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13 Foods to Eat When Sick With
a Cold
The
common cold is an upper respiratory infection and the most common illness in
the world. In fact, the average adult experiences 2–3 colds a year. Symptoms
tend to be mild and may include sneezing, a stuffy nose, sore throat, coughing,
and headaches.
When
treating a cold, many people turn to medications, hydration, and rest. While
these help, diet can also be a powerful tool to reduce cold symptoms, shorten
the duration of the cold, and boost immune function.
Cold Symptoms
While
there are over 200 types of cold, rhinovirus is the most common type, earning
it the nickname “common cold”. Symptoms start a few days after someone comes
into contact with the virus and can last up to 10–14 days.
The
symptoms of a cold include:
·
Congestion
(a stuffy nose)
·
Cough
·
Runny
nose
·
Sneezing
·
Headache
·
Sore
throat
In
rare cases, more severe symptoms may be present. These include a fever,
dehydration, and trouble breathing.
Diet & Cold Symptoms
Nutrition
science can point us toward certain foods to hydrate and fight infection– and
it can help us stay away from foods that do the opposite, such as fast food or
dehydrating substances like coffee.
When
we fight infections like the common cold, it’s important to stay hydrated and
maintain a diet with high-quality protein, fruits, and veggies. These foods
offer relief from cold symptoms, strengthen the immune system, and may even
shorten how long a cold lasts. Other foods, like soups, may also prevent
dehydration.
Essential
Nutrients for the Immune System
When grocery shopping with a cold, purchase foods with:
Anti-inflammatory properties: a cold is often the manifestation of inflammation in the upper respiratory tract. Foods with anti-inflammatory properties decrease inflammation, reducing symptoms and sometimes shortening cold length.
Antioxidants: foods that are high in antioxidants
neutralize free radicals that harm the immune system. This makes them a great
addition to prevent future illnesses, especially for those who experience
recurring colds.
Vitamin
A: thanks to its
anti-inflammatory properties and a high level of antioxidants, Vitamin A may
reduce symptom severity and help prevent future colds.
Vitamin
D: the most famous
vitamin for boosting the immune system, Vitamin D, contains anti-inflammatory
and antiviral properties which can be useful when fighting a cold.
Vitamin
C: As a source of antioxidants, Vitamin C possesses antimicrobial and antiviral
properties that can boost the immune system. A strong immune system can fight
off severe cold symptoms better.
Vitamin
E: Similar to Vitamin
C, Vitamin E is a great source of antioxidants that help reduce symptoms from a
cold.
Zinc: like the aforementioned vitamins,
Zinc’s antioxidant properties strengthen the immune system, preventing future
colds. Zinc is also antiviral and may shorten a cold’s length. One study
suggests zinc consumption can shorten a cold’s duration by two days.
·
Foods to Eat When Sick With A
Cold
One
of the best ways to get enough Vitamin A, Vitamin D, Vitamin C, Vitamin E,
Zinc, and antioxidants is to maintain a healthy diet. When suffering from a
cold, here are some of the best foods to reduce symptoms, shorten the duration
of the illness, and prevent future colds.
This
list is non-exhaustive, and other foods may offer similar benefits. Read until
the end for even more ideas of food to eat when sick with a cold. Often, the
best foods to eat are those we enjoy and will actually add to our diet.
Chicken Soup
Chicken
soup has been a go-to cold remedy for centuries. But is there some wisdom to
this home remedy or is it an old wives’ tale?
While
chicken soup won’t cure a cold, it can provide temporary relief. Since soup is
warm, it can open up a stuffy nose or sore throat. It also provides fluid,
preventing dehydration and help in thinning mucus.
However,
these benefits are not exclusive to one type of soup. Feel free to swap out
this common remedy for tomato soup or another favorite and experience the same
benefits.
Chamomile Tea
Another
hot and calming cold remedy is chamomile tea. Like soup, it may provide
temporary relief and thin mucus, but chamomile, or any type of tea, won’t cure
a cold. Chamomile might prevent future colds as it boosts the immune system.
For
those who don’t like chamomile but want a similar effect, other hot liquids,
like green tea, may work too. However, fewer studies support the effects of
green tea on nasal congestion and cold viruses.
Orange Juice
Citrus
juices, such as orange juice, provide immune-boosting Vitamin C and other
health benefits. These benefits stem from the folate in citrus fruits. Folate
is a nutrient that helps maintain immunological barriers and prevent colds.
But
orange juice isn’t only for prevention. It can provide benefits for those with
a cold too. When someone has a cold, they experience sinus inflammation in the
nose and sinus canals. Recent research suggests orange juice may reduce that
inflammation. Eating an orange has a similar effect, but may not be as
hydrating.
Ginger
Whether
it’s from a ginger shot or adding raw ginger to a soup, this herb may help with
relieving congestion and other cold symptoms. Like orange juice, fresh ginger
is an anti-inflammatory food and might reduce puffiness caused by a cold.
It
also contains antioxidants, which neutralize free radicals that can harm the
immune system. While this property won’t provide immediate relief, the
antioxidants in ginger boost immune function, preventing recurring colds.
Honey
If
a cold has caused a cough, raw honey is a great natural remedy. In fact, the
Centers for Disease Control recommends honey for adults and children over 12
months old with a cough because of the relief it provides.
Turmeric
Often
considered a superfood, turmeric can boost immune response, relieve arthritis
symptoms, and prevent muscle soreness. Many, though not all, of these benefits
stem from turmeric’s antioxidant and anti-inflammatory properties. These same
properties may relieve the symptoms of a cold.
Chili Peppers
To
turn up the spice on cold relief, consider eating chili peppers. Their active
ingredient, Capsaicin, has been linked to a reduction in postnasal drip,
congestion, and sneezing. Other spicy foods with capsaicin may deliver similar
relief.
Cherries
As
we’ve discussed, certain foods can be useful in fighting inflammation caused by
colds and boosting the immune cells when sick. One such food is a cherry
because it reduces inflammation in the sinuses and digestive tract.
As
a fresh or frozen fruit, cherries also help people who experience trouble
sleeping because of a cold. They reduce oxidative stress, and less oxidative
stress may help people sleep better at night.
Carrots
Carrots
might not be the first food that comes to mind when you have a cold. Yet, they
are often one of the best foods to add to the grocery list, especially if a
cold causes chest pain or other respiratory symptoms.
Carrots
are a great source of Vitamin A, which helps maintain proper immune health.
Carrots also contain Vitamin C, which has been linked to less severe cold
symptoms, particularly in the respiratory tract.
Leafy Greens
Eating
veggies is always important, but leafy greens might provide extra benefits for
those with a cold. Broccoli and spinach in particular have been linked to
enhanced immune system function and a reduction in cold symptoms, thanks to
high levels of vitamin C, vitamin E, and zinc.
Kiwi
Older
adults who are prone to the flu might benefit from adding kiwifruit to their
diets. As a source of Vitamin C, kiwifruit boosts the immune system and can
decrease cold duration. Some research suggests these immune-boosting benefits
may have a bigger impact on older adults, children, and others who have a
weaker immune system.
Fatty Fish
One
of the most common sources of Vitamin D is fatty fish. Specifically, salmon,
tuna, and herring possess large amounts of vitamin D, keeping the immune system
strong. For those who don’t eat meat, eggs may have a similar effect.
Fish
are also a source of Omega‑3,
which is another anti-inflammatory. Omega‑3
has been linked to relieving symptoms of conditions that might flare up when
someone has a cold, such as asthma, but little research has been done on its
impact on a cold itself.
Mediterranean Diet
Frequent
colds are no fun, but they can be prevented with certain dietary changes.
Emerging research points to the Mediterranean Diet as particularly beneficial
for those who can’t seem to shake a cold or who experience frequent cold
complications.
In
a 2016 study, researchers found this reduction led to fewer and less severe
colds in trial participants who experienced recurring colds.
The
Mediterranean diet consists of a mainly plant-based diet with some lean meats
and seafood. It also involves lighter seasoning on food and using olive oil
instead of butter to prepare foods.
More Fruits and Veggies to
Stock Up On
Other
foods that are high in Vitamin A, Vitamin D, Vitamin C, Vitamin E, and zinc may
also relieve sinus congestion and other cold symptoms. Fruits and veggies to
stock up on:
·
Apricots
·
Artichokes
·
Bell
peppers
·
Blackberries
·
Brussel
sprouts
·
Cabbage
·
Cantaloupe
·
Cauliflower
·
Cranberries
·
Guava
·
Lemon
·
Lime
Foods to Avoid With a Cold
The
worst foods for a cold are those that cause nasal inflammation, such as
processed sugars and carbohydrates. Fast food also isn’t a good idea when under
the weather. Beverages that dehydrate, such as alcohol and coffee, can worsen
symptoms too, since a large part of cold recovery is to stay hydrated.
What To Eat When Struggling
With Nausea
Nausea
is not a common symptom of a cold, but if it is present, someone may not be
able to keep food down. When this is the case, they may want to try the BRAT
diet.
BRAT
stands for bananas, rice, applesauce, and toast. These four foods are easier to
keep down than others and provide some subsistence to those experiencing
nausea, vomiting, or diarrhea.
If
you are not experiencing nausea or an upset stomach, it’s best to avoid the
BRAT diet since it doesn’t contain the necessary nutrients for better immune
health.
Other
Ways to Shorten a Cold
Dietary
changes aren’t the only ways to combat a cold. Staying hydrated, getting lots
of rest, and using saline sprays also relieve cold symptoms. Gargling warm salt
water or using a humidifier may provide relief as well.
Over-the-counter
cold and cough medications also help. When taking any medication, be careful
about its side effects. For cold and cough medicine specifically, ensure you
are not allergic to any ingredients. Some also contain pain relievers that,
when paired with a pain medication like Tylenol or Advil, could become
dangerous.
To
avoid unwanted side effects, read the medication label before taking it. If
questions arise, consult the pharmacist or a medical provider.
When To See A Doctor
Usually,
a cold resolves on its own. In some cases, the intervention of a doctor may be
needed.
Considering
seeing a doctor if:
·
Symptoms
don’t improve on their own in 10–14 days
·
There’s
a fever that lasts longer than four days
·
Symptoms
like a fever or cough improve and then worsen
·
Dehydration
occurs
·
A
cold makes it hard to breathe
·
Chronic
medical conditions, such as asthma or emphysema, are worsened by the cold
·
If
the cold turns into bronchitis or pneumonia, it’s also best to contact a
medical provider.
FAQ
What
should I eat when sick with a cold?
Research
suggests foods that are high in Vitamin A, Vitamin C, and Vitamin E can reduce
the severity and length of cold symptoms. Many foods with anti-inflammatory
properties can also reduce symptoms, while foods high in antioxidants
strengthen the immune system.
How
long does a cold last?
A
cold usually lasts 10-14 days. It can be shorter, depending on the type of
cold, treatments taken, and how the immune system responds. If longer, consider
consulting a medical professional.
How
long am I contagious with a cold?
While
the cold displays symptoms for 10-14 days, it’s contagious for longer. The cold
can spread a few days before someone shows symptoms. It stops being contagious
once all symptoms are gone.
What’s
the difference between a cold and the flu?
Both
a cold and flu can cause sneezing, congestion, fever, headaches, sore throats,
and fatigue. Despite these shared symptoms, there are a few key differences
between the two. Flu symptoms are usually more severe and come on more
abruptly. Those with the flu are also more likely to experience fever,
headaches, muscle aches and chest discomfort. A cold is more likely to cause a
runny nose and congestion.
How
to get rid of a cold fast?
Getting
rid of a cold faster often involves mixing multiple treatment options. For
many, this includes cold medicine, at-home treatments, and dietary changes,
such as eating more foods that are high in Vitamin C, Vitamin E, and zinc. For
more personalized advice on chronic colds, consult with a nutrition consultant
or registered dietitian.
If
you are an older adult and are looking for specialized care in the Mobile, Alabama
area, contact Oak Street Health at 251-450-8017. They have dedicate doctors and care team
members who will take the time to get to know and understand your individual
needs, to help with Medicare and insurance paperwork and help to eliminate the
hassles to help you take care of yourself.
These 4 Simple Actions May Deliver Big Payoffs for Mens HealthIts been 12 months since the last Mens Health Month. Have you seen your doctor?June is a great time to make an appointment for a physical with your primary care provider, and its also an ideal month to educate yourself about some of the issues that impact mens health. For example, did you know that men tend to die five years earlier, on average, than women? Or that men face higher risks for health conditions such as lung cancer, heart disease and HIV? And theyre also at risk for sex-specific cancers, including prostate cancer and testicular cancer (learn about those facts and more via the Office of Disease Prevention and Health Promotion).There are many simple actions men can take to benefit their health, this month and every month. Here are four ways to get started.Tip 1If you dont have a primary care doctor, select one. Establishing a relationship with a doctor is important. That person can help you feel better when youre sick, and they can offer advice on how to feel and stay your healthiest. And yet, according to a survey by the Cleveland Clinic, many men arent taking actions to stay healthy. Nearly two in five Gen Z men dont have a primary care provider (PCP). And when it comes to annual physicals, just 32% of millennials and Gen Z men get them, compared to 61% of Gen X and Baby Boomers. A primary care doctor can test your cholesterol and blood pressure, keep you up-to-date on immunizations and advise you on which screenings you need. A PCP visit is like a one-stop shop for your health!Tip 2If youre worried about your mental health, talk to a professional. Its tough to ask for help, and the statistics show that men, in particular, struggle when it comes to addressing their mental health challenges. According to the Anxiety and Depression Association of America, nearly one in 10 men experience some sort of anxiety or depression, but fewer than half seek treatment. If you find that youre feeling unhappy or irritable, and youre avoiding or not getting pleasure from activities you usually enjoy, talk to your doctor or connect with a therapist and share the way youre feeling. They may be able to help.Tip 3Strengthen your support system. Research shows that social connections are important for your mental and physical health; in fact, people with strong social connections may actually live longer. Prioritize connecting with old friends and open your mind to ways to meet new ones. Itll be good for all involved!Tip 4Practice good health habits. There are everyday actions you can take that are known to be good for your health. Those include regular exercise (aim for 30 minutes of movement, five times a week); eating a healthy diet filled with lean proteins, whole grains and lots of fresh fruits and vegetables; finding outlets to manage your stress, such as yoga or deep breathing; getting enough sleep; quitting tobacco; and moderating how much alcohol you drink (the US guidelines recommend two drinks a day or less for men and one a day or less for women).Making healthy choices isnt hard, but you may need to adjust to some changes in your routine. Before long, those healthy choices may make you feel good enough that you wouldnt want to choose any other way.Contact Blue Cross Blue Shield of Alabama located in Mobile at 251-344-2115.
Protecting Your Parents Assets From Nursing Home CostsNursing home care costs have been rising over time, with many older Americans who require long-term care unable to afford it.With proper planning, seniors may be able to rely on Medicaid to pay for this care and still retain some of their assets by exploring several different strategies.The aging U.S. population means that more people will likely need nursing home care in the coming decades. Meanwhile, the cost of nursing home care is increasing and expected to keep increasing.With the exorbitant cost of nursing home care, many families worry about depleting their loved ones life savings to pay for the care they need. Private health insurance does not cover nursing home care, and while long-term care insurance is available to cover nursing home costs, these plans are also expensive and may come up short for long-term stays.This leaves millions of Americans reliant on Medicaid to pay for nursing home care a far from perfect solution that usually involves spending down assets to qualify. With proactive Medicaid planning, though, it is possible for someone to qualify for Medicaid and still retain some of their assets. The sooner you start planning, the more options youll have for protecting your parents assets from nursing home costs. Odds of Needing Long-Term Care Are HighThe lifetime likelihood of needing nursing home care is relatively high. About 70 percent of people who turn 65 today will eventually need some type of long-term care, including nursing home care.About 1.3 million Americans aged 65 and older currently live in nursing homes, and about 40 percent of todays 65-year-olds will spend some time in a nursing home before the end of their lives.Women are more likely than men to need long-term care, and the older a person gets, the more likely they are to need it. At the same time, there has been a growing trend of younger adults (those under the age of 65) living in nursing homes, in part due to Medicaid eligibility expansion under the Affordable Care Act. Research shows that this group increased from 10.6 percent of total nursing home residents in 2000 to 16.2 percent in 2017.Medicaid expansion has led to more people of all ages qualifying for the joint federal and state health insurance program. Intended as the payer of last resort when it comes to long-term care, Medicaid has become the primary nursing home insurance for millions of Americans due to the absence of any other public program covering long-term care.In 2020, around 6 million Medicaid enrollees used the program to pay for long-term support and services. Around one in five enrollees received institutional care, such as care provided at a nursing facility.After age 65, more than a quarter of adults receive at least 90 days of nursing home care. Thirteen percent of them receive long-term Medicaid-financed nursing home care.Medicaid typically pays for 100 percent of nursing home costs and may be the only insurance option available for long-term stays. Long-term care insurance can be purchased, but most policies have limits on the maximum daily or monthly benefit amount and the total lifetime benefit, as well as terms and health requirements that may exclude coverage.A nursing home stay isnt necessarily permanent. About 15 percent to 20 percent of admissions are for short-term rehabilitation. Among current residents, the average stay is one year and four months. More than half of residents stay for at least 100 days, while 15 percent of older adults spend over two years in a nursing home.With nursing home costs running $250 to $300 per day in some states, costs can add up quickly. The average nursing home stay of little over a year, or about 485 days, could end up costing upwards of $150,000.Extrapolate these costs over multiple years, and they are unsustainable for many families. Medicaid Planning StrategiesWhether a nursing home stay lasts months, years, or is permanent, you may have crunched the numbers and determined that Medicaid is the only feasible payment option for a parents nursing home care.This is a good news, bad news scenario. The good news is that its possible for somebody who doesnt currently meet Medicaids income and asset limits to spend down their excess assets to meet limits. The bad news is that these limits are generally only $2,000, which requires significant planning, since the average net worth of Americans is more than $1 million, including nearly $1.8 million for those 65 to 74.Another upside is that not all a persons assets count against the limit. A home, for example, is typically exempt. Someone can also own one car without exceeding Medicaids asset limits.Many Medicaid spend down strategies take advantage of workarounds that allow nonexempt assets to be converted to exempt assets, thereby excluding them from Medicaid calculations. But these strategies often involve navigating a tricky five-year lookback period where past asset transfers are scrutinized to ensure applicants dont give away assets to qualify for Medicaid.Keeping these considerations in mind, there are financial planning strategies that can help to protect a parents assets from nursing home costs and a Medicaid spend down. Medicaid-Compliant Annuities (MCAs)MCAs, a type of single premium immediate annuity, allow countable assets (like cash or investments) to be converted into a stream of income that doesnt count toward the Medicaid asset limit. The payout structure must be based on life expectancy, and once purchased, the annuity cannot be cashed out or changed; funds in the annuity are no longer accessible as assets.Annuity income may affect your parents eligibility for other needs-based government programs, such as Supplemental Security Income (SSI). In addition, the state Medicaid agency must be the primary beneficiary in case of the annuitants death during the annuity period. Medicaid Asset Protection Trusts (MAPTs)Medicaid-compliant trusts, like MAPTs, hold assets for a set period, after which they transfer to beneficiaries (usually children or other family members).Assets in the MAPT are no longer considered part of your parents estate for Medicaid purposes. They are legally owned by the trust, not your parents, although they may be able to benefit from these assets, such as remaining in a home transferred to a MAPT.Creating a MAPT triggers a penalty period of Medicaid ineligibility under the lookback period thats based on the value of assets transferred. A MAPT is therefore most effective when implemented well in advance of potential Medicaid need, often in conjunction with a parents estate plan. Promissory NotesA promissory note is a legal agreement that allows your parents to lend money to someone (e.g., a family member) who agrees to repay the money with interest over time. This converts a lump-sum asset into a stream of income.Not all states recognize promissory notes for Medicaid planning. In states that do allow them, they may be subject to scrutiny by state Medicaid agencies. The note must clearly outline the repayment terms and the interest rate must be at or above the applicable federal rate (the minimum interest rate the IRS allows for private loans).Interest income from the loan may be taxed at a lower rate, and the terms can be customized to meet individual needs. For the Medicaid applicant, however, the effectiveness of a promissory note is largely dependent on the borrowers ability and willingness to repay the loan. Life EstatesA life estate lets your parents transfer ownership of their home to a child or other family member while retaining the right to live there for the rest of their lives. It removes the homes value from their countable assets for Medicaid purposes and may protect the family home from Medicaid estate recovery, a program that empowers states to recoup Medicaid expenses from the deceased beneficiarys estate.Medicaids lookback policy applies to life estates, so the transfer must be done well in advance of needing care. Your parents may also lose some control over the property, and there could be tax implications. Other Spend Down StrategiesA spend down strategy might additionally include a parent spending on needs or wants that can both enhance their quality of life and help them qualify for Medicaid.Paying off debts, making necessary home repairs, purchasing a new car, prepaying funeral expenses, or taking a family vacation are ways to spend down assets and derive an instant benefit.Gifting assets to loved ones outside of the lookback period can reduce countable assets and fit into a gifting while living strategy, but annual and lifetime gift tax exemptions apply.If only one spouse needs nursing home care, Medicaid allows the other spouse (the community spouse) to retain a certain amount of income and assets.Because state Medicaid laws and individual nursing home care needs vary, there is no one-size-fits-all strategy for protecting a parents assets from nursing home costs and a Medicaid spend down. To develop a personalized plan that avoids penalties or disqualification from Medicaid in your state and also maximizes asset protection, consult with Ashley Day. Phone: 251-277-3377.
What to Do If Long-Term Care Insurance Doesnt Cover All CostsA Practical Guide for Families to Identify Funding Solutions for Home CareOne of the most common and unexpected challenges aging seniors and their families face is realizing that their long-term care insurance (LTCI) doesnt cover everything. While LTCI is an important financial safety net, policies often come with daily or lifetime caps, elimination periods, or limits on the type of care covered. This can leave families who are policyholders scrambling to fill financial gapsoften while juggling emotional stress and caregiving responsibilities.The good news is there are many strategies to help manage these uncovered costs, say experts like Michael Banner, the host of 62 Who Knew podcast that focuses on educating seniors and their adult children about long-term care, Medicare, elder law, and other topics related to retirement planning. Whether youre just beginning to plan or facing care expenses right now, its never too late to reassess and adjust your approach. Here are several options that can provide support when long-term care insurance falls short.Hybrid Life Insurance with Long-Term Care RidersHybrid life insurance policies offer both a death benefit and a long-term care benefit. If you never use the LTC portion, your beneficiaries still receive a payout. If care is needed, a portion of the death benefit is used to cover services like in-home care, assisted living, or nursing facilities.These policies can be especially attractive because: Premiums are typically guaranteed and wont increase over time. Underwriting is often more flexible than traditional LTCI. You get peace of mind knowing the funds will be used, one way or another. This option is great for families who are planning in advance and want to ensure that their investment doesnt go to waste.Annuities with Long-Term Care BenefitsAnnuities that include long-term care riders can be another viable solution, especially for individuals with significant retirement savings. These products allow you to invest a lump sum and receive monthly incomeenhanced if used for qualified care expenses.Key benefits: No need to qualify with medical underwriting for some options. Funds grow tax-deferred. If long-term care isnt needed, the annuity still provides income. This is ideal for retirees who want to protect against longevity risk and the rising cost of care.Health Savings Accounts (HSAs)If youre still working and enrolled in a high-deductible health plan, contributing to an HSA is a tax-advantaged way to prepare for future health-related expensesincluding some long-term care costs.Advantages include: Contributions are tax-deductible. Growth is tax-free. Withdrawals for qualified medical expenses, including LTC services, are also tax-free. Funds roll over year to year and can be a powerful savings tool when planned early.Medicaid PlanningWhen private funds and insurance arent enough, Medicaid becomes a vital safety netbut qualifying isnt simple. Medicaid is means-tested, meaning you must meet strict income and asset thresholds. Fortunately, with proper legal guidance, its possible to spend down assets in a way thats compliant with Medicaid rules.Why its important: Medicaid covers the full cost of nursing home care and, in some states, in-home or assisted living support. Planning early (ideally five years before care is needed) can preserve some assets for a spouse or heirs. An elder law attorney can help navigate this complex system and avoid costly mistakes. Family Care AgreementsWhen a family member provides caregiving services, a written agreement ensures transparency and allows for potential Medicaid reimbursement. These agreements can: Help justify compensation for caregiving, especially if one family member is giving up work. Protect family relationships by establishing clear roles and expectations. Provide documentation for tax or Medicaid eligibility purposes. Formalizing informal care arrangements can also bring peace of mind and fairness to all involved.Life SettlementsA life settlement involves selling a life insurance policy to a third-party investor for more than its cash surrender value but less than its death benefit. The buyer continues paying premiums and collects the death benefit when the policyholder passes.Consider this if: You no longer need the life insurance policy. You need immediate funds for care. Youre ineligible for more traditional forms of care financing. Be sure to consult with a financial advisor or attorney, as this option can affect taxes and estate planning.Cohousing and Shared Living ArrangementsSenior cohousing is a growing trend in which older adults live in a community designed for shared support and resources. Residents often share meals, caregiving responsibilities, and social activities.Benefits include: Lower costs compared to institutional care. Built-in companionship and reduced isolation. Informal support networks that ease the caregiving burden. This lifestyle is especially appealing to seniors who value independence but also want access to a community.Emergency Savings and Liquid AssetsEven a modest emergency fund can make a big difference when unexpected care costs arise. While many retirees live on fixed incomes, its important to set aside funds specifically for healthcare and long-term support.Recommendations: Keep at least 612 months of essential expenses easily accessible. Regularly reassess your budget to adjust savings needs. Consider placing emergency savings in a high-yield savings account or money market fund. An emergency fund can serve as your first line of defense before tapping into investments or family resources.Plan Proactively, Not ReactivelyLong-term care costs can be overwhelmingbut they dont have to catch you off guard. If your LTCI doesnt cover everything, you have more options than you might think. Whether you choose a financial product, government program, or community support model, the most important step is to plan ahead.At Amada Senior Care of Mobile & Baldwin County, we specialize in providing compassionate, non-medical care services that help seniors live safely and comfortably in their own homes. We understand how stressful it can be to manage the cost of care, and were here to work with youwhether its helping you build a care plan, navigating resources, or offering flexible support options.Need help figuring out the next step? Contact us today at 251-305-4500 for a free consultation. As experts in long-term care insurance claims management and other funding solutions, our senior care advisors are here to support you and your familyevery step of the way.
Oak St. Health - Our most important patient is YOU!Mobile Primary Care Doctors OfficeOur Mobile primary care doctors office is welcoming new patients. At Oak Street Health, our doctors and physicians take the time to get to know you and your needs. We can help you get the most out of your Medicare coverage, set up mail-order prescriptions, and coordinate healthcare services such as specialist appointments and social services. Our care teams develop personalized preventive care plans to help you achieve your physical and mental health goals. Schedule an in-person, phone, or video visit today.Services Offered:Primary CarePreventive Care to Maximize Your HealthChronic Condition CareWellness & Preventative CareImmunizationsLaboratory & Testing ServicesHelp Navigating Medicare BenefitsLonger Appointments to Address Your NeedsConnections to Trusted Insurance AgentsCoordination of Healthcare and Social ServicesClinical Programs tailered to your needs: Patients who qualify can also access our clinical programs, including mental healthcare, disease management, and maill-ord Rx and over-the-counter delivery service.We see you as Family!Insurance Plans, Original Medicare, Medicare Supplement and Medicare Advantage plans are accepted.Give us a call at 251-706-7053 to set up an appointment