What you need to know about at-home Covid-19 tests

Is Covid testing on your shopping list?

Costco, a popular wholesale store with locations across the US, has announced that it will sell a direct-to-consumer diagnostic test for Covid-19, joining a growing list of retailers providing diagnostic tests.What you need to know about at-home Covid-19 tests

Kent Sepkowitz writes that even though at-home Covid-19 tests will now be available at a number of retailers, it does not necessarily mean testing will get faster or more accessible.

But there are problems with the program, starting with the cost. The test is not cheap, especially for those looking to test themselves and family more than once. At Costco, the kit costs $129 for the most basic version and $139 for the fancy version that includes video instructions. Federal law mandates that private insurers, Medicare, and Medicaid cover Covid-19 tests without any cost to the patient. Whether they will pay fully for a more bells and whistles program such as that provided by Costco likely will vary plan to plan.

That price is actually cheaper than buying the at-home kit directly from AZOVA, the company that administers the program, which charges at least $20 more. AZOVA is also encouraging pharmacies to offer the kits. In a blog entry titled, “Four ways to generate revenue when you offer Covid-19 testing in your pharmacy and on your website,” lists some tips on how pharmacies can maximize profits, including receiving a $22 to $29 administration fee for in-pharmacy tests and $5 for each test ordered online and conducted at home, noting that “you don’t need to do anything but add a link to your website” to get the five bucks a pop.

As for the speed of the results– sorry, you’ll have to wait at least a couple days. The term “home test” evokes the home pregnancy test approach where the wait for the big reveal is measured in minutes. However, for the Covid-19 test, the “home” refers only to where you collect the specimen, not where you run the test. This is performed by a lab reached by (hopefully) overnight mail.

AZOVA promises a result by email one to three days after receipt of the kit in an approved lab. But there is an additional lag in the time of one to three days for the kit to be delivered to you at home if you order it online. In other words, order on Monday and get your test result at the earliest on Wednesday but as late as the weekend. (Costco advertises a slightly quicker turnaround between ordering the kit and receiving it at your home.) So those who would want to use the test for assurance prior to seeing the family or returning to the office need to plan many days in advance.

Compare Medicare Plans Now

Which Brings us to accuracy. The involved companies claim the test is excellent, with the website advertising 98% sensitivity and 99% specificity, meaning almost every case is detected by the test with very few false positives. But we don’t know how accurate a test really is until people have used it in real life conditions, rather than under perfected lab conditions. OraSure experienced this difference when its home test for HIV, once approved, showed a higher false positive rate than clinical trials had shown.

And that was the good old days, before the Trump administration weakened the process for how lab tests can gain emergency use authorization (EUA) through the FDA. In the name of swiftness, the FDA decided to allow qualified labs themselves to determine whether their test worked. No longer is the company’s data subjected to FDA scrutiny prior to issuing EUA. It is possible therefore that some tests that would not have received FDA emergency authorization six months ago are now receiving a greenlight.

Plus, there is the simple fact that a test is performed today may accurately show no infection, but by the time the result is available– days later– the same person may have become infected. The immediacy of the test result, therefore, is crucial for both personal and public health decisions.

So here we are, eight months into the pandemic and still waiting for an accurate, fast, cheap, readily available test– the game-changer first promised in April. The at-home version in its current form may be helpful for worried families but will not be a game-changer from a public health perspective.

But having several companies trying to solve a problem the Trump administration should have resolved long ago, similar to governments in South Korea, China, Germany and other countries, is a faintly hopeful sign.

The collaborating companies seem to understand that basic principle for controlling the Covid-19 pandemic is the same as for every infectious disease: it is necessary to have a rapid and reliable test to identify who is potentially infectious. Otherwise we are simply trying to swat flies in a pitch-dark room, hitting and missing, missing and hitting, with no hope of knowing anything at all about the effectiveness of our efforts. This single profound limitation more than anything else has led us into America’s historic public health catastrophe.

Compare Medicare Plans Now

 

Read More…

Powered by NewsAPI.org

Uber Launches Medicine Delivery Service in South Africa

Uber launches medicines delivery service in South Africa

Uber launches medicines delivery service in South Africa

Uber Eats’ South African unit on Thursday expanded delivery offerings, launching an app-based over-the-counter medicines service as it seeks to claw market share in the fast-growing online shopping sector in Africa’s most industrialized economy.

Uber Eats, a unit of U.S. ride-hailing service Uber Technologies already has a lion’s share of South Africa’s $600 million food dispatching market.

The equally lucrative medicines delivery market is controlled by pharmacy chains Clicks and Dis-Chem, which offered delivery services long before Covid-19 spurred a shift to online shopping.

Analysts say such “first movers” including Naspers-owned Takealot, have a natural advantage over newcomers, especially with users increasingly seeking to use fewer smartphone applications to do more things.

But Uber Eats is banking on a “marketplace” strategy–combining ride-hailing and grocery deliveries and other services on a single mobile phone app that already has over 2 million users in the country, it said in a statement.

Its latest foray in the delivery sector is in partnership with local health group Medicare, which operates more than 50 clinics and pharmacies around the country, and will allow its app users to purchase over-the-counter medication.

Compare Medicare Plans Now

 

“The nationwide lockdown and restriction in movement created an immediate need to accelerate our business in increasing the accessibility to daily essentials,” general manager of the Uber Eats South Africa Shane Austin told Reuters.

“Which is part of the reason our focus has been towards on-boarding various other merchants onto the app, aside from just restaurants.”

In its latest Digital Market Outlook, information portal Statista predicted South Africa’s e-commerce market would see annual compound growth of 11% up to 2024, with the number of online shoppers growing to nearly 37 million from around 25 million currently.

What are your thoughts on having your medications delivered? Would you make the switch if this service is offered in your area? Leave your comments below!

Compare Medicare Plans Now

View Entire Post ›

 

Read More…

Powered by NewsAPI.org

 

Let’s Break Down The Safest Ways To Vote In The 2020 Election

Make your safe voting plan, and stick to it.

Let's Break Down The Safest Ways To Vote In The 2020 Election

Election Day is Here

Americans everywhere are off to the ballots to vote in one of the biggest elections of our lives. The stakes of this year’s election couldn’t be higher, and it’s more important than ever for all eligible voters to make their voices heard this year. We find ourselves amid a global pandemic as we wake up to Election Day 2020, offering its own unique challenges to an already contentious race. The health and safety of voters, poll workers, and volunteers are of the upmost importance as we navigate social distancing during the constraints of polling times. Many might be wondering, “is it even safe to vote this year?” The short answer is yes. There are still ways to vote safely in the pandemic. Let’s break down the three primary methods of voting this year and how safe they are during the age of COVID-19.

Voting by Mail

Voting by mail, also called absentee voting, is going to be the safest choice. Mail-in voting is the act of filling out your ballot at home, and then mailing it to your local elections office to be counted. You can also drop the ballot off at a drop-off location, as many Americans had to do, with the deadline quickly approaching and fears rising of ballots not arriving and, therefore, not being counted in time. The process for voting by mail varies by state- some states are automatically sending mail-in ballots to every registered voter this year, while other states will only send one if you specifically requested it. Mail-in ballots are the safest way to vote in the COVID-19 era. There are no lines, no crowds, no human interaction required and, as a bonus, you can do it from the comfort of your couch!

Early Voting

The second safest way to vote in the 2020 Election is to participate in Early Voting. Many states allow its voters to vote early in-person before Election Day. Early Voting comes with so many benefits: it’s often faster and more convenient than voting on Election Day. And, because you’ll beat those November 3rd crowds, it’s a safer bet in the age of COVID-19.

Voting on Election Day at the Polls

Finally, there’s the option to show up to the polls on Election Day to vote. Voting this way will require extra caution given the pandemic, but if mail-in voting and early voting aren’t options for you, there are concrete steps you can take to make your visit to the polls as safe as possible.

Wear a mask and practice social distancing at all times. Carry hand sanitizer. Pay close attention to posted signs and any instructions you’re given from poll workers. They’re there to keep the lines moving and to make sure everyone stays safe. Try to go during times you think the polls will be less crowded- for example, midday might be less busy than right after 5 p.m. when everyone gets out of work.

Ready, set, vote!

Ultimately, whether you vote by mail, vote early in-person, or vote on Election Day at the polls, have your voice be heard, and do so safely. Take every precaution you can to protect yourself and your community in the process. Together, we can make sure that everyone gets to participate in their democracy safely this year. Make your safe voting plan, and stick to it.

How did you vote this year? Did you feel that voting safety precautions were thorough?

 

Now, more than ever, you’ll want to make sure you’re insured. Your health and health coverage is our priority. Follow the link below to compare plan options and call us at 877-413-1556 with any questions. We look forward to hearing from you!

Compare Medicare Plans Now

View Entire Post ›

Read More…

Powered by NewsAPI.org

 

Walmart’s Next Health Foray Is Medicare Plan With Startup Clover

Could you be looking at Medicare Advantage plans offered by Walmart in the future?

Walmart is partnering with an insurance startup, Clover Health, to offer seniors in Georgia access to their new Medicare Advantage plans next year. Two products will be available and members of those plans will have access to the new Walmart Health Centers that Walmart is now testing in its stores outside of Atlanta. Those clinics and other providers in the plan will be able to use Clover’s technology to improve care and track patients’ health, the companies have stated.

Entering an already competitive and lucrative market

As Walmart develops its health-care strategy, its progress has been closely watched. The retail giant is seen as a potential threat to established providers and insurers. This new Georgia offering will make Walmart a player in the Medicare Advantage program, a market that is currently dominated by UnitedHealth Group Inc., Humana Inc., CVS Health Corp.’s Aetna unit, and BlueCross BlueShield branded plans, some of which are also expanding their offerings.

1/3 of Medicare beneficiaries opt for private Advantage plans

More than a third of Medicare beneficiaries opt to get their benefits through private Advantage plans that collect fees from the government in exchange for members’ care. The plans often combine traditional Medicare benefits with other services such as vision and dental care, gym memberships, and prescription drug coverage.

Compare Medicare Supplement Plans

Seniors often choose Advantage plans over traditional Medicare to get those benefits, though they may have to agree to use a limited network of doctors and hospitals. Clover’s new plans with Walmart will use a preferred-provider organization network, though Clover said members won’t face additional fees for going out-of-network.

Your plan options with Clover

One of the two plans won’t charge monthly premiums, and both will offer free primary care, the companies said. Members will get $400-a-year benefit for the over-the-counter health expenses that can be spent in Walmart stores or on its website, similar to the perk the retailer offered Anthem Medicare subscribers through a deal two years ago. Clover will underwrite the insurance plans, branded “LiveHealthy: Clover Powered, Walmart Enhanced.”

Other companies expanding offerings in response

Other companies are expanding as well. Cigna Corp. plans to sell Medicare Advantage plans in five new states, and UnitedHealth said its expansion in 2021 to almost 300 counties would be its largest in five years. Humana plans to launch dozens of new plans across hundreds of counties, the company said. Aetna is adding 115 new counties, and Anthem is expanding into more than 80.

The Clover difference

Clover said its product with Walmart will be distinguished by low costs and convenience. “Our vision is, we deliver care wherever our members want to get care,” said Andrew Toy, Clover’s president and chief technology officer. A Walmart spokeswoman said company officials weren’t available for interviews. In addition to Walmart’s health clinics, the network will include 31 hospitals and 8,000 providers in the region, which covers eight Georgia counties mostly outside of Atlanta.

Walmart began opening health clinics in Georgia stores in 2019 and now has six locations there and one in Arkansas, according to the company’s website. Cash prices are posted in price sheets online and in waiting rooms: $40 for basic office visit and $20 to test for strep throat, for example. The clinics offer primary care, vision, dental care, lab tests, and mental health visits.

Expanding footprint

Walmart will continue expanding its health centers, with seven more Georgia locations planned in the months ahead and additional centers coming in the Chicago area and some cities in Florida, according to a company blog post on September 17.

Compare Medicare Supplement Plans

“The demand definitely tells us that Americans are looking for access to quality care, and we think Walmart- its footprint- should be a part of that,” Walmart U.S. Chief Executive Officer John Furner said in an investor conference this month.

Other moves by Walmart into the sector include a collaboration with Oak Street Health, a Medicare-focused primary care company, to open clinics at three supercenters in the Dallas-Fort Worth area, according to a press release this month. The retailer recently formed an insurance agency to enroll customers in Medicare health plans, the Arkansas Democrat-Gazette reported in July, citing job ads and corporate filings. The company also sells monthly supplies of low-cost generic prescription drugs for $4.

New players on the field

Founded in 2014, Clover is among a handful of new entrants like Devoted Health and Oscar that are trying to use technology to improve health care. Backed by almost $1 billion from investors including GV, the venture capital arm of Alphabet Inc., the company has about 57,000 members in seven states and plans to triple the number of counties where it offers plans next year.

Clover’s software for medical professionals, known as Clover Assistant, will be deployed in the Walmart clinics and to other providers in the network. The program analyzes data from patient records, labs, socioeconomic data, and other sources to prompt clinicians to recommend actions like screening tests and adhere to evidence-based treatment guidelines, Toy said.

What do you think of Walmart and Clover’s new Medicare Advantage plans? Leave your thoughts in a comment below.

Compare Medicare Supplement Plans

Walmart’s Next Health Foray Is Medicare Plan With Startup Clover

Walmart's Next Health Foray Is Medicare Plan With Startup Clover

 

Read More…

Powered by NewsAPI.org

Is my senior moment the start of dementia?

Is my senior moment the start of dementia?

Is my senior moment the start of dementia?

The number of cases of dementia in the US is rising as baby boomers age, raising questions for boomers themselves and also for their families, caregivers and society. Dementia, which is not technically a disease but a term for impaired ability to think, remember or make decisions, is one of the most feared impairments of old age.

The Centers for Disease Control and Prevention lists problems in these areas as possible signs of dementia:
  • Memory
  • Attention
  • Communication
  • Reasoning, judgment and problem solving
  • Visual perception beyond typical age-related changes in vision

Read More…

Powered by NewsAPI.org

Compare Medicare Plans Now

This is the healthiest community in the US. Here’s why

This is the healthiest community in the US. Here’s why

This is the healthiest community in the US. Here's why

With its vast mountain ranges, diverse wildlife and clean air, Los Alamos County, New Mexico, is the healthiest community of 2020, the U.S. News Healthiest Communities rankings report has decided. Here’s why.

“A healthy environment is part of what definitely contributes to (Los Alamos County) being a healthy community,” said Los Alamos County Council Chair Sara Scott, who wasn’t involved in the report. “People have the opportunity and the interest in getting out, taking advantage of our mountains, trails, biking, horse-riding (and) golfing.”

Douglas County, Colorado, is the runner-up, followed by Falls Church, Virginia, Broomfield County, Colorado, and Routt County, Colorado.
Columbia County, New York, ranked last in the top 500 healthiest communities.
“The Healthiest Communities rankings are a snapshot of how healthy a community is at a period in time,” said Deidre McPhillips, senior data editor at U.S. News & World Report. “This year, it was incredibly important to factor coronavirus into that analysis.”
Though data used to determine the rankings were obtained before the pandemic, new tools used in this year’s report provided Covid-19 data on communities and highlighted the disproportionate impact of the virus on Black and Hispanic communities.
The Healthiest Communities rankings and analysis are based on evaluations of nearly 3,000 communities nationwide for 84 health and health-related measurements in 10 categories, including community vitality, equity, economy, education, environment, food and nutrition, population health, housing, infrastructure and public safety.

Powered by NewsAPI.org

Compare Medicare Plans Now

Medicare Access and CHIP Re-authorization Act (MACRA)

Medicare Access and CHIP Re-authorization Act (MACRA)

 

What is MACRA?

The Medicare Access and CHIP Reauthorization Act (MACRA) is a federal law with changes to Medicare Supplement plans in all states, which goes into effect January 1, 2020.

Have you heard? MACRA is a hot topic this year for the Medicare Supplement industry. Legislation and regulations can often be hard to understand, so we’re going to break it down into small pieces to help you get ready for the changes that will happen January 1, 2020.

Today, we’re sharing details and some answers to frequently asked questions, which are also available to download here.

What’s changing?

As of January 1, 2020:

 ·  Medicare Supplement plans with Part B deductible coverage (Plans C, F and high deductible F) cannot be sold to “newly eligible” Medicare beneficiaries.

 

The following guaranteed issue plans will be available for “newly eligible”Medicare beneficiaries: Plans D, G, and high deductible G (new!)

What is the definition of “newly eligible” Medicare beneficiaries?

Individuals who have attained age 65 or first become eligible for Medicare due to age, disability or end-stage renal disease on or after January 1, 2020.

How are current enrollees in Plans C, F, and High Deductible F affected by these changes?

Current enrollees (those eligible for Medicare prior to January 1, 2020) with Plan C, F or High Deductible F can keep their plan. And, they can continue to buy Plans C, F and High Deductible F after January 1, 2020. Current enrollees will also be able to buy the new Plan High Deductible G on or after January 1, 2020.

What will happen to high deductible plan options?

Since Plan High Deductible F cannot be sold to those “newly eligible” Medicare beneficiaries, a new Plan High Deductible G will be created. Plan High Deductible G will be available starting January 1, 2020. Both “newly eligible” Medicare beneficiaries and current beneficiaries will be able to buy the new Plan High Deductible G.

What will happen to Guaranteed Issue requirements?

Plans D and G will become two of the guaranteed issue plans for “newly eligible” Medicare Beneficiaries on or after January 1, 2020 (Plans C, F and High Deductible F of the current Guaranteed Issue plans will no longer be available for “newly eligible” Medicare Beneficiaries).

 

Current enrollees can remain with or buy Plans C, F and High Deductible F. Individuals who do not fall within the definition of “newly eligible” Medicare beneficiary will still be able to purchase Plans C, F and High Deductible F.

 

For more detailed information, you can review the NAIC implementation guidelines for MACRA

Medicare Website Can Help In Choosing A Nursing Home

When you hear about Medicare, you probably think of the federal program that helps pay for older adults’ health care. What you may not realize is that another of Medicare’s major responsibilities is to inspect health care facilities to make sure that patients receive safe and high-quality care. Among those facilities are the nation’s more than 15,000 nursing homes.

Continue reading “Medicare Website Can Help In Choosing A Nursing Home” »

CMS Projects Health Costs To Rise Over Next Decade

National health expenditure growth is expected to average 5.5 percent annually from 2018-2027, reaching nearly $6.0 trillion by 2027, according to a report published today by the independent Office of the Actuary at the Centers for Medicare & Medicaid Services (CMS).

Continue reading “CMS Projects Health Costs To Rise Over Next Decade” »

See What Medicare Covers With Free App

Let’s say you go for your annual physical and your doctor recommends that you get a hearing and balance test. Or an electrocardiogram (EKG). Or a Hepatitis B screening.  Does your Original Medicare cover these services? Now there’s a quick way to find out, using your smartphone or tablet.  It’s Medicare’s new “What’s Covered” app and it’s free. You can use the app right there in the doctor’s office, hospital, or anywhere else you use your phone or tablet.

Continue reading “See What Medicare Covers With Free App” »