Question 1

What costs are associated with Medicare?

Accepted Answer

Costs include monthly premiums, annual deductibles, coinsurance, and copayments, varying by plan.

Question 2

What is Medigap and do I need it?

Accepted Answer

Medigap is supplemental insurance that helps cover out-of-pocket costs not paid by Original Medicare. It’s useful if you want fewer unexpected medical bills.

Question 3

What changes are coming to Medicare in 2025?

Accepted Answer

In 2025, Medicare Part D will have a $2,000 cap on annual out-of-pocket prescription drug costs and new rules for spreading payments over the year.

Question 4

How does the Medicare Prescription Payment Plan work?

Accepted Answer

It allows you to spread prescription drug costs into monthly payments instead of paying all at once.

Question 5

What is IRMAA and how can I reduce it?

Accepted Answer

IRMAA is an extra charge on Part B and Part D premiums for higher-income individuals. You may lower it by reducing taxable income or appealing if your income drops.

Question 6

What is niacinamide and what are its benefits?

Accepted Answer

Niacinamide (Vitamin B3) brightens skin, reduces redness, minimizes pores, and strengthens the skin barrier.

Question 7

Can you get rid of dark circles completely?

Accepted Answer

Dark circles can be reduced with good sleep, hydration, sunscreen, vitamin C, and retinol, but genetics and age may make them permanent.

Question 8

What’s the correct order to apply skincare products?

Accepted Answer

Cleanser → Toner → Serum → Eye cream → Moisturizer → Sunscreen (AM) / Cleanser → Serum → Moisturizer (PM).

Question 9

What is fungal acne and how is it different from regular acne?

Accepted Answer

Fungal acne is caused by yeast, not bacteria. It often appears as small, itchy bumps and responds to antifungal treatments.

Question 10

Can you tan while wearing SPF 50?

Accepted Answer

Yes, but SPF 50 blocks about 98% of UVB rays, so tanning will be slower and safer for your skin.

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