Archive for November, 2010


Our eyes are the most beautiful possessions that God has given to us. Without this priced possession we will never be able to view and cherish the wonders of this breathtaking world. Thus taking good care of our eyes is one of our primary responsibilities. Along with our own eyes, our loved ones’ eyes also need constant care and checkups. But together with the rise in other consuming goods and facilities, the cost of eye care treatments and facilities are also in rise. This is where we need a proper eye care medical insurance.

No doubt there is a tremendous advancement in technology. This technology has given us computers, television, laptops etc, which has made our lives mush more comfortable and easy. But every coin has two sides, so also the impact of technology has two sides – one positive and the other negative. We have discussed about the positive sides, but its negative effects cannot be underestimated.

Too much indulgence in computers and television can bring a great danger to your precious eyes. This is where the need for regular eye care facilities has come up. With the increase in eye problems, eye care medical treatments are also on a rise. Now, with eye care medical insurances your tensions of paying for high cost eye treatments will vanish in thin air

Eye care medical insurance is different from normal health insurance policies. Eye problems are generally predictable. Therefore eye care medical facilities do not cover emergency treatments.

There are usually two plans that come under eye care medical insurance.

The first plan comprises of the basic eye care relief or treatment. But it does not include the cost of extensive or any high-priced eye treatment. This is covered under the second plan.

The second plan therefore comprises coverage for eye surgeries like LASIK surgery or any other retinal or cornea surgery. Such plans may generally demand a substantially higher premium than the first plan.

Most vision insurance plans require you to get your check-ups from optometrists registered with the insurance company. Your prescription glasses also need to be bought from the opticians who are included in the specific network stated by the insurance company.

No doubt there is a tremendous advancement in technology. This technology has given us computers, television, laptops etc, which has made our lives mush more comfortable and easy. But every coin has two sides, so also the impact of technology has two sides – one positive and the other negative. We have discussed about the positive sides, but its negative effects cannot be underestimated.

Too much indulgence in computers and television can bring a great danger to your precious eyes. This is where the need for regular eye care facilities has come up. With the increase in eye problems, eye care medical treatments are also on a rise. Now, with eye care medical insurances your tensions of paying for high cost eye treatments will vanish in thin air.

Eye care medical insurances come in group, family or individual categories. Most of the times it is an employer that provides for eye care medical facilities. But it can be bought by individuals for himself or his family.

It is one of the most important jobs to compare various quotes available in the market of vision insurance. Almost all companies now have internet facilities and they have provided all information in the net. All you have to do is go online and search for the perfect quote that will suit you and your family members.


The prospect of having clear vision without spectacles or contacts can be almost irresistible. Today LASIK surgery has made this a very real possibility for millions across the world. However, if you are toying with the idea of getting this surgery done, then here are a couple of things you need to know.

Stop using contacts

You will need to be prepared to stop wearing contacts at least 1-4 weeks before the actual LASIK surgery date. Gas permeable lenses require the most time out of lenses. Extended wearing of lenses can alter the corneal shape which can impact the results of surgery.

No more makeup

Yes, you will need to stop using perfume or makeup or even cream bases the day prior to LASIK surgery. With these products debris can cause inflammation, which can lead to haze or scarring.

Other eye diseases must be evaluated

Some eye problems such as glaucoma, or diabetic eye disease can be worsened when LASIK surgery is performed. Your surgeon should perform a careful exam to look for and treat these problems.

It is probably not covered by insurance

There are VERY few insurance policies that cover LASIK surgery. Most surgeons offer financing if you prefer to make payments.

Dry eyes? It could get worse!

If you are suffering from a dry eye condition then LASIK surgery could make it worse. Ideally you will need to get the dry eye condition treated first and then go in for the surgery.

High Astigmatism or severe nearsightedness not 100% corrected

While most LASIK surgery procedures will correct astigmatism and nearsightedness, extremely high degrees of ‘refractive error’ may not be completely corrected. Other surgeries are available if LASIK will not work for you.


Spectacles- the word indicates weak eyes at the most. And the picture created in mind is the heavy rims behind which the tiny eyes nearly disappear (from face)! Yes this was the case but few years back and not now. Spectacles are nowadays not only used as a requirement but also as a fashion statement in today’s techno savvy world. There are many youngsters who want to pocess one just for the state of style. They prefer wearing specs when they go out even if they don’t require one just for making fashion statement. The several designs, colours and trends make it look lucrative for many. Spectacles are very essential for those with poor visions.

History

Spectacles have a back history of Roman times. You can see the pictures of many spectacled men and even have mentions in the several manuscripts of various cultures and religions. Spectacles are actually glass holders that hold glass specially made to correct your focal length and help you see world in a better way. Spectacles were previously made up of glasses with the glass holding in a round rim that had no ear holders. So all you had to do was to attach the glass with the eyes or hold it by hands. With time technology changed not only the way specs were made but also the designs and the glass materials required to make them.

Today

Nowadays not only glass but also special quality plastics are used to make the specs lenses. The spectacles are made up of several ways depending upon their requirements. Concave lens, convex lens, bifocal lens, sunglasses, anti glare glasses, the list goes on. Also the rims have several designs and colours and materials like metals, plastic etc. spectacles have become more of a fashion requirement than a necessity today. Specs enhances your face value, gives you a sophisticated look or soft and sweet look depending upon what kind of rim you are wearing. To know more about spectacles all you have to do is simply Google the word and read the data of the innumerable sites that will pop up with relevant information to satisfy your quest of knowledge.


I did not begin needing and wearing spectacles until I was in my late thirties. Initially I only wore them for reading. However, with the march of time, by my mid forties I needed both spectacles for close work and distance viewing.

This left me in a bit of a quandary. At the time I wasn’t suitable for wearing contact lenses and didn’t want to have to purchase two pairs of glasses, namely one for reading and one for distance. It was not just the cost that was the issue but the inconvenience of having to be taking glasses on and off constantly. My work involves using computers on a daily basis, completing paper work and reception duties. Two pairs of spectacles was, and is, just not practical.

I did not fancy trying bi-focals as friends who had worn them had encountered many difficulties. The optician mentioned vari-focals and I thought I’d give them a try. The lenses of vari-focals are graduated from your distance lens at the top down to your reading part at the bottom. Some people take ages to get used to them but I have never really had any problems.

You need to have your field of vision checked during your eye test to see if you are suitable for vari-focals. I thought that my first pair were a little expensive, but then thinking about it they were cheaper than having to buy two ordinary pairs of glasses.

When you first wear a pair of vari-focals here are a few tips which hopefully may help:-

If you are looking at close work, say a book, do not bring the book up closer to your face in order to focus. If need be bring it closer to your body and look down to read.

Give yourself time to get used to your first pair of vari-focals. You may not get on with them initially but persevere. Most opticians give you a 28 day money back exchange if you cannot get accustomed to wearing yourvari-focals.

Remember to move your head when you need to look to the left or right. If you look to the side of your glasses the view will look blurred. You need to turn your head when looking to cross the road, for example.

Likewise remember to move your head up and down when you need to look up and down.

You will find that the lens necessary for a vari-focal lens has to be a minimum size. This means that some of the fashionable very small lenses are out of the question. Still the ones I am wearing at present are not overly large and are of an oblong shape.

The vari-focal lenses can still have a reflective coating or be reactalite if required.

I also have vari-focal sunglasses which are perfect for holidays in the sun.

I am now onto my 5th pair of varifocals. With the ever racing years and my declining eyesight, I guess this was inevitable. I’m just so happy that vari-focals are available as I would hate the alternatives. I have recently read that vari-focal contact lenses are now available and have thought about checking these out. Just quite how they work though I am not sure.


One of the most widely publicized and hotly debated forms of insurance in America today, health insurance is the subject of intense political and social debate. A rapidly evolving and extremely complex subject, health insurance is also one of the most important benefits offered by many employers.

Types of Insurance

Medical Insurance typically covers and specifies payment levels for doctor visits and treatment, medications, hospital stays, emergency room visits, surgical treatment, and so forth. There are wide variations in coverage plans, with numerous combinations of covered and excluded items, different coverage levels, deductible amounts, and other variables that make it impossible to offer a general statement regarding all coverage plans.

Many employers offer an open enrollment period annually, during which employees may select from different coverage plans. Careful selection of the appropriate plan for each individual is a critical task.

dental insurance is sometimes included in medical plans, but more often it is a separate policy. Virtually all dental plans cover annual or semi-annual cleanings and check-ups, with many plans increasing the covered percentage with regular appointment attendance over time. Routine treatments such as cavity fillings, bridges, and the like, are also typically covered, though the amount of coverage can vary. Braces are sometimes covered for minor dependents, and more rarely for adults. Cosmetic procedures are typically not covered.

Vision insurance is often offered as a separate plan to go along with medical insurance. Vision plans typically cover an annual check-up, with glasses or contacts covered to a pre-determined limit every year or two. Necessary medical procedures to protect or correct eye health are usually covered. At this time LASIK or other corrective procedures are rarely covered.

Managed Care

One of the biggest trends in medical insurance over the past two decades in the United States has been the rise of managed care as a primary delivery model for medical care. Based on the concept of centralized decision making, pooled resources, and efficient delivery of services, Health Management Organizations, or HMOs, do offer economical coverage, often at much lower premiums than privately managed insurance plans. Critics, however, point to longer wait times for appointments, fewer physicians from which to choose, and often the need for specialist referrals as weaknesses of the HMO mode.

Regardless of the advantages or disadvantages of HMOs, it seems certain that this organizational model will continue to grow in popularity.

Medicare and Medicaid

The United States government has, for many years, funded two particular programs to help extend medical coverage to individuals who may not be able to otherwise access the necessary health care. Medicare is designed to help elderly Americans pay for their health care.

More recently, the Medicare Part D program was set up to help the elderly pay for prescription drugs. Medicaid is intended to help impoverished Americans obtain health care; however, with high administrative costs, low reimbursement rates, and an often complicated set of restrictions and requirements, the number of physicians who accept Medicaid has decreased steadily over the past several years.

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