A Q&A with Robin Kelly of the Forsyth County Lunch Cruisers.

A letter from North Carolina State Treasurer Brad Briner

People who require an emergency ambulance trip frequently ask the same question upon receiving the bill: “Why was the cost of the ambulance so high?” It might seem that a short ride to the hospital should cost about as much as an Uber ride. However, ambulance rides and Uber rides are two very different services.

Labor, Training, Readiness, and Equipment

Emergency medical teams require hands-on experience to handle emergencies effectively. In addition to the expense of training Emergency Medical Services personnel, at least two people are often necessary for each patient in an ambulance.

Ambulance users pay for the assistance they receive as well as for the readiness of the ambulances. Additionally, all equipment and staff must comply with local and state regulatory requirements, and the costs of maintaining them can accumulate. Treatment equipment in the vehicle used to stabilize a trauma patient before reaching the destination may include emergency ventilators, stretchers, cardiac monitors, infusion pumps, nebulizer machines, oxygen, and more.

Even if a patient does not receive additional care during the ambulance ride, the service does not itemize medications or other treatments that may occur during the transport. Patients are charged for either basic life support or advanced life support.

In fact, the least expensive aspect of an ambulance trip is the trip itself; the mileage fee typically makes up the smallest portion of the final bill.

Regardless of the cost, it is crucial to prioritize getting trauma patients to the hospital as quickly and safely as possible during an emergency. An Uber ride cannot match the care provided by an experienced EMS team equipped with vital resources.

Protect Yourself from a Costly Ambulance Trip

You can safeguard yourself from the expenses of emergency medical transportation. Medical Air Services Association (MASA) can protect you from catastrophic financial loss when emergencies occur at home or while traveling by covering your ambulance or airlift, regardless of age or medical condition. Services can be covered in full, without deductibles, co-pays, or dollar limits. MASA offers coverage 24 hours a day, 365 days a year.

MASA’s benefits extend beyond emergency transportation. Your MASA membership also includes Escort Transportation (allowing a loved one to accompany you to the hospital), Visitor Transportation (enabling a loved one to visit if you are away from home for over a week), Organ Retrieval/Recipient Transportation, Repatriation, Children and Pet Return, and more.

Your care is paramount in an emergency. Getting a MASA policy today can give you peace of mind from cost concerns. RGEA and AMBA make enrolling in MASA simple. You can even sign up online. Learn more at www.AMBAmedtransport.com/NCRGEA or call 800-956-1228.

Have you ever experienced pain or noticed persistent sensitivity in your teeth? You might have a cavity. Cavities are common, but they are often overlooked until they worsen significantly. The health of your teeth is crucial to your overall well-being. Discover what causes cavities, how to prevent them, and why it’s important to visit a dentist at the first sign of trouble.

What Are Cavities?

Cavities, clinically known as dental caries, are common dental issues that affect a significant portion of the population. Approximately 90% of adults in the United States have had a cavity at some point in their lives, and nearly 30% of adults have an untreated cavity.

Understanding how cavities develop, recognizing their symptoms, and maintaining good oral health is essential for everyone.

How Do Cavities Form?

Cavities primarily form due to bacteria that accumulate in the mouth, leading to plaque buildup. When sugary foods are consumed, these bacteria thrive, producing acids that can wear away enamel, the hard protective layer of the teeth.

Initially, there may be no symptoms since enamel does not contain nerve endings. However, as decay progresses toward the more sensitive areas of the tooth, discomfort may become apparent.

Signs You Might Have a Cavity

Being aware of the symptoms can help in early intervention and prevention. Here are several signs to consider:

1) Tooth Pain or Sensitivity: Increased sensitivity to hot, cold, or sweet foods may indicate a problem. Pain when biting can also be a sign.

2) Holes or Pits in Your Teeth: Gently running your tongue over your teeth may reveal rough patches or visible holes, which should not be ignored.

3) Stains on Your Teeth: Watch for white, brown, or black spots. A white spot could indicate that a cavity can still be reversed, but prompt attention is advisable to prevent further issues.

What to Do If You Suspect a Cavity

If you suspect a cavity, it’s important to act quickly. Schedule an appointment with your dentist as soon as possible. Many cavities can be effectively treated, especially if detected early. During your visit, your dentist may take X-rays to assess the extent of the decay and suggest appropriate treatment options, ranging from fillings to more extensive procedures like crowns or root canals if necessary.

Prevention is the Best Medicine

Prioritizing your dental care is crucial. You can keep a healthy and bright smile for years by taking proactive steps to prevent cavities. Regular check-ups with your dentist are essential for spotting potential issues before they develop. RGEA and AMBA offer a Dental Plan that includes check-ups, cleanings, and various procedures, such as fillings, crowns, implants, and more. Additionally, you can choose any dentist you prefer, with extra savings if you see an in-network provider. Visit www.AMBAdentalvision.com/ncrgea or call 800-956-1228 to get started.

Source:

https://www.nidcr.nih.gov/research/data-statistics/dental-caries/adults#:~:text=Nearly%2090%25%20of%20adults%20ages,and%202011%E2%80%932016%20NHANES%20cycles.

https://pubmed.ncbi.nlm.nih.gov/34952680

This healthy chicken stir-fry is packed with flavor and has an array of fresh vegetables bursting with vibrant colors and nutritious benefits.

Stir-frying is a traditional Chinese cooking method. This recipe consists of two parts: first, marinated chicken breasts are stir-fried. Next, the cooked chicken is set aside, and the vegetables are stir-fried. Finally, the chicken is mixed back in, and a delicious stir-fry sauce is added that thickens and enhances the flavor of the entire dish.

Ingredients

For the marinade:

• 1/4 cup soy sauce, tamari, or coconut aminos
• 1 tablespoon lemon juice
• 1 tablespoon honey
• 1 tablespoon sesame oil
• 1 tablespoon rice wine vinegar
• 1/2 teaspoon red pepper flakes, plus more to taste for added heat
• 1 pound chicken breasts, cut into bite-sized pieces

For the Stir Fry:

• 3 cloves garlic, minced
• 3 large carrots, peeled and julienned
• 1 large red bell pepper, julienned
• 1 large yellow bell pepper, julienned
• 1 cup snow peas, sliced into 1” pieces
• 8 ounces button mushrooms, sliced thinly
• 2 cups frozen broccoli, defrosted
• 2 tablespoons avocado oil or olive oil, divided
• 1 tablespoon cornstarch or arrowroot powder
• 4 cups cooked rice, noodles, or other serving options
• Sliced green onions and toasted sesame seeds, for serving

March is Women’s History Month, a time to celebrate women’s contributions to American history and society. It’s also an excellent opportunity to focus on women’s unique health needs, particularly eye health. Women over 55 should prioritize their vision health since they are at a higher risk for certain eye diseases. For instance, two-thirds of individuals living with blindness or visual impairment are women. AMBA is here to help you identify concerns and risks related to women’s eye health and the steps you can take to keep your eyes healthy.

Understanding Eye Health Risks for Women

Women are at a greater risk for several reasons, among them:

• Women experience normal age-related hormonal changes that may affect their eyes.
• Women are at a greater risk for autoimmune diseases.
• Women are more likely to undergo certain cancer treatments that may impact vision.
• Women tend to outlive men, and many eye conditions become more common as we age.

These factors contribute to the significant difference in eye health between the genders. The statistics are revealing: in each case, the incidence of women suffering from conditions like age-related macular degeneration (AMD), glaucoma, cataracts, and visual impairments is over 60%.

Vision Challenges for Women Over 55

For the reasons above, women need to be aware of specific vision issues they may encounter. These include: 

• Dry Eyes: This condition occurs twice as often in postmenopausal women. If you notice persistent dryness or irritation, don’t ignore it! 
• Autoimmune Diseases: Women are more susceptible to autoimmune diseases, such as lupus and Sjögren’s syndrome, which can affect vision. 
• Hormonal Shifts: These can impact vision, especially as you age. 

5 Ways Women Can Protect Their Eye Health

All too often, women put the needs of others before their own. However, it’s crucial to remain mindful of your health. Here are some empowering steps to take to safeguard your eyes:

• Eat Healthy: A balanced diet is essential for overall well-being. Emphasize a diet rich in fruits, vegetables, and whole grains. Eye-friendly foods include citrus fruits, vegetable oils, nuts, dark leafy greens, and cold-water fish.
• Quit Smoking: Smoking is detrimental to eye health and increases the risk of diseases such as cataracts and age-related macular degeneration. If you smoke, now is the perfect time to quit! 
• Protect from the Sun: Always wear sunglasses with 100% UV protection. Wearing a hat during outdoor activities can also help shield your eyes from harmful rays. 
• Know Your Family History: If you have a family history of conditions like macular degeneration or glaucoma, be proactive. Understanding your risk can help with early detection and better treatment options. 

Use Cosmetics Safely: Keep your eye makeup fresh and replace it every three months to avoid infections from old products. It’s better to be safe than sorry!

These steps can help you enjoy healthier, happier eyes and prevent potential problems. Of course, eye exams are also essential. That’s why the Vision Plan from RGEA and AMBA covers annual comprehensive WellVision examinations. The plan also provides access to thousands of in-network providers nationwide and offers 100% coverage for most lenses, including progressives. Sign up today at www.AMBAdentalvision.com/NCRGEA or call 800-956-1228. This Women’s History Month, let’s celebrate women’s achievements and take charge of our health and well-being—because your vision matters!

Sources:

www.nei.nih.gov/sites/default/files/health-pdfs/NEI101261-04-001HVM2017Infographic-r8.pdf

https://healthcare.utah.edu/healthfeed/2023/04/why-women-need-pay-extra-attention-eye-health

Transferring home ownership can be complicated. AMBA’s tips provide clarity.

If you’re like many people, your home represents more than just financial value. As the saying goes, “Home is where the heart is”; your house is filled with cherished memories and emotional significance. For this reason, many individuals aim to leave their home for their loved ones.

However, although leaving your home to a loved one may appear straightforward, the process can quickly become complicated and costly. Careful planning ensures that you pass down your home according to your wishes while safeguarding your loved ones financially. Follow AMBA’s guidance to explore your options and create a well-structured plan that minimizes the risk of legal and financial complications.

Start Planning Early

Begin by discussing your intentions with your heirs and family members. Ensure your wishes align with their wants and desires.

Additionally, make sure your heir is financially prepared for homeownership and ready to manage the responsibilities of owning a property. Transferring a home can introduce extra financial obligations, including mortgage payments, property taxes, and maintenance costs.

You and your beneficiary should also familiarize yourselves with the potential tax consequences of transferring property. This process can trigger various tax implications, such as estate taxes, gift taxes, and capital gains taxes. You may want to work with an estate planning attorney or tax professional to develop a tax-efficient transfer strategy.

Explore Your Options to Hand Down Your Home

Once you and your loved one agree on passing down the home, consider these various options:

• Will – A traditional will allows you to designate an heir as the beneficiary of your home. This option ensures you control who inherits the property. However, assets transferred through a will still undergo the probate process, which can be lengthy and costly. Additionally, a will is a public document, meaning that anyone can access the decedent’s assets and see who inherited them, raising potential privacy concerns.
• Joint Ownership – Are you planning to reside in the home until your passing? Consider adding your heir’s name to the property title as a joint owner. This arrangement ensures that the joint owner receives full ownership rights to the home after your passing without restrictions.
  • For Spouses: When a spouse is listed as a co-owner, the value transferred is exempt from estate and gift taxes due to the unlimited marital deduction. The surviving spouse inherits your ownership interest in the home and becomes the sole owner. 
  • For Non-Spouses: If a non-spouse co-owner is listed, the value transferred is considered a gift and must be reported for gift tax purposes, counting towards your lifetime exemption amount. Lifetime gifts to non-spouse heirs are subject to the carryover of cost basis, which may equal the home’s original price (excluding improvements). This arrangement means they may face higher taxes when selling the property because they likely won’t qualify for a step-up in cost basis at the time of your passing. 

• Revocable Trust – A revocable trust enables you, as the grantor, to maintain control over your home while specifying how and when it will pass to your heirs. This trust allows for the quick and private transfer of your home to your heir, bypassing the probate process. It also allows you to retain complete control and use of your home during your lifetime, facilitating a seamless transition after you pass.

Leaving your home to a loved one can effectively safeguard their financial future after you’re gone.

Another strategy to ensure your loved ones are taken care of is to obtain a Whole Life policy through RGEA and AMBA. This policy offers a financial safety net and can help cover final expenses for your family. Additionally, it features guaranteed acceptance with no medical exams or health questions required! Joining is simple—you can purchase your policy online. Plus, it includes a no-obligation 60-day return policy. Learn more about Whole Life Policies through AMBA and your association at www.AMBAlifeinsurance.com/ncrgea or call 800-956-1228.

Source: https://www.fidelity.com/learning-center/personal-finance/estate-planning#:~:text=Inheriting%20a%20property%20comes%20with,potentially%20eliminating%20capital%20gains%20tax