Health

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Got Medicaid? Got Medicare? Get more benefits with UnitedHealthcare Dual Complete.®

If you have Medicaid and Medicare, you could get more Dual Complete is a help to cover your care and health plan for people costs. UnitedHealthcare Dual who: Complete includes a prepaid • Have both Medicaid card to buy covered and Medicare over-the-counter (OTC) products • Could use more and groceries, plus many help to cover more other extra benefits you care and costs may be missing today. • Want more benefits With $125 a month on a for a $0 plan prepaid card: premium • Buy over-the-counter products, including pain relievers, vitamins, bandages, allergy relief and more • Buy healthy foods, including fruits, vegetables, fish, meat, dairy, cereal, pasta and more • Shop at participating stores or order online with free home delivery options

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Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan’s contract renewal with Medicare. Benefits and features vary by plan/area. Limitations and exclusions apply. Depending on your level of Medicaid eligibility, costs may vary. OTC and Healthy Food benefits have expiration timeframes. Call the plan or refer to your Evidence of Coverage (EOC) for more information. © 2022 United HealthCare Services, Inc. All Rights Reserved. Y0066_211109_031115_M SPRJ71709_H0321-002-000

Health

Inflammation and your Health

By Dr. Jenna Dye, Naturopathic Physician

WHAT IS INFLAMMATION?

Inflammation is a natural response by the immune system to events such as illness, trauma, physical stress, and chronic disease. Acute inflammation is a short-term healing process that warns our body of an injury. For example, if you break a bone, the body reacts quickly with redness, swelling, pain, and heat. This warns us to be more cautious of the injured area, preventing any further damage.

Chronic inflammation is a low level of inflammation that is not visible. It is a result of prolonged acute inflammation, repetitive injuries, or even external factors such as chemicals, medications, nutrient deficiencies, food sensitivities, and metabolic diseases. If not addressed, this chronic inflammation can aggravate and/or lead to health conditions such as cardiovascular disease, gastrointestinal disorders, autoimmune disease, chronic pain, and diabetes.

Diet and lifestyle play an important role in chronic inflammation. It is one of the simplest, yet most effective ways, to decrease your overall inflammation, protect your immune system, and make you a healthier you. Here’s what to do.

INCREASE YOUR VEGETABLES AND FRUIT

Colorful vegetables and fruit contain a variety of anti-inflammatory properties. Many fruits and vegetables are beneficial, however green leafy vegetables, berries, cherries, and pomegranate are excellent choices for a healthy diet. Tropical fruits such as pineapple, mango, and bananas are higher in sugar and should be limited or avoided while treating inflammation.

CHOOSE WHOLE GRAINS AND LOW SUGAR FOODS

Intake of refined grains and simple sugars is associated with the risk of developing inflammatory mediated diseases such as cardiovascular disease and diabetes. Fructose, which is found in table sugar, high fructose corn syrup, and fruit juices can cause inflammation and hinder the healing process. These should be limited or avoided. It is best to eat complex carbohydrates that are unprocessed such as whole oats, whole rye, barley, and legumes.

GOOD FATS VS BAD FATS

Poly-unsaturated fats high in Omega-3 fatty acids provide anti-inflammatory benefits. The best sources include flaxseed oil, walnuts, and cold-water fish such as salmon.

Processed fats such as soybean oil, safflower oil, corn oil, and canola oil should be avoided. Avoid trans fats, which can be disguised in the form of shortening, margarine, and hydrogenated or partially hydrogenated oils. Always read labels.

HERBS AND SPICES

Powerful anti-inflammatory herbs and spices include turmeric, ginger, garlic, cinnamon, basil, rosemary, and thyme.

REDUCE YOUR TOXIC LOAD

Many industrial chemicals and pesticides can cause inflammation. When possible, choose organic foods and “green” personal care and cleaning products. EWG (Environmental Working Group) is a great resource. Learn more via ewg.org.

STRESS REDUCTION

Stress can be just as aggravating to the immune system as the foods we eat. Physical activity, yoga, nature, and plenty of sleep may be helpful ways to reduce stress, thus decreasing inflammation.

FOOD ALLERGIES AND SENSITIVITIES

Food allergies/sensitivities can often cause inflammation. Common foods that contribute are dairy products, eggs, gluten, and soy. A naturopathic physician can help you decide if food allergy elimination will be helpful for you.

Dr. Jenna Dye is a licensed naturopathic physician. Her role is to support the body’s foundation to restore and maintain optimal health. Together with her patients, this is achieved by identifying and removing barriers that may be impacting health while creating a healing environment. For more information visit drjennadye.com.

Legal

Asset Protection for Your Heirs

By Libby Banks, The Law Office of Libby Banks, PLLC

Iam often asked whether the revocable living trust we use as the cornerstone of our estate plans provides asset protection––protection from the creditors of the person creating the trust. The answer is no. While the revocable trust is a great estate planning and probate avoidance tool, it is not an asset protection trust. When you create this trust, you still have full control over the assets in the trust. Because of this, the law recognizes that they are your assets, and your creditors can get to them in the same way as if they were in your personal name and not in your trust.

PROTECTIVE TRUSTS CAN PROTECT THE INHERITANCE IN CASE OF YOUR BENEFICIARY’S SPOUSE, AND DIVORCE OR DEATH

Many of my clients like the idea of the benefi ciary protective trust, especially after I mention that the trust can protect a benefi ciary’s inheritance from his or her spouse. If a benefi ciary has a marriage that’s a bit rocky will the inheritance end up in part in the ex-spouse’s name?

Leaving the inheritance in trust can assure that your benefi ciary keeps the inheritance in a divorce. The assets held in trust won’t be divided up, because the inherited trust is separate property, belonging only to the benefi ciary and not his or her spouse.

However, you can help your benefi ciaries out by protecting their inheritance with a benefi ciary asset protection trust. How do we do that? Instead of your trust saying that your benefi ciaries get their inheritance outright (meaning the trustee simply writes them a check and they do with it what they want), your trust can direct that each benefi ciary receives his or her share in a protective trust.

PROTECTIVE TRUSTS CAN KEEP AN INHERITANCE OUT OF THE HANDS OF CREDITORS

These benefi ciary trusts do provide asset protection for the trust assets. An outright gift of the inheritance can result in a benefi ciary’s creditors snatching all your hard-earned money. But when you leave the assets in a protective trust, your benefi ciary will not lose his or her inheritance to bankruptcy or other creditor issues. And what happens to the inheritance if your benefi ciary dies after receiving it? With the protective trust, we can direct them to the benefi ciary’s children or grandchildren. If your benefi ciary puts the inheritance in joint ownership with his or her spouse, what happens when your benefi ciary passes away? If their spouse remarries, there is a real possibility that the assets may go to the new spouse and not to your benefi ciary’s children. Providing that the inheritance is to be held in a trust for your child, and then passes on to your grandchildren, can help prevent this unfortunate scenario.

If you’d like to discuss asset protection planning for your heirs – or if you are interested in the revocable living trust for your estate planning, visit my website at libbybanks.com or call 602-375-6752 for a free initial consultation.

Call us today to schedule your FREE Estate Planning Consultation

Our Estate Planning in Phoenix and Scottsdale is highly customized to meet your unique family situation, assets, values, and personal goals. Our complimentary first meeting allows you to get to know Libby, our Estate Planning attorney and talk about your unique situation and what plan will best fit your needs.

Remember, when you choose Libby you are not only hiring someone to prepare your Estate Plan, you are choosing a seasoned Estate Planning attorney to guide you through this often complex process and raise questions you might not have considered. You are choosing an experienced professional to create a plan that serves your family in the way that you want and, after you are gone, a trusted advisor that your loved ones can depend on.

Come see us in our new, convenient office located just down the street at 5010 E. Shea Blvd, Suite 205 Scottsdale, AZ 85254 602.375.6752 | www.libbybanks.com | libby@libbybanks.com

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