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It's open enrollment season!
For folks who buy private health insurance or have employer-sponsored coverage, this is the time of year that they decide whether to stick with their current health plan or select a new one.
As KPCC Health Correspondent Stephanie O'Neill reported last year, there’s a lot to consider during this period, like:
- Do you want an HMO or a PPO?
- Do you want a Health Savings Account or Flexible Savings Account?
- Do you want a plan with a higher premium or a higher deductible?
If your blood pressure rises just thinking about all of these options and wonky terms, then take a deep breath and read on: O'Neill has written this updated guide to surviving open enrollment. And I'm here to help answer your personal questions about choosing a health insurance plan.
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Want to protect yourself and loved ones against the flu?
The best thing you can do is get your annual flu shot, the Centers for Disease Control and Prevention says. The Affordable Care Act tries to make it easy for people to follow that advice: Under the federal health law, the seasonal flu shot is considered preventive care, so it's covered at no extra cost to you.
But as with most things in health care, the devil's in the details.
When is your flu shot free?
Generally, if you have an HMO plan, you'll need to visit a doctor or facility in your insurance network to get your free shot.
Kaiser Permanente members, for example, can get the vaccine at no extra cost at Kaiser facilities.
"We believe this is important to enable us to maintain records of when our members received this preventive care, especially for our must vulnerable populations - small children, the aged, and those with respiratory issues," Kaiser spokeswoman Amy Thoma says in an e-mail.
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The debate over when women should start getting mammograms and how often they should get them took another turn Tuesday when the American Cancer Society updated its guidelines in an article in the Journal of the American Medical Association.
The organization pushed back its suggested age that women be screened for breast cancer and made changes to how often it recommends they be tested.
So what are the new recommendations?
The American Cancer Society now recommends:
- Women at average-risk for breast cancer start getting annual mammograms between ages 45 and 54. That's a change from the Cancer Society's previous (2003) guidelines, which advised women to start getting screened at age 40.
- Women get mammograms every two years after age 55, continuing that regimen as long as they are healthy and have a life expectancy of at least 10 years. The old guidelines said women should get screened annually as long as they are in good health.
- Average-risk women of all ages should not get a clinical breast examination. This is a change from the previous guidelines, which called for periodic exams for women in their 20s and 30s, and annual exams for women 40 and older.
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How can someone diagnosed with cancer decide which treatment is right for him? An initiative from 26 leading cancer centers aims to provide doctors and patients with a new way to evaluate the efficacy of different treatments - including an assessment of cost.
The National Comprehensive Cancer Network – which includes facilities like the City of Hope Comprehensive Care Center in Los Angeles and the Stanford Cancer Institute in Stanford, Calif., - unveiled the tool Friday. Its new Evidence Blocks are a graphic measurement of five factors that providers and patients can consider when weighing different treatment options.
The Evidence Blocks score different treatments on their effectiveness and safety, as well as the quality and quantity of evidence supporting them. The final factor they evaluate, affordability, is not typically considered when doctors and patients discuss treatment. This measurement is an estimate of the overall total cost of a therapy, including acquisition, administration, toxicity monitoring and hospitalization.
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For some pregnant women, giving birth by Cesarean section is critical, even life saving. But at far too many hospitals in California and across the nation, lots of women are having C-sections when the procedure is not medically indicated, according to newly released data.
The Leapfrog Group is trying to measure how often women are having these unnecessary C-sections. Last week, it released statewide and hospital-level statistics detailing how often first-time moms with lower-risk pregnancies – defined as those that have reached the 37th week or later and consist of one fetus in the head-down position – give birth via C-section.
The group's findings come at a time when experts are cautiously optimistic that the country's C-section rate might be on the decline. Nationwide, the C-section rate among first-time moms with low-risk pregnancies jumped by 44 percent over a decade, from 19.5 percent in 1999 to 28.1 percent in 2009. Since then, it's been slowly dropping, hitting 26.9 percent in 2013.