Thursday, October 3, 2013

Is Laser treatment for eyes is beneficial?From where one can get according to budget?

lasik eye surgery q on Epi Lasik Eye Surgery | Lasik Reviews | Lasik Review
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Bobby


What is process and is there any age limit


Answer
The allaboutvision site has a lot of good information about eyes and corrective treatments. Below is a quote concerning LASIK and age.


"Q: Is LASIK eye surgery safe for teens?

A: LASIK is safe for teens, but it is not recommended for most teenagers. It is best to have LASIK only when you have stopped growing and your eyes have stopped changing, which is frequently in the very late teenage years or during your twenties. If you have LASIK before your eyes stop changing, you will need to come back and have further LASIK after your eyes stop changing. — Andrew Caster, MD, Caster Eye Center, Beverly Hills, Calif."

Heallth insurance for the self employed?




ladylaurar


I need dental and health insurance for an affordable price. I am unmarried.... what can I do? who offers it? how much will it cost?


Answer
As a self employed individual, you should do some reading on Health Savings Account qualified plans - I have posted an article I wrote earlier this year titled - The five reasons why the Nevada self-employed should look at HSA qualified plans in 2007

HSA Qualified Health Plans work by coupling a Qualified High Deductible Health Plan (Q-HDHP) with a Tax Advantaged Health Savings Account. The funds deposited to the HSA can be utilized to pay for Qualified Medical Expenses on a tax-free basis and balances roll over from year to year. The minimum Q-HDHP deductibles are $1,100 for single and $2,200 for family coverage. When coupled with 100% co-insurance plans they can significantly reduce the annual maximum out of pocket cash when compared with traditional Co-pay plans. This is especially true when discussing family plans where there may be deductibles for each family member. The Q-HDHP plans utilize family deductibles where one or multiple family members' medical costs go toward a single deductible.

Reason One - Q-HDHP's can reduce the insured's total liability when it comes to maximum out of pocket expenses. One of the more popular $500 deductible Nevada plans has an annual maximum out of pocket of $3,500 - for a family on this plan; the maximum out of pocket is $7,500. In addition, once the maximum annual out of pocket is reached, the insured still pays co-pays for physician's office visits and prescription drugs. With a Q-HDHP, the more popular "single deductible" plans can offer maximum out of pockets as low as $1,100 for individuals and $2,200 for families. In addition, once the deductible is satisfied, all covered expenses are paid by the plan; including prescription drugs.

Reason Two - For the self-employed; health insurance premiums are 100% tax deductible. However, in order to deduct your qualified medical expenses they have to exceed 7.5% of the insured is Adjusted Gross Income (AGI). Because the funds deposited into the HSA are 100% tax deductible, the insured now gets first dollar tax deductibility of their qualified medical expenses. In addition to routine medical care, some examples of Qualified Medical Expenses are; Dental treatments, Eyeglasses, Fertility enhancement, Lodging, COBRA Payments and LASIK Eye Surgery to name a few.

Reason Three - In 2006, the insured was required to have a Q-HDHP for a full year in order to fully fund an HSA. Thanks to the 109th Congress and President Bush, this is no longer a restriction. In 2007, a single person can now contribute up to $2,850 and a family can contribute up to $5,650, regardless of the deductible selected or when the insured obtains the Q-HDHP. Individuals who are 55 and older can make additional catch-up contributions of $800 to their HSA in 2007.

Reason Four - Nevada has over 120,000 self-employed individuals. The first few years of being self-employed are the most difficult when it comes to cash flow. The IRS is now allowing a one time "penalty free" funding of Health Savings Accounts by rolling funds from an IRA into an HSA. In order to avoid penalties, this must be a trustee-to-trustee transaction. This can free up as much as $470 in monthly cash flow for a family in their mid forties with two teenage children.

Reason Five - Many local banking institutions are now offering Health Savings Accounts. This makes it easier than ever for the self-employed to manage their Nevada Health Savings Account related finances. No longer does the insured have to use an HSA trustee that is located outside of the state of Nevada; making it painless to deposit and access funds that are necessary to pay for Qualified Medical Expenses.




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Title Post: Is Laser treatment for eyes is beneficial?From where one can get according to budget?
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