How to Maintain Healthy Eyes are Naturally

How to Maintain Healthy Eyes are Naturally - Eyes must be one of the windows for you, because with the eye will help you to see and observe the environment around you. However, as one of the important members of the body that is sometimes quite a lot of people overlook about how to maintain proper eye health to stay healthy and you can use it to the maximum.

Therefore, on this occasion will be explained about how to care for the health of your eyes quickly and precisely. Of course, this did not complicate your activities and get yourself to stay consistent undergo the following ways. As for the right way to maintain eye health, among others, namely:

How to Maintain Healthy Eyes

1. The first thing you should do is multiply the consumption of vegetables and fruits, one of which is the carrot. This is because these carrots contain beta carotene which this substance is good for the health of your eyes. But, of course, you will feel bored if you have to consume these vegetables every day, so it helps if you keep eating vegetables and other fruits as a variation of the daily consumption of vegetables you.


2. How to treat the second eye health is worth to you look carefully for those of you who like to use it, that eyepiece. If you want to use the lens of the eye, it is recommended for future use of the eye lens is not more than 19 hours. This is because the eye's lens is capable of permanently damaging your eyes and can also cause serious irritation. Not only the lens of the eye, as well as making the most of your glasses in a short time and let your eyes rest awhile.


3. Try to reduce the use of eye drops, you still may use eye drops if absolutely necessary and do not always depend on this tool. If you are uncomfortable with your eyes, it helps if you do flicker with quite a lot or it could be by closing your eyes for a few moments. Better than you should use eye drops.


4. If you want to make your eyes feel comfortable, it is better if you use natural materials such as for example cucumbers. Why cucumber can be used to make your eyes become uncomfortable? This is because the cucumbers are cold you can use as a compress to your eyes.



5. The next step and of course you already know that you try to read the weather conditions were quite bright and certainly could make you and your eyes to see it comfortably. If you read in a room with dim lighting, of course it will be very influential because your eyes can be strained due to the lack of light that enters the eye.


Five ways to care for your eye health in accordance with the above step is of course very easy to do and will not interfere with your activities. The key is that you only have to remember and carry out such activities on a regular basis. If you are difficult to remember and keep the consistency you in maintaining the health of your eyes, you could make some paper large enough to remind you and the writings you can save it and paste it on the wall of your room so that you can always see and remember to keep the routine keep your eye health.


Thus information about how to maintain eye health or how to care for the eye to stay healthy, 

Most colonoscopies should be covered 100% by your insurance

The Affordable Care Act (ACA) requires that insurance companies cover 100 percent of the cost of preventive colonoscopies for adults older than age 50. Of course you’ll need to see a provider who is part of your plan’s provider network.

However, despite this new reform, we do hear consumers who’ve had a routine preventive colonoscopy only to have their insurer process their claim as “cost-shared diagnostic care,” which is subject to their annual deductible and coinsurance.

We also sometimes hear from consumers who receive a substantial surgical bill when a polyp is discovered and removed during a preventive colonoscopy. The Affordable Care Act and other federal guidelines protect consumers from extra charges for polyp removal during a preventive colonoscopy. If you receive a bill for polyp removal, you should file a complaint with us and we’ll help you get those charges reversed.

If you are diagnosed with colon cancer, any previous related symptoms may result in your provider processing the cancer screening as diagnostic and not preventive. In that case, your treatment would not be covered as preventive care and you’ll likely have additional costs. If you have any questions, check with your doctor.

Be aware that if a procedure or treatment is not a recommended preventive service, it may be subject to your plan’s deductible and cost-sharing. Also, if a medical recommendation or guideline regarding a preventive service does not specify the frequency, method, treatment, or setting for that service, your insurer may limit your coverage.
Here are some important tips to remember:

• If you have any questions, first talk to your doctor or medical provider and your insurance company. 
• Read more about which health benefits are required under the ACA.
• If you receive a bill from your insurance company that you disagree with, request an appeal.
• In addition, file a complaint with us.

Protect yourself from Medicare fraud

The Insurance Commissioner’s Statewide Health Insurance Benefits Advisors (SHIBA) program is Washington state’s Senior Medicare Patrol (SMP). A federally funded and volunteer-based program, SHIBA/SMP volunteers provide education on how to prevent, detect and report Medicare fraud.

Medicare is the national health care plan for all U.S. citizens age 65 and older. It also covers people younger than age 65 who receive Social Security Disability Income and people who are diagnosed with certain medical conditions.

In Washington state, SHIBA/SMP volunteers help protect seniors and fight health care fraud, leaving more money in the system for everyone. Our state’s volunteers educate beneficiaries on how to avoid becoming victims of health care fraud, and how to report abuse or fraud, related to their Medicare benefits.

We all pay a price for Medicare fraud, waste and abuse, which contributes significantly to rising health care costs. There are three things you can do to help fight Medicare fraud:

1. Know your rights. As a person with Medicare, you have certain rights and protections designed to help protect you and make sure you get the health care services the law says you can get.
2. Protect your identity. Identity theft happens when someone uses your personal information without your consent to commit fraud or other crimes. Keep this personal information safe:
• Your name.
• Your Social Security Number (SSN).
• Your Medicare number (or your membership card if you’re in a Medicare Advantage or other Medicare health plan).
• Your credit card and bank account numbers.
3. Get involved with other seniors with the Senior Medicare Patrol (SMP). The SMP educates and empowers people with Medicare to take an active role in detecting and preventing health care fraud and abuse.

You can find more Medicare fraud tips on our website. If you suspect Medicare fraud or have questions about your bill:

• Call OIC’s Statewide Health Benefits Insurance Advisors (SHIBA) at 1-800-562-6900 or email us at shibahelpline@oic.wa.gov.
• Contact your local SHIBA office.

Have a quick question? Try our new live chat

This week is National Consumer Protection Week and the OIC is one of the many government agencies that helps protect consumers from financial harm.

A huge part of the work we do is helping and educating consumers about all things insurance, from answering questions to looking into complaints against insurance companies, providing help with filing appeals for claim and coverage denials and everything in between.

We recently launched a live chat feature to help consumers get answers to their quick questions about insurance and their rights. Consumers can chat with one of our consumer advocates Monday through Friday from 10 a.m. to noon and from 2 p.m. to 4 p.m. If your question needs more attention, we will direct you to the right place to get the help you need.

Consumers can reach us:

• By phone at 1-800-562-6900
• Online
• Through our social media channels 
• File a complaint against an insurance company or professional. Our complaint system is optimized for mobile devices.  

Helping Washington consumers is our mission

This week is National Consumer Protection Week and the OIC is one of the many government agencies that helps protect consumers from financial harm.

Consumer protection is part of our mission, which is reflected in the way we do business. Our consumer advocates can help:

• Answer questions about home, auto, health, life, annuities, business and other insurance. 
• Understand your insurance rights, including your health insurance appeal rights and the process. 
• Look into complaints against insurance companies. 
• Provide you with information about your insurance options. 
• Verify if an agent, agency, or company is authorized to sell insurance in Washington state. 

In 2015, our consumer advocates fielded 6,130 consumer complaints and helped recover more than $9.1 million in insurance billings, refunds and other claims-related issues for Washington citizens. Read more about the ways we helped consumers in 2015.

We share information of interest to insurance consumers on this blog and through our social media channels. Many of our blog posts are generated by questions our consumer advocates receive from Washington citizens.

More resources for consumers:

• Reach us by phone at 1-800-562-6900 or online.
• File a complaint against an insurance company or agent. 
• Read more about consumer advocacy at OIC.
• Read more about your insurance, including home, life, auto, health, annuities and business.

How to get health insurance if you missed open enrollment

If you missed open enrollment and didn't sign up for health insurance by Jan. 31, 2016, you may have to wait until next year's open enrollment period, unless you have a life event that makes you eligible for a special enrollment or you qualify for Apple Health (Medicaid).

Such events include, but are not limited to:

• Losing health insurance, including an employer plan or individual health plan
• Losing Apple Health (Medicaid) because you no longer qualify
• Giving birth to or adopting a child
• Permanently moving to a new area where your current plan doesn't provide coverage
• Your employer not paying your COBRA premiums on time
• Your COBRA coverage ending or reaching the lifetime limit
• Your dependent turning age 26 and losing their coverage on your employer plan
• Getting married or entering into a domestic partnership
• Getting divorced or ending a domestic partnership
• Cancelling your Washington State Health Insurance Pool (WSHIP) coverage
• Your health plan no longer being offered for sale in Washington state

Most special enrollment periods are limited to 60 days from the qualifying event. Keep in mind that you won't qualify for special enrollment if you voluntarily cancel your health insurance or if your insurer cancels you because you didn't pay your premium.

If you don't qualify for special enrollment, here's some resources that may help you afford medical care.

Next year's open enrollment for individual and family coverage starts Nov. 1, 2016.

Who determines how much my totaled car is worth?

We hear from many consumers who are trying to resolve their auto total loss claims with their own insurer or another insurer. A total loss is when a vehicle is in a collision and the insurance company determines it would cost more than the vehicle is worth to repair it, so they “total” it.

Once an insurer declares a vehicle a total loss, they owe you the retail market value of your car, plus sales tax. But how do you know if the amount the insurer offers you is a reasonable estimate of the retail market value? Many consumers don’t know they have the right to, and should, ask the insurance company for a total loss valuation report, which shows the comparable auto data the insurer used to calculate your vehicle’s value. Most insurance companies don’t automatically provide the report to consumers and there’s no requirement that they provide it without being asked.

Insurers can either give you cash for your vehicle’s retail value or offer to replace your vehicle with a comparable vehicle in your area.

Read more about auto total loss on our website. Questions? You can contact our consumer advocates online or at 1-800-562-6900.