DON’T FALL THIS FALL! September marks the start of fall, but it also serves as an important reminder about falling.
3 Tips for Fall Prevention
can better illuminate walkways. Even something as simple as moving a table or decor item out of the hallway can be beneficial! Review Your Medicines Sometimes medication can influence balance and movement. Talk with your doctor about the side effects of your medication and adjust accordingly. You may need to consider
you age, your muscles and joints can become weak and stiff. The best way to strengthen your reactions and improve your balance is to move your body. A physical therapist can help you develop a routine that targets your balance while strengthening your muscles and joints. Improve Your Home when it comes to falls, so improve it with a few changes! Install grab bars and railings on steps and in the bathtub for extra support. Grips on the bottom of the bathtub and on slippery surfaces can give you a secure footing, while lighting along the hallway and in stairwells Your home just might be your biggest threat
Falling is one of the greatest dangers seniors face. As adults age, take more medication, and lose some mobility, it becomes increasingly difficult to stay upright or regain balance — even when tripping over the smallest object. The Centers for Disease Control and Prevention (CDC) estimates that 1 out of 5 falls cause serious injuries, including traumatic brain injuries. Falling can also increase a senior’s chance of falling again. But for as common as it may be, falling doesn’t have to be your norm. You can lower your risk of falling and injury with a few simple steps. Move More Your body was designed to move! When you don’t move your body enough, which can happen when
alternatives, but if that’s not possible, physical therapy can
provide assistance. It’s designed to help you improve your balance and get stronger — which can
lower your risk of falling.
You can learn more about fall prevention and risks online at CDC.gov.
KNOW YOUR PRESCRIPTION DRUG PLAN IN MEDICARE
the next, which is why it’s important to work with licensed insurance agents (like us!) who can assist you in determining which to choose. The ‘Donut Hole’ in Prescription Drug Plans It’s also important to note that most Medicare drug plans have a coverage gap (also called the “donut hole”). After your Part D coverage has paid a certain amount for prescription drugs, you may have to pay all costs yourself, up to a yearly limit. However, under the Affordable Care Act, that coverage gap was closed in 2020. Omaha Insurance Agents can help find the plan that’s right for you that suits your needs — just give us a call!
a Medicare Prescription Drug Plan. With Medicare Part D coverage, if the plan has a deductible, you pay the full amount of your prescription drug purchases until the deductible is met. After the deductible is satisfied, you will pay a share of the costs according to the terms of your plan. Your share, which you typically pay to the pharmacy at the time of pickup, could be a flat amount (copayment) or a percentage of the total amount (coinsurance). Once you have paid a certain annual maximum amount out of your own pocket for prescription drugs, you automatically get “catastrophic coverage.” This means for the rest of that particular year, you would only pay a small copayment or coinsurance amount for prescription drugs. Of course, specific coverage varies from one plan to
Prescription drugs for many are vital in maintaining or improving health, but they can be prohibitively expensive, especially for those with a chronic illness — which is why having coverage is so important. There are two ways to get Medicare Prescription Drug coverage: You can join Medicare Part D or you can join a Medicare Advantage Plan that offers drug coverage. Whatever plan you choose, Medicare drug coverage can help you pay for brand-name and/or generic drugs at pharmacies convenient for you. About Medicare Part D Coverage Medicare Part D prescription drug coverage is available from private insurance companies to those also eligible for original Medicare and who permanently reside in the service area of
2 • OmahaInsuranceSolutions.com
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