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GMA Network
6 hours ago
- Health
- GMA Network
99% protection vs HIV: What is Pre-Exposure Prophylaxis or PrEP and where can you get it?
The Philippines is currently facing a sharp rise in HIV cases, with a staggering 500% increase reported among the youth. Based on the latest data from the Department of Health, there are 148,831 recorded cases of HIV in the Philippines. As the country faces a surge in HIV cases, DOH Secretary Ted Herbosa has urged the public to use condoms, lubricants, and pre-exposure prophylaxis (PrEP) medication to reduce the risk of HIV infection. In a previous interview with GMA News Online, Dr. Deano Reyes, an LGBTQ+ health doctor and the medical director of Hara Clinic, a holistic gender and sexual health clinic, said PrEP is among the most effective ways to stay protected against HIV. 'There is this medication called PrEP where you take one pill every day, and if you take it properly, it has a 99% protection against HIV,' Reyes explained. In PrEP, patients regularly take one pill every day. There is also an event-driven PrEP, where patients take two pills of PrEP between two and 24 hours before they anticipate having sex. But it's important to remember that while PrEP offers 99% protection against HIV, PrEP only protects against HIV. It doesn't offer protection from other sexually transmitted infections (STIs) like chlamydia, syphilis, or gonorrhea. (Condoms are only 95% effective at protecting against HIV and other STIs) In the Philippines, the primary PrEP medicine is a combination of two antiviral drugs: Emtricitabine (FTC) and Tenofovir Disoproxil Fumarate (TDF). According to LoveYourself Inc., a non-government organization in the Philippines that offers free HIV testing, counseling, and treatment, PrEP works by blocking HIV enzymes, thereby preventing the virus from establishing an infection. In the country, PrEP is commonly known by its brand name Truvada, and is taken before potential exposure to HIV. The recommended dosage typically ranges from 100mg of Emtricitabine and 150mg of Tenofovir to 200mg of Emtricitabine and 300mg of Tenofovir, depending on the patient's age and body weight. Where to get PrEP? PrEP is available in some medical facilities in the Philippines. Here is where you can avail it: Love Yourself Inc.: Love Yourself offers free PrEP. To avail of PrEP, simply sign up using the forms available on their social media account. Facebook. My Hub Cares: My Hub Cares is another medical institution that also offers free PrEP. You can avail of their medicine by going to their clinics in Pasay, Ortigas and Alabang or you can have it delivered to your home. Website. Sustained Health Initiatives of the Philippines (SHIP) - SHIP is a non-government organization that also offers free PrEP through their Sail Clinics located in Makati and Cavite. Facebook. Private health care facilities - PrEP is also offered in private health clinics in the Philippines, such as Hara Clinic, Medi Prime Clinic and Pulse Clinic Manila, among others. Get tested, stay protected. — LA, GMA Integrated News
Health Line
02-06-2025
- Business
- Health Line
What Happens After Enrolling in Medicare?
After you enroll in Medicare, you receive a welcome packet with information such as your Medicare card. You also have some important decisions to make about additional coverage. It's a great idea for a new Medicare enrollee to learn how Medicare works and the interactions of its parts. Consider familiarizing yourself with the key parts of Medicare: Part A (hospital insurance) Part B (medical insurance) Part C (Medicare Advantage) Part D (prescription drug coverage) Medicare supplement insurance (Medigap) With a solid understanding of the Medicare system, you can make educated decisions and ensure that your coverage aligns with your health and financial goals. Medicare can be complex. If you want help understanding your options and deciding what's best for you, consider speaking with a professional. You can get free, unbiased Medicare counseling from your local State Health Insurance Assistance Program (SHIP). This article discusses what to expect in the weeks after signing up for Medicare and what steps you can take to get the best coverage. Look for your welcome packet Within a couple of weeks of signing up for Medicare, you receive a ' Welcome to Medicare ' packet that contains a: letter introducing you to the Medicare program booklet with your coverage details Medicare card Your Medicare number is on your Medicare card and account. Healthcare professionals, insurers, and certain government agencies require your Medicare number to identify you and ensure you get the appropriate care. You also need your number to join a Medicare plan and buy Medicare supplement insurance. Consider your coverage needs Once you sign up for Original Medicare (parts A and B), you can decide whether to add additional coverage. Your options include: switching to a Medicare Advantage plan adding Part D prescription drug coverage including Medicare supplement insurance (Medigap) Medicare Advantage plans are available from private insurance companies. These plans include the same benefits as Original Medicare but offer extra coverage for other medical necessities, such as dental, vision, and hearing care. Medicare Advantage plans vary by location and provider. You can search for and compare plans on If you want to keep Original Medicare, you have a few options for adding extra coverage. You can sign up for a stand-alone Part D plan to add coverage for prescription drugs. You can also sign up for a Medigap plan to help cover the out-of-pocket costs of Original Medicare. Consider signing up for a Medigap plan within 6 months after your Part B coverage begins to get the most plans at the best prices. Learn when your coverage begins Knowing when your coverage starts is critical after enrolling in Original Medicare. The timing of your coverage initiation depends on when you sign up. If you sign up for Medicare during your initial enrollment period but before the month of your 65th birthday, your coverage begins at the start of your birth month. If you sign up during or after the month you turn 65 years old, coverage begins at the start of the next month. Once your coverage begins, consider contacting your healthcare professionals and pharmacy to update them on your new insurance. Schedule your 'Welcome to Medicare' visit If you sign up for Medicare Part B, you qualify for a 'Welcome to Medicare' preventive visit during your first 12 months of coverage. It's a free, comprehensive visit that includes: a review of your health history educational material on vaccines and other preventive services body measurements necessary referrals a mental health evaluation a written medical plan However, the Welcome to Medicare visit isn't a physical. Get familiar with your coverage Review your policy documentation to understand all facets of your coverage when you finalize your plans. Look at what benefits you can receive, the costs you need to pay, and the coverage limitations. Doing so can help you get the most out of your Medicare coverage and prepare for costs ahead of time. Summary After enrolling in Medicare, you receive some vital information. You also have to make some decisions about your coverage. Watch for your Medicare welcome packet in the mail and review its documents. Read up on how Medicare works to help you make coverage choices that are right for you. Once you finalize your coverage, update your healthcare professionals on your new insurance details, and schedule your Welcome to Medicare preventive visit, if you have Part B. Contact your local SHIP for free Medicare counseling if you have questions.
Yahoo
24-05-2025
- Business
- Yahoo
Seanergy Maritime Holdings Corp (SHIP) Gains As Market Dips: What You Should Know
In the latest market close, Seanergy Maritime Holdings Corp (SHIP) reached $6.02, with a +1.52% movement compared to the previous day. The stock outperformed the S&P 500, which registered a daily loss of 0.67%. Meanwhile, the Dow experienced a drop of 0.61%, and the technology-dominated Nasdaq saw a decrease of 1%. The company's stock has climbed by 2.42% in the past month, falling short of the Transportation sector's gain of 9.33% and the S&P 500's gain of 10.65%. The investment community will be paying close attention to the earnings performance of Seanergy Maritime Holdings Corp in its upcoming release. The company is slated to reveal its earnings on May 27, 2025. The company is expected to report EPS of -$0.44, down 177.19% from the prior-year quarter. Meanwhile, the Zacks Consensus Estimate for revenue is projecting net sales of $23.33 million, down 39.07% from the year-ago period. For the annual period, the Zacks Consensus Estimates anticipate earnings of $0.33 per share and a revenue of $141.21 million, signifying shifts of -86.13% and -15.68%, respectively, from the last year. It is also important to note the recent changes to analyst estimates for Seanergy Maritime Holdings Corp. These latest adjustments often mirror the shifting dynamics of short-term business patterns. Therefore, positive revisions in estimates convey analysts' confidence in the company's business performance and profit potential. Empirical research indicates that these revisions in estimates have a direct correlation with impending stock price performance. We developed the Zacks Rank to capitalize on this phenomenon. Our system takes these estimate changes into account and delivers a clear, actionable rating model. The Zacks Rank system, which ranges from #1 (Strong Buy) to #5 (Strong Sell), has an impressive outside-audited track record of outperformance, with #1 stocks generating an average annual return of +25% since 1988. Within the past 30 days, our consensus EPS projection has moved 72.15% lower. Right now, Seanergy Maritime Holdings Corp possesses a Zacks Rank of #4 (Sell). From a valuation perspective, Seanergy Maritime Holdings Corp is currently exchanging hands at a Forward P/E ratio of 18.25. This expresses a premium compared to the average Forward P/E of 8.46 of its industry. The Transportation - Shipping industry is part of the Transportation sector. With its current Zacks Industry Rank of 175, this industry ranks in the bottom 30% of all industries, numbering over 250. The Zacks Industry Rank assesses the vigor of our specific industry groups by computing the average Zacks Rank of the individual stocks incorporated in the groups. Our research shows that the top 50% rated industries outperform the bottom half by a factor of 2 to 1. Remember to apply to follow these and more stock-moving metrics during the upcoming trading sessions. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Seanergy Maritime Holdings Corp (SHIP) : Free Stock Analysis Report This article originally published on Zacks Investment Research ( Zacks Investment Research Sign in to access your portfolio
Hindustan Times
21-05-2025
- Business
- Hindustan Times
New policy focuses on affordable housing, inclusivity
MUMBAI: The cabinet on Tuesday announced the state's new Housing Policy 2025, focusing on affordable and inclusive housing. Titled 'Majhe Ghar – Majhe Adhikar', the policy aims to build 3.5 million homes for economically weaker sections (EWS) and low-income groups (LIGs) by 2030, and 5 million units in the next 10 years. This would involve an investment of ₹70,000 crore. The policy also introduces special measures for seniors, working women, students, journalists, differently abled individuals and industrial workers. Housing schemes are also proposed for government employees, ex-servicemen, freedom fighters, artists, mill and mathadi workers, as well as airport employees. These schemes will be implemented through public-private partnerships. For the first time, Corporate Social Responsibility (CSR) funds can be used by companies for affordable and social housing projects (for working women, senior citizens, student housing), and incentives will be offered. Deputy chief minister Eknath Shinde, who is also the state housing minister, said, 'There will be no dearth of homes due to this policy. It is an all-inclusive policy and we have thought about dabbawallahs, police housing, mill worker housing, etc. We will roll out affordable houses. We are also promoting the 'walk-to-work' concept based on PM Narendra Modi's suggestions.' Under the new policy, the government will create a State Housing Information Portal (SHIP), a centralised digital platform. The policy also includes the setting up of a government-owned land bank to achieve the state's affordable housing target. The state plans to create affordable housing near major hospitals in cities like Mumbai. These will be offered on rent to relatives of patients, on the lines of the Prime Minister Awas Yojana. The new housing policy supports the prime minister's 'walk-to-work' concept, underlining the development of housing close to employment hubs, especially in industrial areas. New constructions will be planned to deal with weather risks including heat, floods and earthquakes, bringing innovative and climate-appropriate construction practices into the mainstream. At present, the state has RERA and Maharashtra was first state to set up MahaRERA. Now a state-level Supreme Grievance Redressal Committee will be set up to monitor quality control, mediate with developers in respect of grievances of beneficiaries, and ensure timely completion of redevelopment projects under DCPR 2034 and the MHADA Act. A self-redevelopment cell will be set up at the state level and a fund of ₹2,000 crore will be established to facilitate these projects. On redevelopment projects in the Mumbai Metropolitan Region (MMR), officers of the state housing department said that to protect the rights of flat owners, and to avoid any obstacles to the rehabilitation process, it will be mandatory for the developer to enter into a tripartite agreement with the housing society and the planning authority/ government and semi-government land owner organisation concerned. The builder would also have to pay advance rent in an ESCROW account for the protection of residents. The new policy proposes the use of central government land for slum rehabilitation projects. These can be implemented as joint ventures between the central government and the Slum Rehabilitation Authority (SRA). This new housing policy encourages the use of IT-based approaches to increase transparency, real-time monitoring and accountability in SRA projects. These digital tools will simplify processes such as beneficiary determination, project status updating, and fund management, ensure efficient implementation and reduce delays or malpractices, pointed officers. In SRA projects, the agreement between slum dwellers and the developer will be prepared on stamp paper and registered at minimum stamp duty. This will protect the legal rights of slum dwellers. Reacting to the new policy, Dominic Romell, president of CREDAI – MCHI, said, 'Various officers of the housing department including additional chief secretary Valsa Nair Singh, MHADA chief Sanjeev Jaiswal and SRA CEO Mahendra Kalyankar have worked hard on this policy. Developers must use the opportunity to make the policy a success.' Prashant Sharma, president, NAREDCO Maharashtra, remarked, 'The new policy is a commendable step in realising the vision of housing for all in Maharashtra. The government has also clearly prioritised inclusive urban development. The focus on slum rehabilitation, redevelopment, and the creation of a MahaAwas Fund will help address the housing shortage. We believe this progressive policy will provide a significant boost to real estate, create large-scale employment, and ensure dignified living for citizens across income groups.'
Time of India
20-05-2025
- Business
- Time of India
Maharashtra cabinet approves state housing policy 2025
NEW DELHI: The Maharashtra cabinet has approved the state housing policy 2025 titled 'Majhe Ghar – Majhe Adhikar' (My Home – My Rights) with an investment outlay of ₹70,000 crore. The policy aims to construct 35 lakh homes over the next five years. As part of the implementation strategy, the cabinet has cleared the formation of a ₹20,000 crore 'Maha Aawas Nidhi' at the state level to finance large-scale housing projects under the new policy framework. Prashant Sharma, president, NAREDCO Maharashtra said, "The focus on slum rehabilitation, redevelopment, and the creation of a MahaAwas Fund will be instrumental in addressing the housing shortage and improving the urban landscape. We believe this progressive policy will provide a significant boost to real estate, create large-scale employment, and ensure dignified living for citizens across income groups." Focus on redevelopment, self-redevelopment and social housing To address delays in redevelopment and quality control issues, the policy includes the formation of a state-level grievance redressal committee. The committee will mediate between stakeholders and monitor quality standards in line with redevelopment commitments. A dedicated self-redevelopment cell will also be set up to encourage cooperative housing societies to take up redevelopment independently. A ₹2,000 crore self-redevelopment fund will support such initiatives. The policy introduces a rent-to-own model where working women, students, and industrial workers can initially occupy homes on rent for up to 10 years, with the option to gain ownership thereafter. "This comprehensive plan, with strategic emphasis on rental housing for working women, students, and industrial workers, is a transformative step toward addressing the urgent need for affordable urban housing. Initiatives such as the walk-to-work model near employment hubs, supported by robust multi-modal infrastructure and last-mile connectivity, will catalyze industrial and commercial real estate, paving the way for an integrated urban development model. Over time, this will generate tremendous demand for residential real estate, including townships and cluster developments," said Niranjan Hiranandani , chairman, NAREDCO & Hiranandani Group. CSR funds will be mobilised to support social housing initiatives through public-private partnerships involving both developers and project enablers. The government will also establish a centralised digital platform — State Housing Information Portal (SHIP) — to support data-driven housing decisions and project tracking. Nishant Deshmukh, founder and managing partner, Sugee Group said, "With strategic funding and transparent implementation, this policy can unlock massive redevelopment opportunities in cities like Mumbai , while also ensuring social equity and improved quality of life."
