young male with beard professional in an office wearing glasses working and focusing on laptop

Blue Blocker Lenses: Are They Worth The Hype?

June 7, 2018
, , , , , , , News, Vision Insurance

As our bodies continue to age, it is understandable that we begin to experience more changes. And whether we like it or not, doctors and other medical specialists are here to help us make sure that our bodies are operating at the very best levels that they can and when they are not, doctors are the people we visit to find out why.

For example, declining eyesight is one of the most common and most easily diagnosable issues our bodies may encounter throughout our lives. Worsening eyesight is often associated with getting older and while there are a variety of reasons and levels of severity, ultimately poor eyesight is typically very treatable except in certain circumstances.

As a general rule of thumb, it is suggested that you should visit the eye doctor once every one to two years. Even if you don’t feel your eyesight has changed, an optometrist will be able to know for sure and make any adjustments to your eye prescription as necessary.

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mother with breast cancer smiling and hugging her young daughter

What You Should Know: Home Breast Cancer DNA Tests

April 19, 2018
, , , , , , Health Insurance

In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.

What Can Your DNA Reveal

The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as:

  • Macular Degeneration
  • Lung and/or Liver Disease
  • Celiac Disease
  • Hemochromatosis
  • Hereditary Thrombophilia
  • Alzheimer’s Disease
  • Parkinson’s, and many more
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Millennials with tech devices in front of them on a blue bench

Myopia and Millennials: The Trend No One Saw Coming

February 16, 2018
, , , , , , Dental Insurance, Vision Insurance

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

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mother and child practicing good dental hygiene in bathroom

The Cost Of Not Having Dental Insurance

December 21, 2017
, , Dental Insurance, News

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

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Young People Discussing Group Insurance Benefits with an agent

3 Benefits of Group Health Insurance For Employers

August 24, 2017
, , , Employer Group, Health Insurance

Group Health Insurance is usually provided by an employer and can cover just the employee or even the employee’s spouse and children.

Not providing group health coverage could be a major misstep for some companies regardless of size, as there are a number of benefits to providing Group Health Insurance coverage.

1. Lower Costs Than Individual Plans

There is no question that the term health care reform has been a hot-button topic and on the lips of nearly every politician regardless of political party over the course of the past 10 years. In light of the Affordable Care Act (ACA), it has now become more affordable to purchase Group Health Insurance than for your employees to purchase health insurance individually.

Level-funding insurance plan options have been growing in popularity over the past number years. Level-funded plans are ERISA compliant and may offer more flexibility for employers with virtually no risk and offered by several reputable insurance carriers with a nationwide network of hospitals and physicians to choose from.

What has many employers especially excited about these plans is the opportunity for 10%-15% in lower premium costs and the Return of Premium potential. Unlike other policies on the market, with level-funded options, if your employees don’t rack up a large number of claims throughout the year, your company may have a substantial amount of money (originally paid in premiums) returned.

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man with long term disability insurance with son at park

The Underestimated Value of Long-Term Disability Insurance

August 14, 2017
, , Long Term Disability

For many, the thought of investing in a long-term disability insurance policy may sound like an unnecessary expense. It is estimated that roughly 86 percent of Americans have desk jobs, therefore it is easy to understand why they might be under the impression that they have little to no chance of becoming disabled during the course of their career. This is a potentially dangerous mistake.

The Odds of Needing Long-Term Disability Insurance

While it is true that those who work more labor-intensive jobs may have an increased risk of becoming injured or disabled at some point in their careers, those who work in office settings also have at least a one in four chance of the same thing happening to them.

In 2015, the Bureau of Labor Services estimated that there were 1,153,490 cases of work-related injuries and illnesses that resulted in missing days from work. This statistic can be scary for both businesses and individuals alike. And while most states mandate that every business with one of more employees must have workers’ comp. insurance, what happens when workers’ comp. and social security disability benefits just aren’t enough?

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young blonde woman playfully smiling and hiding half of her face wearing fun eyeglasses

6 Best Online Stores to Purchase Eyeglasses From

June 8, 2017
, , , Vision Insurance

With a variety of lens materials, types, and coatings available to choose from – sitting in your optometrist’s office listening to the tech rattle off your options can understandably feel overwhelming. For the most part, consumers want something to get the job done at the lowest possible price unless they have other very specific concerns.

However, depending on your location, prescription strength and needs, as well as your eye doctor, you could be spending anywhere from approximately $95 to over $1,000 for a pair of prescription eyeglasses. According to health.costhelper.com, consumers spend on average approximately $196 for a pair of eyeglasses, and until fairly recently they didn’t have much of a choice.

However, over the course of the past 10 to 15 years, a new kind of eyeglass business has hit the market, cutting out the middleman, and cutting the ultimate cost for consumers. Zenni Optical, for example, will sell the complete set of fashionable eyeglasses (frame and lenses) for as low as $12, and their competitors aren’t too far behind.

Just in the past five years, a number of these online eyeglass retailers have been the talk of the fiscally conscious eyeglass consumer community since their inception.

But with all of these new online retailers on the market, which ones are the best to purchase eyeglasses from?

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