug companies for the selected drugs. Below is the list of negotiated prices, which the statute refers to as Maximum Fair Prices (MFPs), for 10 drugs covered under Medicare Part D that will go into effect beginning January 1, 2026, based on negotiations and agreements reached between CMS and participating drug companies.

CMS negotiated in good faith consistent with the requirements of the law on behalf of people with Medicare and the Medicare program. Throughout the negotiation process, the CMS team considered the factors outlined in the law in negotiating these prices, which supports the need for innovation and drug development with better prices for people with Medicare and the Medicare program.

CMS engaged in genuine, thoughtful negotiations with each participating drug company. CMS developed an initial offer for each drug, consistent with the process described in the statute and the agency’s guidance, and each manufacturer responded with a counteroffer. CMS held three meetings with each participating drug company to discuss the offers and counteroffers, discuss evidence, and attempt to arrive at a mutually acceptable price for the drug. During the negotiation process, CMS revised its offers for each of the drugs upward in response to these discussions. Likewise, many drug companies revised their counteroffers for their drugs downward, based on the discussions with CMS. For five of the selected drugs, this process of exchanging revised offers and counteroffers resulted in CMS and the drug company reaching an agreement on a negotiated price for the drug in association with a negotiation meeting. In four of these cases, CMS accepted a revised counteroffer proposed by the drug company. For the remaining five selected drugs, CMS sent a written final offer to those drug companies, consistent with the process described in its guidance, and in each instance, the drug company accepted CMS’s offer on or before the statutory deadline.

List of the first ten drugs whose 30-day supply price has been negotiated lower with Medicare:

Januvia – $113 down from $527; used by 843,000 enrollees in 2023

NovoLog – $119 down from $495; used by 785,000 enrollees in 2023

Farxiga – $178 down from $556; used by 994,000 enrollees in 2023

Enbrel – $2,355 down from $7,106; used by 48,000 enrollees in 2023

Jardiance – $197 down from $573; used by 1,883,000 enrollees in 2023

Stelara – $4,695 down from $13,836; used by 23,000 enrollees in 2023

Xarelto – $197 down from $517; used by 1,324,000 enrollees in 2023

Eliquis – $231 down from $521; used by 3,928,000 enrollees in 2023

Entresto – $295 down from $628; used by 664,000 enrollees in 2023

Imbruvica – $9,319 down from $14,934; used by 17,000 enrollees in 2023

For those enrolled in a Medicare Advantage plan with Rx drug coverage as well as those enrolled in a stand-alone Part D Rx drug plan, the new negotiated price becomes the new “retail” price for purposes of calculating the co-insurance amount billed to the insured.  For example, assuming Xarelto is a tier 3 drug according to your plan’s drug formulary and the tier 3 co-insurance is 22% of retail, you will pay $43.34 for a 30-day supply ($197 x .22).

Projected Savings for People with Medicare Part D Coverage:

When the negotiated prices go into effect Jan. 1, 2026, collectively people enrolled in Medicare prescription drug coverage using these medications will save an estimated $1.5 billion. These savings are in addition to savings from the $2,000 maximum out-of-pocket limit on all drugs for those with Medicare prescription drug coverage which went into effect Jan. 1, 2024.

Filed Under: Medicare

March 21, 2025 By Greg Nicholaides

Cruising for Seniors: A Comprehensive Guide to Planning the Perfect Voyage

Senior.com

January 9, 2025

By Christina Dailey

Cruising for Seniors: A Comprehensive Guide to Planning the Perfect Voyage

Cruises offer a unique and relaxing way for seniors to explore the world, combining luxurious accommodations with the convenience of all-inclusive travel. From cabin sizes and dining options to ports and excursions, this guide provides detailed insights into cruising for older adults. We’ll also cover costs, insurance, and boarding recommendations to ensure a smooth and enjoyable journey.

Cabin Sizes and Options

Cruise ships cater to various preferences and budgets, offering the following cabin types:

  1. Interior Cabins:
    • No windows, compact space.
    • Affordable option for budget-conscious travelers.
    • Prices range from $75 to $150 per night, depending on the cruise line.
  2. Oceanview Cabins:
    • Features a window or porthole with ocean views.
    • Slightly larger than interior cabins.
    • Prices range from $100 to $200 per night.
  3. Balcony Cabins:
    • Private outdoor seating area with stunning views.
    • Ideal for seniors seeking privacy and relaxation.
    • Prices range from $150 to $300 per night.
  4. Suites:
    • Spacious accommodations with luxury amenities.
    • Includes perks like butler service and priority boarding.
    • Prices start at $300 per night and can exceed $1,000 for premium suites.

Dining Options

Cruise lines offer a variety of dining experiences:

  1. Main Dining Rooms:
    • Sit-down meals with set menus and service.
    • Accommodates dietary restrictions and preferences.
  2. Buffets:
    • Casual, self-serve meals with diverse options.
    • Convenient for quick bites.
  3. Specialty Restaurants:
    • Upscale venues offering gourmet cuisine.
    • Additional fees typically range from $20 to $100 per person.
  4. Room Service:
    • Available on most ships, often complimentary or with a small delivery fee.

Ports and Excursions

Cruise itineraries include various ports, each offering unique excursions. Popular destinations and activities include:

  1. Caribbean Cruises:
    • Snorkeling, beach outings, and cultural tours.
    • Excursion costs range from $50 to $150 per person.
  2. Alaskan Cruises:
    • Glacier tours, wildlife spotting, and dog sledding.
    • Excursion costs range from $75 to $300 per person.
  3. Mediterranean Cruises:
    • Historical site visits, wine tasting, and local cuisine tours.
    • Excursion costs range from $100 to $250 per person.
  4. River Cruises:
    • Visits to small towns, castles, and scenic landscapes.
    • Excursions are often included in the fare.

Costs and Budgeting

  1. Base Fare:
    • Includes accommodation, meals, and onboard entertainment.
    • Prices range from $500 to $5,000 per person for a 7-day cruise.
  2. Add-ons:
    • Shore excursions, specialty dining, and spa treatments.
    • Budget an additional $300 to $1,000 for extras.
  3. Gratuities:
    • Typically, $15 to $20 per day per person.
    • Prepaying gratuities simplifies budgeting.
  4. Travel Insurance:
    • Costs range from 4% to 10% of the trip’s total cost.
    • Covers trip cancellations, medical emergencies, and lost luggage.

Travel Insurance for Cruises

Travel insurance is essential for seniors, offering:

  1. Trip Cancellation Coverage:
    • Reimbursement for cancellations due to illness or emergencies.
  2. Medical Coverage:
    • Pays for onboard or portside medical treatments.
  3. Evacuation Coverage:
    • Covers the emergency evacuation cost, often exceeding $50,000 without insurance.

Boarding and Departing Recommendations

  1. Boarding Tips:
    • Arrive at the port early to avoid long lines.
    • Use priority boarding options if available.
    • Keep travel documents and medications in a carry-on bag.
  2. Departing Tips:
    • Choose self-assist disembarkation for faster exit.
    • Arrange transportation from the port in advance.

Tips for Seniors

  1. Accessibility:
    • Ensure the ship offers wheelchair-friendly cabins and common areas.
    • Request mobility aids like scooters or walkers if needed.
  2. Health Services:
    • Most cruise ships have medical facilities with onboard doctors and nurses.
    • Check for ships offering enhanced health protocols, especially post-COVID-19.
  3. Travel Companions:
    • Traveling with family or groups reduces isolation.
    • Solo seniors can join activities or meet others through onboard clubs.

Popular Cruise Lines for Seniors

  1. Holland America Line:
    • Known for elegant dining and enrichment programs.
    • Offers discounts for guests over 55.
  2. Viking River Cruises:
    • Focuses on cultural experiences with all-inclusive pricing.
    • Ideal for intimate, small-ship journeys.
  3. Celebrity Cruises:
    • Offers luxurious accommodations and wellness programs.
    • Features accessible staterooms and priority services.
  4. Royal Caribbean:
    • Known for diverse activities and entertainment.
    • Caters to multi-generational families.

Cruising is an excellent travel option for seniors, offering convenience, luxury, and adventure in one package. By carefully selecting the right cruise line, cabin, and itinerary, older adults can enjoy a stress-free vacation tailored to their preferences and needs. Cruising can be a safe and enriching experience for seniors worldwide with proper planning, travel insurance, and onboard support.

Filed Under: Uncategorized

March 21, 2025 By Greg Nicholaides

What Osteoarthritis Treatments Does Medicare Cover?

Senior.com

February 24, 2025

By Jeff Dailey

Osteoarthritis is a common degenerative joint condition that affects millions of older adults in the United States. Managing osteoarthritis often requires a combination of medical treatments, therapy, and, in some cases, surgical intervention. Medicare covers many osteoarthritis-related treatments, but beneficiaries should be aware of potential deductibles and out-of-pocket costs. This article outlines the latest Medicare guidelines on osteoarthritis treatments and their associated costs.

Medicare-Covered Osteoarthritis Treatments

Doctor Visits and Specialist Care

Medicare Part B covers necessary doctor visits, including consultations with primary care physicians, rheumatologists, and orthopedic specialists. After meeting the annual Part B deductible ($257 in 2025), beneficiaries are responsible for 20% of the Medicare-approved amount for services, while Medicare pays the remaining 80%.

Medications

Prescription medications like nonsteroidal anti-inflammatory drugs (NSAIDs) and corticosteroids can help manage osteoarthritis symptoms. Medicare Part D (Prescription Drug Plan) or Medicare Advantage plans with drug coverage help cover the costs. Each plan has its formulary, so beneficiaries should check if their prescribed medication is covered and the copayments.

Physical and Occupational Therapy

Physical therapy can help improve joint function and mobility. If deemed medically necessary, Medicare Part B covers outpatient therapy services, including physical and occupational therapy sessions. After the Part B deductible is met, patients pay 20% of the Medicare-approved amount for each session.

Durable Medical Equipment (DME)

For individuals who require mobility aids, Medicare Part B covers durable medical equipment, such as walkers, braces, and canes, if prescribed by a doctor. After the deductible is met, coverage follows the 80/20 cost-sharing structure.

Joint Injections and Pain Management

If deemed medically necessary, Medicare covers joint injections such as corticosteroid and hyaluronic acid injections. However, coverage for hyaluronic acid injections varies, and prior authorization may be required. Costs are subject to Part B deductibles and 20% coinsurance.

Surgical Procedures (Joint Replacement Surgery)

If non-surgical treatments fail to relieve, Medicare covers joint replacement surgery, including knee, hip, and shoulder replacements.

  • Inpatient Surgery: Medicare Part A covers hospital stays related to joint replacement surgery. The 2025 deductible for inpatient care is $1,676 per benefit period.
  • Outpatient Surgery: If performed as an outpatient procedure, Medicare Part B covers the surgery, with 20% coinsurance after meeting the deductible.

Chronic Care Management (CCM)

Medicare offers chronic care management services under Part B for individuals with multiple chronic conditions, including osteoarthritis. These services involve personalized care plans, provider coordination, and ongoing monitoring. A monthly copayment may apply.

What Medicare Does Not Cover

  • Acupuncture: Medicare only covers acupuncture for chronic lower back pain, not for osteoarthritis.
  • Stem Cell Therapy: Experimental treatments, including stem cell therapy, are not covered.
  • Over-the-counter Medications and Supplements: Medicare does not cover supplements such as glucosamine and chondroitin.

Final Considerations

While Medicare provides substantial coverage for osteoarthritis treatments, beneficiaries should always verify coverage details with their specific plan provider. Out-of-pocket costs can vary based on plan selection, copayments, and deductibles. For additional assistance, it is recommended that beneficiaries contact Medicare (1-800-MEDICARE) or review the latest Medicare guidelines online.

Filed Under: Medicare

March 21, 2025 By Greg Nicholaides

Scams Are On the Rise

What should you be aware of to be safe?

Senior.com

February 26, 2025

By Jeff Dailey

Elderly scams are a growing concern, with scams targeting individuals aged 60 and older resulting in over $3.4 billion in losses in 2023 – a nearly 11% increase from the previous year.

Common Scams Targeting Elderlies

  • Phone Scams
    • Government Impersonation Scams: Scammers pose as officials from agencies like the Social Security Administration (SSA) or the Internal Revenue Service (IRS), claiming issues with the victim’s accounts or benefits. They often threaten legal action or arrest to elicit personal information or payments.
    • Tech Support Scams: Fraudsters pretend to be tech support representatives, claiming the victim’s computer is infected with malware. They request remote access or payment for unnecessary services.
  • Mail Order Scams
    • Lottery and Sweepstakes Scams: Victims receive letters claiming they’ve won a lottery or sweepstakes but must pay fees or taxes upfront to claim their prize.
    • Charity Scams: Scammers send mail solicitations posing as charitable organizations, especially after natural disasters or during holidays, asking for donations.
  • Email Scams
    • Phishing Emails: Emails that appear to be from legitimate companies or government agencies ask recipients to verify personal information or click on malicious links.
    • Romance Scams: Scammers create fake profiles on dating sites or social media, build relationships with victims, and request money for emergencies or travel.

Steps to Take if Targeted or Victimized by Scams

  • If You Receive an Attempted Scam:
    • Do Not Engage: Avoid responding to unsolicited calls, emails, or letters requesting personal information or payments.
    • Verify the Source: Contact the organization directly using official contact information to confirm the legitimacy of the communication.
    • Report the Attempt: Notify relevant authorities, such as the Federal Trade Commission (FTC) or your state’s consumer protection office.
  • If You Have Been Scammed:
    • Contact Financial Institutions: Inform your bank or credit card company immediately to halt transactions and monitor for fraudulent activity.
    • Report to Law Enforcement: File a report with local police and the FBI’s Internet Crime Complaint Center (IC3). fbi.gov
    • Seek Support: Reach out to organizations like the National Elder Fraud Hotline at 833-FRAUD-11 (833-372-8311) for assistance and guidance. 

Preventative Measures

  • Stay Informed: Regularly educate yourself about common scams targeting seniors.
  • Protect Personal Information: Never share personal or financial details over the phone or online unless you know the recipient’s identity.
  • Monitor Financial Accounts: Regularly review bank and credit card statements for unauthorized transactions.
  • Use Technology Wisely: Install and update computer security software and be cautious when downloading attachments or clicking links.

By staying vigilant and taking proactive steps, seniors can protect themselves from elderly scams and reduce the risk of financial exploitation.

Filed Under: Uncategorized

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