Part D Late Enrollment Penalty
Your monthly Part D premium includes a late enrollment penalty if you miss this time frame. This penalty is 1% of the average monthly prescription premium cost for each month you delay enrollment. In total, this works out to 12% annually.
How does Medicare calculate my Part D late enrollment penalty?
Medicare determines the late enrollment penalty by taking 1% of the national base beneficiary premium, which is $36.78 in 2025, and multiplying it by the number of months you spend without coverage.
Then, Medicare rounds this amount to the nearest 10 cents and adds it to your Part D monthly premium. Medicare recalculates this amount annually using the base premium amount for that year.
How long do I pay the Medicare Part D late enrollment penalty?
This additional charge is permanent, and every monthly premium includes it for as long as you have Medicare Part D coverage and don't enroll in a Medicare drug plan when you initially become eligible for Original Medicare.
You also incur it if you're eligible for Medicare and go 63 days or longer without creditable drug coverage. Once you enroll in a Medicare drug plan, the plan can inform you of your premium amount and whether a penalty is applicable.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
2 hours ago
- Yahoo
6 Sneaky Signs You Might Need to Take Electrolytes, According to Sports Dietitians
Reviewed by Dietitian Katey Davidson, RD, CPTProper hydration involves drinking enough water and maintaining electrolyte balance. Common signs you need more electrolytes include fatigue, muscle cramps, headaches and overheating. While electrolyte supplements can be helpful, you can replenish electrolytes naturally through because you're constantly sipping doesn't necessarily mean you're fully hydrated. Hydration isn't just about water; it's also about electrolytes. 'Electrolytes are minerals that carry electric charges in the body, helping to regulate essential functions like fluid balance, muscle contraction and pH levels,' says Dana Angelo White, M.S., RDN, ATC, a sports dietitian. 'Replenishing electrolytes is critical for maintaining energy, performance and overall hydration.' Sodium, potassium, calcium, magnesium, chloride and phosphorus are the body's major electrolytes. But how do you know if you're getting enough or if you're running low? There are several factors that can cause a loss of electrolytes, including excessive sweating after physical activity, exposure to heat, humid weather, air travel or illness. Below, we reveal six sneaky signs you might be overlooking that could suggest you need more electrolytes. We all feel tired sometimes, whether from a poor night's sleep, stress or skipping meals. But if you've covered all bases and still feel sluggish, an electrolyte imbalance could be to blame. 'Imbalances or deficiencies in electrolytes can disrupt cellular and organ functions, leading to neuromuscular and cognitive issues,' says Briana Butler, MCN, RDN, LD. 'This disruption can contribute to feelings of fatigue and confusion.' Fatigue is a common sign of an electrolyte imbalance. For instance, low sodium can cause fatigue—as can low magnesium and potassium levels. Muscle cramps or spasms can creep up at the worst of times—such as in the middle of a race or when you're trying to fall asleep. While the exact cause of cramps isn't fully understood, researchers agree that those brought on by exercise or heat are likely linked to sweat and electrolyte loss. 'Muscle cramps, particularly during or after exercise, can be a sign of low sodium, potassium, calcium or magnesium levels,' explains Amy Goodson, M.S., RD, LD, CSSD. 'Electrolytes help regulate muscle contractions, and when they're out of balance—especially sodium during heavy sweat loss—muscles can become overly excitable, leading to cramping.' Did you know that dehydration can shrink your brain? When you're dehydrated, your body loses both fluid and electrolytes, including fluid in your brain. These losses can cause your brain to 'slightly shrink', says Jenna Braddock, M.S.H., RDN, CSSD. 'This impacts the nerve function and sensitivity of the brain causing pain.' Besides dehydration, low blood pressure and shifts in electrolyte balance in the brain can also cause headaches, adds Goodson. Specifically, being low in sodium and magnesium can lead to headaches or even migraines, says Butler. When the room starts spinning even though you're sitting still, it's far from fun. 'Dizziness, especially after workouts or time spent in the heat, can be a sign of low sodium levels or fluid depletion. Sodium helps maintain blood volume and pressure; when it drops, circulation to the brain may be temporarily reduced, causing lightheadedness,' says Goodson. She notes this happens when someone drinks a lot of water without replacing sodium. Endurance athletes and anyone doing exercise for extended periods are at risk for exercise-associated hyponatremia, or low sodium. Took a few rest days from the gym, but still feeling unexplained muscle weakness? Lack of electrolytes may be to blame. 'Muscle weakness can occur due to low potassium levels, as potassium is crucial for proper muscle contraction and relaxation at the cellular level by facilitating electrical impulses,' explains Butler. Phosphorus, another key electrolyte, is responsible for energy production. Being low in phosphorus can leave your muscles feeling weak, says Butler. Your body cools itself and maintains core temperature by sweating. However, sweat contains both water and electrolytes, so excessive sweating can lead to a drop in levels. If these aren't replaced quickly, your body's ability to cool itself can become impaired, leading to overheating. 'Without enough electrolytes, your body can't regulate its core temperature properly, increasing the risk of heat illness,' explains White. While many of us reach for electrolyte drinks or powders, there are plenty of natural food and drink sources rich in electrolytes. Here's a guide to replenishing electrolytes naturally: Sodium: Sodium is found in salty snacks like pretzels, crackers and salted nuts. It's also found in canned or packaged foods like soups and beans, as well as many condiments and sauces like soy sauce. Chloride, another key electrolyte, is found alongside sodium in salty foods—hence the name sodium chloride (table salt). Potassium: Many fruits and vegetables are a great source of potassium, like squash, bananas, potatoes, prunes, raisins and spinach. Calcium: Many dairy products like yogurt, cheese, milk, tofu and cottage cheese are rich in calcium. Other sources include fish, such as salmon and sardines, as well as dark leafy greens like spinach and kale. Magnesium: Magnesium-rich foods include seeds, nuts and legumes such as pumpkin seeds, chia seeds, almonds, cashews, black beans and edamame. Phosphorus: Yogurt, dairy milk, cheese, chicken, beef and seafood like salmon and scallops are rich in phosphorus. (15) Keep in mind that many of these six sneaky signs could also be due to other health-related issues. For example, being dizzy could be a sign that you have low blood pressure or anemia. If you experience any of these signs or symptoms, it's best to consult a health care provider to rule out underlying health issues. Staying hydrated is so much more than just drinking water—electrolytes are just as important. Common signs that you need more electrolytes include fatigue, muscle cramps, headaches, feeling dizzy, muscle weakness and overheating. Fortunately, you can find major electrolytes naturally in many foods, including fruits, vegetables, dairy products, meat, seafood and legumes. Plus, don't forget table salt. If you have any concerns or your symptoms don't improve, it's wise to visit a healthcare professional to rule out any other health issues. Is it OK to drink electrolytes every day? Most people don't need to drink electrolytes every day. However, daily electrolytes may be helpful for people who are physically active, regularly exposed to hot or humid weather, fly often or live at high altitudes. Who is at most risk for electrolyte imbalance? Athletes, people with active jobs, young children and older adults are among those most at risk for electrolyte imbalance. These groups tend to lose more fluids and electrolytes or may have difficulty replenishing them properly. Do you need a supplement for proper hydration? You don't need an electrolyte supplement for proper hydration. You can meet your electrolyte needs through food and drink sources like fruits, vegetables, dairy, legumes, meat and seafood. Supplements can be helpful in certain situations, but aren't always necessary. How do you know if an electrolyte supplement is working? The most accurate way to know if your electrolyte supplement is working is by visiting with your health care provider. They can run blood tests to assess electrolyte status and determine if you are well-balanced. Read the original article on EATINGWELL
Yahoo
2 hours ago
- Yahoo
When disasters fall out of the public eye, survivors continue to suffer – a rehabilitation professional explains how sustained mental health support is critical to recovery
The devastating losses from the historic flooding in Texas Hill Country on July 4, 2025, are still coming into grim focus, with 121 deaths confirmed and more than 100 still missing as of July 10. As emergency responders focus on clearing debris and searching for victims, a less visible and slower disaster has been unfolding: the need for ongoing mental health support long after headlines fade. This phase is no less critical than restoring power or rebuilding bridges. Disasters destabilize emotional well-being, leaving distress, prolonged recovery and long-term impacts in their wake long after the event is over. Without sustained emotional support, people and communities face heightened risks of prolonged trauma and stalled recovery. As an educator and practitioner focused on disability and rehabilitation, I explore the intersection of disaster recovery and the impact of disasters on mental health. Both my research and that of others underscore the vital importance of support systems that not only help people cope in the immediate aftermath of a disaster but also facilitate long-term healing over the months and years that follow – especially for vulnerable populations like children, older adults and people with disabilities. Natural disasters disrupt routines, displace families and challenge people's sense of control and security. In the immediate aftermath, survivors often experience shock, grief, anxiety and sleep disturbances. Often these symptoms may evolve into chronic stress, depression, post-traumatic stress disorder or a combination of these conditions. A 2022 study found that Texans who experienced two or more disasters within a five-year span had significantly poorer mental health, as reflected by lower scores on standardized psychological assessments, which highlights the cumulative toll repeated disasters can have on mental well-being. After Hurricane Katrina ravaged New Orleans in 2005, nearly a third of survivors continued to experience poor mental health years later. And reports following Hurricane Maria in Puerto Rico in 2017 revealed surging rates of anxiety, depression and suicidal thoughts, especially in areas where services remained unavailable for extended periods of time. Disaster response understandably focuses on immediate needs like rescue operations, providing post-disaster housing and repairing damaged infrastructure. In addition, short-term mental health supports such as mobile health clinics are often provided in the immediate aftermath of a disaster. However, although emergency services are deployed quickly after a disaster, long-term mental health support is often delayed or under-resourced, leaving many people without continued care during the recovery period, especially in remote or rural communities, exposing deep structural gaps in how recovery systems are designed. One year after Hurricane Harvey devastated parts of Texas in 2017, more than 90% of Gulf Coast residents reported ongoing stress related to housing instability, financial hardship or displacement. Yet less than 10% of people stated that they or someone in their household had used mental health services following the disaster. Hurricane Helene in 2024 similarly tested the resilience of rural mental health networks in western North Carolina. The storm damaged roads and bridges, schools and even local clinics. This prompted a news organization, North Carolina Health News, to warn of rising 'trauma, stress and isolation' among residents as providers scrambled to offer free counseling despite legal barriers stemming from licensing requirements to provide counseling across state borders. State health officials activated community crisis centers and helplines, while mobile mental health teams were dispatched from Tennessee to help those impacted by the disaster. However, state representatives stressed that without long-term investment, these critical supports risk being one-off responses. These events serve as a powerful reminder that while roads and buildings can often be restored quickly, emotional recovery is a slower, more complex process. Truly rebuilding requires treating mental health with the same urgency as physical infrastructure. This requires investing in strong mental health recovery systems, supporting local clinics, sustaining provider networks and integrating emotional care into recovery plans from the start. Lessons learned from previous disasters and an abundance of research show how sustained mental health supports can help people recover and build resilience. These six lessons are particularly helpful for finding needed mental health support following a disaster: If you're feeling overwhelmed after a disaster, you're not alone, and help is available. Free and confidential support is offered through resources like the Disaster Distress Helpline (1-800-985-5990 or text TalkWithUs to 66746), which connects you to trained counselors 24/7. Many communities offer local mental health crisis lines or walk-in centers that remain active well after the disaster passes. Check your county or state health department's website for updated listings and information. Even if physical offices are closed, many clinics now offer virtual counseling or can connect you with therapists and medication refills remotely. If you've seen someone before, ask if they're still available by phone or video. After major disasters, states often deploy mobile health clinics that include mental health services to shelters, churches or schools. These temporary services are free and open to the public. If someone you care about is struggling, help them connect with resources in the community. Share hotline numbers, offer to help make an appointment or just let them know it's OK to ask for support. Many people don't realize that help is available, or they think it's only for more 'serious' problems. It's not. Mental health support doesn't always arrive right away. Keep an eye on local news, school updates or health department alerts for new services that may become available in the weeks or months after a disaster. Disasters don't just damage buildings; they disrupt lives in lasting ways. While emotional recovery takes time, support is available. Staying informed and sharing resources with others can help ensure that the road to recovery isn't traveled alone. This article is republished from The Conversation, a nonprofit, independent news organization bringing you facts and trustworthy analysis to help you make sense of our complex world. It was written by: Lee Ann Rawlins Williams, University of North Dakota Read more: A TikTok 'expert' says you have post-traumatic stress disorder − but do you? A trauma psychiatrist explains what PTSD really is and how to seek help People displaced by hurricanes face anxiety and a long road to recovery, US census surveys show − smarter, targeted policies could help Disasters like Hurricane Ian can affect academic performance for years to come Lee Ann Rawlins Williams does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.
Associated Press
2 hours ago
- Associated Press
Amylyx Pharmaceuticals Presents New Exploratory Analyses from Phase 2 and Phase 2b Clinical Trials of Avexitide in Post-Bariatric Hypoglycemia at ENDO 2025
CAMBRIDGE, Mass.--(BUSINESS WIRE)--Jul 13, 2025-- Amylyx Pharmaceuticals, Inc. (NASDAQ: AMLX) ('Amylyx' or the 'Company') today announced the presentation of new exploratory analyses from the Phase 2 PREVENT and Phase 2b clinical trials of avexitide, an investigational, first-in-class glucagon-like peptide-1 (GLP-1) receptor antagonist for the treatment of post-bariatric hypoglycemia (PBH) at the Endocrine Society's annual meeting (ENDO 2025). In the Phase 2b trial, avexitide 90 mg once daily, the dose being evaluated in the pivotal Phase 3 LUCIDITY trial, led to a 64% least-squares (LS) mean reduction (p=0.0031) vs. baseline in the composite rate of Level 2 and Level 3 hypoglycemic events in PBH, with more than half of the participants experiencing no events during the treatment period. LUCIDITY is a multicenter, randomized, double-blind, placebo-controlled Phase 3 clinical trial evaluating the efficacy and safety of avexitide in approximately 75 participants with PBH following Roux-en-Y gastric bypass surgery. The FDA-agreed-upon primary endpoint of LUCIDITY is reduction in the composite of Level 2 and Level 3 hypoglycemic events. Consistent reductions in composite rate of Level 2 and Level 3 hypoglycemic events also were seen with avexitide 45 mg twice daily studied in the Phase 2b trial and avexitide 30 mg twice daily and 60 mg once daily studied in the Phase 2 PREVENT trial. New pharmacokinetic (PK) and pharmacodynamic (PD) data were also presented demonstrating continuous pharmacologic activity of the 90 mg once daily dose regimen for a 24-hour period. 'Post-bariatric hypoglycemia can profoundly disrupt daily life, requiring individuals to carefully manage meals, social interactions, and routines, often while living in fear of their next hypoglycemic event. The new analysis presented at ENDO 2025 continues to support that avexitide may significantly reduce the frequency of these events,' said Marilyn Tan, MD, FACE, Principal Investigator of the LUCIDITY trial and Clinical Associate Professor at Stanford University. Camille L. Bedrosian, MD, Chief Medical Officer of Amylyx, added, 'Post-bariatric hypoglycemia is a serious and underrecognized condition with no FDA-approved treatments. The data presented show that, in an exploratory analysis from the Phase 2 PREVENT and Phase 2b clinical trials, avexitide significantly reduced the composite rate of Level 2 and 3 hypoglycemic events, including at the 90 mg once daily dose that is being studied in our pivotal Phase 3 LUCIDITY trial. We are particularly encouraged that over half of participants did not experience Level 2 or Level 3 hypoglycemic events during the treatment period. In addition, the pharmacokinetic and pharmacodynamic data demonstrated continuous pharmacologic activity of avexitide 90 mg once daily dose over 24 hours. We continue to be encouraged by avexitide's potential to deliver consistent, meaningful benefit to people living with PBH.' The population PK and PD analyses presented at ENDO 2025 demonstrated that avexitide 90 mg once daily maintained consistent GLP-1 receptor inhibition from morning to midnight and between doses. In vitro potency studies showed an IC₅₀ of approximately 20-30 nM (70-100 ng/mL), indicating robust target inhibition even in the presence of significant levels of GLP-1. PK modeling demonstrated that avexitide plasma levels exceeded IC₅₀ for a full 24-hour period. LUCIDITY was informed by data from five PBH clinical trials of avexitide showing consistent, dose-dependent effects, including statistically significant and clinically meaningful reductions in hypoglycemic events. Avexitide was generally well-tolerated, with a favorable safety profile replicated across clinical trials. Completion of recruitment for LUCIDITY is expected in 2025, with a data readout anticipated in the first half of 2026 and, if approved, commercial launch anticipated in 2027. The presentation and posters are available on the ' Presentations ' tab of the Amylyx website. Webcast Information Amylyx will host an investor event today, July 13, 2025, at 6:00 p.m. PT / 9:00 p.m. ET in San Francisco to discuss post-bariatric hypoglycemia and avexitide. A live webcast of the presentation and Q&A portion of the event can be accessed under 'Events and Presentations' in the Investor section of the Company's website, The webcast will be archived and available for replay for 90 days following the event. About Avexitide Avexitide is an investigational, first-in-class glucagon-like peptide-1 (GLP-1) receptor antagonist that has been evaluated in five Phase 1 and Phase 2 clinical trials for post-bariatric hypoglycemia (PBH) and has also been studied in congenital hyperinsulinism (HI). The U.S. Food and Drug Administration (FDA) has granted avexitide Breakthrough Therapy Designation for both indications, Rare Pediatric Disease Designation in congenital HI, and Orphan Drug Designation for the treatment of hyperinsulinemic hypoglycemia (which includes PBH and congenital HI). Avexitide is designed to bind to the GLP-1 receptor on pancreatic islet beta cells and inhibit the effect of GLP-1 to mitigate hypoglycemia by decreasing insulin secretion and stabilizing blood glucose levels. In PBH, excessive GLP-1 can lead to the hypersecretion of insulin and subsequent debilitating hypoglycemic events. In two Phase 2 PBH clinical trials, avexitide demonstrated highly statistically significant reductions in hypoglycemic events. These events can lead to autonomic and neuroglycopenic symptoms that can have a devastating impact on daily living. About Post-Bariatric Hypoglycemia (PBH) Post-bariatric hypoglycemia (PBH) is a condition that is estimated to affect approximately 8% of people in the U.S. who have undergone the two most common types of bariatric surgery, sleeve gastrectomy and Roux-en-Y gastric bypass (approximately 160,000 people in the U.S.). PBH is thought to be caused by an excessive glucagon-like peptide-1 (GLP-1) response leading to hypoglycemia and impaired quality of life. PBH can cause debilitating hypoglycemic events associated with inadequate supply of glucose to the brain, known as neuroglycopenia. Clinical manifestations can include impaired cognition, loss of consciousness, and seizures. PBH is also associated with a high degree of disability that can result in major disruptions to independent living. There are no approved therapies for PBH. About the LUCIDITY Trial LUCIDITY ( NCT06747468 ) is an approximately 75-participant, multicenter, randomized, double-blind, placebo-controlled Phase 3 clinical trial evaluating the efficacy and safety of avexitide in participants with PBH following Roux-en-Y gastric bypass (RYGB) surgery. The Phase 3 trial will be conducted at approximately 20 sites in the U.S. Participants will be randomized 3:2 to receive either 90 mg of avexitide subcutaneously once daily or placebo. The trial includes an up to six-week screening period, including a three-week run-in period, and a 16-week double-blind treatment period. Participants who complete the double-blind period will be eligible to enter an open-label extension (OLE) period with a duration of 32 weeks. The primary efficacy objective of LUCIDITY will evaluate the FDA-agreed upon primary outcome of reduction in the composite of Level 2 and Level 3 hypoglycemic events through Week 16. Safety and tolerability will also be evaluated. About Amylyx Pharmaceuticals At Amylyx, our mission is to usher in a new era of treating diseases with high unmet needs. Where others see challenges, we see opportunities that we pursue with urgency, rigorous science, and unwavering commitment to the communities we serve. We are currently focused on three investigational therapies across several neurodegenerative and endocrine diseases in which we believe they can make the greatest impact. For more information, visit and follow us on LinkedIn and X. For investors, please visit Forward-Looking Statements Statements contained in this press release regarding matters that are not historical facts are 'forward-looking statements' within the meaning of the Private Securities Litigation Reform Act of 1995, as amended. Because such statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Such statements include, but are not limited to, Amylyx' expectations regarding: the potential of avexitide as a treatment for PBH; expectations regarding the timing for recruitment completion and topline data readout of the Phase 3 LUCIDITY trial of avexitide in PBH; and expectations regarding timing for potential commercialization of avexitide. Any forward-looking statements in this press release and related comments in the Company's earnings conference call are based on management's current expectations of future events and are subject to a number of risks and uncertainties that could cause actual results to differ materially and adversely from those set forth in or implied by such forward-looking statements. Risks that contribute to the uncertain nature of the forward-looking statements include: the success, cost, and timing of Amylyx' program development activities; Amylyx' ability to execute on its regulatory development plans and expectations regarding the timing of results from its planned data announcements and initiation of clinical studies; the risk that early-stage results may not reflect later-stage results; Amylyx' ability to fund operations, and the impact that global macroeconomic uncertainty, geopolitical instability, and public health events will have on Amylyx' operations, as well as the risks and uncertainties set forth in Amylyx' United States Securities and Exchange Commission (SEC) filings, including Amylyx' Annual Report on Form 10-K for the year ended December 31, 2024, and subsequent filings with the SEC. All forward-looking statements contained in this press release and related comments in our earnings conference call speak only as of the date on which they were made. Amylyx undertakes no obligation to update such statements to reflect events that occur or circumstances that exist after the date on which they were made, except as required by law. View source version on CONTACT: Media Amylyx Media Team (857) 320-6191 [email protected] Lindsey Allen (857) 320-6244 [email protected] KEYWORD: UNITED STATES NORTH AMERICA MASSACHUSETTS INDUSTRY KEYWORD: HEALTH CLINICAL TRIALS RESEARCH PHARMACEUTICAL SCIENCE BIOTECHNOLOGY SOURCE: Amylyx Pharmaceuticals, Inc. Copyright Business Wire 2025. PUB: 07/13/2025 05:00 PM/DISC: 07/13/2025 05:00 PM
