Author Archive

Advantages and Disadvantages of Young Adults (Under 26) Staying on Their Parents’ Health Insurance

Kaylon Walton 2025 April, Benefit Spotlight March 7, 2025
Asian senior father and his adult son using laptop computer while sitting at home

Under the Affordable Care Act (ACA), young adults below the age of 26 are eligible to receive healthcare coverage under their parent’s medical plan.

Dependents are allowed to stay on even if they are married, in college, have kids, are not financially dependent on their parents, and are eligible to enroll in their employer’s plan.

The Pros of Staying on Your Parent’s Plan

Parents who have children over the age of 18 but under the age of 26 might want to consider keeping their child under their healthcare coverage. This could save your adult child hundreds or even thousands of dollars in medical expenses. Most young adults are not familiar in knowing which healthcare option is best for them and usually opt for the costly one. Some post-grad jobs don’t offer healthcare coverage or one that is suitable. Colleges can offer some that are also too pricey.

The Cons of Not Having Your Own Health Coverage

Some health insurance plans may charge high premiums when adding additional dependents. It’s best to compare healthcare coverages offered by your child’s job or college versus your company to see which offers the best coverage at a lower cost. You may want to consider different factors such as any chronic medical condition that your dependent may have as this could mean higher monthly premiums. Some health plan coverages charge for additional dependents added. Having more than one child on your health plan can increase premiums. Also, if your health insurance plan consists mainly of out-of-network doctors, this could also raise the cost of your insurance and out-of-pocket expenses.

Choose What’s Best

If you are considering whether keeping your child above the age of 18 on your health insurance is the best option, here are some key points you must keep in mind before enrolling.

  • Health insurance premiums can increase when adding dependents.
  • Compare the coverages of your family health plan and the one offered by your child’s employer.
  • Dependents with chronic medical issues can increase monthly premiums.
  • Healthy dependents help lower monthly premiums and increase higher deductibles which may allow you to be eligible for a Health Savings Account.

Having your dependent on your health plan can save them a lot of money in the long run. It’s best to look at different plans to see which works best for you and your dependent(s). If monthly premiums are too high with dependents but still seem like the better option, you can always have your child pitch in to cover costs if they are working full time.

Under the Affordable Care Act (ACA), young adults below the age of 26 are eligible to receive healthcare coverage under their parent’s medical plan.

Healthy dependents help lower monthly premiums and increase higher deductibles which may allow you to be eligible for a Health Savings Account.

Source:

https://www.cnbc.com/select/staying-on-parents-health-insurance-plan-under-age-26/

https://www.healthcare.gov/young-adults/children-under-26/

https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/faqs/young-adult-and-aca

https://www.healthinsurance.org/faqs/under-the-aca-can-young-adults-still-remain-on-their-parents-health-plans-until-age-26/

Managing Chronic Pain Is at Your Fingertips

Kaylon Walton 2025 April, Lifestyle and Wellness March 7, 2025
Unhappy mature man feeling bad, suffering from backache, hold his back and can't stand up from sofa. Middle aged male with discomfort and kidney disease sitting alone on couch at home

Chronic pain is pain that can come from any part(s) of the body that lasts for more than three months.

The pain doesn’t have to be consistent; some come and go. There are innumerable causes of pain and sometime can be hard to detect. However, there are many healthcare and lifestyle options available that can improve or make chronic pain more manageable.

Types of Chronic Pain

According to Cleveland Clinic, the most common types of chronic pain recorded are joint pain, back pain, cancer, irritable bowel disease, ulcers, endometriosis, headaches, neck, and nerve pain. The feeling associated with these pains varies from each person as pain is often subjective. If left untreated, the pain can cause other symptoms such as stress, fatigue, anxiety, depression, and irritability. Some may find that it can also affect their finances and relationships.

Healthcare Treatments

Any form of chronic pain should be reported to a doctor. However, everyone’s chronic pain is different, and finding the best treatment plan may take time. Here are some treatment options healthcare professionals may recommend helping deal with specific chronic pain:

Medications

NSAIDs – Examples of these include Naproxen sodium, Ibuprofen, Aspirin, and others. These assist in reducing inflammation and fever. Healthcare providers suggest using NSAIDs to treat certain pains such as arthritis, back pain, toothaches, and menstrual cramps. There are many types and can come in the form of prescription or non-prescription.

Acetaminophen – Examples of prescription and non-prescription brands include Tylenol, NyQuil, Endocet, and others. This is used to relieve mild to moderate pain by cooling the body. Treatment is usually recommended to manage certain pains such as back and muscle aches, fever, and toothaches.

Opioids – Examples of common prescription brands include Morphine, Hydrocodone, Methadone, and others. Opioids are usually prescribed to treat moderate to severe pain. Common pain types that healthcare professionals would recommend when using opioids include post-surgical pain, cancer-related pain, and irritable bowel syndrome. However, because of its high addiction potential, it is usually prescribed less often, in low doses, and for a short period.

Therapy Treatments

Physical Therapy – Physical therapists are a great option for treating areas of weakness or stiffness that are causing pain. The reason a doctor may recommend physical therapy is to help the body become stronger and for the patient to feel better. Physical therapy treatments may offer exercise routines, heat and ice packs, and massages.

Cognitive Behavioral Therapy – Cognitive behavioral therapy (CBT) involves treating psychological responses to pain such as negative thoughts and behaviors. The goal is to help individuals change their perspective about their pain, which may eventually lead to better coping mechanisms. Pain can cause stress, and stress can reduce the pain control chemicals, making the feeling a lot worse.

Other Forms of Treatment

Exercise – Exercise is a common form of treatment for chronic pain. Some chronic pain, such as back and arm pain, are caused by inactivity which leads to stiff muscles and less strength. Not only is exercise good for physical pain but also helps ease mental stress and disorders. Incorporating a variety of exercises like aerobic, anaerobic, and HIIT workouts will help strengthen the body to fight chronic pain.

Diet – Having a balanced healthy diet that consist of whole foods and antioxidants can help decrease inflammation and promote healing. Ultra-processed foods and seed oils found in many restaurants and groceries stores increases inflammation, obesity, diabetes, cancer, and many more health issues. Foods that are rich in antioxidants and other nutrients can assist in fighting or increasing vitamins that some might be deficient in. Doctors may recommend consulting to a dietician to create goals and food plans that can help manage chronic pain.

There are many options of treatment when dealing with chronic pain. The best approach is speaking with a doctor to help identify the source and receiving additional resources they may propose to help manage the pain.

According to Cleveland Clinic, the most common types of chronic pain recorded are joint pain, back pain, cancer, irritable bowel disease, ulcers, endometriosis, headaches, neck, and nerve pain.

Almost 21% of the U.S. population — 51.6 million adults — lives with chronic pain.

Source:

https://my.clevelandclinic.org/health/diseases/4798-chronic-pain

https://www.mayoclinic.org/chronic-pain-medication-decisions/art-20360371

https://my.clevelandclinic.org/health/treatments/11086-non-steroidal-anti-inflammatory-medicines-nsaids

https://my.clevelandclinic.org/health/drugs/21127-opioids

https://www.webmd.com/pain-management/features/cognitive-behavioral

https://www.healthline.com/health/exercises-to-reduce-chronic-pain

https://pmc.ncbi.nlm.nih.gov/articles/PMC7551034/

Why You May Need to Take a Break From Work

Kaylon Walton 2025 April, Lifestyle and Wellness March 7, 2025
Doctor, stress and woman with depression, burnout and overworked in hospital, deadline and tired. Healthcare, medical professional and nurse crying for mistake, depressed and fatigue with anxiety

Deciding whether to take a vacation, staycation, or playcation?

It may be time for you to take a break from your job, routine, or demands of life. The feeling of being overworked is one that many ignore until they experience the symptoms of burnout. Once burnout occurs, its symptoms will begin to appear in your work.

What Is Burnout?

Burnout is the state of physical, emotional, and mental exhaustion that causes a decrease in motivation, performance, and negative attitudes about others and self. The causes of burnout come from being too busy, not taking enough breaks (or any), and having an out of sync work-life balance.

Signs of Burnout

If you’re feeling mentally and emotionally drained, then you’re more likely experiencing exhaustion from your daily routines of life. Exhaustion often leads to having a lack of interest in your work or having negative thoughts about it. Some of the worst feelings that can happen are depression. If your symptoms of depression occur once you think about work, it may be caused by burnout. Becoming irritable and stressed out with coworkers or clients can also be linked to burnout. This could impact your relationship with others, or worse, cause you to lose out on amazing opportunities.

Physical symptoms that come from burnout include but are not limited to high blood pressure, headaches, overeating, using drugs, and lack of sleep. The easiest way to spot whether the physical symptom you’re having comes from burnout is by ceasing your work for a period to see whether your condition improves. There are times when symptoms may not immediately go away and would require the attention of a doctor or clinical therapist who can determine whether symptoms are linked to burnout.

Exhausted young man rubbing eyes in cafe with laptop.

How to Know if You’re Experiencing Burnout?

If you are curious and would like to know if the symptoms you are experiencing comes from being overworked in your daily life, here are a few questions you can answer for a quick self-assessment. Please note that this self-assessment is not to diagnose or confirm whether you are experiencing burnout. If symptoms affect your work, please consult a healthcare professional.

  • Do you drag yourself to work and have difficulties starting it?
  • Do you sense a lack of energy to do your job well?
  • Are you experiencing impatience with those you work with?
  • Do you find it hard to focus on your job?
  • Do your accomplishments at work give you little satisfaction?
  • Are you consuming food, alcohol, or any form of drug to give you contentment during your work shift?
  • Has your sleep routine changed?
  • Do you have physical issues such as migraines and digestive issues with no known cause?

Ways to Avoid or Decrease Burnout

If you are experiencing a burnout, it’s time to lessen its effect, or if you have not yet experienced a burnout, here are some ways you can avoid it altogether.

  • Taking Time Off – Going on a vacation or take a couple days of PTO to have a self-care day are great options to cope or avoid burnout.
  • Exercise Often – Adopting an exercise routine can help reduce stress and take your mind off work.
  • Seek Support – Talking to others about how you feel opens the door for care and comfort. Speak with coworkers, friends, or family members about your problems. Check if your job offers employee assistance or mental health programs.
  • Relaxing Hobby – After a long day of work, coming home to a relaxing hobby such as painting or cooking can ease the tension created by the workday.

To work efficiently at work, you must protect your health. Sometimes that means moving away from work for a brief period so that you can recharge your mind and body. Look for more ways you can mitigate or avoid burnout.

Physical symptoms that come from burnouts include but are not limited to high blood pressure, headaches, overeating, using drugs, and lack of sleep.

Check if your job offers employee assistance or mental health programs.

Source:

https://www.verywellmind.com/why-you-should-take-a-break-3144576

https://www.webmd.com/balance/ss/slideshow-signs-burnout

https://www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/burnout/art-20046642

Key Factors to Weigh Before Donating Your Kidney

Kaylon Walton 2025 April, Lifestyle and Wellness March 7, 2025

Organ donation involves surgically removing any organ from an individual, whether alive or deceased, to give as a donor to someone who critically needs it.

The most common type of organ transplant while living is the kidney. Many who opt to be a kidney donor typically do so for someone in their inner circle such as family or friends. Some may decide that they rather donate through an exchange program for any stranger who may need it. Whatever you decide your reasoning for donating your kidney, there are key factors you should consider before signing up.

Can Anyone Donate Their Kidney?

To become a kidney donor, you must be healthy as examined and determined by your doctor, be 18 years of age or older, and have two healthy kidneys. If you qualify based on the physical requirements, the next process may involve speaking with the donor evaluation team. The team consists of social workers, dieticians, surgeons, coordinators, and advocates.

Hands hold model of human kidney at white body
  • Social workers will evaluate your mental, emotional, and financial health. They may also check to see if you have community support from friends and family before and after the surgery to help with the difficulties that comes with the process.
  • Dietician will check to make sure you have a healthy eating plan and are physically active regularly for your overall well-being.
  • Surgeons will be the ones who conduct your surgery after receiving approval from your doctor.
  • Coordinators and advocates provide the steps needed to have a successful transplant journey and check to see if your decision to do so was voluntary.
Female doctor talking while explaining medical treatment with digital tablet to patient in the consultation.

The Need for Donors

According to Donate Life America, there are approximately 90,000 people in the United States waiting for kidney donation. Those who need a kidney are suffering from end-stage renal disease (ESRD), which is a terminal condition of kidneys that can no longer function. The kidney’s job is to filter out waste from the body, but those who have ESRD cannot filter out the waste and will need dialysis if they cannot obtain a transplant. Dialysis is a complex treatment that consists of using a machine that filters the blood for up to 5 hours, and patients must come to the hospital 3 times a week for treatment. Side effects such as muscle cramps, headaches, low blood pressure, and vomiting are common.

When compared to dialysis, the benefits of a kidney transplant outweigh the cost. Some of those benefits include:

  • Financial stability due to lower treatment cost
  • Fewer dietary restrictions
  • Longer life expectancy
  • Few to no hospital visits
  • Overall better quality of life

Benefits and Risks for Donors

There are several benefits and risks to consider before deciding to donate your kidney. Here are benefits and risks to consider if donating.

Benefits:

  • Satisfaction felt knowing you helped a loved one or someone in need.
  • You can live a normal life with one kidney without complications.
  • If transplant fails or complications happen after surgery, donors are first to receive a kidney.

Risks:

  • Some donors experience regret and mental health decline.
  • Complications from surgery can include but are not limited to blood clots, bacterial infections, scarring, and nerve damage.
  • Living with one kidney can also increase high blood pressure, high levels of protein in urine, and lower the filtering of your kidneys.

Kidney donors have saved the lives of thousands throughout the years. However, the choice of being a donor is not for everyone. It’s best to speak with family, friends, counselors, and mentors to ensure you have support in making the best decision.

Kidney transplants have a 95% successful rate.

According to Donate Life America, there are approximately 90,000 people in the U.S. waiting for kidney donation.

Source:

https://www.kidneyfund.org/kidney-donation-and-transplant/organ-and-tissue-donation/what-consider-donating-kidney

https://donatelife.net/donation/organs/kidney-donation/

https://www.mayoclinic.org/diseases-conditions/end-stage-renal-disease/symptoms-causes/syc-20354532

https://my.clevelandclinic.org/health/treatments/14618-dialysis

https://www.mayoclinic.org/tests-procedures/kidney-transplant/about/pac-20384777

https://my.clevelandclinic.org/health/procedures/7457-kidney-donation

https://nephcure.org/intro-to-rkd/end-stage-kidney-disease/kidney-transplants/

Is Intermittent Fasting Safe for the Heart?

Kaylon Walton 2025 February, Lifestyle and Wellness January 12, 2025
Plate with food and utensils shaped like clock

Intermittent fasting involves scheduled periods throughout the day or week without eating.

It offers numerous benefits to the body and is a popular method for weight loss. However, its effectiveness depends on the type of fasting, as there are pros and cons, and each person’s body is different.

There are various types of fasting. Some methods include:

  • Daily Window Fast – This involves eating between certain hours of the day, such as between noon and 6 pm, or 10 am and 5 pm.
  • Weekly Fast – This involves eating on a regular schedule throughout most days of the week but having one or two days with fewer meals.
  • Prolonged Fast – This involves going without food for more than 24 hours, which can extend up to 40 days with just water.
Hungry sporty woman waiting for the time to eat healthy breakfast after fasting in the kitchen at home

The Benefits of Going Without Food

Many people adopt fasting regimens for weight loss purposes. Omitting food for long hours has been shown to reduce caloric intake, blood sugar, blood pressure, and cholesterol levels. The body begins burning stored fat as fuel rather than the carbohydrates consumed on a regular schedule.

Fasting has also been linked to hinder cancer cell growth. Cancer cells feed on glucose, and without much of it present during fasting, they starve. The body’s cell also conserves energy by metabolizing insulin and removing glucose from the blood. Fasting puts a strain on cells and promotes cell regeneration, also known as autophagy, which works as a vacuum to destroy damage or any abnormal cells.

Shot of hungry sporty woman waiting for the time to eat healthy breakfast after fasting in the kitchen at home

Health Problems Associated With Fasting

A study conducted by the American Heart Association discovered that people who ate in less than an 8-hour window had a 91% higher risk of dying from cardiovascular disease. This risk was found in those already diagnosed with heart disease or cancer. Researchers also noted that time-restricted eating did not reduce the risk of death in these patients.

The study did not analyze the type of foods consumed by participants, as certain diets can greatly contribute to health problems. In summary, the study concluded that fasting provides short-term benefits but can cause long-term health problems.

Prolonged fasting is considered riskier than other short-term fasting. While it is beneficial for insulin levels to decrease, especially for those who are diabetic, it can lead to sodium deficiencies due to the lack of food and excessive water consumption. An abnormally low sodium in the blood is called hyponatremia. Symptoms include nausea, headaches, loss of energy, spasms, and in severe cases, seizures, and coma. Hyponatremia also lowers blood pressure, making the heart work harder to pump blood, which can lead to heart failure.

Yet, it is still possible for people to consistently incorporate prolong fasting into their diet regimen. Dieticians recommend combatting the consequences of prolonged fasting by taking electrolytes to maintain sodium levels in the blood stream. These electrolyte minerals will not increase calories but will keep sodium present in the body.

Should You Fast?

It depends. Although there are many types of fasting, it is important to consult a doctor to ensure that your body can handle long periods without food. Those diagnosed with a health issue should stick to a short-term window fast. If it is your first time fasting, it is best to start by omitting one meal a day rather than restricting all meals so that the body can adjust. Once you find what works best for you, the benefits of fasting can significantly improve your life.

A randomized controlled trial that followed 100 obese individuals for one year did not find intermittent fasting to be more effective than daily calorie restriction.

Source:

https://www.mayoclinic.org/diseases-conditions/heart-disease/expert-answers/fasting-diet/faq-20058334

https://newsroom.heart.org/news/8-hour-time-restricted-eating-linked-to-a-91-higher-risk-of-cardiovascular-death

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7221140

https://www.mayoclinic.org/diseases-conditions/hyponatremia/symptoms-causes/syc-20373711

https://www.healthline.com/health/hyponatremia#symptoms

https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4977071/#:~:text=Patients%20with%20low%20serum%20sodium,=0.008;%20Table%202

https://www.health.harvard.edu/heart-health/can-intermittent-fasting-improve-heart-health

https://www.cancercenter.com/community/blog/2021/06/fasting-cancer#:~:text=Slowing%20cancer%20growth%3A%20Fasting%20may,cell%20membranes%20to%20metabolize%20insulin

https://my.clevelandclinic.org/health/articles/24058-autophagy

Poor Oral Health Can Lead to Heart Disease

Kaylon Walton 2025 February, Lifestyle and Wellness January 12, 2025
Man with toothache

It is well known that diabetes, high cholesterol, and obesity can all lead to heart disease, but what about bad teeth?

People with untreated tooth infections are almost three times more likely to develop heart problems, according to a 2016 study. Although researchers have not found a direct link to claim that poor oral health leads to heart disease, there is sufficient evidence to suggest that infections found in the mouth can be a possible contributor. This was discovered in autopsies of those who passed away from heart-related problems, where a variety of oral bacteria were found in the arteries.

Young woman drinking hot tea or coffee and feeling toothache, sitting in swing at home in living room.

How Are Bad Teeth Linked to Heart Disease?

Bacteria in the gums – Gum disease (periodontal disease) is inflammation of the gums, causing soreness, tenderness, and bleeding. Bacterial infection can enter through the gums and blood vessels connected to the heart valve. Once the bacteria reach the inner layer of the heart valve, it places pressure on the heart to pump blood, leading to a life-threatening heart condition known as bacterial endocarditis.

Tooth infection – A tooth infection, such as periapical abscess, is a pocket of infected pus that is formed in the dental pulp. The pulp house blood vessels, nerves, and connective tissues. When left untreated, the infection can spread to the heart via blood vessels, interrupting blood supply and increasing the risk of coronary heart disease.

Cavities and other types of tooth decay – Tooth decay, such as cavities, can lead to atherosclerosis or clogged arteries. This occurs as the tooth decays due to unaddressed cavities, allowing bacterial infection to enter through the gum and blood vessels. This causes blockage of blood flow as fats and other substances builds up in the artery walls, potentially leading to death or disability.

How to Prevent Heart Disease Linked to Bad Teeth?

To prevent dental infections that can lead to heart disease, doctors recommend maintaining healthy oral hygiene paired with a nutritious diet and exercise. This reduces the chances of heart disease caused by dental infections but does not eliminate the risk entirely. Genetics, alcohol, and air pollution are other known risk factors related to heart disease. Here are some helpful hygiene and lifestyle tips for maintaining healthy oral hygiene:

  • Brush and floss teeth at least twice a day.
  • Consume less sugary and acidic foods and drinks.
  • Avoid smoking and tobacco products.
  • Schedule routine dental checkups every six months.
man brushing teeth in bathroom

Although poor oral health is not the number one risk factor for heart disease, doctors still recommend that patients take good care of their teeth to prevent other diseases and infections and for an overall great smile.

ADA recommends seeing a dentist twice a year.

Source:

https://my.clevelandclinic.org/health/diseases/24099-rejection-sensitive-dysphoria-rsd

https://www.webmd.com/add-adhd/rejection-sensitive-dysphoria

https://www.psychologytoday.com/us/blog/friendship-20/201907/what-is-rejection-sensitive-dysphoria

https://www.healthline.com/health/mental-health/rejection-sensitive-dysphoria

https://psychcentral.com/adhd/what-is-rejection-sensitive-dysphoria

https://www.verywellhealth.com/rejection-sensitive-dysphoria-5224953

https://neurodivergentinsights.com/blog/how-to-deal-with-rejection-sensitive-dysphoria

https://www.npr.org/2023/11/03/1200586419/why-rejection-hurts-so-much-and-how-to-cope

The Great Outdoors and Black Mental Health

Kaylon Walton 2025 February, Lifestyle and Wellness January 12, 2025
Woman running outside

Spending time outdoors plays a significant role in reducing and improving mental health.

Studies have found that time spent outside in a natural environment regulates the sympathetic nervous system, helping to decrease a myriad of mental health issues such as stress, PTSD, depressive disorders, and ADHD — many of which are top issues plaguing the Black community.

In a 2021 survey on Outdoor Participation trends taken after COVID-19 lockdowns, it was reported that only 9% of Black people spend time outdoors for recreation purposes, compared to 72% of White people. Blacks also held the lowest participation rate, with only a 0.3% annual increase from the past three years.

Why Aren’t More Black People Spending Time Outside?

Systemic Inequities – Some researchers have theorized that Black people spend less time outside due to psychological pain caused by a prolonged history of stigma and discrimination. Urban environments of the 19th to 20th century were filled with unsafe living conditions and were known to house people of color and immigrants, while clean and green environments were reserved only for white people. In 1931, recreational parks such as the California State Park Commission sought to preserve their grounds for the “Nordic” race. Proponents of eugenics and conservationists believed that Nordics were more capable of controlling wilderness environments, while those they deemed inferior were incompetent. The opening of the National Park Service in 1916 prohibited admissions to Black Americans. Although Jim Crow laws were removed in 1965, many national parks, pools, campgrounds, and beaches in the South maintained segregation practices, leaving small, unappealing sections of recreational spaces for Blacks. Today, statistics show that many Black Americans live in polluted inner-city environments with fewer trees and less grass. This contributes to mental health issues and limits accessibility for Black families to enjoy the benefits of nature.

Misconceptions – There is a common false belief that “Black people don’t hike.” Since the beginning of time, every racial and cultural group have vastly engaged in the great outdoors, whether for survival or leisure. Notable African American figures who participated in outdoor ventures include hiker Robert Taylor and surfer Nick Gabaldon. In the past decade, numerous nonprofit groups focused on increasing Black people’s involvement in outdoor activities has emerged. These groups aim to dismantle stigmas and stereotypes about Black people spending time in nature and provide opportunities to combat mental health problems.

Ways Nature Can Improve Mental Health

In recent years, conservationists and other environmental activists have protested for more green spaces in urban areas. Studies conclude that people who live near green spaces are more physically fit, happier, and likely to live longer. Here are some more ways nature benefits mental health:

  • Stepping outside even for only five minutes can significantly improve emotional well-being.
  • Receiving direct sunlight can help improve sleep and decrease depression symptoms.
  • Being outside promotes the motivation to exercise.
  • Spending time in nature, whether by picnicking or by going for a walk, encourages relaxation and focus.
  • Nature promotes civic engagement and nurture social connections, such as community gardens.
Happy peaceful man relaxing in the forest

For more information about the Black Nature Conservation nonprofits, visit https://www.braidedseeds.org/bipoc-resources-blog/blackoutside.

Stepping outside even for only five minutes can significantly improve emotional well-being.

In a 2021 survey on Outdoor Participation trends taken after COVID-19 lockdowns, it was reported that only 9% of Black people spend time outdoors for recreation purposes.

Source:

https://outdoorindustry.org/wp-content/uploads/2015/03/2021-Outdoor-Participation-Trends-Report.pdf

https://pubmed.ncbi.nlm.nih.gov/22270487/

https://www.thementalhealthcoalition.org/black-mental-health-roadmap/?gad_source=1&gclid=CjwKCAjwreW2BhBhEiwAavLwfB1DO6Y_O-l03LS-5OR59PRydUhFjX6M6JUIvr8f8XkfXhcIVyPyuRoCmnwQAvD_BwE

https://www.cnn.com/2021/12/14/us/national-parks-history-racism-wellness-cec/index.html

https://www.nyhistory.org/blogs/redwoods-and-hitler-the-link-between-nature-conservation-and-the-eugenics-movement

https://www.americantrails.org/resources/the-arch-of-history-is-long-but-it-bends-towards-justice

https://appalachiantrailhistory.org/exhibits/show/african-americans-on-the-appal/robert-taylor#:~:text=Robert%20Taylor%20is%20a%20relatively,with%20various%20people%20and%20magazines

https://www.smconservancy.org/wp-content/uploads/2015/06/Nick-Gabaldon.pdf

https://www.healthline.com/health/health-benefits-of-being-outdoors

https://www.epa.gov/G3/green-streets-and-community-open-space

Lifestyle Spending Accounts

Kaylon Walton 2025 February, Benefit Spotlight January 12, 2025
Woman enjoying herself in a café

A Lifestyle Spending Account (LSA) is a flexible benefit offered by employers to employees, designed to cover a wide range of personal well-being expenses that are not typically included in standard benefits packages.

Unlike traditional benefits like health insurance or retirement contributions, LSAs give employees the freedom to use a set budget for a variety of wellness-related or lifestyle-related activities, often beyond what’s covered by conventional benefits.

Common Uses for an LSA

  • Fitness and wellness: Gym memberships, fitness classes, personal training, or wellness apps.
  • Healthy eating: Subscriptions to healthy food delivery services or nutritional counseling.
  • Home office supplies: Desk chairs, ergonomic equipment, or other home office setup needs.
  • Travel: Fitness retreats, wellness vacations, or even transportation-related costs like commuting.
  • Professional development: Courses, seminars, or subscriptions for educational resources.

Key Features

  • Flexible: Employees can choose how to spend the funds within certain categories.
  • Annual or quarterly allowances: Employers may allocate a set amount of money each year or quarter for employees to spend on these approved services or products.

How Is an LSA Different From an HSA or FSA?

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can only be used for IRS-approved expenses such as medical copays, eyeglasses, or dental care, whereas Lifestyle Spending Accounts have fewer restrictions. The main difference, however, is that expenses submitted for reimbursement through a Lifestyle Spending Account are taxable to you. What does that mean? The reimbursed amount is considered income and is therefore subject to the same taxes as your normal wages. (In other words, your reimbursement will be the amount of the expense minus taxes.)

Girl on sofa with computer

Supporting Veterans’ Mental Health

Kaylon Walton 2024 November, Lifestyle and Wellness October 12, 2024
Veteran talking with doctor

Veterans’ mental health in the United States is a significant concern due to the unique challenges and stressors faced by individuals who have served in the military.

Post-traumatic stress disorder (PTSD), depression, anxiety, suicidal thoughts or ideation, substance abuse, homelessness, and traumatic brain injury (TBI) are some of the conditions impacting the mental well-being of veterans. These conditions can arise from combat experiences, exposure to violence, prolonged separation from family, and the challenges of transitioning back to civilian life.

The Department of Veterans Affairs (VA) is the largest provider of mental health services for veterans in the country and provides mental health services and care to many veterans — including individual and group therapy, medication management, PTSD treatment programs, substance abuse counseling, and suicide prevention services. Additional resources are also available through an employer’s medical plan. But access remains a challenge for some due to long wait times, location, and fear of the stigma associated with seeking treatment for mental health.

That’s why it’s essential to continue the ongoing efforts to improve mental health care and support services for veterans, as well as to raise awareness and reduce the stigma surrounding mental health issues within the veteran community.

 

Other Available Resources

Anxious male veteran waits for meeting to begin

The Veterans Crisis Line is a free, confidential resource available 24/7 to veterans, service members, and their families. It provides immediate support and crisis intervention via phone, text, or online chat. Contact the Veterans Crisis Line at 800-273-8255 and press 1, text 838255, or chat online at veteranscrisisline.net.

Numerous nonprofit organizations and community-based groups provide support and resources tailored to veterans’ mental health needs, including the Wounded Warrior Project and Give an Hour, which offers free mental health services provided by volunteer professionals.

Cheerful female soldier discusses improvements with therapist

Peer support programs connect veterans with fellow veterans who have experienced similar challenges and can offer understanding, empathy, and practical advice. Peer support groups may be facilitated by mental health professionals or organized informally within communities.

It’s important for veterans and their loved ones to seek help when needed. Overcoming the stigma associated with mental health issues and reaching out for support are essential steps toward healing and recovery.

Source:

https://www.research.va.gov/topics/mental_health.cfm
https://mentalhealth.va.gov
https://www.ptsd.va.gov
https://www.ncbi.nlm.nih.gov/books/NBK572092/
https://www.va.gov/health/
https://www.mentalhealth.va.gov/about/data-reporting/index.asp
https://www.research.va.gov/topics/mental_health.cfm
https://www.mentalhealth.va.gov/docs/data-sheets/2023/2023-National-Veteran-Suicide-Prevention-Annual-Report-FINAL-508.pdf
https://www.mentalhealth.va.gov/get-help/index.asp
https://www.usa.gov/veterans-mental-health
https://www.woundedwarriorproject.org
https://giveanhour.org/va-partnership/

Tackling Medical Debt

Kaylon Walton 2024 November, Lifestyle and Wellness October 12, 2024
Stethoscope on top off 100 dollar bills

Medical debt is a significant issue in the United States, affecting millions of individuals and families each year. It’s one of the leading causes of personal bankruptcy in the United States.

It’s one of the leading causes of personal bankruptcy in the United States. In fact, many bankruptcy filers cite medical bills as a primary reason for their financial distress.

Healthcare costs in the USA are among the highest in the world, and even individuals with health insurance coverage may face substantial out-of-pocket expenses, including deductibles, copayments, coinsurance, and non-covered services. Additionally, individuals without health insurance are particularly vulnerable to accruing significant medical debt.

Close-up of piggy bank with stethoscope on table

Accruing Medical Debt

Despite efforts to expand access to health insurance through programs like the Affordable Care Act (ACA), millions of Americans remain uninsured or underinsured, meaning they have inadequate coverage to protect them from high medical expenses. For these individuals, even routine medical care can result in financial hardship.

Patients may incur unexpected medical bills when they receive care from out-of-network providers, even if treated at an in-network facility. Surprise medical bills can result in significant, unforeseen expenses that contribute to medical debt.

Medical debt can have serious financial consequences for individuals and families, including damage to credit scores, difficulty obtaining loans or mortgages, wage garnishment, and even bankruptcy. Medical debt can also exacerbate existing socioeconomic disparities and contribute to financial instability.

Medical debt collectors may employ aggressive tactics to recover unpaid bills, including repeated phone calls, letters, and threats of legal action.

While there have been efforts made to address medical debt in the USA (including policy proposals to expand access to affordable health insurance coverage, increasing transparency in healthcare pricing, capping out-of-pocket expenses, and implementing regulations to protect consumers from surprise medical bills) medical debt remains a challenge.

Here are a few steps you can take to help alleviate or protect yourself from unexpected medical debt:

  • Maintain your health insurance coverage.
  • Familiarize yourself with the details of your health insurance plan so you understand what is covered and what you’re responsible for — including deductibles, copayments, coinsurance, coverage limits, and out-of-network benefits.
  • Get from healthcare providers who are in-network with your insurance plan whenever possible so you can take advantage of their negotiated rates.
Caucasian mother and daughter at home, paying monthly bills
  • Always ask about costs — including physician fees, facility fees, diagnostic tests, and medications — before undergoing a treatment or procedure. You can also request an estimate of costs and verify coverage with your insurance company to avoid surprises.
  • Discuss options for negotiating a bill or setting up a payment plan if you receive a bill you can’t afford to pay in full. Some providers may work with patients to arrange payment schedules or offer discounts for prompt payment.
  • Look into providers who offer financial assistance programs for patients who are uninsured or underinsured and unable to afford their medical bills.
  • Take advantage of HSA and FSA plans through your employer or health insurance plan if they are available and make sense for you and your family. These can help you budget for healthcare costs and reduce your taxable income.

Taking proactive steps to understand your healthcare coverage and communicating with healthcare providers can help avoid and reduce medical debt and protect your financial well-being.

Source:

https://www.kff.org/health-costs/issue-brief/the-burden-of-medical-debt-in-the-united-states/
https://www.debt.org/bankruptcy/medical/
https://www.whitehouse.gov/briefing-room/statements-releases/2022/04/11/fact-sheet-the-biden-administration-announces-new-actions-to-lessen-the-burden-of-medical-debt-and-increase-consumer-protection/
https://www.npr.org/sections/health-shots/2024/03/01/1234998635/why-a-financial-regulator-is-going-after-health-care-debt
https://www.investopedia.com/personal-finance/medical-debt-what-do-when-you-cant-pay/
https://www.consumerfinance.gov/about-us/blog/know-your-rights-and-protections-when-it-comes-to-medical-bills-and-collections/

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