Idaho - Boise and the Treasure Valley

Take advantage of everything your plan offers to achieve optimum health and well-being By Dr. Richard Smith, Medical Director for Humana's Senior Products in Idaho If you're one of the 14 million Americans enrolled in a Medicare Advantage plan, you already know that your plan covers hospital stays, doctor visits and other major medical needs. But are you aware of the additional benefits and features that your plan offers? Being familiar with your Medicare Advantage plan will not only help you maximize the value you are receiving in benefits, but, in many cases, it will also help you achieve better health and well-being. Here are five important ways you can take advantage of your Medicare Advantage plan.Preventive Care: Medicare Advantage plans place a strong emphasis on preventive health care services that help keep you healthy, detect diseases at an early stage, and avoid preventable illnesses. That's why we encourage you to schedule regular health screenings fully covered by your Medicare Advantage plans, as well as an annual medical exam. These screenings can help your doctor catch things early when they're easier to treat.Care Management: If you are living with a chronic condition, such as diabetes or heart disease, what educational programs and support does your plan offer? Some Medicare Advantage plans offer personalized, telephonic care management, health coaching, education and support provided by registered nurses and other health professionals. These plans also offer a toll-free help line where you can speak with a registered nurse about your health concerns anytime. Wellness Programs: Many Medicare Advantage programs offer fitness programs at no extra cost and, in some cases, even include a fitness center membership. Through your health plan you may also be eligible to participate in exercise classes specially designed for older adults.Immunizations: Flu and pneumonia shots are another important part of your covered preventive care, since people 65 and older are at greater risk of serious side-effects of these common illnesses. Because this years flu season was one of the worst in recent years, make sure you are up to speed on your shots.Community and Financial Resources: If you have limited financial resources, you should be aware that there are plans available that provide extra services and lower plan costs for low-income beneficiaries, along with additional choices and benefits. If you qualify for both Medicare and Medicaid you may also be eligible for significant support and assistance from the government. If you're not sure, visit gov, or call 1-800-MEDICARE. These are just some of the benefits and features that can help you maximize your Medicare Advantage coverage and improve your health and well-being. Be sure to take a look at your health plan today to ensure you're getting the most from your plan. Editors Note: This article was submitted by Humana. For more information on Humana's senior products in Idaho call (208) 319-3400.

A  Will or Trust: Which is Best for You?When it comes to deciding whether a will or trust is best for you, it is important to understand your options and which one is most appropriate for your situation.WillA testamentary will (simply referred to as a will) is a legal document used to transfer an estate to beneficiaries after the death of the testator (a male person making the will) or testatrix (a female person making the will). Within the will, the testator or testatrix usually names a personal representative (same as an executor) for the estate. For a will to be valid in Idaho, it must meet specific requirements under Idaho law. Revocable Living TrustsA person, during his or her lifetime, may create a revocable living trust whereby the grantor (the person making the trust), trustee (the person who has legal authority to manage the trust assets) and beneficiary (the person who makes use of the trust assets) are all the same person.  After the grantor dies, depending on the trust instructions, the trust assets may be distributed outright or held within the trust and distributed over time or upon the happening of a designated event. Revocable living trusts may be appropriate for persons who own real property in more than one state or have a blended family where spouses have children from prior relationships.Testamentary Trusts A testamentary trust is a trust within a will. A testamentary trust is created upon the death of a person as specified in his or her will. The testamentary trust holds assets within the trust instead of outright distribution to a beneficiary. A common scenario is when parents create a testamentary trust to hold assets for the support of minor children or for college education for children until they reach a specified age. A testamentary trust can also hold assets for the special needs of a disabled child who receives government benefits. Does Having a Revocable Living Trust Eliminate Probate?To avoid the probate process, all assets must be transferred into the name of the revocable living trust. A common misconception is that a list of assets attached to the trust document accomplishes a transfer to the trust. However, the correct way to transfer assets requires an actual change to the title of assets including a home, certificate of deposits, bank accounts and brokerage accounts. Upon death, any assets titled in the name of an individual, not the trust, will be subject to the probate process. For this reason, when a person creates a revocable living trust, it is best to also create a will, called a pour-over-will, as a safety net to assure that upon death any assets titled in the name of an individual are transferred to the trust and distributed accordingly. In Idaho, generally speaking, the probate process can be quite simple and relatively inexpensive.A New or Updated Estate PlanWhether a will or trust is appropriate for you depends on your circumstances. If you already have a will or trust, it should be reviewed periodically to make sure it reflects your current wishes and needs or upon any significant change in your life such as divorce or death of a spouse or beneficiary. Other important estate planning documents include a general durable power of attorney, living will and durable power of attorney for health care. This article was written by Donna A. Schuyler, Attorney, who practices in the areas of estate planning, probate, trust administration, elder law, and guardianship. Donna Schuyler Law, PLLC; www.elderlawboise.com; Phone 208-344-1947

A Will or Trust: Which is Best for You? When it comes to deciding whether a will or trust is best for you, it is important to understand your options and which one is most appropriate for your situation. Will A testamentary will (simply referred to as a will) is a legal document used to transfer an estate to beneficiaries after the death of the testator (the person making the will). Within the will, the testator usually names a personal representative (same as executor) for the estate. A will is revocable (it can be cancelled by the testator) or it can amended at any time by the testator. For a will to be valid in Idaho, it must meet specific requirements under Idaho law. Living Trusts A person, during his or her lifetime, may create a living trust whereby the settlor (the person making the trust), trustee (the person who has legal authority to manage the trust assets) and beneficiary (the person who makes use of the trust assets) are all the same person. After the settlor dies, depending on the trust instructions, the trust assets may be distributed outright, or held within the trust and distributed over time or upon the happening of a specific event. Living Trusts may be appropriate for persons who own real property in more than one state or have a blended family where spouses have children from prior relationships. Testamentary Trusts A testamentary trust is created upon the death of a person as specified in his or her will and holds assets within the trust instead of outright distribution such as when minor beneficiaries reach a specified age or graduate from college, or when a beneficiary is a person with special needs or disability who receives government benefits. A New or Updated Estate Plan Whether a will or trust is appropriate for you depends on your circumstances. If you already have a will or trust, it should be reviewed occasionally to make sure it reflects your current wishes and needs, or if you have relocated from another state, or upon any significant change in your life such as divorce or death of a spouse or beneficiary. This article was written by Donna A. Schuyler, Attorney, who practices in the areas of estate planning, elder law, guardianship and probate. Donna Schuyler Law, PLLC; elderlawboise.com; Phone 208-344-1947

Idaho's seven Public Health Districts were established in 1970 under Idaho Code to ensure essential public health services were made available to the citizens of the State. The Public Health Districts are controlled and governed by a local Board of Health appointed by county commissioners from that district. In the Treasure Valley, Central District Health Department provides services to Ada, Boise, Elmore and Valley counties. Southwest District Health provides public health services to Canyon, Adams, Gem, Owyhee, Payette and Washington counties.While Public Health Districts serve the health needs of low-income families and individuals, they also provide a broader range of services that impact everyone. Food establishment and public swimming pool inspections are conducted by health department staff to ensure safety for all. Child care facilities are inspected for health and safety. Public Health Preparedness staff work closely with local emergency response organizations such as law enforcement agencies, fire departments, emergency medical services and health care facilities to plan and prepare for public health emergencies. Women, Infants and Children (WIC) clinics provide supplemental nutrition, breastfeeding information and support, and referrals to other health care services for women, infants and children up to the age of five. Limited clinical services such as reproductive health/family planning, sexually transmitted disease treatment, and oral health education and preventive services for uninsured and Medicaid-eligible children are offered. Free or low-cost community-based Fit and Fall Proof classes for older adults are organized and overseen by local public health departments. Fit and Fall Proof classes are led by volunteer peer-leaders and designed to focus on functional exercises that reduce the risk of falling.The Public Health Districts are playing an integral role in chronic disease prevention. Diseases such as diabetes, heart disease and stroke have risen dramatically over the past several decades due to tobacco use, physical inactivity and poor eating. The Public Health Districts work within their communities to convene and coordinate efforts to increase access to physical activity and healthy eating opportunities and decrease tobacco use within the various community settings such as worksites, child care facilities and schools. Reducing chronic disease is a complicated issue and requires the coordinated efforts of many community partners. Public Health is working to link nontraditional agencies to address the chronic disease epidemic.This is just a sampling of the vast number of services provided by local Public Health Districts to promote healthy people in healthy communities.Jaime Harding, MHS, CHES Program Manager, Health Promotion and Health Policy Central District Health Department Boise, Idaho