This summer has been scorching, and it looks like it’s not over yet.  Personally, I can’t go outside without sunglasses, and I’ve even treated myself to prescription ones.  I need to see for everything I do – writing, editing photos, surfing the web – so I was glad to find an article on WebMD talking about protecting eyesight during the summer.

The first thing they recommend is sun protection.  This is more than just sunglasses; it’s wearing some type of a hat or visor too in order to preserve your eyes.  Choose ones that protect against both UVB and UVA rays – the tag should tell you if they do.  Studies have shown this can actually protect you against cataracts down the road.

Their next tip is eye protection while doing things like mowing, hammering nails, chopping wood.  Sunglasses aren’t enough; anyone nearby should wear goggles, including kids if they are watching or playing nearby. 

If you play sports with any type of ball, check out the sporting good store for some mask or shield which can protect your eyes while participating.  Remember, the smaller the ball, the greater the chance of injury.

Avoid both man-made and natural chemicals.  This includes everything from pools with too much chlorine to poison ivy or oak.  Wash your hands, then wash your eyes immediately if you come into contact with anything. 

Finally, just be aware of potential threats to your eyes.  Fireworks, toys that shoot something, bungee cords – there’s dozens of different things.  I know you can’t walk around wearing goggles all the time, but you can at least be conscious of risks.

If you follow these suggestions, chances are you’ll never have to find out what your emergency room deductible is on your health insurance policy over an eye injury.  Enjoy your summer!

Hard to believe it’s time to go back to school already, but the aisles at Wal-Mart and Target are packed with students picking their school supplies.  Sure, your college student isn’t worried about buying crayons and erasers – their needs are much more sophisticated.  Now you have to worry about things like student health insurance!

Most health insurance policies will continue to cover your kids (no matter how old, they’re always your kids, aren’t they?) up to the age of 25 as long as they are full-time students.  Check with your insurance agent to confirm this.

Many colleges require proof of health insurance as part of the registration process. It’s also possible that the college medical center may not accept your insurance plan. 

If your health insurance policy doesn’t cover family members over 18, or the college health service doesn’t participate in your medical plan, there are still several options available.  Fortunately many schools offer a student health insurance plan as well at rates that may be only slightly higher than your current policy. 

Your son or daughter may be also be eligible for COBRA coverage under your policy.  Although it may be more expensive, it could also keep health coverage in place until you find a less costly insurance plan.

Since your college student is young, and probably quite healthy, next consider purchasing an individual health insurance plan in their name.  Their age and health will work in their favor for affordable medical coverage.  It’s easy to shop around for this low-cost health insurance.

It’s also a good idea to identify in-network health care providers in the town the college is located in, including at least one participating hospital.  There’s no time during an emergency to stop and find that information.   Make sure your student has their own insurance card too before they leave.