Are you unable to work comfortable on a computer due to eye strain? Its time you start following few steps to make sure you do not suffer from eye strain and complete your work properly. Maintain a functional space for working, the light exposure should be modulated and healthy eyes are few things you should keep in mind.
Basics facts about eye strain one faces the problem of eyestrain when one greatly exerts his eye over a long time period. This can be a result of activities like reading or watching electronically-lit screens.
Eyestrain can result in the following:
• Tension and pain around temples or eyes or headache, backache and neck ache
• Reddening of eyes or drying of eyes
• Fatigue
• Sensitivity towards light
• Headache
• Facing problems while doing visual work
• blurred vision
• Double vision
Eyestrain will not damage your visual system permanently but it can certainly cause problems while you work. Causes behind eye strain are not the same for everyone and the causes may also change for a person with time. Working space set- up which is not adequate, lightening which is not efficient and not enough eye care are some of the main causes of eye strain. Now we shall see how to attend each problem so as to avoid eye strain
Modify the way you work: Eyestrain can be a major problem as it can bring along blurred vision and/or headaches. Modifying ones working habits can be an efficient way to check the problem of eyestrain
Enlargement of text: you have to strain your eyes more to read the text which is small in size in comparison with large text, so try to keep the text large. When you are going through online material or working using text editors, you may magnify the material by using ctrl "+". In case any webpage text is not suitable for you to read it, you can use the text editor you prefer for reading the material. Magnify the article so much so that you are comfortable to read. If it is required for you to look at the screen more closely, squint, or you still cant it the text comfortably, then the text needs more magnification. While doing this, be assured you have a high screen resolution.
Do offline reading: if you read intensely on a computer screen, ultimately you will end up overtiring your eyes. When you have to read any long document or article, you can take a print out of it and don't forget to keep the text size large. This way you can read it by taking your time and in a place where the lightening is good. One more way by which you may decrease reading online is through scanning and searching the web only when you have a purpose.
Don't work continuously: unlike your computer, you are not built for working non-stop. You are expected to take frequent breaks while working so as to regain energy and your eyes also need rest. According to the twenty -twenty rule, you need to take a break for 20 seconds after every 20 minutes of work. During the twenty second break, you need to remove your eyes from the computer screen and stare into some space or thing that is at least at a distance of twenty feet from you. While working in the office it is possible you may not like to show that you are looking elsewhere. In such a case, make short and frequent trips to restroom or water cooler. Be careful not to look towards the fluorescent lights while in the restroom, as they may strain your eyes even more.
Change the position of your monitor: eye lubrication is effected, when you view your monitor as in this situation you blink less often. This can cause drying and reddening of eyes. To check this, you should keep your monitor below the level of your eye. By doing this, there will be no need for you to open your eyes so much and they would be less exposed while you view the monitor. Taking a break often will also be of help. While taking a break, make sure you don't concentrate on your work very hard as this may again result in less blinking than you do in normal situation.
By Patrick Tjandra
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Showing posts with label healthy vision. Show all posts
Showing posts with label healthy vision. Show all posts
Thursday, January 13, 2011
Wednesday, January 12, 2011
Top 4 Reasons to Have an Eye Exam
Many people don't understand the importance of having an eye exam. You find time to visit your family doctor for an annual physical. You manage to take your children to their pre-appointed six-month dental hygiene visits. But are you or your family overdue for a trip to the eye doctor's office? Vision care is often neglected. In reality, how much could we actually accomplish in a day without the precious gift of sight? The eyes function as a window to our bodies. Dilated pupils can reveal the presence of undiagnosed problems throughout the body. Here are four great reasons to schedule a comprehensive eye examination.
1. Visual Acuity
Your prescription needs to be checked on a regular basis to make sure your visual acuity is the best it can be. Annoying headaches or general fatigue are often caused by slight over or under corrections of your prescription. In addition, if you spend more than two hours on a computer each day, you may develop a condition known as computer vision syndrome, or CVS. Symptoms of CVS include headaches, focusing difficulties, burning eyes, tired eyes, eyestrain, aching eyes, dry eyes, double vision, blurred vision, light sensitivity, and neck and shoulder pain. CVS is treated with eyeglasses made for computer users.2. Eye Disease
Many serious eye diseases often have no symptoms. Glaucoma is an eye disease that causes vision loss and is commonly known as the "sneak thief of sight." Conditions such as macular degeneration or cataracts develop so gradually that you may not even realize your vision has decreased. Diabetic retinopathy is a condition that may develop in diabetic patients. Early detection of these and other eye diseases is important for maintaining healthy vision.3. Developmental Problems
Uncorrected vision problems in children often cause learning and reading difficulties or contribute to other medical problems such as dyslexia and ADD. Uncorrected vision in children can often cause amblyopia (lazy eye) or strabismus (eye turn) which can cause permanent vision loss if not treated early in life.4. Eye Fashion Trends
The primary reason for visiting your eye doctor should always be eye health, but there is nothing wrong with having a little fun. Eye doctors who offer eyewear strive to stock the latest fashions and quality eyewear. Lens-making technology continues to improve, as well as scratch-resistant and anti-reflective coatings. If you haven't updated your glasses in a while, you may be pleasantly surprised at the many options available to you today. Sunglasses have also become a fashion accessory...check out your optical for the latest trends and styles.By Troy Bedinghaus, O.D., About.com Guide
SimplyEyeglasses.com Shopping Categories:
Ray-Ban Eyeglasses | Ray-Ban Sunglasses | Prada Eyeglasses | Prada Sunglasses | Gucci Eyeglasses | Gucci Sunglasses | Silhouette Rimless Eyeglasses.
Ray-Ban Eyeglasses | Ray-Ban Sunglasses | Prada Eyeglasses | Prada Sunglasses | Gucci Eyeglasses | Gucci Sunglasses | Silhouette Rimless Eyeglasses.
Thursday, January 6, 2011
UV Eye Safety
We protect our skin with sunscreen, but what about our eyes? Most of us are aware of the dangerous effects ultraviolet (UV) rays have on our skin, but few of us realize the danger imposed on our eyes. UV radiation, whether from natural sunlight or artificial UV rays, can damage the eye's surface tissues as well as the cornea and lens. UV radiation can burn the front surface of the eye, much like a sunburn on the skin.
<b>UV Radiation</b>
UV radiation consists of invisible rays from the sun. There are three types of UV radiation: UVA, UVB and UVC. UVC rays do not pose any threat, as they are absorbed by the ozone layer. However, exposure to UVA and UVB rays can have adverse effects on your eyes and vision. Short- and long-term exposure to these dangerous rays can cause significant damage damage. It is important to note that UV radiation can also be given off by artificial sources like welding machines, tanning beds and lasers.
<b>Short-Term Effects of UV Radiation</b>
If you are exposed, unprotected, to excessive amounts of UV radiation over a short period of time, you are likely to experience an effect called photokeratitis. Photokeratitis is an inflammation of the cornea caused by a brief exposure to UV radiation, usually when combined with cold wind and snow. Like a "sunburn of the eye", it may be painful and may create symptoms including red eyes, a foreign body sensation or gritty feeling in the eyes, extreme sensitivity to light and excessive tearing. Fortunately, this is usually temporary and rarely causes permanent damage to the eyes.
<b>Long-Term Effects of UV Radiation</b>
Long-term exposure to UV radiation can be more serious. Scientific studies and research growing out of the U.S. space program have shown that exposure to small amounts of UV radiation over a period of many years may increase the chance of developing a cataract, and may cause damage to the retina, the nerve-rich lining of the eye that is used for seeing. This damage to the retina is usually not reversible. Cumulative damage of repeated exposure may contribute to chronic eye disease, as well as increase the risk of developing skin cancer around the eyelids. Long-term exposure to UV light is also a risk factor in the development of pterygium (a growth that invades the corner of the eyes) and pinguecula (a yellowish, slightly raised lesion that forms on the surface tissue of the white part of your eye.)
<b>UV Radiation Protection</b>
It is not yet known how much exposure to UV radiation will cause how much damage, but a good recommendation is to wear quality sunglasses that offer good protection and a wide-brimmed hat when working outdoors, participating in outdoor sports, taking a walk, running errands or doing anything in the sun.
To provide protection for your eyes, your sunglasses should:
•block out 99 to 100 percent of both UV-A and UV-B radiation
•screen out 75 to 90 percent of visible light
•be perfectly matched in color and free of distortion and imperfection
•have lenses that are gray for proper color recognition
If you spend a lot of time in bright sunlight, wrap-around frames can provide additional protection from harmful UV radiation by keeping UV rays from reaching the eyes. Also, remember UV eye protection for children and teenagers. They typically spend more time in the sun than adults. Finally, even if you are wearing contact lenses that have UV protection, you still need to wear <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a>. UV rays will likely affect the eye tissue that is not covered by the contacts. Your eyes will be more comfortable, too, with most of the bright light blocked.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
<b>UV Radiation</b>
UV radiation consists of invisible rays from the sun. There are three types of UV radiation: UVA, UVB and UVC. UVC rays do not pose any threat, as they are absorbed by the ozone layer. However, exposure to UVA and UVB rays can have adverse effects on your eyes and vision. Short- and long-term exposure to these dangerous rays can cause significant damage damage. It is important to note that UV radiation can also be given off by artificial sources like welding machines, tanning beds and lasers.
<b>Short-Term Effects of UV Radiation</b>
If you are exposed, unprotected, to excessive amounts of UV radiation over a short period of time, you are likely to experience an effect called photokeratitis. Photokeratitis is an inflammation of the cornea caused by a brief exposure to UV radiation, usually when combined with cold wind and snow. Like a "sunburn of the eye", it may be painful and may create symptoms including red eyes, a foreign body sensation or gritty feeling in the eyes, extreme sensitivity to light and excessive tearing. Fortunately, this is usually temporary and rarely causes permanent damage to the eyes.
<b>Long-Term Effects of UV Radiation</b>
Long-term exposure to UV radiation can be more serious. Scientific studies and research growing out of the U.S. space program have shown that exposure to small amounts of UV radiation over a period of many years may increase the chance of developing a cataract, and may cause damage to the retina, the nerve-rich lining of the eye that is used for seeing. This damage to the retina is usually not reversible. Cumulative damage of repeated exposure may contribute to chronic eye disease, as well as increase the risk of developing skin cancer around the eyelids. Long-term exposure to UV light is also a risk factor in the development of pterygium (a growth that invades the corner of the eyes) and pinguecula (a yellowish, slightly raised lesion that forms on the surface tissue of the white part of your eye.)
<b>UV Radiation Protection</b>
It is not yet known how much exposure to UV radiation will cause how much damage, but a good recommendation is to wear quality sunglasses that offer good protection and a wide-brimmed hat when working outdoors, participating in outdoor sports, taking a walk, running errands or doing anything in the sun.
To provide protection for your eyes, your sunglasses should:
•block out 99 to 100 percent of both UV-A and UV-B radiation
•screen out 75 to 90 percent of visible light
•be perfectly matched in color and free of distortion and imperfection
•have lenses that are gray for proper color recognition
If you spend a lot of time in bright sunlight, wrap-around frames can provide additional protection from harmful UV radiation by keeping UV rays from reaching the eyes. Also, remember UV eye protection for children and teenagers. They typically spend more time in the sun than adults. Finally, even if you are wearing contact lenses that have UV protection, you still need to wear <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a>. UV rays will likely affect the eye tissue that is not covered by the contacts. Your eyes will be more comfortable, too, with most of the bright light blocked.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Monday, January 3, 2011
Vision Insurance
It's no surprise that vision insurance is confusing to most people. Because vision insurance is supplemental to regular health insurance, it's difficult to understand which benefits are included and which ones must be purchased. Is there a difference between medical and vision insurance?
<b>Routine vs. Medical Eye Exams</b>
To understand the difference, one must analyze the different types of eye exams. Even though office visits to an eye care professional are usually categorized as either "routine" or "medical," this terminology has nothing to do with the steps it takes to perform a comprehensive eye exam nor the type of doctor who performs the exam. A comprehensive "routine" vision exam often contains the same elements as a comprehensive "medical" eye exam, and seeing an ophthalmologist doesn't make the exam medical in nature.
The type of eye exam you have is determined by the reason for your visit or your chief complaint, as well as your diagnosis. Routine vision exams usually produce final diagnoses such as nearsightedness or astigmatism, while medical eye exams produce diagnoses such as "conjunctivitis." Most insurance companies focus on the reason for your visit.
<b>Understanding Your Coverage</b>
Insurance companies sometimes handle routine eye exams differently than medical eye exams. Your medical insurance may cover a medical eye problem, but not pay for the exam if it is a "routine" eye exam. Many vision plans provide coverage for glasses and contact lenses, or at least give you some type of discount on the doctor’s fees. Your medical insurance will pay for examinations if you have eye health problems.
Many people with medical insurance have a separate rider policy to cover routine eye exams. To complicate matters more, some medical insurance will cover one routine eye exam every two years in addition to covering an eye exam that is for a medical eye problem. Study your policy closely, as plan coverage varies among insurance companies.
What happens if you have concerns about your eye health but you also need new glasses? Can you have your vision checked even though you have a medical eye problem? The answer, of course, is yes. However, your eye doctor may charge you a refraction fee. Insurance companies usually separate the components of an eye exam, one being the comprehensive exam and the other being the refraction. Typically, vision insurance policies usually cover both the eye exam and the refraction, while medical policies cover the exam only.
<b>A Real-Life Example</b>
Let's say your employer provides both types of insurance -- medical insurance as well as a separate vision plan, such as Vision Service Plan (VSP). You decide that it's time for your annual eye exam because your glasses are falling apart. So you see your eye care professional for a routine eye exam and to purchase new glasses. Your doctor’s office authorizes your benefits so you proceed with the examination. At the end of the exam, your doctor informs you that in addition to a minor prescription change, he found signs of glaucoma. You are instructed to return in one week for additional tests.
Remember that your original reason for the visit had been to have an eye exam and to purchase new glasses. Even though your doctor found signs of glaucoma at the end of the examination, this visit would be covered under your "vision plan" because the main reason for the visit was to get your vision checked for new glasses. But, because at the end of that exam you are considered a potential glaucoma patient, your medical insurance will cover the additional tests and office visits related to the medical diagnosis of "glaucoma suspect."
When time comes for your examination next year, it is possible that you could use your medical insurance to cover your examination, because this year it was determined that you could be at risk for developing glaucoma. This serves as a medical diagnosis with your reason for the visit being "glaucoma suspect."
<b>What You Should Know</b>
Although most eye care practices are very knowledgeable about insurance plans, remember that it is not your doctor's responsibility to know the details of your individual plan. It is to your benefit to be aware of possible deductibles and co-pays that are part of your plan. Your insurance plan may cover routine vision care, but you might end up paying for it anyway if your deductible has not yet been met.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
<b>Routine vs. Medical Eye Exams</b>
To understand the difference, one must analyze the different types of eye exams. Even though office visits to an eye care professional are usually categorized as either "routine" or "medical," this terminology has nothing to do with the steps it takes to perform a comprehensive eye exam nor the type of doctor who performs the exam. A comprehensive "routine" vision exam often contains the same elements as a comprehensive "medical" eye exam, and seeing an ophthalmologist doesn't make the exam medical in nature.
The type of eye exam you have is determined by the reason for your visit or your chief complaint, as well as your diagnosis. Routine vision exams usually produce final diagnoses such as nearsightedness or astigmatism, while medical eye exams produce diagnoses such as "conjunctivitis." Most insurance companies focus on the reason for your visit.
<b>Understanding Your Coverage</b>
Insurance companies sometimes handle routine eye exams differently than medical eye exams. Your medical insurance may cover a medical eye problem, but not pay for the exam if it is a "routine" eye exam. Many vision plans provide coverage for glasses and contact lenses, or at least give you some type of discount on the doctor’s fees. Your medical insurance will pay for examinations if you have eye health problems.
Many people with medical insurance have a separate rider policy to cover routine eye exams. To complicate matters more, some medical insurance will cover one routine eye exam every two years in addition to covering an eye exam that is for a medical eye problem. Study your policy closely, as plan coverage varies among insurance companies.
What happens if you have concerns about your eye health but you also need new glasses? Can you have your vision checked even though you have a medical eye problem? The answer, of course, is yes. However, your eye doctor may charge you a refraction fee. Insurance companies usually separate the components of an eye exam, one being the comprehensive exam and the other being the refraction. Typically, vision insurance policies usually cover both the eye exam and the refraction, while medical policies cover the exam only.
<b>A Real-Life Example</b>
Let's say your employer provides both types of insurance -- medical insurance as well as a separate vision plan, such as Vision Service Plan (VSP). You decide that it's time for your annual eye exam because your glasses are falling apart. So you see your eye care professional for a routine eye exam and to purchase new glasses. Your doctor’s office authorizes your benefits so you proceed with the examination. At the end of the exam, your doctor informs you that in addition to a minor prescription change, he found signs of glaucoma. You are instructed to return in one week for additional tests.
Remember that your original reason for the visit had been to have an eye exam and to purchase new glasses. Even though your doctor found signs of glaucoma at the end of the examination, this visit would be covered under your "vision plan" because the main reason for the visit was to get your vision checked for new glasses. But, because at the end of that exam you are considered a potential glaucoma patient, your medical insurance will cover the additional tests and office visits related to the medical diagnosis of "glaucoma suspect."
When time comes for your examination next year, it is possible that you could use your medical insurance to cover your examination, because this year it was determined that you could be at risk for developing glaucoma. This serves as a medical diagnosis with your reason for the visit being "glaucoma suspect."
<b>What You Should Know</b>
Although most eye care practices are very knowledgeable about insurance plans, remember that it is not your doctor's responsibility to know the details of your individual plan. It is to your benefit to be aware of possible deductibles and co-pays that are part of your plan. Your insurance plan may cover routine vision care, but you might end up paying for it anyway if your deductible has not yet been met.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Tuesday, December 14, 2010
Sunglasses: Does Color Matter?
You can't judge a pair of sunglasses by its color, at least not for eye protection purposes. Tints and shades of sunglasses do not reflect UV (ultraviolet) blocking ability. When sunglasses are made, the lenses are treated with UV-absorbing chemicals to be able to block UV light. Because these chemicals are usually colorless, clear lenses could block light just as well as dark-colored lenses. So why so many lens colors?
Tints filter light in different ways, and some tints do a better job at blocking light than others. Some tints actually enhance colors, while others distort them. <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Lens Tints">Lens Tints</a> have the ability to enhance vision in certain situations. Although you may admire a certain tint color, it may not be the best one for your particular lifestyle. Following is a handy tint guide for choosing <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a>.
•<b>Gray</b>: Gray is a popular <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Neutual Tint">neutral tint</a> that allows the eyes to perceive colors in their purest form. Gray tints reduce brightness and glare. Choose gray for driving and outdoor sports such as golf, running or cycling.
•<b>Yellow/Orange</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Yellow and orange tints">Yellow and orange tints</a> increase contrast in hazy, foggy or low-light conditions. These tints tend to make objects appear sharper both indoors and outdoors, but can also cause color distortion. Choose yellow shades for snow activities and indoor ball sports.
•<b>Green</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Green tints">Green tints</a> filter some blue light and reduce glare, while offering high contrast and visual sharpness. Shades of green also tend to reduce eyestrain in bright light. Choose green for precision sports such as tennis, baseball and golf.
•<b>Amber/Brown</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Amber and brown tints">Amber and brown tints</a> reduce glare and block blue light, giving them the ability to brighten vision on cloudy days. By blocking blue light, these tints increase contrast and visual acuity, especially against green and blue backgrounds such as grass and sky. Choose amber and brown tints for fishing, baseball, golf, hunting, cycling, and water sports.
•<b>Rose/Red</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Rosy tints">Rosy tints</a> increase contrast by blocking blue light. These tints have a reputation of being soothing to the eyes and more comfortable than others for longer wear-times. They also help with visibility while driving, and seem to be a favorite among computer users as they reduce glare and eyestrain.
By Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Tints filter light in different ways, and some tints do a better job at blocking light than others. Some tints actually enhance colors, while others distort them. <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Lens Tints">Lens Tints</a> have the ability to enhance vision in certain situations. Although you may admire a certain tint color, it may not be the best one for your particular lifestyle. Following is a handy tint guide for choosing <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a>.
•<b>Gray</b>: Gray is a popular <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Neutual Tint">neutral tint</a> that allows the eyes to perceive colors in their purest form. Gray tints reduce brightness and glare. Choose gray for driving and outdoor sports such as golf, running or cycling.
•<b>Yellow/Orange</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Yellow and orange tints">Yellow and orange tints</a> increase contrast in hazy, foggy or low-light conditions. These tints tend to make objects appear sharper both indoors and outdoors, but can also cause color distortion. Choose yellow shades for snow activities and indoor ball sports.
•<b>Green</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Green tints">Green tints</a> filter some blue light and reduce glare, while offering high contrast and visual sharpness. Shades of green also tend to reduce eyestrain in bright light. Choose green for precision sports such as tennis, baseball and golf.
•<b>Amber/Brown</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Amber and brown tints">Amber and brown tints</a> reduce glare and block blue light, giving them the ability to brighten vision on cloudy days. By blocking blue light, these tints increase contrast and visual acuity, especially against green and blue backgrounds such as grass and sky. Choose amber and brown tints for fishing, baseball, golf, hunting, cycling, and water sports.
•<b>Rose/Red</b>: <a href="http://www.simplyeyeglasses.com/information/lens_tint.php" title="Rosy tints">Rosy tints</a> increase contrast by blocking blue light. These tints have a reputation of being soothing to the eyes and more comfortable than others for longer wear-times. They also help with visibility while driving, and seem to be a favorite among computer users as they reduce glare and eyestrain.
By Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Monday, December 13, 2010
UV Eye Safety
We protect our skin with sunscreen, but what about our eyes? Most of us are aware of the dangerous effects ultraviolet (UV) rays have on our skin, but few of us realize the danger imposed on our eyes. UV radiation, whether from natural sunlight or artificial UV rays, can damage the eye's surface tissues as well as the cornea and lens. UV radiation can burn the front surface of the eye, much like a sunburn on the skin.
<b>UV Radiation</b>
UV radiation consists of invisible rays from the sun. There are three types of UV radiation: UVA, UVB and UVC. UVC rays do not pose any threat, as they are absorbed by the ozone layer. However, exposure to UVA and UVB rays can have adverse effects on your eyes and vision. Short- and long-term exposure to these dangerous rays can cause significant damage damage. It is important to note that UV radiation can also be given off by artificial sources like welding machines, tanning beds and lasers.
<b>Short-Term Effects of UV Radiation</b>
If you are exposed, unprotected, to excessive amounts of UV radiation over a short period of time, you are likely to experience an effect called photokeratitis. Photokeratitis is an inflammation of the cornea caused by a brief exposure to UV radiation, usually when combined with cold wind and snow. Like a "sunburn of the eye", it may be painful and may create symptoms including red eyes, a foreign body sensation or gritty feeling in the eyes, extreme sensitivity to light and excessive tearing. Fortunately, this is usually temporary and rarely causes permanent damage to the eyes.
<b>Long-Term Effects of UV Radiation</b>
Long-term exposure to UV radiation can be more serious. Scientific studies and research growing out of the U.S. space program have shown that exposure to small amounts of UV radiation over a period of many years may increase the chance of developing a cataract, and may cause damage to the retina, the nerve-rich lining of the eye that is used for seeing. This damage to the retina is usually not reversible. Cumulative damage of repeated exposure may contribute to chronic eye disease, as well as increase the risk of developing skin cancer around the eyelids. Long-term exposure to UV light is also a risk factor in the development of pterygium (a growth that invades the corner of the eyes) and pinguecula (a yellowish, slightly raised lesion that forms on the surface tissue of the white part of your eye.)
<b>UV Radiation Protection</b>
It is not yet known how much exposure to UV radiation will cause how much damage, but a good recommendation is to wear quality sunglasses that offer good protection and a wide-brimmed hat when working outdoors, participating in outdoor sports, taking a walk, running errands or doing anything in the sun.
<b>To provide protection for your eyes, your sunglasses should</b>:
•block out 99 to 100 percent of both UV-A and UV-B radiation
•screen out 75 to 90 percent of visible light
•be perfectly matched in color and free of distortion and imperfection
•have lenses that are gray for proper color recognition
If you spend a lot of time in bright sunlight, wrap-around frames can provide additional protection from harmful UV radiation by keeping UV rays from reaching the eyes. Also, remember UV eye protection for children and teenagers. They typically spend more time in the sun than adults. Finally, even if you are wearing contact lenses that have UV protection, you still need to wear sunglasses. UV rays will likely affect the eye tissue that is not covered by the contacts. Your eyes will be more comfortable, too, with most of the bright light blocked.
By Troy Bedinghaus, O.D., About.com Guide
Source: American Optometric Association. U/V Protection. 14 Jun 2007.
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
<b>UV Radiation</b>
UV radiation consists of invisible rays from the sun. There are three types of UV radiation: UVA, UVB and UVC. UVC rays do not pose any threat, as they are absorbed by the ozone layer. However, exposure to UVA and UVB rays can have adverse effects on your eyes and vision. Short- and long-term exposure to these dangerous rays can cause significant damage damage. It is important to note that UV radiation can also be given off by artificial sources like welding machines, tanning beds and lasers.
<b>Short-Term Effects of UV Radiation</b>
If you are exposed, unprotected, to excessive amounts of UV radiation over a short period of time, you are likely to experience an effect called photokeratitis. Photokeratitis is an inflammation of the cornea caused by a brief exposure to UV radiation, usually when combined with cold wind and snow. Like a "sunburn of the eye", it may be painful and may create symptoms including red eyes, a foreign body sensation or gritty feeling in the eyes, extreme sensitivity to light and excessive tearing. Fortunately, this is usually temporary and rarely causes permanent damage to the eyes.
<b>Long-Term Effects of UV Radiation</b>
Long-term exposure to UV radiation can be more serious. Scientific studies and research growing out of the U.S. space program have shown that exposure to small amounts of UV radiation over a period of many years may increase the chance of developing a cataract, and may cause damage to the retina, the nerve-rich lining of the eye that is used for seeing. This damage to the retina is usually not reversible. Cumulative damage of repeated exposure may contribute to chronic eye disease, as well as increase the risk of developing skin cancer around the eyelids. Long-term exposure to UV light is also a risk factor in the development of pterygium (a growth that invades the corner of the eyes) and pinguecula (a yellowish, slightly raised lesion that forms on the surface tissue of the white part of your eye.)
<b>UV Radiation Protection</b>
It is not yet known how much exposure to UV radiation will cause how much damage, but a good recommendation is to wear quality sunglasses that offer good protection and a wide-brimmed hat when working outdoors, participating in outdoor sports, taking a walk, running errands or doing anything in the sun.
<b>To provide protection for your eyes, your sunglasses should</b>:
•block out 99 to 100 percent of both UV-A and UV-B radiation
•screen out 75 to 90 percent of visible light
•be perfectly matched in color and free of distortion and imperfection
•have lenses that are gray for proper color recognition
If you spend a lot of time in bright sunlight, wrap-around frames can provide additional protection from harmful UV radiation by keeping UV rays from reaching the eyes. Also, remember UV eye protection for children and teenagers. They typically spend more time in the sun than adults. Finally, even if you are wearing contact lenses that have UV protection, you still need to wear sunglasses. UV rays will likely affect the eye tissue that is not covered by the contacts. Your eyes will be more comfortable, too, with most of the bright light blocked.
By Troy Bedinghaus, O.D., About.com Guide
Source: American Optometric Association. U/V Protection. 14 Jun 2007.
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Thursday, December 9, 2010
Active lifestyle requires active approach to eye health
(ARA) - You stretch before your workout, stay hydrated throughout and follow safe cool-down steps afterward. But while you're enjoying your active lifestyle, are you doing enough to take care of two of your most valuable physical assets, your eyes?
More than 170 million Americans are active in a fitness, team sport, recreational or outdoor activity, according to the Sports Goods Manufacturers Association. Americans' active lifestyles put their eyes at increased risk of injury and strain. In fact, more than 40,000 people suffer sport-related eye injuries each year, according to the American Academy of Ophthalmology.
Dr. Jason Schmit, National Director of Optometry for LasikPlus, offers a few tips for eye safety and health while engaging in the sports and exercise you enjoy.
<b>Wear eye protection</b>
The majority of sport-related eye injuries could easily be prevented by form-fitting eye protection.
<b>Wear <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a></b>
Just as you wear sunscreen to protect your skin from the sun when engaging in outdoor activities, wear sunglasses to protect your eyes. Sunglasses can help delay the development of cataracts, prevent retinal damage and protect the delicate eyelid skin to prevent wrinkles.
<b>Don't sweat it</b>
Sweat dripping in your eyes won't cause permanent damage even if it stings. But if you sweat a lot and drops obscure your vision, not being able to see could be dangerous during physical activity. If you need to, wear a headband to prevent sweat from dripping in your eyes.
<b>Visit an ophthalmologist or optometrist at least once a year.</b>
An ophthalmologist is a medical doctor who specializes in a full spectrum of eye and vision care. He or she can track your eye health and look for any potential problems.
<b>Consider LASIK surgery if you're particularly active in sports</b>
Even with the best equipment, your performance can be hampered if you're having trouble with corrective lenses. "The ability to be more comfortable and less restricted during all types of sports, from swimming to skiing, are among the top reasons people have LASIK surgery," Dr. Schmit says. "Furthermore, LASIK makes it easy to wear off-the-shelf eye protective gear."
The LASIK procedure only takes a few minutes. And since most people can return to normal activity the next day, the down time is very minimal compared to the long-term results. This appeals to those casually involved in recreational sports to professional athletes.
And of course, while it improves the experience for active enthusiasts, enhanced eyesight benefits all areas of one's life personally and professionally.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) you can use those funds to help pay for the procedure.
"Eye health should be an ongoing commitment, looked at on an annual basis similar to a dentist's visit," says Dr. Schmit. "Eyes are a window to your health, revealing not only early signs of eye disease, but also other treatable health issues such as diabetes, high blood pressure and cancer."
For more information or to schedule a free comprehensive eye health exam, call LasikPlus at (866) 818-2020 or visit <a href="http://www.lasikplus.com" title="Lasik Plus">www.LasikPlus.com</a>.
Courtesy of ARA Content
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More than 170 million Americans are active in a fitness, team sport, recreational or outdoor activity, according to the Sports Goods Manufacturers Association. Americans' active lifestyles put their eyes at increased risk of injury and strain. In fact, more than 40,000 people suffer sport-related eye injuries each year, according to the American Academy of Ophthalmology.
Dr. Jason Schmit, National Director of Optometry for LasikPlus, offers a few tips for eye safety and health while engaging in the sports and exercise you enjoy.
<b>Wear eye protection</b>
The majority of sport-related eye injuries could easily be prevented by form-fitting eye protection.
<b>Wear <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a></b>
Just as you wear sunscreen to protect your skin from the sun when engaging in outdoor activities, wear sunglasses to protect your eyes. Sunglasses can help delay the development of cataracts, prevent retinal damage and protect the delicate eyelid skin to prevent wrinkles.
<b>Don't sweat it</b>
Sweat dripping in your eyes won't cause permanent damage even if it stings. But if you sweat a lot and drops obscure your vision, not being able to see could be dangerous during physical activity. If you need to, wear a headband to prevent sweat from dripping in your eyes.
<b>Visit an ophthalmologist or optometrist at least once a year.</b>
An ophthalmologist is a medical doctor who specializes in a full spectrum of eye and vision care. He or she can track your eye health and look for any potential problems.
<b>Consider LASIK surgery if you're particularly active in sports</b>
Even with the best equipment, your performance can be hampered if you're having trouble with corrective lenses. "The ability to be more comfortable and less restricted during all types of sports, from swimming to skiing, are among the top reasons people have LASIK surgery," Dr. Schmit says. "Furthermore, LASIK makes it easy to wear off-the-shelf eye protective gear."
The LASIK procedure only takes a few minutes. And since most people can return to normal activity the next day, the down time is very minimal compared to the long-term results. This appeals to those casually involved in recreational sports to professional athletes.
And of course, while it improves the experience for active enthusiasts, enhanced eyesight benefits all areas of one's life personally and professionally.
If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA) you can use those funds to help pay for the procedure.
"Eye health should be an ongoing commitment, looked at on an annual basis similar to a dentist's visit," says Dr. Schmit. "Eyes are a window to your health, revealing not only early signs of eye disease, but also other treatable health issues such as diabetes, high blood pressure and cancer."
For more information or to schedule a free comprehensive eye health exam, call LasikPlus at (866) 818-2020 or visit <a href="http://www.lasikplus.com" title="Lasik Plus">www.LasikPlus.com</a>.
Courtesy of ARA Content
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Wednesday, December 8, 2010
How Can I Afford an Eye Exam?
<b>Question</b>: How Can I Afford an Eye Exam?
I just can't afford to pay for an eye exam right now. I know that having an eye exam every year is important, especially for my children. What if I don’t have the money to pay for eye exam for my family?
<b>Answer</b>: The best way to protect our eyes and vision is by having a regular eye exam. Even if we can see clearly, it is important to have a comprehensive eye exam each year to uncover eye diseases that may affect our vision if left undetected. Unfortunately, not everyone can afford the preventative eye care they need. If you are neglecting your vision because of financial worries, the following tips may help:
•<b>Check your insurance</b>. Many people have insurance coverage for vision and eye care through their employee health plan. Eye exams are often covered through traditional medical insurance. Some plans actually have a separate "carve-out" vision rider policy that is not always apparent when signing up for the plan. Flex accounts or medical savings accounts can also be tapped for eye examinations. Check with your employer for possible benefits you may be entitled to.
•<b>Ask your school nurse</b>. Many school nurses have access to special plans funded by large vision service plans and are often the best source for aid. Many of these plans go unused because of the effort it requires to fill out paperwork to qualify for these programs. <a href="http://www.sightforstudents.org/" title="Sight for Students">Sight for Students</a> is a Vision Service Plan (VSP) program that provides eye exams and glasses to children 18 years and younger whose families cannot afford vision care.
•<b>Contact the <a href="http://www.lionsclubs.org/" title="Lions Clubs">Lions Club</a></b>. For many years, the Lions Club has provided several programs to help with eye examinations and <a href="http://www.simplyeyeglasses.com/" title="Eyewear">eyewear</a>. <a href="http://www.lionsclubs.org/" title="Lions Clubs International ">Lions Clubs International</a> provides financial assistance through local clubs. Find a local club by using the "club locator" button found on their website.
•<b>Contact the American Optometric Association</b>. The American Optometric Association (AOA) has a program called "<a href="http://www.infantsee.org" title="InfantSee">InfantSEE</a>," which is designed to detect eye conditions in babies. Member optometrists provide free comprehensive infant eye exams to children younger than 1 year of age.
•<b>Inquire about government programs</b>.
Medicare benefit for eye exams:
•<b>For those with diabetes</b>: People with <a href="http://www.Medicare.gov" title="Medicare">Medicare</a> who have diabetes can receive a dilated eye exam to check for diabetic eye disease.
•<b>For those at risk for glaucoma</b>: People at high risk for glaucoma include those with diabetes, a family history of glaucoma or African Americans ages 50 or older. Once a year, Medicare will pay for an eye exam to check for glaucoma. (Patients must pay 20% of the Medicare-approved amount after the yearly Part B deductible.)
<b>State Children's Health Insurance Program (SCHIP)</b>: For little or no cost, <a href="http://www.insurekidsnow.gov" title="Insure Kids Now">Insure Kids Now</a>! pays for doctor visits, prescription medicines, hospitalizations and much more for children 18 years and younger. Most states also cover the cost of dental care, eye care and medical equipment.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
I just can't afford to pay for an eye exam right now. I know that having an eye exam every year is important, especially for my children. What if I don’t have the money to pay for eye exam for my family?
<b>Answer</b>: The best way to protect our eyes and vision is by having a regular eye exam. Even if we can see clearly, it is important to have a comprehensive eye exam each year to uncover eye diseases that may affect our vision if left undetected. Unfortunately, not everyone can afford the preventative eye care they need. If you are neglecting your vision because of financial worries, the following tips may help:
•<b>Check your insurance</b>. Many people have insurance coverage for vision and eye care through their employee health plan. Eye exams are often covered through traditional medical insurance. Some plans actually have a separate "carve-out" vision rider policy that is not always apparent when signing up for the plan. Flex accounts or medical savings accounts can also be tapped for eye examinations. Check with your employer for possible benefits you may be entitled to.
•<b>Ask your school nurse</b>. Many school nurses have access to special plans funded by large vision service plans and are often the best source for aid. Many of these plans go unused because of the effort it requires to fill out paperwork to qualify for these programs. <a href="http://www.sightforstudents.org/" title="Sight for Students">Sight for Students</a> is a Vision Service Plan (VSP) program that provides eye exams and glasses to children 18 years and younger whose families cannot afford vision care.
•<b>Contact the <a href="http://www.lionsclubs.org/" title="Lions Clubs">Lions Club</a></b>. For many years, the Lions Club has provided several programs to help with eye examinations and <a href="http://www.simplyeyeglasses.com/" title="Eyewear">eyewear</a>. <a href="http://www.lionsclubs.org/" title="Lions Clubs International ">Lions Clubs International</a> provides financial assistance through local clubs. Find a local club by using the "club locator" button found on their website.
•<b>Contact the American Optometric Association</b>. The American Optometric Association (AOA) has a program called "<a href="http://www.infantsee.org" title="InfantSee">InfantSEE</a>," which is designed to detect eye conditions in babies. Member optometrists provide free comprehensive infant eye exams to children younger than 1 year of age.
•<b>Inquire about government programs</b>.
Medicare benefit for eye exams:
•<b>For those with diabetes</b>: People with <a href="http://www.Medicare.gov" title="Medicare">Medicare</a> who have diabetes can receive a dilated eye exam to check for diabetic eye disease.
•<b>For those at risk for glaucoma</b>: People at high risk for glaucoma include those with diabetes, a family history of glaucoma or African Americans ages 50 or older. Once a year, Medicare will pay for an eye exam to check for glaucoma. (Patients must pay 20% of the Medicare-approved amount after the yearly Part B deductible.)
<b>State Children's Health Insurance Program (SCHIP)</b>: For little or no cost, <a href="http://www.insurekidsnow.gov" title="Insure Kids Now">Insure Kids Now</a>! pays for doctor visits, prescription medicines, hospitalizations and much more for children 18 years and younger. Most states also cover the cost of dental care, eye care and medical equipment.
By: Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Tuesday, December 7, 2010
Your Eyes Through the Years
We depend on our eyes for vision throughout our lives. In each stage of life we encounter new adventures, all of which are enhanced by our precious sense of sight. It is normal for our eyes and vision to change as we age, with the first important changes occurring during infancy. As we age, our eyes' ability to focus slowly decreases, since the lens of the eye becomes less flexible, ultimately requiring vision correction devices (reading glasses). It is important for us to be aware of changes in our vision. We must also be proactive in maintaining the health of our eyes by having regular comprehensive eye exams.
<b>Infants</b>:
A baby is born with the eye structures needed for vision, but must learn how to use them together to be able to "see." Focusing ability and color vision are usually accomplished by three or four months of age. By four to six months of age, a baby learns eye-hand coordination. During the next six months, a baby develops the ability to judge depth. Perception skills, such as visual memory and discrimination, are also acquired during the first two years.
•Top 5 Milestones in Vision Development
•Your Infant's First Eye Exam
•What Is Lazy Eye?
<b>Children</b>:
The eyes continue to develop throughout childhood. You may wonder if your preschooler has a vision problem. Early eye exams are critical to ensure that children have normal, healthy vision so that they can perform better in school as well as at play. Early detection of vision problems is crucial because the younger a child is treated, the better the chance of responding to treatment.
•Signs Your Child Needs Vision Correction
•School Vision Screenings
•Ways to Prevent Computer Vision Syndrome in Children
•The Safest Lenses for Kids
•What to Look for in Children's <a href="http://www.simplyeyeglasses.com" title="Eyeglasses">Eyeglasses</a>
<b>Teens</b>:
Vision usually stabilizes during the teen years, with eye and vision development complete. Annual eye examinations are important, as hidden vision problems or disorders may be detected. Eye safety is also important to remember during the teen years, as sports involvement and contact lens use become popular.
•Recommended Eye Exam Schedules
•Should Teens Wear Contacts?
•Before You Get Contacts
•UV Eye Safety
<b>Adults</b>:
As we get older, our vision changes. We may need more light to see clearly. We may have trouble focusing on near objects, such as a book in our hands. Fortunately, there are many ways to help us see our best during the adult years. As always, changes in our vision should be monitored to ensure clear vision and healthy eyes.
•Seeing Spots and Floaters
•Droopy Eyelids
•Lens Options for People Over 40
•Presbyopia Defined
•Top 3 Refractive Surgeries
•Risks of Having LASIK
<b>Seniors</b>:
Older adults need to visit the eye doctor regularly and be aware of potential vision problems to possibly catch or slow a disease before vision loss occurs.
Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
<b>Infants</b>:
A baby is born with the eye structures needed for vision, but must learn how to use them together to be able to "see." Focusing ability and color vision are usually accomplished by three or four months of age. By four to six months of age, a baby learns eye-hand coordination. During the next six months, a baby develops the ability to judge depth. Perception skills, such as visual memory and discrimination, are also acquired during the first two years.
•Top 5 Milestones in Vision Development
•Your Infant's First Eye Exam
•What Is Lazy Eye?
<b>Children</b>:
The eyes continue to develop throughout childhood. You may wonder if your preschooler has a vision problem. Early eye exams are critical to ensure that children have normal, healthy vision so that they can perform better in school as well as at play. Early detection of vision problems is crucial because the younger a child is treated, the better the chance of responding to treatment.
•Signs Your Child Needs Vision Correction
•School Vision Screenings
•Ways to Prevent Computer Vision Syndrome in Children
•The Safest Lenses for Kids
•What to Look for in Children's <a href="http://www.simplyeyeglasses.com" title="Eyeglasses">Eyeglasses</a>
<b>Teens</b>:
Vision usually stabilizes during the teen years, with eye and vision development complete. Annual eye examinations are important, as hidden vision problems or disorders may be detected. Eye safety is also important to remember during the teen years, as sports involvement and contact lens use become popular.
•Recommended Eye Exam Schedules
•Should Teens Wear Contacts?
•Before You Get Contacts
•UV Eye Safety
<b>Adults</b>:
As we get older, our vision changes. We may need more light to see clearly. We may have trouble focusing on near objects, such as a book in our hands. Fortunately, there are many ways to help us see our best during the adult years. As always, changes in our vision should be monitored to ensure clear vision and healthy eyes.
•Seeing Spots and Floaters
•Droopy Eyelids
•Lens Options for People Over 40
•Presbyopia Defined
•Top 3 Refractive Surgeries
•Risks of Having LASIK
<b>Seniors</b>:
Older adults need to visit the eye doctor regularly and be aware of potential vision problems to possibly catch or slow a disease before vision loss occurs.
Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Monday, December 6, 2010
How to Estimate and Maximize a Flexible Spending Account (FSA)
A flexible spending account is a benefit that may be offered by your employer that allows you to set aside money during the calendar year to pay health or medical expenses, plus additional qualified expenses such as day care fees. The key is to know how to best estimate how much money to set aside, then to maximize its use so you won't forfeit any of that money.
Each year, as you determine which health insurance plan is the right one for you during your open enrollment period, your employer may also allow you to set up a flexible spending account. In order to do that successfully, you'll want to understand how to maximize the use of a flexible spending account (FSA).
Among other Internal Revenue Service (IRS) rules, there are two main points to know about an FSA:
1.You will determine a total amount of money you expect to spend during a calendar year on qualifying out-of-pocket expenses (see below.) That total will be divided by the number of paychecks you receive in a year, and that amount will be deducted, then put into your FSA account. Some employers make contributions to employee FSAs, in which case the amount taken from your paycheck will be reduced by the amount your employer contributes.
Since the money deducted from your paycheck comes out before you pay taxes, you will save the amount of money your taxes would have cost you. The amount you will save depends on your tax bracket and your other deductions. Example: if you are in the 25% tax bracket and you put $1000 in your FSA, you might be saving $250 in taxes.
As long as you only ever spend that money on qualifying expenses, then you'll never pay taxes on it. You will not have an opportunity to spend it on any other kind of expense, however....
2.If you don't spend all the money that has been deposited to your FSA before the end of the year in which it was deposited, then you will forfeit that money. You can't carry it over from year to year.
Therefore, knowing it can be a big money saver as long as you use up all the money in the account, you'll want to estimate very carefully the amount to set aside in your FSA. You want to deposit as much money as possible to get the biggest tax break, but you want to be sure you don't deposit one penny extra so you won't lose any money.
<b>How to Determine How Much Money to Set Aside in a Flexible Spending Account (FSA)</b>
1. Just as you have estimated your healthcare costs for determining your best option for health insurance during open enrollment, you'll want to figure out your best guess on your out-of-pocket medical expenses (and other qualifying expenses) during the next year. Included in this list will be all those health and medical expenses that your insurer doesn't cover, such as vision, dental, over-the-counter drugs, hearing aid batteries and dozens more.
The IRS maintains a list of health and medical qualifying expenses which may change from year to year. Please note that FSAs also allow set asides for additional non-medical expenses.
As best as you can, make a list of what those expenses may be. Develop a scenario for you and your family that will become the guesstimate you will work with. Include amounts such as the number of doctor appointments each family member might average in a calendar year, multiplied by the co-pay for each one. Does anyone in your family wear glasses or contacts? Figure in your out-of-pocket costs for them. Do you pay out-of-pocket for dental coverage? Include those costs in your list. What over-the-counter drugs do you take? What about birth control?
Take a good look at the IRS rules for FSAs and be sure to include everything you can think of on your cost guesstimate list.
2. Now that you have your best guesstimate of what your total cost of qualifying expenses will be for the year, you can use it to do math in two directions, one conservative and one a bit riskier:
•The more conservative approach is to be sure you set aside less than you think you'll spend so you don't forfeit any money at the end of the year. If you spend more than you set aside, it simply means you will have paid tax on that extra expense because it won't have been included in the FSA set aside. If this is the approach you want to take, then multiply your guesstimate by 80% or 90% to arrive at the FSA set aside amount you'll report to your employer.
•A riskier approach is to report the entire guesstimate amount to your employer, even if you aren't sure if you will spend it all. That will allow you the biggest tax advantage. Even if you don't spend it all, the break on the tax for the amount you didn't spend will likely make up the difference. In the example above, you saved $250 on your taxes. As long as you spend more than your guesstimate minus those $250, you will have gotten a benefit from your FSA.
One final, important step in maximizing the use of your flexible spending account:
Make yourself a calendar note to review your usage of your FSA by mid-October. Your review will tell you what steps to take if you are running out of money, or if you risk losing some of the money you set aside.
If you find you may have money left over, then make those appointments you accounted for in your guesstimate, but have not followed through on. For example, you may have added in vision appointments for family members who haven't yet been to the eye doctor. Or maybe you take an over-the-counter daily vitamin or perhaps your doctor has recommended a screening test you can fit in before the end of the year. The About.com Guide to Health Insurance has a list of ideas you may not have considered to help you spend that money.
Note that you can spend the money on health-related expenses you didn't include on your original list, too. You may run into a medical problem you could not have anticipated when you made your guesstimate. The IRS doesn't care what those expenses are, as long as they are included on the list of qualifying expenses.
If you won't have enough money to pay for your remaining appointments, drug prescriptions and others, then determine which expenses you can postpone into the next year. Then include them in your guesstimate for next year as you determine the adjustments you want to make to your FSA.
By Trisha Torrey, About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Each year, as you determine which health insurance plan is the right one for you during your open enrollment period, your employer may also allow you to set up a flexible spending account. In order to do that successfully, you'll want to understand how to maximize the use of a flexible spending account (FSA).
Among other Internal Revenue Service (IRS) rules, there are two main points to know about an FSA:
1.You will determine a total amount of money you expect to spend during a calendar year on qualifying out-of-pocket expenses (see below.) That total will be divided by the number of paychecks you receive in a year, and that amount will be deducted, then put into your FSA account. Some employers make contributions to employee FSAs, in which case the amount taken from your paycheck will be reduced by the amount your employer contributes.
Since the money deducted from your paycheck comes out before you pay taxes, you will save the amount of money your taxes would have cost you. The amount you will save depends on your tax bracket and your other deductions. Example: if you are in the 25% tax bracket and you put $1000 in your FSA, you might be saving $250 in taxes.
As long as you only ever spend that money on qualifying expenses, then you'll never pay taxes on it. You will not have an opportunity to spend it on any other kind of expense, however....
2.If you don't spend all the money that has been deposited to your FSA before the end of the year in which it was deposited, then you will forfeit that money. You can't carry it over from year to year.
Therefore, knowing it can be a big money saver as long as you use up all the money in the account, you'll want to estimate very carefully the amount to set aside in your FSA. You want to deposit as much money as possible to get the biggest tax break, but you want to be sure you don't deposit one penny extra so you won't lose any money.
<b>How to Determine How Much Money to Set Aside in a Flexible Spending Account (FSA)</b>
1. Just as you have estimated your healthcare costs for determining your best option for health insurance during open enrollment, you'll want to figure out your best guess on your out-of-pocket medical expenses (and other qualifying expenses) during the next year. Included in this list will be all those health and medical expenses that your insurer doesn't cover, such as vision, dental, over-the-counter drugs, hearing aid batteries and dozens more.
The IRS maintains a list of health and medical qualifying expenses which may change from year to year. Please note that FSAs also allow set asides for additional non-medical expenses.
As best as you can, make a list of what those expenses may be. Develop a scenario for you and your family that will become the guesstimate you will work with. Include amounts such as the number of doctor appointments each family member might average in a calendar year, multiplied by the co-pay for each one. Does anyone in your family wear glasses or contacts? Figure in your out-of-pocket costs for them. Do you pay out-of-pocket for dental coverage? Include those costs in your list. What over-the-counter drugs do you take? What about birth control?
Take a good look at the IRS rules for FSAs and be sure to include everything you can think of on your cost guesstimate list.
2. Now that you have your best guesstimate of what your total cost of qualifying expenses will be for the year, you can use it to do math in two directions, one conservative and one a bit riskier:
•The more conservative approach is to be sure you set aside less than you think you'll spend so you don't forfeit any money at the end of the year. If you spend more than you set aside, it simply means you will have paid tax on that extra expense because it won't have been included in the FSA set aside. If this is the approach you want to take, then multiply your guesstimate by 80% or 90% to arrive at the FSA set aside amount you'll report to your employer.
•A riskier approach is to report the entire guesstimate amount to your employer, even if you aren't sure if you will spend it all. That will allow you the biggest tax advantage. Even if you don't spend it all, the break on the tax for the amount you didn't spend will likely make up the difference. In the example above, you saved $250 on your taxes. As long as you spend more than your guesstimate minus those $250, you will have gotten a benefit from your FSA.
One final, important step in maximizing the use of your flexible spending account:
Make yourself a calendar note to review your usage of your FSA by mid-October. Your review will tell you what steps to take if you are running out of money, or if you risk losing some of the money you set aside.
If you find you may have money left over, then make those appointments you accounted for in your guesstimate, but have not followed through on. For example, you may have added in vision appointments for family members who haven't yet been to the eye doctor. Or maybe you take an over-the-counter daily vitamin or perhaps your doctor has recommended a screening test you can fit in before the end of the year. The About.com Guide to Health Insurance has a list of ideas you may not have considered to help you spend that money.
Note that you can spend the money on health-related expenses you didn't include on your original list, too. You may run into a medical problem you could not have anticipated when you made your guesstimate. The IRS doesn't care what those expenses are, as long as they are included on the list of qualifying expenses.
If you won't have enough money to pay for your remaining appointments, drug prescriptions and others, then determine which expenses you can postpone into the next year. Then include them in your guesstimate for next year as you determine the adjustments you want to make to your FSA.
By Trisha Torrey, About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Friday, December 3, 2010
Tips for Buying Sunglasses
In the market for a new pair of sunglasses? If you've ever shopped for a pair of shades, you know the experience is anything but simple. With thousands of styles and colors to choose from, how do you know where to start? You'd like a hip style that makes you look fashionable, but you are also concerned about finding proper protection for your eyes. Following are a few tips to keep in mind while shopping for <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a>.
•Look for <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> that block 99-100 percent of all UV light. Look for a label showing how much UV radiation the lenses reflect. Read labels carefully. If you are concerned, ask your optician, optometrist or ophthalmologist for his or her opinion.
•Select a tint color based on your particular needs. Different tints filter different wavelengths of light. Gray is usually recommended for driving for proper traffic light recognition. Also, check that the tint appears uniform across each lens.
•Try the <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> on in front of a mirror. If you can see your eyes behind the <strong>sunglasses</strong>, they may not be dark enough for you.
•Be aware that dark-colored <strong>sunglasses</strong> don’t necessarily provide better protection from the sun's harmful rays.
•If you are considering purchasing a gradient tint, make sure the tint lightens gradually, from the top to the bottom.
•Check closely for imperfections or distortions in both lenses: holding the glasses at arm’s length, slowly move them across a straight line in the distance. A distortion in the lens may cause the straight line to appear curved or appear to move. Keep in mind that some extremely curvy or wrap-around styles of <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> may cause items to appear curved because of the way the lenses must be cut to fit into the wrapped frame.
•Don’t let price determine your purchase. Higher-priced sunglasses often reflect fashion, not UV protection. However, you can add customer <a href="http://www.simplyeyeglasses.com/information/polarized_lenses.php" title="Polarized Lenses">polarized lenses</a> to almost any frame for as low as $98.
By Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
•Look for <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> that block 99-100 percent of all UV light. Look for a label showing how much UV radiation the lenses reflect. Read labels carefully. If you are concerned, ask your optician, optometrist or ophthalmologist for his or her opinion.
•Select a tint color based on your particular needs. Different tints filter different wavelengths of light. Gray is usually recommended for driving for proper traffic light recognition. Also, check that the tint appears uniform across each lens.
•Try the <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> on in front of a mirror. If you can see your eyes behind the <strong>sunglasses</strong>, they may not be dark enough for you.
•Be aware that dark-colored <strong>sunglasses</strong> don’t necessarily provide better protection from the sun's harmful rays.
•If you are considering purchasing a gradient tint, make sure the tint lightens gradually, from the top to the bottom.
•Check closely for imperfections or distortions in both lenses: holding the glasses at arm’s length, slowly move them across a straight line in the distance. A distortion in the lens may cause the straight line to appear curved or appear to move. Keep in mind that some extremely curvy or wrap-around styles of <a href="http://www.simplyeyeglasses.com" title="Sunglasses">sunglasses</a> may cause items to appear curved because of the way the lenses must be cut to fit into the wrapped frame.
•Don’t let price determine your purchase. Higher-priced sunglasses often reflect fashion, not UV protection. However, you can add customer <a href="http://www.simplyeyeglasses.com/information/polarized_lenses.php" title="Polarized Lenses">polarized lenses</a> to almost any frame for as low as $98.
By Troy Bedinghaus, O.D., About.com Guide
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
Thursday, December 2, 2010
Eyeglass Change Might Keep Elderly From Falling
Older people might avoid falls if they take off their bifocal or multifocal eyeglasses while taking part in outdoor activities and rely on single-vision lenses instead, a new study suggests.
As people age, they often develop difficulty seeing things at close range, even if they already wear <a href="http://www.simplyeyeglasses.com" title="Glasses">glasses</a> to see at a distance. Instead of using multiple pairs of <a href="http://www.simplyeyeglasses.com" title="Eyeglasses">eyeglasses</a>, they often turn to multifocal lenses -- bifocals, trifocals and <a href="http://www.simplyeyeglasses.com/information/progressive_lenses.php" title="Progressive Lenses">progressive lenses</a>.
But multifocal eyeglasses can affect balance and increase the risk of falls, research suggests.
For their study, published online May 25 in the BMJ, Stephen Lord, senior principal research fellow at Prince of Wales Medical Research Institute in New South Wales, Australia, and colleagues recruited 606 people over the age of 65 who were at risk of falling and who used multifocal lenses when walking outdoors.
About half of the participants were prescribed a pair of single-lens distance glasses to use when outdoors and in unfamiliar places.
Over 13 months of follow-up, all falls among those who used the single-lens distance glasses fell by 8 percent compared to the control group. Among those who regularly spent time outdoors, falls decreased by about 40 percent. But outside falls increased among those who rarely went outdoors, suggesting that the single-lens glasses aren't a good alternative for those people.
<b>More information</b>
The U.S. Centers for Disease Control and Prevention has details about preventing falls in the elderly.
Copyright © 2010 HealthDay. All rights reserved.
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
As people age, they often develop difficulty seeing things at close range, even if they already wear <a href="http://www.simplyeyeglasses.com" title="Glasses">glasses</a> to see at a distance. Instead of using multiple pairs of <a href="http://www.simplyeyeglasses.com" title="Eyeglasses">eyeglasses</a>, they often turn to multifocal lenses -- bifocals, trifocals and <a href="http://www.simplyeyeglasses.com/information/progressive_lenses.php" title="Progressive Lenses">progressive lenses</a>.
But multifocal eyeglasses can affect balance and increase the risk of falls, research suggests.
For their study, published online May 25 in the BMJ, Stephen Lord, senior principal research fellow at Prince of Wales Medical Research Institute in New South Wales, Australia, and colleagues recruited 606 people over the age of 65 who were at risk of falling and who used multifocal lenses when walking outdoors.
About half of the participants were prescribed a pair of single-lens distance glasses to use when outdoors and in unfamiliar places.
Over 13 months of follow-up, all falls among those who used the single-lens distance glasses fell by 8 percent compared to the control group. Among those who regularly spent time outdoors, falls decreased by about 40 percent. But outside falls increased among those who rarely went outdoors, suggesting that the single-lens glasses aren't a good alternative for those people.
<b>More information</b>
The U.S. Centers for Disease Control and Prevention has details about preventing falls in the elderly.
Copyright © 2010 HealthDay. All rights reserved.
<b>SimplyEyeglasses.com Shopping Categories</b>:
<a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Ray-Ban&title=Ray-Ban Eyeglasses" title="Ray-Ban Eyeglasses">Ray-Ban Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Ray-Ban&title=Ray-Ban Sunglasses" title="Ray-Ban Sunglasses">Ray-Ban Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Prada&title=Prada Eyeglasses" title="Prada Eyeglasses">Prada Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Prada&title=Prada Sunglasses" title="Prada Sunglasses">Prada Sunglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Gucci&title=Gucci Eyeglasses" title="Gucci Eyeglasses">Gucci Eyeglasses</a> | <a href="http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Sunglasses&manf=Gucci&title=Gucci Sunglasses" title="Gucci Sunglasses">Gucci Sunglasses</a> | <a href=http://www.simplyeyeglasses.com/eyeglasses-sunglasses/frames.php?product=Eyeglasses&manf=Silhouette Rimless&title=Silhouette Rimless Eyeglasses" title="Silhouette Rimless Eyeglasses">Silhouette Rimless Eyeglasses</a>.
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