Medicare is a health insurance program developed for seniors over the age of 65 and for people under the age of 65 for certain disabilities. Although this program does help alleviate many medical expenses, not everything is covered. There are different medicare plans available and it is important to have a general understanding of them to know when you will need to pay for out of pocket expenses, such as for hearing, vision and dental. There are two parts to the program–Part A, hospital insurance and Part B, medical insurance. Here is a list of some of the things medicare does not cover: 1. Prescription drugs The basic Medicare plan does not offer any coverage for prescription drugs, however there are other options available from private insurance companies if you need coverage. Medicare Part D Prescription Drug Plans (PDPs) as well as Medicare Advantage (Part C) both provide varying options for drugs. 2. Long-term nursing home care Although Medicare does not generally cover long-term care, you can still use it for other services in the nursing home, such as medical supplies and visits from a physician. You may also be eligible for Medicaid alongside Medicare, as most nursing homes accept Medicaid for admission.

Narcolepsy is a chronic neurological disorder characterized by excessive daytime sleepiness, and it often includes symptoms such as sudden episodes of muscle weakness, also known as Cataplexy, sleep paralysis, and hallucinations. Health professionals will recommend treatments such as Wakix, Lumryz, and Sunosi that they have listed as treatment medications. While the exact causes of narcolepsy are not fully understood, there are several factors and potential causes associated with the development of narcolepsy: 1. Autoimmune factors One of the leading theories is that narcolepsy may be an autoimmune disorder. In many cases, individuals with narcolepsy have lower levels of hypocretin (orexin), a neurotransmitter that plays a key role in regulating wakefulness. It is believed that the immune system may mistakenly attack and destroy the cells that produce hypocretin. 2. Genetic predisposition Narcolepsy can run in families, suggesting a genetic component. Specific genes, such as the HLA-DQB1*06:02 allele, are associated with an increased risk of developing narcolepsy. However, not everyone with these genes will develop the condition. 3. Environmental triggers Some environmental factors, such as infections (particularly streptococcal infections) and exposure to certain toxins, may trigger or contribute to the development of narcolepsy. Infections can lead to an autoimmune response that affects hypocretin-producing cells.

Securing life insurance is a pivotal step in financial planning, especially when considering life insurance quotes and rates. For seniors, navigating the landscape of senior life insurance is particularly significant. AARP life insurance and New York Life, alongside other reputable providers like Prudential and MetLife, offer diverse coverage options tailored to different age groups. While life insurance provides essential peace of mind, it’s crucial to delve into the nuances of coverage, ensuring that policies meet the specific needs of seniors. In this article, we unravel seven aspects that life insurance typically does not cover, shedding light on the intricacies of policies to empower individuals in making informed decisions for their financial security. 1. Suicide within the contestability period Life insurance policies often include a contestability period, typically the first two years after the policy’s inception. In the unfortunate event of suicide during this period, the insurance company may contest the claim, and the payout to beneficiaries may be denied. After the contestability period, most policies cover suicide as any other cause of death. 2. High-risk activities and hobbies Engaging in high-risk activities such as extreme sports or hazardous hobbies may lead to exclusions in life insurance coverage. If the insured dies while participating in these activities, the policy may not pay out.

Nasal congestion, a common ailment affecting millions, can disrupt daily life and hinder breathing comfort. Understanding the triggers behind nasal congestion is crucial for effective management. Whether it’s associated with nasal polyps, cold and flu, or sinusitis, pinpointing the cause allows for targeted solutions. In this article, we explore five common triggers for nasal congestion and provide practical tips on how to manage them. 1. Nasal polyps Nasal polyps, non-cancerous growths on the lining of the nasal passages or sinuses, can obstruct airflow and lead to nasal congestion. To manage congestion caused by nasal polyps, treatment options may include corticosteroids to reduce inflammation or, in severe cases, surgical removal. Regular monitoring and consultations with healthcare professionals are essential to address nasal polyps effectively. 2. Cold and flu Viral infections like the common cold and flu frequently contribute to nasal congestion. The congestion is often a result of increased mucus production and swelling of the nasal passages. Over-the-counter decongestants and nasal saline irrigation can help alleviate symptoms. Adequate rest and hydration are also vital to support the body’s natural healing process during cold and flu episodes. 3. Sinusitis Sinusitis, inflammation of the sinuses often triggered by infections or allergies, is a prevalent cause of nasal congestion.

Lung cancer, a leading cause of cancer deaths worldwide, often goes unnoticed in its early stages. This is largely due to the fact that many of its symptoms are easily overlooked or mistaken for less serious conditions. In recent years, advancements in treatment medications such as Zepzelca, tecentriq, opdivo, yervoy, atezolizumab, and Nivolumab have shown promising results in the fight against this deadly disease. However, early detection remains crucial for successful treatment. Let’s explore some of the most commonly overlooked symptoms of lung cancer and how they can be treated. 1. Persistent cough A cough that doesn’t go away or worsens over time can be a sign of lung cancer. This is often mistaken for a common cold or allergies. If you’ve had a persistent cough for more than two weeks, especially if it’s accompanied by blood or a change in mucus, it’s essential to consult a healthcare professional. 2. Shortness of breath Difficulty breathing or shortness of breath is another symptom that is often overlooked. This can be due to a tumor blocking the airway or fluid build-up in the chest caused by lung cancer. If you find yourself frequently short of breath, especially during activities that didn’t previously cause you to struggle for breath, it’s worth getting checked out.