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5 Ways Your Home Can Increase Your Fall Risk (and How to Make It Safer)

Falling down might sound like a minor mishap, but for older adults (age 65 and up), it can be serious—or even fatal. It’s also common: More than 1 in 4 older adults report falling each year—and more than half of these falls occur at home.

In fact, the U.S. Centers for Disease Control and Prevention counted more than 2.8 million emergency department visits due to injuries from falls among older adults in 2020. (To put that into perspective, that’s more than three times as many as in the next age group down, those 55 to 64.) Falling was also responsible for more than 36,000 deaths.

The fallout from a fall could be anything from bumps and bruises to broken bones and traumatic brain injury. “Not all falls will result in an injury that sends you to the emergency room or the hospital, but about 20% of falls that happen among those aged 65 and older will result in an injury,” says Kathleen Cameron, senior director of the National Council on Aging’s Center for Health Aging.

Even the fear that you might fall can be dangerous if it prevents you from leaving your house or being active. “It’s kind of a vicious cycle, because the less that older adults engage in physical activity, the more they’re going to develop muscle weakness and balance issues, which are two of the most common risk factors for falls,” Cameron says.

To head off the falls and the fear, the first place to start is in your home. Below are five common parts of your house that can present a fall risk. Also, find out how you can make your space safer without spending too much money.

How to prevent falls in your house

Your house can be full of objects and surfaces that can put you at risk for tripping, slipping, and falling. Here are five potential hazards and what you can do to secure them.

Fall Risk #1: Rugs

While decorative, rugs can also be dangerous. To lessen your risk for tripping or sliding, add a nonslip backing or use tacks or double-sided tape to fix them to the floor. The same goes for doormats and bathroom mats.

Of course, you can also remove rugs, doormats, and bathroom mats altogether if they pose a risk—but if you have wood floors or another slippery surface underneath them, be sure to wear sneakers or slippers with traction on them when you’re walking across those surfaces to decrease your chances of slipping.

Fall Risk #2: The Bathroom

Stepping into your bathtub or shower can be hazardous. It can be slick from a recent shower, and if you must step into it, you could easily trip. Stepping out of it can be dangerous, too, when you’re wet and surfaces might be slicker.

Even the toilet can pose a risk—falls often happen if you’re unsteady when you stand up or sit down. Older adults who have high blood pressure, for example, can feel lightheaded or unsteady on their feet when standing up.

One solution is installing grab bars or handrails near the shower or toilet. “It’s amazing how grab bars have changed in the last decade or so,” says Cameron. “They’re quite decorative; they don’t look institutional and are so important for added support and safe movement in the bathroom.”

While you’re at it, add a nonslip rubber mat or even a shower chair to your tub. And if you often get up at night to go to the bathroom, an inexpensive night-light can light up your path. Some come on automatically in the dark or have built-in motion sensors for even better protection.

Fall Risk #3: Stairs

This might seem obvious, but your stairs have a lot of risk attached to them. Cameron recommends lights at both the top and bottom of stairways so you can see where you’re stepping.

Is the stairway still a little too dark? “A simple strategy is to put a strip of painter’s tape on the edge of each step,” she says. “That will mark each step along the way, which is especially helpful for people who find it hard to distinguish one step from another, which for some can blur together.” You can even buy tape that’s reflective or has a glow-in-the-dark strip.

Also, take a look at your banisters on indoor and outdoor steps. They can’t help you climb stairs safely if they’re missing, loose, or hard to grab on to. Cameron recommends having properly installed handrails on both sides of a stairway.

Fall Risk #4: Clutter

Those old magazines you keep meaning to read. The shoes you left by the door. Those big boxes you walk around in the garage or laundry room. All that clutter represents a tripping hazard.

When you reduce clutter, you reduce risk. Move anything that gets in your way, especially in the areas where you walk most often, like the path from room to room.

Fall Risk #5: Stepladders

Getting up a ladder to clean out the gutters is obviously dangerous. But even the small stepladder you use to reach the top shelf in the pantry or kitchen can pose a risk.

Rearrange your kitchen, bathroom, and linen closet so that way the things you need to reach every day are at waist level. And ask for help when you need help with something that’s up high, such as taking down seasonal decorations or changing a light bulb in a ceiling fixture.

If you’re determined to do tasks yourself, make sure your stepladder has wide steps so you can plant your entire foot. The ladder should also have grippy surfaces on the steps and a grab bar. Be sure to place the ladder on a flat, level service. But don’t ever hesitate to ask for help. It’s better to be safe than sorry.

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Bonus Fall Risk: You!

Falling isn’t an automatic part of getting older, but ,your risk of falling can be increased by things like reduced physical activity, poorer vision, chronic illnesses, and the medications you might rely on.

For example, over-the-counter medications like Benadryl or Tylenol PM contain diphenhydramine. Dizziness and drowsiness are common side effects.

“[These medications] are something that those of us who work in aging do not recommend at all, yet many older adults pick them up over the counter,” Cameron says. “Or their family members might pick them up because sleep issues are common among seniors.”

Sitting around a lot is also a solvable problem. Cameron recommends a training program like A Matter of Balance, which is offered at senior centers and many other places across the country. Yoga and tai chi are other options that can help strengthen your core and stability.

“Tai chi, which has been around for thousands of years, has been well studied,” Cameron says. “It’s shown to reduce falls by as much as 55% if practiced over 24 weeks.”

If you’re an older adult, or anyone who’s at risk of falling, now’s the time to spruce up your home. Prevent falls with a few changes that keeps the danger zones at a minimum.

Looking for health insurance? Start by calling a licensed Antares agent at (833) 910-3176 or visiting antaresins.com to learn more about what insurance options might fit you.

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Questions to ask your doctor and other ways to make the most of your visit

Whether you’re seeing your primary care provider or a specialist, your appointment is the time and place to ask questions and address your concerns. Here are a few ways to make sure you get what you need out of your next medical appointment.

Write down questions to ask your doctor

Even though you often wait to see your doctor, they don’t always have a lot of time to spend with you. “It’s kind of notorious now that you get 15 minutes with your provider. They don’t have much time, so maximize it by preparing ahead,” suggests Caitlin Donovan, senior director of public relations at the National Patient Advocate Foundation.

One way to do that is to consider what is most important to you and write it down. “It’s a good idea before any doctor’s appointment to sit down for 5 minutes and make a quick list of what you want to accomplish, the top things that are bothering you, or your goals for the appointment,” says Donovan.

When your doctor walks in, be prepared. Bring up your top questions or concerns first. That way they know what’s most important to you. If you wait until the doctor is leaving the room to bring up a major concern, they might not realize that it’s important to you. That means they might not give as detailed an answer as you were hoping for.

Instead, before your doctor leaves the room, confirm what they said about your top concerns. For example, “I heard you say this. Is that correct?” If you’re not sure what to ask, here is a printable checklist of questions that can help you get started.

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Catalog your top concerns and symptoms

Let’s say you’ve been having regular stomachaches. Make sure you write down your current symptoms and concerns, in addition to your list of general questions for your doctor. “If you’re worried about something going on and you’re noticing symptoms, write them down and how they affect your daily life,” says Donovan.

So next time you have a stomachache, document it and note your symptoms.

  • What time is it?
  • What were you doing before the pain started?
  • How long does it last?
  • Does anything make it feel better?

It can also be helpful to bring any medications, vitamins, and supplements you’re taking to your appointment. Just gather up the bottles in a bag. That way if your doctor asks about dosages or needs to look for possible interactions, you’re ready.

One way to help you afford a regular annual health exam is by having a health insurance plan for your needs. Call a licensed insurance agent at (818) 8057113, or find plans online, to see what’s available in your area.

Make sure you understand your diagnosis

It can be scary when your doctor finds a health concern and either gives you a diagnosis or refers you to a specialist for further testing. In that moment, it’s a good idea to ask as many questions as possible. Or you might not know what questions to ask right away, and that’s all right too.

“When you receive a diagnosis, your mind can go blank a little bit, and maybe you can’t think of any questions to ask,” Donovan says. In that situation, a good question might be: “How can I contact you with follow-up questions?” Find out if your doctor prefers calls, emails, or additional appointments. Then, go home and take your time writing a list of questions.

You might ask:

  • Now that I’ve been diagnosed, what are my next steps?
  • What tests are necessary? Are there risks involved?
  • How will the results impact my treatment plan?
  • How will this diagnosis impact my life?
  • Are there lifestyle changes I can make?
  • Are there generic medications available to treat what I have?
  • What are this medication’s side effects?
  • What will happen to me if I don’t get treatment?

It might also be helpful to ask your doctor to write down the name of the condition, particularly if it’s unfamiliar to you.

Know that your opinion matters

Just because you don’t have a medical degree doesn’t mean your opinion doesn’t matter. And one big factor in feeling heard at your next checkup is working with a doctor who is a good fit for you.

But guess what: Not every doctor will be the right fit for you. The goal is to find one who actively listens to you, respects your time, and answers your questions. Above all, you need to feel comfortable talking about personal matters with this person and taking their advice. Your health depends on it.

“You and your physician are a team,” says Donovan. “Recognize that you are an expert in your own body and your own experience and that’s what you bring to the team. And what the physician brings is years of medical expertise.”

Find a health plan with a network that includes doctors you want to work with. Call a licensed insurance agent at (818) 8057113 to learn about what plans might be available to you. Or, compare plans online.

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How to eat 5 cups of daily fruits & vegetables—and why you should

If your brain automatically jumps to “5 a day” when you’re thinking about how many fruits and veggies you should eat, you’re not alone. Dietary guidelines say adults should have 1.5-2 cups of fruits and 2-3 cups of vegetables daily, totally 5 cups a day. That’s a tall order, but it’s achievable. Read on to find out more about why—and how—you should shoot for 5 cups of produce each day.

Here’s why you should eat more daily fruits and vegetables

Eating your 5-a-day helps provide your body with vitamins, minerals, fiber, and other nutrients. These all work together to support a health immune system and prevent many diseases and ailments. In fact, eating well can help prevent obesity, type 2 diabetes, cardiovascular diseases, and some cancers. Not to mention: a healthy diet can help you maintain a healthy gut and digestive system.

In addition to helping you stay healthy, a diet with lots of fruits and vegetables can help make it easier to maintain a healthy weight. That’s because they are often low in fat and calories (as long as you aren’t regularly frying, battering, or cooking them in lots of oils).

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What counts towards daily fruits and vegetables?

Fresh, dried, canned or frozen: it all counts towards your daily portions. Juice and smoothies only count as 1 of your total portions, though, because sugars are released when fruits are blended or juiced. You also can lose some of the fiber if pulp is separated out.

Eating more fruits

Eating enough fruit in a day (1.5 – 2 servings) doesn’t mean you have to have a banana or apple everyday for breakfast. Try varying your fruits, and preparation, to get to your daily dose.

Each of these counts as 1 portion of fruit you need per day:

  • 2 kiwis
  • 7 strawberries
  • 1 apple
  • ½ grapefruit
  • 1 slice of melon
  • 2 slices of mango
  • 1 heaped tablespoon of raisins
  • 2 dried figs
  • 1 handful or dried bananas
  • 2 canned peach halves
  • 2 handfuls of frozen blueberries

Vegetables

If you don’t like salads and cauliflower, don’t worry. There are a lot of options when it comes to getting your daily dose of vegetables (2-3 cups).

Each of these options count as 1 portion of vegetable you need per day:

  • 2 broccoli spears
  • 4 heaped tablespoons of spring greens
  • 3 heaped tablespoons of cooked, canned, or frozen carrots, peas, or corn
  • 3 celery sticks
  • 1 medium tomato
  • 3 heaped tablespoons of kidney beans or chickpeas

These are tasty, but don’t count towards your 5-a-day

Potatoes, yams, cassava, and plantain are delicious sides and can be cooked in a variety of ways. Unfortunately, they are considered “starchy foods” and don’t count towards your daily servings of fruit and vegetables.

While they don’t count towards your fruits and vegetables, they can count towards your diet in the “starchy” category. Think breads, pastas, or rice.

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How can you guard against this common liver disease that has no symptoms?

If you put your hand on your chest, you can feel your heart beat and your lungs fill with air. Your stomach growls when you’re hungry.

But the biggest organ in your body — your liver — usually goes unnoticed. And your liver is essential for keeping you healthy. For example, your liver helps with digestion and cleaning toxins from your blood. Some harmful toxins are unavoidable in your day-to-day life. But your liver helps keep you safe.

Sometimes, however, your liver may not work the way it’s supposed to. That can lead to certain diseases of the liver. Experts estimate that one liver disease in particular, nonalcoholic fatty liver disease (NAFLD), affects nearly a quarter of American adults.

Here’s the scary part: NAFLD usually has no symptoms, and it can lead to some serious complications if left untreated.

What is NAFLD, how do you know if you have it, and how can it be treated? Find out below.

A comprehensive health plan helps you take care of your whole body. Call a licensed insurance agent at (818) 8057113 or explore antaresins.com for more information about available health insurance policies.

What is NAFLD?

NAFLD happens when fat builds up in your liver. Sometimes, this fat can lead to scarring and other damage to your liver. As the name implies, this fat buildup is not related to heavy alcohol use. (Since one of your liver’s jobs is to break down alcohol, heavy drinking can lead to fat buildup and damage.) While alcoholic liver diseases usually only happen to heavy drinkers, NAFLD can happen to anyone.

There are 2 types of NAFLD: nonalcoholic fatty liver (NAFL) and nonalcoholic steatohepatitis (NASH). Most people with NAFLD have NAFL. About 25% to 30% have NASH.

NAFL means that you have fat in your liver, but it’s not causing inflammation or other damage. NAFL doesn’t usually lead to more serious liver problems. But people with NAFL may have a higher risk of other diseases, such as:

  • Heart disease
  • High blood pressure
  • High cholesterol
  • Type 2 diabetes

NASH is more serious. It causes inflammation and damage that could lead to scarring of the liver. That could develop into cirrhosis, which is permanent, and cause even more severe scarring of the liver. That makes it harder for your liver to work well and keep you healthy. The damage caused by NASH is similar to the damage caused by heavy alcohol use. NASH can also lead to liver cancer.

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What causes NAFLD, and who’s at risk?

NAFLD occurs on a spectrum from simple steatosis (fat in the liver) to end-stage liver disease. Experts aren’t exactly sure why some people get liver damage from NAFLD and others don’t.

“NAFLD is commonly associated with metabolic factors such as obesity, diabetes, high blood pressure, polycystic ovary syndrome, and high cholesterol,” says Nancy Reau, M.D. She’s the chief of hepatology at Rush University Medical Center in Chicago.

If you have any of the following conditions, you may also be at higher risk of developing NAFLD:

  • Overweight or obesity. Research suggests that up to 75% of people who are overweight have NAFLD. And more than 90% of people with severe obesity may have it.
  • Type 2 diabetes. It’s estimated that one-third to two-thirds of people with diabetes also have NAFLD.
  • Metabolic syndrome. This is defined as having 3 or more of the following symptoms:
    • High blood pressure
    • High blood lipids
    • Higher than normal blood sugar or type 2 diabetes
    • Large waist size
    • Low HDL cholesterol

NAFLD can develop at any age. But it’s more common as you get older. It can affect people of any race or ethnicity, but it’s most common in Hispanics. Genetics may explain why it’s more or less common in different racial and ethnic groups.

Some other potential causes of fatty liver disease include:

  • Certain genetic disorders
  • Exposure to some toxins
  • Some medications, such as corticosteroids (a type of steroid often used to treat inflammation), HIV treatments, estrogen, and others

How do you know if you have NAFLD?

NAFLD has few or no symptoms, so it’s hard to know if you have it. The most common symptoms are fatigue or pain in the upper right side of the abdomen.

Your doctor can check your risk of NAFLD based on your medical history. They may ask you about things such as:

  • How often and how much you drink
  • How physically active you are
  • What medications you’re taking
  • What you typically eat (some researchers think a high sugar diet could lead to fatty liver disease)

If your doctor thinks you’re at risk, they may do more screening tests, such as:

  • Blood work. Your doctor may order a specific liver-function blood test.
  • Imaging tests. Things like ultrasounds can detect fat or scarring on the liver.
  • Physical exam. Your doctor will look for physical signs of liver disease, such as an enlarged liver or yellowed skin.

Good health care starts with a good health insurance plan. A licensed insurance agent can help. Call one today at (818) 8057113 or explore antaresins.com for more information.

How is NAFLD treated?

Unfortunately, your doctor can’t yet prescribe a medication to treat NAFLD. But there may be medicines for it available in the future.

“There are several medications in development, though none are yet approved,” Dr. Reau says.

Weight loss is typically the first way to treat NAFLD. Even losing just 3% to 5% of your body weight can help lower the level of fat in your liver. That’s just 6 to 10 pounds for a 200-pound person. Physical activity can help, too, even if it doesn’t lead to weight loss.

How can you help head off NAFLD?

Since NAFLD often goes hand in hand with being overweight or obese, maintaining a healthy weight is one of the best ways to lower your risk. Other steps you can take to lower your risk include:

  • Exercise regularly.
  • Keep blood sugar and cholesterol at healthy levels. You can keep an eye on those numbers with regular checkups from your doctor.
  • Limit added sugars in your diet. Cutting back on sugary drinks, such as soda and sweet tea, is often a good place to start.
  • Watch your fat intake. Focus on eating foods with healthy fats, such as avocado, nuts and seeds, and olive oil. Cut back on saturated fats, which are often found in animal foods such as beef, processed meats, and full-fat dairy.

If you’re worried about your risk of NAFLD, ask your doctor about it at your next checkup.

While it is common, it doesn’t always lead to serious problems. And it can be treated and even reversed with weight loss and a healthier lifestyle.

Having a health insurance plan can make preventive care easier to find. Get a plan that’s right for you by calling a licensed insurance agent at (818) 8057113 or searching antaresins.com for more information.

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Why swimming has big benefits for seniors and women

Not only can swimming be fun and rewarding, it’s also an incredible aerobic and all-over-body exercise. Because of the resistance and support water-based exercises provide, swimming is accessible to people of various ages and physical ability. Keep reading to learn more about the benefits of swimming for seniors and women.

Benefits of swimming for seniors

Swimming and other water-exercise is appropriate for people at any level of fitness. The resistance and support of water-based exercises make them an appealing option for seniors. Plus, there no risk of falling in water. Here are some of the many reasons seniors may benefit from swimming.

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Helps improve health outcomes

Regular aerobic exercise, like swimming, can help:

  • Improve muscle weakness and balance
  • Decrease the risk of chronic illness
  • Lead to improved health outcomes for those with diabetes and heart disease
  • Help decrease disability in older adults
  • Reduce the risk or Alzheimer’s and dementia

Easy on the joints and those with arthritis

Swimming and other water-based exercise can help improve the strength of affected joints without making symptoms worse. Because of the buoyancy of water, swimming doesn’t add extra strain or weight to the joints when exercising. In fact, it can decrease the level of weight-bearing stress on the joints.

Benefits of swimming for women

Swimming has a few benefits that are specific to improving women’s health, too.

Helps improve bone health

Women who begin swimming more regularly can help improve or maintain their bone health after menopause. For those experiencing or at risk of osteoporosis, swimming could be a positive addition to a regular exercise routine.

May help sugar regulation

Swimming has also been found to help women regulate their blood sugar. Swimming several times a week has been found to help women improve their glucose control and insulin sensitivity. And women don’t have to swim for hours at a time to see these results. High-intensity, intermittent swims had better results than long swims at low-intensity.

Is it time to get a new swimsuit?

Before you buy a new swimsuit and jump into the pool, make sure to talk with your doctor about making changes to your exercise routine. Working out in a healthy way is always better than overexerting your body, especially when pools of water are involved. Above all, have fun and be safe!

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Help maintain your health with regular physical exams

Did you know you’re supposed to see your doctor even when you’re healthy?

Through regular checkups, your doctor can learn about your personal and family medical history, screen for potential or ongoing medical issues, and even help you determine your risk for future health problems. Establishing a relationship with a regular physician also makes it easier for them to notice changes in your health.

But how often should you go, and what should you expect out of a visit?

How often should you see your doctor?

How often you visit your doctor depends on your health and medical history. Try starting with an annual exam. If you have known conditions, or a lifestyle that may not positively impact your health, your doctor may want to see you more often.

When you plan your annual exam, remember that all Affordable Care Act (ACA) health insurance plans cover a number of services each year. These are covered without charging a copayment or coinsurance, even if you have a deductible, and include things like:

  • Blood pressure screenings
  • Cholesterol screenings
  • Diabetes (Type 2) screenings
  • Obesity screenings and counseling
  • Immunizations

This is not the entire detailed list of covered services or services your doctor may want to utilize. Please check your plan details to find an exhaustive list. You can also discuss your coverage and expected costs with the doctor’s office before scheduling an exam.

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What exams or services are recommended during my annual exam?

Your doctor may have specific plans for your exam, but there are a few general screenings and services that the National Library of Medicine recommends. For adults, those include:

  • Physical exam (including your height, weight, BMI, and a skin exam)
  • Blood pressure screening
  • Cholesterol screening
  • Diabetes screening
  • Infectious disease screening (e.g., chlamydia, gonorrhea, hepatitis C and HIV)
  • Colorectal cancer screening (after the age of 45 unless there is a strong family history)
  • Lung cancer screening (after the age of 50 if there is a history of smoking)
  • Bone density screening (after the age of 40 for women and 50 for men)
  • Immunizations

For women, other recommended screenings include:

  • Cervical cancer (starting at 21)
  • Breast cancer (after the age of 40)

For men, other recommended screenings include:

  • Testicular exam
  • Prostate cancer screening (after the age of 55)

Ready to schedule your next annual physical exam?

Already have a regular doctor? Keeping an eye on your health, and helping your doctor identify health problems early, is only one call away. But if the cost of regular doctor visits is keeping you away, consider enrolling in a health insurance policy.

A licensed health insurance agent can help you find a plan that meets your coverage needs and budget. Their help won’t make your plan more expensive, and their services come at no cost to you. Call today at (818) 8057113 or find a licensed health insurance agent near you.

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What are the benefits of healthy eating?

If eating healthy was as easy as grabbing a quick bag of chips, we’d all do it. Even if it’s hard to start, the benefits of eating healthy can follow us for years to come. Not only that, setting up healthy habits in the home can be beneficial for your family too. Keep reading to learn about the benefits healthy eating can have on your body, plus a good way to make long-term changes.

What are the benefits of healthy eating for adults?

Healthy eating isn’t the same as dieting to lose weight. When you eat healthy food, you are helping your body:

  • Live longer
  • Maintain skin, teeth, and eye health
  • Support muscles
  • Boost the immune system
  • Strengthen bones
  • Decrease the risk of heart disease, type 2 diabetes, and some cancers
  • Support a healthy pregnancy or breastfeeding journey
  • Aid digestion function
  • Meet and keep a healthy weight

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What are the benefits of health eating for children?

Children can also benefit greatly from a healthy diet. When kids eat health food, they are helping their bodies:

  • Maintain skin, teeth, and eye health
  • Support muscles
  • Meet and keep a healthy weight
  • Strengthen bones
  • Support brain development
  • Support growth
  • Boost the immune system
  • Aid digestion function

What does healthy eating look like?

The USDA recommends nutrient-dense foods and drinks that stay within reasonable calorie limits. These include:

  • Vegetables of every variety: green, red, orange, starchy or leafy; they all count
  • Fruits: whole fruits are especially recommended
  • Grains: try to make half a whole grain
  • Dairy: fat-free or low-fat milk, yogurt, cheeses, and even lactose-free, fortified soy, and yogurt alternatives count
  • Protein: lean meat, poultry, eggs, seafood, beans, nuts, and soy products can all count as a healthy protein source
  • Oil: vegetable oils and those in seafood and nuts are also part of a healthy diet

Remember that these foods should also reflect your personal preferences and health requirements, your cultural foods, and your budget. If eating certain food groups is not good for you, don’t worry. There is no one way to be eating a healthy diet.

Try to avoid overindulging in added sugars, saturated fats, sodium, and alcohol. A limited amount of these food categories is okay, but too much is not good for your body

How making eating healthier a long-term change

Eating well isn’t just a “diet” that’s here today and gone tomorrow. Instead, consider it a change in lifestyle that will positively affect you and your family for years to come. The Centers for Disease Control and Prevention recommend a 3-part approach to making changes: reflect, replace, and reinforce.

Reflect

Look at your current eating habits. Not everything you’re doing now is bad, but there is a reason you’re trying to improve. Consider why you’re eating or drinking in unhealthy ways, what those are, and if there is anything that makes you reach for those things. Knowing why you’re eating or drinking poorly may help you break those habits.

Replace

Try replacing your unhealthy eating habits with good ones. If you’re eating too fast, trying actively eating more slowly. If you’re eating emotionally or out of boredom, try to find something to feel better or occupy your time outside of the kitchen, like calling a friend or starting a new hobby. And if eating unhealthy food is your hardest habit, try replacing your snacks and planning healthy and balanced food ahead of snack and mealtimes.

Reinforce

Remember that every change doesn’t have to happen at once. You may even find yourself falling back to bad habits. It takes time to replace our bad habits, and too much change too soon can be overwhelming.

Don’t beat yourself up if you fall back into a bad habit. Reflect on why that habit resurfaced and how you can return to a healthy replacement.

Don’t forget to check in with your doctor

Anytime you plan major changes to your lifestyle or diet, be sure to contact your regular physician. They may want to address any medical conditions specifically or help you regulate your diet in a clinical way.

You can also reach out to a registered dietitian. They can help you ensure your new eating habits are appropriate and will help you improve your health.

You can start today

Whatever your age, you can start making positive lifestyle changes today. Eating well can help you stay healthy and independent — and look and feel good — in the years to come.

Want to start improving your overall health too? A health insurance plan may help you pay for regular doctor visits and could cover preventive health screenings, prescription medications, and more. Contact a licensed insurance agent at (818) 8057113 today to get started, or explore your coverage options online today.

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Caffeine Addiction: 7 Healthy Ways to Curb the Craving

Ready to beat your caffeine addiction?

If you’re used to starting the day with a cup of coffee, energy drink, tea or supplements loaded with caffeine, you’re not alone. 

An estimated 80% of adults in the U.S. drink caffeine every day.1 Caffeine may offer a quick pick-me-up. Caffeine has some downsides, too.

Ready to beat your caffeine addiction, or at least curb the cravings to improve your health? 

In this article, you’ll learn more about the downside of caffeine and what you can do to beat caffeine addiction. 

What is caffeine?

It’s a stimulant naturally found in coffee beans, cacao‌ and guarana. It’s also added to drinks and nutrition supplements.2

The most common sources of caffeine include:

  • Coffee drinks
  • Sodas and energy drinks
  • Tea
  • Chocolate
  • Guarana-based products
  • Supplements 

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How much caffeine is safe to take in? 

The U.S. Food and Drug Administration says most adults can safely consume up to 400mg of caffeine per day from all sources (drinks, food, supplements).3

Wondering how much caffeine you consume in a day? 

Here’s how much caffeine is found in common drinks and supplements:3

  • Coffee. An 8-ounce cup of coffee has 95–200 mg of caffeine
  • Soda. A 12-ounce can of soda has 35–45 mg of caffeine
  • Energy drink. An 8-ounce energy drink has 70–100 mg of caffeine
  • Tea: An 8-ounce cup of tea has 14–60 mg of caffeine
  • Chocolate: A 1-ounce piece of dark chocolate has about 20 mg of caffeine7
  • Weight-loss supplements. Many weight-loss supplements contain caffeine, but the amount varies from 1–300 mg or more.
  • Caffeine tablets typically contain 100–200 mg of caffeine8

What happens when you consume caffeine?

Everybody knows a shot of caffeine can be a quick way to boost energy and stay awake. But what’s really happening when you consume caffeine? There’s some short-term benefits, along with some less-than-healthy side effects: 

Short-term benefits of caffeine

When you drink a cup of coffee, gulp down an energy drink‌ or take a supplement with caffeine, the short-term benefits are what keep most people coming back for more. 

Consuming caffeine in small amounts can:4

  • Increase alertness
  • Reduce fatigue
  • Improve reaction times
  • Decrease appetite and support weight management
  • Improve mood and decrease depression 

Consuming too much caffeine can have negative effects on your health, too.

This can include:4 

  • Increased anxiety
  • Trouble sleeping
  • Elevated blood pressure
  • Consuming high amounts of caffeine can even be fatal
  • For pregnant women, consuming more than 200mg of caffeine per day can increase the risk for low-birth weight and other problems during pregnancy.
  • In some cases, caffeine consumption can also contribute to nervousness, dehydration, and stomach discomfort.9

Here’s what caffeine withdrawal looks like:

If you’ve been used to a daily dose of caffeine, your body and your brain start to expect it. Remember, it’s an addictive stimulant. 

And if you call it quits on caffeine without a gradual reduction, there’s a good chance you’ll go through withdrawal symptoms such as:2

  • Irritability
  • Headaches
  • Depression
  • Fatigue

Fortunately, caffeine withdrawal symptoms are typically strongest the first few days after quitting. If you can make it through a week without caffeine, withdrawal symptoms typically subside. 

7 Healthy Ways to Curb a Caffeine Addiction 

Wondering how to curb your caffeine addiction to protect your health without major withdrawals?

Here are 7 healthy ways to curb caffeine cravings.5

1. Track your caffeine consumption

Before you make any changes to the amount of caffeine you’re consuming, keep track of how much you’re consuming. 

  • Remember, the U.S. Food and Drug Administration recommends limiting caffeine consumption to‌ or less than 400 mg per day.
  • Once you know what your caffeine intake looks like, you can create a plan to make some changes.

2. Check food labels for caffeine content

Not sure how much caffeine is in your coffee, energy drink, chocolate, or supplements? 

  • Read the food label. Many products made with caffeine include the amount of caffeine it contains in milligrams.
  • Can’t find it on the label? Chances are pretty good you can look up the caffeine content in drinks and products online, too. 

3. Cut back slowly

If you want to lessen withdrawal symptoms associated with cutting back on caffeine, make your exit gradually.

For example: 

  • Drink one less cup of coffee per day.
  • Instead of an energy drink with high levels of caffeine, switch to a soda with less caffeine.
  • Or only drink half an energy drink or soda.

4. Drink more water

Before you gulp down a cup of coffee, energy drink, soda or other caffeine sources, make sure you’re drinking enough water. 

  • For most adults, that’s around 64+ ounces of water per day.
  • You may need more water if you exercise a lot, have a physically-demanding job, work in hot weather or live in a hot climate
  • Instead of supporting hydration, caffeine has the opposite effect of drinking water and increases dehydration and urination.

5. Get your Zzzs

A lot of people reach for caffeinated drinks and supplements to combat tiredness and fatigue. But it’s really just a temporary fix if you’re not getting enough sleep. 

Instead of relying on caffeine to get you through the day, get enough sleep.

Here’s how:10 

  • Aim for 7 to 9 hours of sleep per night.
  • Create a bedtime routine
  • Turn of all electronics and screens about an hour before bed
  • Stay away from caffeine late in the afternoon or evening
  • Go to bed at the same time every night, even on weekends.

6. Be more active

One recent study found that just 20 minutes of exercise has the same effect on mood, focus and memory as a cup of coffee.6 

  • Start your day with 20 to 30 minutes of exercise.
  • Or if you’re feeling tired, take a walk instead of gulping down a caffeinated drink. 

7. Eat healthy foods

Skipping meals or eating sugary sweets and snacks can cause rapid changes in blood sugar levels.6 This can impact mood and energy levels.

Caffeine might be a quick fix, but there’s a better way:11 

  • Eat more nutrient-dense foods like fruits, vegetables, whole grains, nuts, seeds‌ and legumes
  • Whole and fresh foods take longer to digest and help regulate blood sugar levels better than sugary snacks and refined carbohydrates. 

Ready to curb caffeine cravings and improve your health? 

Cut back on caffeine gradually, and adopt these healthy lifestyle habits. You’ll feel better, have more energy‌ and be healthier.

Uninsured? We can help.

Antibiotics

Are antibiotics overused? The drug-resistant superbug challenge

Are antibiotics overused? 

Antibiotics are often used to treat the common cold, flu or certain types of infections. But they don’t always work. Frustrating, right?

When you’re not feeling well or think you have an infection, you want to clear up the problem as soon as possible, right?

So you visit the doctor.

“What’s going on?” your doctor asks. 

  • There’s a series of exams: Heart rate, temperature, blood pressure, breathing, vision, etc.
  • You describe your symptoms
  • Based on the results, your doctor may order additional tests to find out if you have a virus or bacterial infection that can be treated with antibiotics. 

It happens a lot. Did you know an estimated 211 million prescriptions for antibiotics are written every year?1 

Ever wonder how prescribing antibiotics works, when you should take them, and what to be aware of?

In this article you’ll learn about: 

  • What antibiotics are typically prescribed for
  • Strains of bacteria resistant to antibiotics called superbugs
  • What happens when you take antibiotics for a viral infection
  • Antibiotics and how to slow the spread of drug-resistant bacteria
  • The evolution of a superbug from minor issue to public health problem
  • The trouble with prescribing antibiotics
  • 5 steps to block harmful bacteria

What antibiotics are typically prescribed for 

Antibiotics are among the most commonly prescribed drugs for people. They’re also given to animals to prevent disease and promote growth. Antibiotics are effective against bacterial infections, such as:2 

  • Strep throat
  • Whooping cough
  • Urinary tract infections
  • Sepsis
  • And many other types of bacterial infections 

But these drugs don’t work at all against viruses, such as those that cause colds or flu.

Not sure which plan is best for you?

Speak to a licensed insurance agent

Superbugs: Strains of bacteria resistant to antibiotics

Superbugs are strains of bacteria that are resistant to several types of antibiotics. Drug-resistant forms of tuberculosis, gonorrhea, and staph infections are just a few of the dangers we now face.3 

  • Drug-resistant bacteria by the numbers. Each year these drug-resistant bacteria infect more than 2.8 million people nationwide and kill at least 35,000.4

What happens when you take antibiotics for a viral infection

Unfortunately, antibiotics prescribed to people and to animals can end up being unnecessary. And the overuse and misuse of antibiotics helps to create drug-resistant bacteria. 

Here’s how that might happen… 

  • When used properly, antibiotics can help destroy disease-causing bacteria.
  • But if you take an antibiotic when you have a viral infection like the flu, the drug won’t affect the viruses making you sick.
  • Instead, it’ll destroy a wide variety of bacteria in your body, including some of the “good” bacteria that help you digest food, fight infection, and stay healthy.

And that’s a problem. Bacteria that are tough enough to survive the drug will have a chance to grow and quickly multiply.5

Here’s what happens next:

  • Strain spreads. These drug-resistant strains may even spread to other people.
  • Drug-resistance increases. Over time, if more and more people take antibiotics when not necessary, drug-resistant bacteria can continue to thrive and spread.
  • Bacteria share traits. They may even share their drug-resistant traits with other bacteria.
  • Drugs may become less effective or not work at all against certain disease-causing bacteria. 

Bacterial infections that were treatable for decades are no longer responding to antibiotics, even the newer ones, according to a recent study.4

Scientists have been trying to keep ahead of newly emerging drug-resistant bacteria by developing new drugs, but the rise of superbugs keeps growing.

Antibiotics & how to slow the spread of drug-resistant bacteria

You can help slow the spread of drug-resistant bacteria by taking antibiotics properly and only when needed. Don’t insist on an antibiotic if your healthcare provider advises otherwise.

  • For example, many parents expect doctors to prescribe antibiotics for a child’s ear infection. But experts recommend delaying for a time in certain situations, as many ear infections get better without antibiotics.6

To reduce the spread of drug-resistant bacteria, health experts recommend only prescribing antibiotics when necessary.

The evolution of a superbug from minor issue to public health problem

In the past, some of the most dangerous superbugs have been confined to health care settings. Why? People who are sick or in a weakened state are more susceptible to picking up infections.

But superbug infections aren’t limited to hospitals. Some strains are out in the community and anyone, even healthy people, can become infected.

 One common superbug increasingly seen outside hospitals is methicillin-resistant Staphylococcus aureus (MRSA).7

  • These bacteria don’t respond to methicillin and related antibiotics.
  • MRSA can cause skin infections and, in more serious cases, pneumonia or bloodstream infections.
  • A MRSA skin infection can appear as one or more pimples or boils that are swollen, painful, or hot to the touch.
  • The infection can spread through even a tiny cut or scrape that comes into contact with these bacteria.

Many people recover from MRSA infections, but some cases can be life-threatening. During the last seven years, an estimated 323,700 MRSA cases have been reported, and 10,600 have died from the drug-resistant bacteria.8

The trouble with prescribing antibiotics

When antibiotics are needed, doctors usually prescribe a mild one before trying something more aggressive like vancomycin or metronidazole.9

  • Such newer antibiotics can be more toxic and more expensive than older ones.
  • Eventually, bacteria will develop resistance to even the new drugs.
  • In recent years, some superbugs, such as vancomycin-resistant Enterococci bacteria, remain unaffected by even this antibiotic of last resort.

Antibiotics have been an effective way to treat bacterial infections for decades. However, the number of drug-resistant antibiotics keeps growing because of the over-prescribing of antibiotics.

In fact, an estimated 30 percent of antibiotics prescribed are unnecessary (meaning that no antibiotic was needed at all) according to the Centers for Disease Control and Prevention.8

 5 steps to block harmful bacteria

Wonder how you can reduce your need for antibiotics and avoid a bacterial infection? Here are 5 things you can do:10

  1. Wash your hands often with soap and water, or use an alcohol-based hand sanitizer.
  2. Avoid sharing personal care items like towels, toothbrushes or razors.
  3. If you’re sick, make sure your doctor has a clear understanding of your symptoms. Discuss whether an antibiotic or a different type of treatment is appropriate for your illness.
  4. If antibiotics are needed, take the full course exactly as directed. Don’t save the medicine for a future illness, and don’t share with others.
  5. Maintain a healthy lifestyle—including proper diet, exercise, and good hygiene—to help prevent illness, thereby helping to prevent the overuse or misuse of medications.

Are antibiotics overused?

While they’re still an effective way to treat many bacterial infections, the rise in drug-resistant bacteria is making it harder for antibiotics to treat an infection.

Only taking antibiotics when necessary, avoiding bacterial infections with a healthy lifestyle and habits, and taking your full course of medication when it is needed can help reduce the overuse.

Uninsured? We can help.

Medicare_1338456511

The Benefits of Medicare Advantage

When you turn 65, you’ll most likely begin getting health coverage through a government program called Medicare. That includes Medicare Part A (hospital benefits) and Medicare Part B (medical insurance benefits). You might see that combination called Original Medicare. You’ll have to pay extra for a prescription drug plan (Medicare Part D), and you won’t be covered for dental, vision, or hearing, in most cases.

Some good news: You have options. For instance, you can reap the benefits of Medicare Advantage, also called Medicare Part C, which offers similar health benefits to Original Medicare. However, it is offered through a private insurance company, and Medicare Advantage plans may offer additional benefits such as dental, vision, and hearing coverage.

When Antares licensed insurance agent, Jon Jacobi first opened his Omaha, Nebraska, agency 16 years ago, most of his older adult clients chose Original Medicare with a Medicare Supplement Insurance plan. But he’s noticed a big shift since then. He says that about two-thirds of clients now choose a Medicare Advantage plan. “Medicare Advantage is now the preferred choice,” says Jacobi. “That doesn’t mean it’s the right one for everyone, but if you haven’t reviewed the benefits lately, you may want to look again.”

Answering the following questions can help you determine whether Medicare Advantage may be the right choice for you.

Do you have questions and want help understanding Medicare? Call a licensed insurance agent at (818) 8057113.

1. Do I need prescription drug coverage, and can I get that benefit through Medicare Advantage?

If you take prescription medications, Medicare Advantage plans may be a more cost-effective choice than Original Medicare, says Jacobi. Medicare Parts A and B do not cover prescription drugs. In order to do that, you’ll need to pay for a stand-alone plan called Medicare Part D, which covers prescription drugs.

Some good news: Most Medicare Advantage plans can also include Part D coverage.

Medicare Part D premiums vary by plan. If you have a lower income and need drug coverage, Part D may still be the way to go, Jacobi says. You can also call a licensed insurance agent at (818) 8057113 to discuss your coverage questions.

Not sure which plan is best for you?

Speak to a licensed insurance agent

2. Do I want vision, hearing, dental, or wellness plan services?

If you want additional benefits, like vision, hearing, dental, or gym memberships, you may want to consider Medicare Advantage. (Original Medicare doesn’t offer those optional benefits.) “With Medicare Advantage, there’s a whole gamut of value-added benefits, so you’ll be seeing additional savings as these wellness services add up,” he says. Additional benefits can include:

  • Acupuncture
  • Chiropractic services
  • Dental, vision, and hearing (hearing aids)
  • Gym memberships
  • Transportation

And that’s just the tip of the iceberg.

Alternatively, you can add more coverage to your Original Medicare plan instead of having a single Medicare Advantage plan. For example:

  • You can add Part D for prescription drug coverage.
  • And if you want a vision, dental, and hearing coverage, you can purchase supplemental plans.
  • You can also choose Medigap (aka Medicare Supplement Insurance), which helps pay for things like deductibles, copayments and coinsurance.

3. Do I want a cap on out-of-pocket expenditures?

Original Medicare doesn’t have an out-of-pocket spending maximum. That means your copayments or coinsurance can continue to add up with no limit. However, a Medicare Advantage plan does have an out-of-pocket spending cap. For 2022, the out-of-pocket limit for these plans is $7,550.

“If you are a low to moderate utilizer of health care, Medicare Advantage is an attractive choice,” says Jacobi. “But if you are a high utilizer of health care, Original Medicare with [Medigap] may be the better option.”

4. Do I get good network coverage?

If you go with Original Medicare, Medigap may be a convenient choice because you won’t have to use certain health care networks or get referrals for specialists. Plus, there’s no service-area restrictions. But if you choose Medicare Advantage, you may have to pick doctors within that plan’s network. You may also need to get prior approval to get certain prescription drugs or services.

But a Medicare Advantage plan may offer you more freedom than you think, says Jacobi. Because the plan is always expanding, you could have much more coverage than you would have even just a few years ago, he suggests.

Need some help? Call a licensed insurance agent at (818) 8057113, or visit us online today.

5. Would I rather have copayments or coinsurance?

Original Medicare charges a 20% coinsurance for most services. That means you’ll pay 20% of the cost of health services, and usually, your insurance company will pay the other 80%. But Medicare Advantage plans, which can be through health maintenance organizations (HMOs) or preferred provider organizations (PPOs), structure your costs differently. They can offer copayments — fixed amounts you pay every time you get health services.

Bottom line: Once you turn 65, you have options besides just Original Medicare. One of them can be Medicare Advantage. Need some help understanding the difference between Original Medicare and Medicare Advantage? Call a licensed insurance agent at (818) 8057113, or visit us online today.

Uninsured? We can help.