It’s time for the seasonal flu vaccine!

This year, it’s more important than ever that you get your flu vaccine early for seasonal influenza. With Covid-19 still active and a potential resurgence over the fall and winter, you need all the protection you can get. While the seasonal flu vaccine will not protect you from Covid-19, it will help ensure that hospitals and healthcare providers don’t get overwhelmed by a double whammy, or what some are calling a “twindemic.”

But making it a priority to get a flu vaccine isn’t simply to help preserve precious health care resources for others, it’s also good for protection you. Remember, the seasonal flu can be a killer, claiming thousands of lives each year. Also, health experts think that it is possible to contract seasonal influenza and Covid-19 at the same time, so you want to prevent your own personal “twindemic.” While a vaccine is not an ironclad guarantee that you won’t still get a seasonal bug, flu vaccines have been shown to reduce the risk of flu illness, hospitalization, and death. In other words, if you do get a flu, the vaccine will make your illness less severe, and make it less likely you’ll end up in the hospital. This is particularly important for high-risk people and people with underlying health conditions.

This year, health officials recommend getting your vaccines early, ideally in September or October before the flu season starts. But if you miss this time frame, should you still get vaccinated? Health officials say yes, up through January.

Here’s who the CDC recommends get vaccinated:

  • Everyone above the age of 6 months
  • Those who are at a high risk, such as adults over 65 years old and people with underlying medical conditions (cancer, heart disease, asthma – see more)
  • Pregnant women
  • Caretakers exposed to vulnerable groups
  • Healthcare workers and essential workers

Be aware that there are different vaccines recommended for different populations. There are special vaccines for young children, and higher dosage vaccines for adults 65 years old and older. This year, there is one vaccine for seniors that has been updated to protect against four strains of influenza, rather than three as in previous years.
Learn more about which vaccine is most appropriate for you at the CDC.

Where to get flu shots

In the past, many people got flu shots at work, but with the prevalence of remote work during the pandemic, most people will be on their own this year. There are many  places to get a shot, such as pharmacies, clinics and doctors’ offices – and some communities may even set up drive-through flu vaccine sites. Use the Vaccine Finder to find places near you based on the type of vaccine you need. Remember to check if  the facility is walk-in or by appointment and be sure to review any required Covid-19 health procedures and costs. If you have private insurance, Medicare, or Medicaid, you’ll probably only need to cover a copay, but if you don’t have insurance, shop around because prices can vary.

Here’s more info and more flu resources:

 

Reprinted from Renaissance Alliance – no usage without permission.

June is Men’s Health Month: Raising awareness about health checkups and screenings

Let the men in your life know how much they mean to you by encouraging them to get healthy! June is Men’s Health Month, a time to encourage and support all the men in our lives to get health screenings and checkups. Why? Quite simply, the founders of this initiative say that “men live sicker and die younger.” The dedicated month is sponsored by the Men’s Health Network (MHN), a national non-profit whose mission is to reach men, boys, and their families where they live, work, play, and pray with health awareness and disease prevention messages and tools, screening programs, educational materials, advocacy opportunities, and patient navigation.

MHN says that part of the reason men have a shorter life expectancy than women is that men are “more likely to go long periods of time without going to the doctor, they’re less likely to adopt preventive health measures, and are more likely to engage in risky behaviors.” Men’s Health Month aims to raise awareness and to shine a spotlight on the need for men to a more active approach to their health.

This MHN pamphlet Get It Checked offers a handy, printable schedule of checkups and age-appropriate  screenings for both men and women, Among other resources and initiatives, MHN sponsors the Men’s Health Resource Center, which offers multimedia and articles on such health topics as aging, cancers, cardiovascular health, diabetes, mental health, prostate health, sexual & reproductive health, and much more. They also offer information on fatherhood, behavioral health and nutrition.

Part of the reason MHN chose June as the dedicated awareness month is that it’s the month in which we all think about one of the most important men in our lives on Father’s Day. In addition to the month-long observance, they also sponsor Men’s Heath Week, which falls in the week prior to Father’s Day, and a Wear Blue Day, which this year falls on Friday the 19th.

If you’re a healthy man, spread the word.  If you are a woman, make sure you remind the men in your life to look after their health!

Men's Health Month infographic

Reprinted from Renaissance Alliance – no usage without permission.

What’s an insurance deductible?

Like many other industries, insurance has its own unique jargon that can sometimes make shopping for coverage seem overly complicated. Your local independent insurance agent is always happy to break things down for you and explain any language or terms that you don’t understand. One term that is commonly used in auto, health and in other insurance policies is “deductible.”

In simple terms, a deductible is the amount of money that you, the insured, must pay for a claim before your insurance will kick in.

If you have a deductible, it means that you will be responsible for any losses or payment of services up to the stated dollar amount in your insurance policy. Usually, deductibles are defined as a dollar amount, but they can also be defined as a percentage.

Deductibles can be beneficial both for the insured and for the insurance company. For the insured, it can be a way to are a way to reduce the cost of insurance: The more risk for loss that you, the insured, agree to pay before the insurance kicks in, the lower your premium. For the insurance company, it is a way to avoid the cost of processing and paying a high volume of small claims. Talk to you insurance agent about what deductible options are available to you and how they will affect the cost of your coverage.

Let’s look at an example: You are in an auto accident and your car’s damages are assessed at $1250 in damages. If your insurance policy has a $500 deductible, you will have to pay the first $500 of the damages to your car out of your own pocket and the insurer will pay the remaining $750. Generally, once the deductible is met, any future losses that you might have during the term of that policy will be covered in full.

The Insurance Information Institute has a great article on understanding your insurance deductibles that explains how deductibles work to prevent surprise costs and save money. It’s a good introduction with clear examples. They also discuss homeowners disaster deductibles for hurricane, wind/hail, flood and earthquake coverage. (Reminder: your homeowners insurance does not automatically cover you should your home be damaged by flood, earthquake, and other natural catastrophes – talk to your insurance agent about what your homeowners does and doesn’t cover.)

Businesses can also opt for deductible plans for certain types of business coverage such as workers compensation programs.

Many people are familiar with deductibles through their health insurance coverage. Learn more about health insurance deductibles at HealthCare.gov.

As with all insurance matters, you need to check your own policy. Insurance can vary by state law, by type of coverage, and by individual policy. It’s a good idea to read your policy and to ask your insurance agent to explain any terms that you don’t understand.

 

Reprinted from Renaissance Alliance – no usage without permission.

Know the signs: Stroke can happen at any age

May is American Stroke Month. The recent deaths of beloved filmmaker John Singleton, aged 51 and actor Luke Perry, aged 52, serve as a sad reminder of why awareness of stroke warning signs is so vital. It’s also important to have a response plan for what to do if a stroke is suspected.

Generally, we tend to think of stroke as a medical condition affecting the elderly – and while stroke risk does increase in older years, the reality is that people of any age can suffer a stroke. In fact, health authorities say that the stroke risk for younger people is climbing.

“The deaths of Perry and Singleton underscore the fact that strokes are becoming more common among middle-aged adults. Between 2003 and 2012, the odds of being admitted to a hospital following an ischemic stroke — the most common type of stroke — increased 35.6% among U.S. residents ages 35 to 44. For those 45 to 54, the odds increased 20.5% over the same period, according to a 2017 study published in the Journal of the American Medical Assn.”

It’s important to learn stroke symptoms and act immediately, because with rapid treatment, stroke damage can be limited and the person can have a better chance of recovery. Experts say to think FAST: Facial drooping, Arm weakness, Slurred speech, and Take action, time is vital. The symptoms are ones that we might identify as a stroke in the elderly, but we might not be looking for such symptoms in people who are young or middle-aged. In younger people, these and other common stroke symptoms might be misattributed to intoxication or drug use.

Limit your risk

Here’s some good news: an estimated 80% of strokes in the US are considered preventable. There are two primary types of risk factors for stroke:

  • Uncontrollable factors, such as age, gender, race and ethnicity, family history, a prior stroke and certain health conditions.
  • Modifiable factors, such as high blood pressure, high cholesterol, smoking, a diet high in saturated fats, physical inactivity and obesity.

Learn more about stroke risk factors that are controllable and steps you can take to control them. See also: 7 things you can do to prevent a stroke.

This video depicts an elderly person who is having stroke symptoms and what happens afterwards. It’s well done. Save a life by having a better understanding of stroke and by knowing what signs and symptoms to look for.

Reprinted from Renaissance Alliance – no usage without permission.