This Is When You Should Take Your Meds and The Worst Pain Anyone Can Experience

by Dr. David Efrig

Owls can’t rotate their heads 360 degrees…

But the early English believed that they could… and that an owl would turn its head all the way around to watch you until it strangled itself. Some cultures even believed that death would soon come for you if you were sick in bed and heard an owl screech. (And it turns out owls can only turn their heads 270 degrees.)

This folklore probably came from the fact that these creatures are nocturnal, and death was also associated with nighttime. And the term “night owl” likely started getting used to describe folks who preferred the twilight hours in the mid-1800s.

Today, scientists think genetics plays a big part in dictating if you’re a morning person or a night owl. This is called your chronotype – the times within a 24-hour cycle your body prefers to be asleep and awake.

It works with the 24-hour “clock” in your brain that conducts your sleep/wake cycle, or circadian rhythm.

Your body undergoes cyclical biochemical and hormonal changes throughout the day, creating varying environments for a med to act. So the time of the day you take your medication can affect how well the med might work, along with how well you might tolerate the med to minimize side effects.

Recently, research has shown that one widely taken drug might work best according to your chronotype…

Nearly half of all American adults have high blood pressure, or hypertension. Worse, a 2020 JAMA study showed that high-blood-pressure awareness, which had been on the rise for 15 years, was starting to decline. That’s not great news. After all, hypertension is called “the silent killer” for a reason – it can be taking place without producing any red-flag symptoms.

But for those who know they have hypertension, it’s estimated that roughly 76% take some kind of medication for it.

As for making sure your little pill does its job to the fullest, a recent study suggests that it could boil down to whether you’re a night owl or a morning lark.

Your blood pressure is naturally lower while you’re asleep and higher when you’re awake and alert… though maybe not if you’re battling hypertension and on the older side. Studies have found that some types of hypertension meds do a better job of reining things in if you take them at night. Examples include amlodipine and angiotensin-converting-enzyme (“ACE”) inhibitors.

But according to recent research, whether your hypertension meds work better if taken in the morning versus the evening can vary by your chronotype…

Published this month in the Lancet, a U.K. study followed 5,358 hypertensive folks – half took their medication in the evening and the other half in the morning.

Researchers used a questionnaire to determine which chronotype each patient had. They also looked at whether the participants became hospitalized for heart attack or stroke (both nonfatal).

The results showed that the larks who took their meds in the morning and the owls who took their meds at night had a lower chance of ending up in the hospital for a heart attack. Interestingly, the chronotype and medication type wasn’t associated with stroke hospitalization.

More research is needed for other medications and whether they work best by chronotype. But for now, let’s go over some other common medications and the optimal time in the day to take them…

  • Thyroid and osteoporosis drugs work best on an empty stomach. So they might be more suited to the mornings. Otherwise, make sure to take that pill at least an hour before eating, say, dinner, or two hours after that meal.
  • Diuretics (or “water pills”) help maintain a healthy blood pressure in folks with hypertension or heart failure by making you urinate. So you’ll want to avoid taking these too close to bedtime or else you might find yourself blearily getting up out of bed to use the toilet.
  • Steroid drugs like prednisolone are best in the morning. That’s because our “stress hormone” cortisol levels tend to be highest in the mornings. So popping your med with breakfast means you’ll be more in sync with your body’s natural levels.
  • Once-daily antihistamines for allergies might work better if you take it at night. These meds usually take almost half a day to reach peak levels in your bloodstream. That way, you’ll be armed when you wake up in the morning which is when symptoms tend to be the worst.

One last important note: these aren’t hard and fast rules. That is, they might not be applicable to all drugs. So make sure you check with your prescribing doctor and/or pharmacist if you’re thinking about changing up when you pop that pill or if you take multiple medications.

And whether it’s a “rise and shine” or a before-sleep nightcap, make sure you stay consistent.

Today, scientists think genetics plays a big part in dictating if you’re a morning person or a night owl. This is called your chronotype – the times within a 24-hour cycle your body prefers to be asleep and awake.

It works with the 24-hour “clock” in your brain that conducts your sleep/wake cycle, or circadian rhythm.

Your body undergoes cyclical biochemical and hormonal changes throughout the day, creating varying environments for a med to act. So the time of the day you take your medication can affect how well the med might work, along with how well you might tolerate the med to minimize side effects.

Recently, research has shown that one widely taken drug might work best according to your chronotype…

*****

The Worst Pain Anyone Can Experience

Decades ago, parents would host “chickenpox parties”…

Before scientists developed a chickenpox vaccine, this was a way to expose kids to the virus. A major reason was to “just get it over with” so the child wouldn’t get chickenpox as an adult. One of my researchers remembers that her entire kindergarten class was out with chickenpox (she’d already had the virus years before).

At the time, it seemed like a good idea. Today, we know better.

If you had chickenpox as a kid, that virus never left you… Some of it lies dormant in the nerves along your spinal column.

Later in life, that virus can wake up, triggering excruciating blisters and redness on one side of the body… an infection called shingles. Turns out, shingles afflicts 1 in 3 Americans at some point in their lifetime.

Typically, it presents in a band along the torso, but it can occur anywhere…

I saw a number of shingles patients in my ophthalmology practice. That’s because about 20% of shingles cases develop in the eye and can lead to blindness.

It’s known as one of the most painful illnesses anyone can experience…

Folks who have had it often say their skin felt like it was on fire.

And unfortunately, a third of us will experience it at some point. Each year, around 1 million Americans get shingles.

It’s not surprising that it’s a major concern for our Health & Wealth Bulletin readers… if our inbox is anything to go by. Last month, we answered a reader’s question on shingles and within days, our inbox was full of shingles and shingles-vaccine questions.

So today, I’m answering some of your questions to help you decide if the vaccine is right for you…

Q: I had a relatively mild case of shingles when I was in my 20s. Now I am 75. Should I get the vaccine? – L.R.

A: Unfortunately, shingles is a “gift” that keeps on giving…

People tend to think that if you’ve had shingles once, you can’t get it again. But it turns out the chance of recurrence is about 4.5% in patients younger than 50. But the risk increases to nearly 6% for folks 50 and older.

And your risk increases over time. The older you are, the more likely you are to develop shingles. Also, if you have a compromised immune system (for instance, if you have rheumatoid arthritis or other autoimmune diseases), you’re more at risk of getting shingles.

The downside is that people with weak immune systems are also more likely to react poorly to the vaccine. But most folks reported only mild side effects: redness, swelling, pain, and irritation at the site of injection. Otherwise, this vaccine appears to be quite safe, and it reduces the pain and occurrence of the disease by at least 50%.

We recommend talking to your doctor to determine if the vaccine is the right call for you.

Q: Is it true you must have two shots two or three months apart? Is it $210 per shot? – R.M.

A: Here in the U.S., the only available vaccine is the Shingrix vaccine. And you do need two shots to be fully protected (the second within two to six months of your first shot). And it’s not cheap.

For the years we’ve followed shingles vaccines, we’ve never seen the price below $200 per dose. Despite the fact that around 99% of people aged 50 and older carry the dormant version of the virus that causes shingles – and that the U.S. Centers for Disease Control and Prevention recommends people aged 50 and older get the vaccine – the cost isn’t covered for everyone.

Many private insurance policies will cover all or a portion of the cost. But it’s not covered under Medicare Part B. If you have Medicare Part D, your shingles vaccine is free.

And even if you have to pay cash… relative to the pain and suffering this disease causes, it could be the best health care money you ever spend.

Q: I’m 72 and had the Shingrix vaccine (both shots) five years ago. (I had chicken pox when I was in my late 20s.) Is it still recommended to get the Shingrix vaccine renewed every five years? – B.M.

A: The full protection of the vaccine usually lasts about five to seven years. After that, the effectiveness wears off as you age. If you had your vaccine five or more years ago, talk to your doctor about whether or not you should get a second one.

Fat Heals, Sugar Kills Chapter 6, Part 1

Introduction

We have spent several installments discussing just how destructive dietary sugar is to our health. When I read and listen to talks from several different and knowledgeable experts in this field, their conclusions are essentially saying the same thing: sugar is detrimental to good metabolic health.

Dr. Robert Lustig (the endocrinologist from the University of California at San Francisco) states in a recent talk that sugar has been proven beyond any shadow of doubt to cause four medical problems:

  • Obesity
  • Type 2 diabetes
  • Dental decay
  • Non-alcoholic fatty liver disease

Yes, I should know. I have experienced excessive weight gain and too many dental cavities in my previous life. Hopefully, I have been spared the other two.

Dr. Lustig also asserts that there is very strong correlational evidence that suggests that sugar consumption plays a major role is other degenerative diseases such as

  • Heart disease
  • Hypertension
  • Strokes
  • Cancer

Gary Taubes, a scientific journalist, states in his YouTube video, The Case Against Sugar,

that obesity, type two diabetes, strokes, heart disease, and cancer are all a subset of insulin resistance. Consuming excessive, refined carbohydrates, sugar and high fructose corn syrup in particular, over several decades invariably leads to insulin resistance.

There are many other doctors, authors, medical researchers, and honest YouTubers that are documenting just how destructive sugar is to our well-being. Dr. Lustig describes high fructose corn syrup as a “poison.”

It’s kind of like arsenic. One dose doesn’t kill you. It’s the cumulative effect.

Chapter 6: Metabolic Syndrome

Dr. Fife describes a newly identified deadly disease plaguing the world. It’s called Metabolic Syndrome. Heart attacks and strokes are just two of the end results of this condition.

He continues by explaining that you won’t see “metabolic syndrome” listed as a cause of death on a death certificate. It may be listed as a “risk factor,” but it’s not listed as a cause.

Metabolic syndrome is defined as association between a cluster of five metabolic disorders that commonly occur together, and which greatly increase the risk of heart disease, diabetes, Alzheimer’s, and other chronic degenerative diseases.

Dr. Fife lists the following as signs of metabolic syndrome.

  • High fasting blood glucose
  • Abdominal obesity
  • High blood triglycerides
  • Low HDL Cholesterol
  • High blood pressure

Metabolic syndrome is an indication of a body seriously out of whack, chemically, hormonally, and metabolically. It is associated with low-grade inflammation and oxidative stress. Dr. Fife then lists 35 diseases that are associated with metabolic syndrome. See pages 105-106 for the complete list. Among these 35 diseases are:

  • Alzheimer’s disease
  • Chronic fatigue syndrome
  • Coronary artery disease
  • Diabetes
  • Glaucoma and macular degeneration
  • Inflammatory bowel disease, Crohn’s disease
  • Kidney disease
  • Obesity
  • Sleep apnea
  • Some forms of cancer

Dr. Fife states that a person with metabolic syndrome is at a greatly increased risk of developing any combination of these various 35 metabolic disorders.

For example, the diabetic may also suffer from Alzheimer’s, have vison problems, have hormonal imbalances, and die from heart disease.

Dr. Fife states several factors that contribute to metabolic syndrome:

  • Physical inactivity
  • Aging
  • Exposure to environmental toxins
  • Medications (think prescription drugs) and recreational drug usage
  • Smoking
  • Genetics
  • And most important, DIET

Of course, by diet, he’s referring the overconsumption of refined carbohydrates and a deficiency of good quality fats, protein, and fresh produce. He stresses that the conditions of metabolic syndrome can be improved by replacing the refined carbs in one’s diet with healthy fats and whole foods.

The following is one if his key points in this chapter:

He describes a study that shows that refined carbohydrate restriction is the single most effective intervention for reducing all the features of the syndrome and should be the first approach in managing heart disease and diabetes. A side benefit is weight loss.

My Comment: Yep, quit the sugar. How many doctors hammer this point home?

Dr. Fife makes a nice summation of this section:

It appears that excessive consumption of sugar and refined starch, not fat or saturated fat, is at the heart of most every chronic degenerative disease that troubles our society. It is no wonder why the sugar industry has worked so hard to distract the facts and confuse the medical community and the general public about its dangers. If you want to age prematurely and suffer the last half of your life with a chronic disease, it appears that consuming a high-sugar diet is the fastest way to get there.

My Comments: Some long-time clients of mine referred me to some friends of theirs, Bob and Sue, fictitious names of course. I called and briefly spoke with Sue.

Sue gave me a rundown of their current situation. They are in their eighties, and both are diabetics. They’re also taking several prescriptions.

Sue expressed concern that her Medicare advantage plan was going to cease covering the very expensive Ozempic. She came across like she was at her wits end.

Assuming, of course, that they were eating the SAD way (standard American diet) I emailed her a link to the Quit Sugar Summit which is found at quitsugarsummit.com. She promptly emailed me back and said, “We’re too old to make any diet changes.”

This situation is a real tragedy. They’re faced with degenerative diseases and costly prescription copays. But rather than doing something about it, they’d rather continue their refined carbohydrate diet, take the pills and injections that their doctor prescribes, and then complain about the cost of their prescriptions.

In all likelihood, they’re addicted to the drug called sugar, and like most addicts, they don’t want to quit. Instead, they would rather continue their addiction and have their doctor deal with the aftermath.

One YouTuber doctor called out sugar addiction for what it is: substance abuse. He was spot on.

Continuing:

Insulin Resistance

Insulin Resistance is an essential underlying feature of metabolic syndrome. As insulin resistance begins to develop, fasting blood levels rise consistently above 90 mg/dl. When the number surpasses 100, insulin resistance is advanced and one of the markers for metabolic syndrome. This is now the start or either pre-diabetes or just diabetes.

Full-blown diabetes is diagnosed when fasting blood sugar reaches 129mg/dl or greater; at this stage insulin resistance is severe and health risks become very serious. Uncontrolled diabetes can lead to a myriad of complications such as mental deterioration, kidney failure, heart attack, stroke, blindness, nerve damage, digestive troubles, gum disease, and many other disorders.

Dr. Fife hammers again on the central theme of his writing: The above conditions are all caused by the excessive consumption of sugar and refined carbohydrates and the lack of other, more nutritious foods.

The overconsumption of these refined carbohydrates spikes your blood sugar levels. That, in turn, ramps up your production of insulin. Over time, this constant high demand for insulin takes its toll on your pancreas, and it begins to wear out, and insulin production declines.

For more learning about insulin resistance, please watch these videos:

1) What is insulin resistance? A Mayo Clinic expert explains (5:54)

2) Understanding Blood Sugar Levels, INSULIN RESISTANCE & Impact on Chronic Diseases

3) How to Avoid Insulin Resistance and Why it’s Important | Dr. Robert Lustig & Dr. Dom D’Agostino (1:17:17)   This video runs more than hour and is somewhat technical as it’s a discussion between two medical doctors. However, it gets to the heart of the problem.

Among others, here is a key quote that begins @ 43:04.

Dr. Robert Lustig:
Here’s the problem. We have this thing. It’s called the American Diabetes Association [ADA], and I’m not a fan (he chuckles and laughs) to say the least. The reason I’m not a fan are two-fold.

The first is that they state, categorically, that diabetes is a chronic, degenerative, unremitting, chronic metabolic disease with no treatment and no cure. That’s what they say. Go to their website. That’s what they say. None of those things are true. (My emphasis)

…..I’ve proven it. The fact of the matter if that type 2 diabetes is eminently reversible. You have to fix the diet, but they don’t say anything about the diet.

What they said was give all the carbs you want but just give enough insulin to cover it, which is also not true.

There are many other terrific videos about insulin resistance, but these three are a good start.

My Comments: One of the guys in a coffee group I attend is Bill (fictitious). He is diabetic and very overweight. At one meeting he went to the coffee bar and picked up a doughnut-type pastry. Somehow in our discussion he mentioned, or maybe I saw the patch on his arm, that he wears a continuous glucose monitor (CGM).

He proudly showed me the CGM app on his phone. The graph showed that his blood sugar spiked up to around 195 (195…yikes!) upon eating the doughnut, but now it was falling. He thought everything was okay and working. His normal was way above 130! He’s a victim of the American Diabetes Association.

I told him about the Quit Sugar Summit.

As a former sugar addict, I can tell you that the only way to beat sugar addiction is to get off the sugary junk, fake foods. You can’t be a recovering alcoholic and fooling yourself by saying, “I’ll only have one beer a day. Folks, it just doesn’t work that way.

Continued next issue.

2025 Changes with the Prescription Drug Plans

by Lance D Reedy

Introduction

Congress authorized the Part D Prescription Drug Plans (PDPs) which was one part of the 2003 Medicare Modernization Act (MMA). Another major aspect of the MMA legislation was establishing the latest rendition of the privatized Medicare plans, known as Medicare advantage.

The original construction of the PDP plans consisted of four phases. Note: I have simplified this discussion for easier understanding.

  • Phase One: You had to pay the $250 deductible.
  • Phase Two: You paid 25% of the retail cost of the prescriptions until the retail amount of your drugs was up to a specified amount.
  • Phase Three: You then paid 100% of the drug cost while in the coverage gap or the doughnut hole.
  • Phase Four: You paid 5% for name brand drugs if/when you hit the catastrophic stage.

Medicare allowed for some modifications right off the bat in 2006 and in the ensuing years as long as the modifications were as good as or better than the original model. Examples:

  • Some plans had no deductible but had a higher premium.
  • Many plans had fixed copays rather than paying the 25% co-insurance.
  • Some low premium plans had no deductible for tier 1 and 2 generics, but a they had a deductible for tier 3, 4 and 5 drugs.

As common name brand drugs such as Lipitor (atorvastatin), Norvasc (amlodipine), and Toprol (metoprolol succinate) went generic, many plans offered super low copays for these new and existing generics. The following are some common examples:

  • Tier 1 generics: Zero to $2 copays
  • Tier 2 generics: $4 to $7 copays

The 100% cost in Phase 3 dropped to 50% somewhere around 2015, and then it dropped by 5% per year until around 2020. The cost for generics and name brands in the coverage gap now stood at 25% through the end of 2024.

Inflation Reduction Act Legislation

On August 16, 2022, President Biden signed the Inflation Reduction Act (IRA) into law. One of the provisions of this act was to lower prescription costs. The following changes were scheduled for the PDPs.

  • 2024: Phase 4 was eliminated. If you went through the coverage gap and hit the catastrophic stage, you no longer paid 5% for brand name drugs.
  • 2025: Phase 3 will be eliminated. There will now be a $2,000 cap on the amount that any PDP member pays for his/her drugs. The $2,000 cap will rise with inflation.

This is all very good news for PDP members with high prescription costs. However, the law of unintended consequences has come into play.

Disclaimer: We are forbidden by Medicare to discuss any specific PDP information such as copays, premiums, and other specific plan details until October 1. For example, we can’t say that the 2025 Acme Good Health Premier plan will be $55 per month and have such and such copays for their various tiers. That’s prohibited until October 1.

We can speak in broad terms about general trends as long as we don’t discuss a specific plan.

Unintended Consequences

As yourself this question: If legislation dictates that the PDP companies will now pay the 25% when members hit the coverage gap, what will that do to the premiums for their plans? Obviously, no company or business can operate at a loss, so the PDP companies have been forced to raise their 2025 premiums. The question is, how much?

A major uproar happened (we can guess) with the officials at the Center for Medicare and Medicaid Services (CMS) when the PDP companies submitted their bids (proposed premiums) for the 2025 plan year. We can only guess that the bids were shockingly higher.

There is also the political aspect. Obviously, this is an election year, and the politicians don’t want to see the senior citizen voting block angered by big price hikes. I don’t think the signees of the 2022 IRA legislation considered this conundrum.

As I write, there is still plenty of behind-the-scenes skirmishing occurring in the halls of government. I suspect that the head honchos are scrambling for more subsidies for the PDP companies to mitigate the higher premiums. Without mentioning any specifics, here are some speculations for 2025 PDP changes.

  • Premiums will rise. How much is still up in the air.
  • One major PDP player is calling it quits.
  • There will some plan consolidation. Let’s say our fictitious Acme Good Health has their Value, Basic, and Premier plans. They may shrink their offerings to just two or even one plan. For example, if Acme decides to go with just their middle Basic plan, then their Value and Premier members will automatically be moved to Acme’s Basic plan. This change may or may not be the right plan for you in 2025.
  • Agent service renewals are being cut or eliminated by some PDPs. Needless to say, the agent community isn’t too happy about this. Promises are being broken.

Annual Notice of Change

You should receive your plan’s Annual Notice of Change (ANOC) by US Postal Mail during the latter part of September. Previously, some clients reported to us that they received their ANOCs in October or even never at all.

PLEASE READ YOUR ANOCs! They will disclose the following:

  • If your plan will be cancelled at the end of 2024 and your company is quitting the PDP market.
  • Your 2025 plan premium.
  • If you’re being moved from one plan to another within the same company.
  • Your copays and/or coinsurances for 2025.
  • Your 2025 deductible amount.
  • Tier changes.
  • Changes in the formulary or changes of important prescriptions or even dropped scripts.

Please feel free to contact us with any questions regarding your ANOCs. You can share with us the info on your notice prior to October 1, but as mentioned earlier, we are forbidden to provide any specific information about plan details before that date.

Our Promise to You

We will continue to provide you with our high level of service in securing your best buy for your 2025 PDP. With so many looming changes, we expect things to be unusually busy to say the least.

We hope that your 2024 plan will remain your best buy for 2025. For sure, that simplifies matters.

Since many popular plans will not be working with agents, we’ll likely be doing less paper or e-applications. If, for example, the Acme Health Basic plan is your best buy for 2025, we’ll provide you with their toll-free call center number to sign yourself us. Alternatively, we’ll be happy to sign up as many of you as possible on Medicare.gov, time permitting.

PDPHelper.com

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