Archive for the ‘Glasses Insurance’ Category

In the United States, comprehensive coverage is a coverage that applies to any damage to your vehicle except damage caused by a collision. This coverage will most probably be required by the loan company if you have a car loan. It will also most likely be required by the lessor if you lease your vehicle.

Comprehensive coverage is well-named, because it is fairly “comprehensive” that is, all inclusive. It is extremely broad. Because it is an “all peril” type of coverage, it works in your favor in the event of a claim. The insurance company would have to show specifically where the damage to your vehicle is excluded as opposed to you having to show the insurance company where the cause of the damage is specifically included.

There will typically be a deductible for comprehensive coverage. However the deductible is often, though not necessarily, less than the collision deductible.

Glass breakage is one of the common perils covered by comprehensive. It will pay to replace your windshield (or any other glass, for that matter) if it is broken, less your deductible. Many companies have a provision that if your windshield is only cracked and not broken, you can have it repaired with no deductible: in other words, you can get it repaired with no out of pocket expense.

Another common occurrence covered by comprehensive coverage is collision with an animal. If you hit a pheasant or a deer, for example, that is considered comprehensive coverage, not collision.

Some other things covered by comprehensive include flood, fire, hail and theft. It is important to note in the event of theft coverage, however, typically ONLY the vehicle itself or items that are a part of the vehicle itself are covered by theft: personal property left in your car at the time the entire car is stolen are generally covered by your homeowner’s policy, not your auto policy.

Many companies will allow you to carry comprehensive coverage without also carrying collision coverage, although the reverse is not necessarily true. Unlike collision coverage, filing a comprehensive claim will most likely not affect your insurance rates. In a collision, there’s always a question of fault. But it’s hardly your fault if your car gets hailed on.

Comprehensive coverage is generally worth having especially if you live in a part of the country where hail, flood, or hitting a wild animal are commonplace occurrences. As always, though, insurance coverage varies company to company and state to state, so you should consult an insurance agent licensed in your state before making any coverage decisions.

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.


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.


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.

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.

Eyes are a gateway to the panorama of the world around us. Eyes constitute one of the most important senses of the human being. Though it is difficult to maintain a 20/20 vision, yet it is one of the most important sections of our very existence. Hence, it is essential to take utmost care to upkeep it in a healthy state. Vision insurance
can facilitate you in this endeavor. ‘Vision insurance’ is a comparatively new chapter in the world of insurance. Often, health insurance
does not encompass vision insurance as a part of coverage. Considering the expenses of glasses, lazer surgeries, and contact lenses; vision insurance is definitely a good idea.

This form of insurance usually does not constitute as a part of a regular health insurance. With the rising expenditure involved in the upkeep of your eye, vision insurance plays an important role to settle these expenses at an economical magnitude. Vision insurance is not like other forms health insurance which can take care of unexpected expenses. It is more like a package of discounts which you can get when you indulge in vision care like eye wear or eye check ups. Vision insurance basically covers expenses on eye examination, lenses, frames, and contact lenses.

There are usually two plans encompassed in vision insurance.

First plan comprises of the basic eye care relief. It does not include extensive and high-priced eye treatment.

Second plan comprises coverage for eye surgeries like LASIK surgery or any other retinal or cornea surgery. Such plans may generally demand a substantially higher premium.

In accordance to your convenience and requirement you can opt for either of plans.

With the emergence of online insurance providers
, applying for vision insurance has become fast and convenient. Not only that, you can also scan through various quotes which assist you in deciding upon the appropriate vision insurance. It is always advisable to scan through various available vision insurance options and not haste your way. It can fetch you competitive price tags and, even desired benefits to match your parameters. Acquaint yourself with the terms and conditions of the insurance provider; you are likely to have an agreement with. This approach would be beneficial in averting any future confusion as per the coverage included in your vision insurance and other concerning matters.

Most of the insurance providers enlist a selection of doctors and clinics where you can embark upon eye-check ups, and other eye-related benefits. It is a good idea to procure this list to chalk out your eye care schedule.

Protect yourself and your family from exorbitant eye treatment with vision insurance. It can assist you to pave a way to a prospective wise health decision.

For many, insurance is nothing but a sheer unnecessary blockage of money. They think that insurance is actually a waste of money. But what they also know is that they need at least some kind of policy to keep them protected in case of any unforeseen circumstances. But different people have different ways of looking at insurance. It’s just like if you see a glass of water half empty or half full.

Look at it in any way, health insurance turns out to be a advantageous. If you take out a health insurance policy but are not able to use it means that you are in a very good shape and that you have very well maintained your health. And if in case you suffer from any health problem, a health insurance helps you in paying off all the hefty medical bills which can otherwise cause a big big hole in your pocket.

But there are two golden rules which need to be taken under consideration before choosing the right health insurance for yourself. The first rule is to be a good shopper. Shop around to find the best possible health policy. A health insurance is a commitment for life and it should be given only in trusted hands. One error in judgment and your life is at stake.

Shopping around for the best possible health insurance can be a tough job. But with the advent of internet, this job has been simplified to a large extent. But be careful while shopping around because health insurance is one of the most complex policies to understand. Also, it is very important to read all the terms and conditions thoroughly before signing on the dotted line. The small font of these rules can be a big put-off but mind you, those little words have a lot of meaning hidden inside them. Many people ignore these terms and conditions and end up losing their hard earned money. Also, one more thing to remember is that affordable heath insurance doesn’t mean a cheap and a useless one. The policy should be according to your health as well as budget needs.

The second golden rule is to seek advice of an expert because zeroing in on a particular policy. A local insurance broker is perhaps the best expert you can get. He is perhaps the best in explaining you the various types of policies and how they will affect you. Also, many times, the terms and conditions of some policies are very confusing for the common man. So instead of asking your friends or relatives for help, it is always better to refer to an expert. Also, if you are suffering from any ailment like asthma, etc, you will have to pay a higher premium as compared to a healthy man.

The objective of every insurance firm is to earn profit. So they introduce new and new policies to lure its customers. But it is upon the customer to choose the right policy and make full use of it.


Contact lenses are optical medical devices, just as spectacles are, and often provide cosmetic and optical advantages over them. The more than 35 million people in the United States who have opted for contact lenses over the use of glasses have done so because of their convenience, and cosmetic value. Many people initially feel discomfort when starting to use contact lenses, but the benefits of using them far outweigh these minor discomforts.

The Short History Of Spectacles

The invention of spectacles has greatly influenced progress in the arts and sciences, yet it is not very clear who invented this instrument. In 1270, Marco Polo saw elderly Chinese using this device, which they claim to have originated in Arabia in the 11th century.

The spectacles evolved in the western world from the late 1200s onwards, with riveted spectacles used by monks and scholars, who held the lenses in front of there eyes, or balanced them on their noses. The invention of the printing press in 1452 encouraged the mass production of spectacles, along with the growing popularity of books. For the lower and middle classes, there were spectacles mounted in wood, horn, bone, etc, whereas the upper classes used hand held spectacles in gold or silver frames.

The significant advancement in frame design occurred in the 1600s, with rigid bridges that allowed the spectacles to remain in place. In the present times, there has been a tremendous progress in frames and lens acuity, with the spectacles, whether plain or prescription, becoming a fashion statement.

The Short History Of Contact Lenses

If you are of the view that contact lenses are a new invention, you are way off the mark. Leonardo Da Vinci first described and sketched his ideas of contact lenses way back in 1508! However, it took more than 300 years to fabricate and wear them.

Swiss physician A.E. Fick and Paris optician Edouard Kalt are credited with fitting the first contact lenses, in the late 1800s, for myopia and hyperopia. These heavy glass lenses could be used for a few hours of wear only.

Plastic came into use in 1936, when William Feinbloom, an optometrist in New York, made contact lenses with the central portion of glass surrounded by plastic in the periphery that covered the sclera. 1948 saw a Californian optometrist, Kevin Tuohy produce contact lenses completely made of plastic.

The same year, George Butterfield, an optometrist from Oregon, improved upon Kevin Tuohy’s design with lenses that matched the shape of the cornea, and would not easily pop off. These lenses have evolved to the present soft contact lenses, which are worn by more than 90% of the contact lens wearers in the United States.

Contact Lenses vs. Glasses

Contact lenses offer functional advantages over glasses in areas, such as sports, work – in humid environment, and in occupations where spectacles are inconvenient and not compatible with the equipment used, such as special headgears. Let us look at some of the advantages that contact lenses offer over glasses:

Natural Vision – As they are worn right on the cornea of the eye, contact lenses provide vision that is more natural. The objects appear in the correct size and position, without any distortion. The distance between the eye and the glasses can vary, causing the objects to appear larger or smaller than they actually are.

Stable Vision – Contact lenses are not affected by quick body movements, such as in sports and similar activities, and remain in place, providing clear and stable vision. Eyeglasses are unstable on your face when running, making your vision unstable, affecting your performance.

Peripheral Vision – Contacts give you a wider and better peripheral vision that glasses. Contact lenses move along with your eyes and you are always looking through the clearest part of the lens – the optic zone. On the other hand, the frames of the glasses block your peripheral vision, and when you move your eyes to the side, you are no longer looking through the optical center, causing blurred and distorted vision.

Unaffected By Weather – Contact lenses do not fog up when you come in from the cold, and neither do they get splattered by rain. In addition, they do not steam up from body heat or perspiration.

Comfortable – Contact lenses are quite comfortable to wear as they do not pinch your nose, or rub or press against your ears and temple, unlike glasses, which, in addition, slide down your nose when you perspire.

Contact lenses have been a boon for children in one particular sense. They do not get picked on at school by their friends. This relieves them from the psychological and physical traumas related to wearing glasses.

Glasses, at times do not work, and contact lenses are certainly superior to them:

Thick glasses are required in cases of severe short sightedness, making them very heavy, and your eyes look very small.

Glasses do not provide adequate correction when the difference between the visual acuity of your eyes is more than 2.5 diopters – a unit of measurement of the refractive power of lenses.

After cataract removal, your eyes need a special protection, which only contact lenses can provide adequately.

With improvements in technology, a wide variety of contact lenses are available, both for ophthalmic, as well as cosmetic uses. People who normally wear glasses can easily and safely shift to wearing contact lenses. People had many misgivings about using contact lenses, and opted for glasses, but these are no longer hold true.

There was a time when contact lenses used to pop out, and this was during the time when contact lenses were hard lenses. Today, there is no ‘popping’ out with the introduction of soft contact lenses. These soft contact lenses conform to the shape of the eye, and do not move or pop out.

Another myth of contact lenses being expensive is not correct. These are less expensive than many of the designer frames that are available today.

Follow the instructions of the manufacturers to take care of your contact lenses, to enable them to provide you with clear and healthy vision.

The”> first thing to do is to ensure that all points of contact are tight and firmly connected so check each screw to make certain that it is tight. This will ensure that any further adjustments not only work correctly, but also stay in place for a reasonable amount of time. The usual symptom of having a screw loose is that the sides of the frame become loose and floppy on your face so that is always a good place to start.All frames have some metal running down the centre of them, and it is this that needs to be bent back into shape thats one of its purposes ! The difficulty is that the metal is often coated or surrounded n plastic or acetate that is prone to cracking or breaking when bent.In the case of metal frames, the glasses can be made to sit higher or lower on the face by adjusting the nosepads inwards or outwards. Again, take care and do each one alternatively and incrementally so that you can measure the result from each tweak and adjust accordingly. Plastic frames generally do not have nosepads.

If the glasses are sitting on your face comfortably, but are not straight or level on your face, it is likely that one side is bent up or down relative to the other side. To best remedy this, firmly grasp at the hinge and then gently bend. Be careful however, as considerable force is sometimes required, and this is a natural weak point in spectacles, and so they can break here quite easily. Be firm with positive force rather than quick jerky movements.

Eye lasik surgery is a form of surgery which is done over the eyes. Eye lasik surgery is simply a procedure which is considered as effective for an individual who is virtually dependent upon the constant use of spectacles and contact lenses. The full form of LASIK is Laser-Assisted in Situ Keratomileusis. Eye lasik surgery is basically a procedure which is designed to make a specific and a permanent change to the contour of the cornea. Even the clear covering of the upper portion of the eyes can be removed through eye lasik surgery. Eye lasik surgery is done extensively with the paramount excimer lazer use.

Immense success has been fostered in the process of Eye lasik surgery, but yet it involves certain amount of risk. It is basically advisable to know about the risks and the complications which might crop up after the Eye lasik surgery has been performed. Some of the probable risk factors which are related with Eye lasik surgery are vision loss, continuance of glasses, severe dry eye problem, lack of proper far sighted vision etc.

In order to undertake Eye lasik surgery, the procedures needed are as firstly, the eyes are provided drops of anesthetic. Secondly, a thin flap over the eyes is removed by the surgeon performing the surgery which is helpful in relieving the inner portion of the tissues which covers the cornea. Thirdly, cool computer proscribed pulses are applied in the inner part of the cornea. Fourthly, after this the flap which has been removed is again gently placed in its original place. Irritation at the initial stage is quite common but later on there is the gradual reduction of the complications which might have been caused due to the Eye lasik surgery.

I would like to add something out here. As I myself is a constant user of contact lenses, I sometimes feel like to opt for Eye lasik surgery and just get rid of its use forever. But while I made planning for it, I sat over the internet and made a study of all the signs and symptoms related to Eye lasik surgery and the precautionary measures which is needed to be followed for Eye lasik surgery. But the consequences which sometimes follow Eye lasik surgery had made me to think over the plan once again. But I am quite determined in this respect that when the right time comes for me to undergo Eye lasik surgery, I will definitely go for it.

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