Tips for navigating plan options during the COVID-19 Pandemic

By Rick Beavin, Desert Pacific Medicare President, Humana

The annual Medicare Advantage and Medicare Prescription Drug Plan open enrollment period is traditionally a time for educational events, classes and one on one meetings, but this year due to the COVID-19 pandemic, there are some new and different ways to learn about Medicare. October 15 to December 7 is the time when millions of people eligible for Medicare can access the latest information about available health plans for 2021. In California alone, more than 6.4 million people are enrolled in Medicare including more than 2.9 million with Medicare Advantage

There are resources to help you choose the plan that’s right for you without having to leave home, including informational websites, virtual educational events and one-on-one virtual meetings with sales agents. At the same time, it’s important to safely access Medicare information online while protecting your personal information and avoiding fake offers and other scams.

Here are some tips for how to prepare for the Medicare fall open enrollment period:

1. Use an online tool

Go to the Medicare Plan Finder on Medicare.gov to compare plans, benefits and an estimated cost for each plan based on an average member.

If you are interested in Medicare Part D, which helps cover the cost of prescription medications, you can also enter the names of prescription medications you take to ensure those medications are covered by the plan you are considering. You can enroll directly on Medicare.gov.

On Medicare.gov, you can also learn about and enroll in Medicare Advantage plans, sometimes called Part C or MA Plans, and you can also visit an insurance company’s website to learn more about what they offer. Insurance companies that offer Medicare Advantage plans can provide you with detailed information about their plans and services, plus prescription pricing information and other benefits. You can also check to see if your primary care physician or other providers are in-network with the Medicare Advantage plan.

2. Sign up for a virtual education workshop

Many insurance companies are offering online workshops to review 2021 Medicare Advantage plan options. Also, check to see if you can set up a virtual one-on-one meeting with an insurance company sales agent – meaning, by phone or video chat. Before you attend a virtual event or meeting, find out in advance how to log on to the meeting to avoid technical issues.  It’s a good idea to also prepare a list of questions so that you can ensure you get the information you need. Does the plan include vision, hearing and dental coverage? Will telehealth services be covered? Is transportation to your medical appointments included?

3. Protect yourself against Medicare scams

The federal Medicare agency has warned that scammers may try to use the pandemic to steal Medicare beneficiaries’ Medicare numbers, banking information or other personal data. Scammers may try to reach out to you by phone, email, text message, social media or by visiting your home. Only give your Medicare number to your doctor, pharmacist, hospital, health insurer or other trusted health care provider. Do not click links in text messages and emails about COVID-19 from unknown sources, and hang up on unsolicited phone calls offering COVID-19 tests or supplies.

If you are not comfortable accessing plan information online, Medicare.gov has an option for setting up a phone call

For more information, go to Medicare.gov or call 1-800-MEDICARE (800-633-4227).

For more information about Humana plans, you can visit www.Humana.com/Medicare or speak with a licensed Humana sales agent by calling 1-800-213-5286 (TTY: 711) from 8 a.m. to 8 p.m. local time, seven days a week.

Rick Beavin is Desert Pacific Medicare President at Humana in California.

Starting today, October 1, the County will begin offering free flu shots to people who come in for COVID testing at several testing sites in Contra Costa.

Making flu shots available at COVID testing sites is part of the County’s larger effort to get more people vaccinated before flu season arrives. Contra Costa Health Services will also be hosting a series of free one-day flu vaccination clinics in October.

“We want to make it as easy as possible for people to get their flu shots this year,” said Dr. Chris Farnitano, Contra Costa County’s health officer. “Offering flu vaccine at COVID testing sites will let people cross two things off their to-do list at once.”

With COVID-19 and the upcoming flu season overlapping, county health officials say it’s more important than ever to get vaccinated against influenza this year.

Health officials are worried about a so-called “twindemic” or “double surge” in the coming months where hospitals are overwhelmed by having to care for both flu patients and COVID-19 patients.

Flu vaccination is the best protection against influenza. Another reason to get vaccinated: people can get sick with COVID and the flu at the same time, which may increase the risk they will need hospitalization.

Flu season in the Bay Area tends to peak in January or February, but it can be unpredictable – which is why it’s best to get vaccinated as soon as possible.

“Getting a flu shot is one thing we all can do to ease our minds during COVID,” said Dr. Farnitano. “Getting vaccinated this year means having one less thing to worry about.”

Influenza and COVID are respiratory illnesses with similar symptoms, such as congestion, cough and fever. People who have these symptoms when flu season arrives should be tested for COVID to help ensure a correct medical diagnosis. The County offers free COVID testing to residents.

There is currently no vaccine for COVID. The best way to prevent the spread of COVID is to practice physical distancing, wear face coverings when around people who don’t live with you, wash your hands regularly and stay home if you’re sick. These measures also help reduce the spread of the flu as well.

County health officials also recommend that essential workers and others with frequent close contact with people outside their own household get tested once a month for COVID, even if they don’t have symptoms.

A list of testing site offering free flu shots can be found on our Get Tested page. There are currently five testing locations offering flu vaccine: Antioch, two in Concord, Richmond and San Ramon. We expect to make flu shots available at more testing sites in the near future.

For more information about influenza, visit cchealth.org/flu.

• Alamo ranks 1st in county, 8th in state with overall fitness score of 88.68, out of 300 cities and communities
• Contributing factors to fitness scores include exercise opportunities, access to healthy food, air pollution and drinking water quality.
• Infographic showing top cities in California according to overall fitness score.

With the pandemic restricting our usual exercise regimes due to social distancing regulations, many Americans have had to adapt their fitness goals and align them with at-home workouts. Combined with the fact that many of us are comfort eating while in the midst of a global health crisis, this may have led some to gain the so-called, ‘Quarantine 15’ without even realizing. However, the good news about working or studying from home is not having to worry about your daily commute taking up too much time that could be used to achieve your at-home fitness goals for the day. But what happens if you don’t have adequate space in your home and don’t live near an open outdoor area in order to work out?

BarBend.com, the world’s leading strength training resource and news outlet, compiled a comprehensive list of the top fittest cities across California, using data backed by studies based on a variety of factors. These were combined to create an overall fitness score out of 100 for each city on the list. Fitness factors in this study include exercise opportunities, access to healthy food, air pollution, drinking water violations, physical inactivity, obesity and smoking, amongst others.

The cities and communities in Contra Costa County have a high rate of exercise opportunities at 970 (per 1,000 people) suggesting that the surrounding environment can play a key role in determining people’s fitness level.

Statewide 8th ranked Alamo was the most fit in the county with a score of 88.68, followed by Orinda #11 – 87.9, Blackhawk #13 – 87.57, Lafayette #22 and Danville #23 tied at 86.66, Clayton #27 – 86.42, San Ramon #28 – 86.29, Kensington #29 – 86.19, Moraga #30 – 86.15, Saranap (an unincorporated area between Lafayette and Walnut Creek) #38 – 85.58, Discovery Bay #41 – 85.3, Hercules #47 – 84.97, Pleasant Hill #52 – 84.76, Contra Costa Centre (Pleasant Hill BART Station area) #55 – 84.64, Martinez #56 – 84.63, El Cerrito #57 and Brentwood #58 which tied at 84.59, Oakley #65 – 84.31, Rossmoor (in Walnut Creek) #66 – 84.23, Walnut Creek #68 – 84.21, Pinole #69 – 84.12, Concord #78 – 83.83, El Sobrante #81 – 83.75, Antioch #87 – 83.58, Rodeo #90 – 83.48, Tara Hills (between Pinole and El Sobrante) #91 and Pittsburg #92 tied with 83.47, Richmond #101 – 83.25, San Pablo #115 – 82.75, and Bay Point #118  with a score of 82.71.

According to the CHR’s county health ranking model, “individuals who live closer to sidewalks, parks and gyms are more likely to exercise”, therefore access to exercise opportunities is crucial in maintaining a healthy population. Additionally, residents who live in neighborhoods with access to grocery stores that allow them to obtain healthy foods, such as fresh fruit and vegetables, are more likely to have healthier diets than those who do not have access to these kinds of supermarkets. Considering the Golden State is abundant in national parks and natural landscapes, the great outdoors provides the perfect background for recreational activities, such as rock climbing, hiking, swimming and cycling. Additionally, Antioch was found to have low air pollution, low rates of physical inactivity, obesity and smoking.

View the top cities for fitness across California (including Antioch data)
“As you can see, there are a variety of external factors that can have an impact on a town’s overall fitness, which can be detrimental to the population’s health, especially where some don’t have access to sufficient space for their at-home workouts,” says Max Whiteside from BarBend.com. “If this is the case, you can still try and keep fit while going about your work for the day by standing, instead of sitting in front of your laptop, taking frequent breaks in which you can complete some lunges and squats, making mobility work a part of your daily routine. Remember your own bodyweight can also be a useful workout tool!”

Allen Payton contributed to this report.