by admin | Apr 11, 2023 | Health & Wellness
According to WebMD, the eyes are the most highly developed sensory organs in your body. Did you know that more of your brain is dedicated to the sense of sight than to all of the other senses combined? So, it makes sense that you would do all that you can to protect and care for these important organs. Vision insurance can be a great asset as you work keep your eyes healthy.
What is vision insurance?
In a nutshell, vision insurance functions like a discount. It is an ancillary benefit used to reduce the costs of eye-related care, eye products, and eye surgeries. Group vision plans are typically purchased through employers, associations, or government programs like Medicare or Medicaid. Plan subscribers usually receive free eye care, like annual eye exams, and a fixed discount on eye wear in exchange for a monthly premium. Typically, vision insurance is a separate policy from your health insurance.
What are the benefits of having vision coverage?
Because your eyes are the most complex sensory organ in your body, it is important to keep them healthy. Vision coverage allows you to have annual eye exams. At these exams, the optometrist determines if you need corrective contact lenses or glasses to improve your eyesight. Vision plans vary but typically you can get a new pair of glasses or contact lenses every 12 months.
Eyes aren’t just the window to your soul – they also offer a glimpse into your health. A little known fact is that during a comprehensive eye exam, your doctor is able to evaluate the health of the blood vessels in your retina. This is a good indicator of the health of your blood vessels in the rest of your body. These exams can even detect hidden medical conditions like brain tumors, diabetes, high cholesterol, high blood pressure, or even cancer.
What does vision insurance cover?
When it comes to the cost of your glasses, you need to understand that there is a difference between lenses and frames. Usually, standard lenses are covered 100% but if you want any added features like reflective coatings, anti-scratch resistance, or anti-glare coatings, you would be responsible for the additional cost. For frames, your insurance provider will give you an allowance. Let’s say that they will give you a $130 allowance. If you pick a pair of frames that costs $200, you are responsible for the difference. Contact lenses are also covered but usually in lieu of frames. In other words, you need to pick one or the other.
Very few vision plans cover elective surgeries such as Lasik surgery or Photorefractive Keratectomy (PRK), but oftentimes your insurance provider may provide you a discount for those services. Also, if you take part in a Flexible Spending Account (FSA) or Health Savings Account (HSA), you can use those funds to cover expenses not covered by your vision plan.
As with other types of health insurance, vision insurance works with a network of doctors to provide discounted prices. So, you want to make sure that your eye care practitioner is in your network to get the most savings. Typically, out-of-network benefits aren’t very good.
Vision insurance plays a huge part in keeping your eyes healthy. Through regular eye exams, not only are your eyes evaluated, but the health of the rest of your body is too. By scheduling eye exams, you are also able to obtain corrective eye wear that allow you to see clearer and without eye strain. Healthy vision is a benefit you don’t want to lose!
by Johnson and Dugan | Mar 17, 2023 | Health & Wellness, Hot Topics
Author: Michael Mulqueeney, Vice President of Business Development, Johnson & Dugan
Back in 1989, when I was 29 years old, I went through a six-month period where I had a rapid onset of symptoms that impacted my ability to feel anything from my waist down to my toes. My doctors eventually settled on three probable diagnoses: Multiple Sclerosis (MS), Amytrophic Lateral Sclerosis (ALS), or Epstein-Barr. These possible diagnoses rocked me.
Six months with no feeling from the waist down
I didn’t know much about what was happening to my body. I wasn’t a doctor or nurse, and this was long before I worked in employee benefits, which now gives me more insight into health and wellness. But I did have a close relationship with a family friend who had MS. She was retired and living a reasonably normal life, with what appeared to be little impact on her day-to-day activities. So, I thought, “Well, if it’s MS, I can probably deal with that.” But the idea of ALS freaked me out. I knew it wasn’t good, so I kept my fingers crossed that I didn’t have that.
During this 6-month period, I was numb from the waist down—hips to toes. I had zero feeling though I could still move around with significant effort. I was so stiff I could barely walk, and when I did, it felt like I was walking on stilts. Walking considerable distances was out of the question, which was really discerning, but I just pushed forward and hoped for the best.
I wasn’t really in pain, so I didn’t take medication. I was told that the medicine would “hopefully” relieve some of my symptoms, but it wasn’t clear if it would improve the stiffness, and it wouldn’t be a cure. So, I skipped the drugs and just made heavy lifestyle changes, mainly with my diet.
Fast forward six months later: I was driving a long commute in southern California between Huntington Beach and Tarzana when I noticed tingling in my legs. Two to three weeks later, I got all the feeling back, and my symptoms subsided.
Symptom-free for 10 years. Was it MS or a misdiagnosis?
Ten years later, in 1999, I was still symptom-free but decided to have a new doctor review my medical history. He didn’t think I had MS because he thought it would have presented itself again. He said my symptoms ten years prior could have stemmed from something else, such as a virus like Guillian-Barre syndrome. The doctor said to let him know if the symptoms ever came back. But they didn’t. That is, until 2019.
30 years later: A concrete diagnosis—then the anxiety set in
Back in 1989, I’d only been given a “probable” diagnosis because my MRI scans were all clean. I had no signs of degeneration of the myelin on my spinal cord that you typically see with MS. While my spinal tap indicated that it could be MS, doctors said they needed to see another round of symptoms before providing a diagnosis. Three decades later, the doctors got just that.
So, we’re talking about 30 years without symptoms when suddenly, I started having issues with my walking again. Things progressed rapidly from there, and I finally got concrete answers. Doctors confirmed that I had MS through an MRI I had completed in the Spring of 2020—just when we were entering the first stages of the pandemic. The medications and treatment options that my doctors suggested for me are the kind that shut down your immune system and restart it. That seemed very scary to me since having a healthy immune system seemed to be an advantage for those who contracted COVID.
Needless to say, I had a lot of anxiety about the treatments my doctors were suggesting. We didn’t have the COVID-19 vaccine yet, and the thought of messing with my immune system made me uncomfortable. So, as in 1989, I decided not to do any medication and went hardcore on lifestyle and dietary improvements instead.
I firmly believe that solid nutrition, regular exercise, and consistent sleep are the primary foundations of good health. So, I changed the way I ate, opting for a Mediterranean diet, plus juicing with fresh, organic raw fruits and vegetables three times a day. I also started taking natural organic supplements and vitamins. I made sure they were highly vetted and from reliable sources—because my experience in employee health and wellness has taught me that many manufactured vitamins don’t have the benefit that people think they do.
I also added stretching and yoga to my daily routine to help with my stiffness and mobility issues. These changes improved some of my symptoms, like my “foot drop,” which prevented my left ankle from moving, causing it to drag while I walked. I seemed to be “treading water” after adapting my diet and lifestyle. I was feeling pretty good for about a year.
Revisiting MS medication options after the COVID-19 vaccine
By 2021, I noticed I was getting worse again and going in a direction I didn’t like. I was vaccinated against COVID-19 at this point, so I revisited the medication options with my neurologist. He said he was glad we didn’t do Rituximab, the medication he’d initially recommended in 2020. It was an IV immunotherapy drug, and they had seen issues concerning the COVID virus. Instead, he recommended a different medication called Tysabri. I completed the testing and pre-work required to qualify for the treatment, but I was still nervous about it, and with good reason: I was told if I’d had something called the JC (John Cunningham) virus at any point in my lifetime, the medication could kill me. Well, that didn’t give me much confidence about moving forward. I had been tested and cleared of the JC virus, but I was still feeling nervous, so I decided to pull the plug on starting that treatment too.
I was looking for hope that my MS symptoms could improve
Fast forward to 2022. I continued to get a little worse, and I wanted some hope. I think that was one of my biggest issues. I was looking for my doctors to give me hope that I could feel better. I woke up every morning feeling like my body had been a punching bag for a boxer. I’d stretch after getting out of bed to reduce soreness and stiffness and increase my mobility, but I wanted some hope that my symptoms could improve. I hadn’t been getting that.
My doctors, as reputable as they were, could only tell me their goal with the medication was to prevent me from feeling worse or to slow the progression of the disease. That’s why I didn’t want to pursue the treatment. I wanted to feel better. I have followed people with MS who share their personal experiences using various strategies, whether medications or more natural means. A wide variety of things have worked for some but not for many.
Undeniably though, my symptoms were going downhill. So, I started doing my own intense research. I went into MS blogs and chatrooms to connect with people who’d been on MS medication and compared our symptoms. I discovered some hope out there. But unfortunately, the medications didn’t work universally for everybody. It seemed hit or miss. Doctors were treating MS in many ways. They’d often start with one medication, and if that didn’t work, they’d try another one, and then another, and so on.
Many people I talked to had been through that trial-and-error process, yet others had one medication in particular that moved the needle for them. One gentleman I spoke to had been in a wheelchair for MS and had dealt with symptoms for about 25 years. It had progressed much more rapidly for him than for me, but many of our symptoms were the same. He’d gone on the same drug (Tysabri) that my doctors wanted to prescribe me. Before the treatment, he could get from his wheelchair to the bed or a chair but couldn’t walk well. He took the medication, and today he’s running 10Ks. Now, that was kind of the hope I was looking for. I don’t expect to be running 10Ks, but even if I could walk a 1K, that would be an improvement because I can’t run at all right now, and walking is labored.
One of the symptoms I have is called MS hug. It’s a tightness around the torso that feels like I just did 500 sit-ups. And it feels like that, 24 hours a day, seven days a week. It’s hard to run when you feel like that. So, in hearing this guy’s story, I got some hope and started thinking about what I could do.
Adios anxiety: the benefit of an expert second medical opinion
In my occupation with Johnson and Dugan, we provide products and services for employers so they can offer employee benefits to take care of their people. I’ve spent much of my career in employee benefits—specifically, partially self-funded plans. I’ve worked with groups to add specific strategies and employee benefits to assist people, reduce claims, and improve health outcomes. That got me thinking about MORE Health.
I liked the idea of an expert second opinion. I’m in a closed HMO, though, so if I go outside the HMO, it comes out of my wallet. I saw that MORE Health has a way to bring in a benefit at a reasonable cost so that employers can give their employees an option for a second opinion. Now, I really started thinking about a second opinion. I wanted one for myself because, after all this time, I still felt unsure about what treatment option to try—if any. This experience also led me to question why most health plans don’t offer coverage for second opinions. This is a problem in our healthcare system, I believe. At a recent NextGen healthcare delivery strategy conference I attended, I learned that 1 in 20 adults in American are misdiagnosed every year. Knowing this, it surprised me to dig in and discover that none of the major insurance carriers include a second opinion as a benefit of their coverage for a serious major illness! This surprised me, especially when you look at the significant costs that come along with a misdiagnosis. These costs may not involve money alone, it could mean ones life.
I had doubts about my treatment options for many reasons: I was concerned about how the medications interacted with the COVID-19 vaccines and boosters. My son—who eats a primarily vegetarian diet, does yoga, and is not a firm believer in Western Medicine—has not been a fan of me going the medication route. And given my line of work and what I’ve seen on the news about the pharmaceutical industry recently, I didn’t know how much I could trust any of it.
I thought getting a second opinion from a leading specialist would be helpful. I wanted somebody to look over my shoulder and give me a thumb up, sideways, or down on what my doctors were proposing. So, I reached out to MORE Health.
They did most of the work and paired me with a leading specialist for MS who looked at my entire case. All my records were delivered virtually to that physician through their online technology, including my MRIs and CT scans. I could even provide a report from years prior. I still had my physician’s assessment from 1989 in my files, which had data on the initial findings from my spinal tap and MRIs. Within five days, I got the final report. It came in the day before my first scheduled infusion therapy.
I’d prepared myself to pull the plug on the treatment that morning, but I didn’t have to. I got a detailed report from MORE Health that reviewed all my medical records, their findings of my CT scans, MRIs, and blood work. The specialist they assigned to my case examined everything and commented on it. The report included a conclusion with the physician’s recommendation that I go forward with infusion therapy (Tysabri) every six weeks, which is what my doctors at home had prescribed. The physician also wrote a caveat that if I didn’t see results in a certain amount of time, they would recommend a second medication.
Before getting an expert opinion on my case, I was going through a lot of anxiety about doing the infusion therapy. After receiving the specialist’s final report, I was very relaxed. I wasn’t anxious at all as the report provided through the MORE Health second opinion relieved my apprehension about getting started on this immunotherapy treatment.
As I write this, I am less than 24 hours from my fourth infusion of Tysabri. So far, the physical difficulties I have experienced have remained in check, and my physical symptoms haven’t gotten worse. My focus and productivity at work have improved. I hadn’t considered those issues before treatment. I just struggled along and pushed myself to be productive—all while experiencing various leg pains and on-and-off discomfort that worsened as the day progressed. My doctors say that for some people, the benefits of the drug kick in right away, while for others, it takes 12 months, and for others still, it never works. I’ve always been a glass-half-full guy, though. It’s not in my nature to be a pessimistic person. I’ve always looked forward and believed the future has yet to be created. We will have to wait and see how the treatment shows up for me, but as for the anxiety, adios!
About the Author
Michael Mulqueeney is the Vice President of Business Development with Johnson & Dugan Insurance Corporation, a UBA Partner Employee Benefits Advisory firm that has been in business in the San Francisco Bay Area for nearly 40 years. Mike was diagnosed with Remitting Relapsing MS in 2020. He lives in the hope of feeling better physically and maintaining his ability to play a round of golf—as hard as it may be for others to watch.
About MORE Health
MORE Health is a global digital health company known for giving individuals access to the best medical minds in the world when facing a serious illness or diagnosis. Recognized as a leader in cross-border telemedicine, MORE Health delivers virtual Expert Medical Opinions from world-leading specialists by pairing technology and world-class service. Offered as an employee benefit or on an individual self-pay basis, this service is available to groups of any size in the U.S. and abroad. Since 2013, MORE Health has helped patients on six continents and continues its mission to provide patient advocacy to clients and members worldwide—when they need it most.
by admin | Dec 21, 2022 | Health & Wellness
The holidays are often the busiest time of the year for a lot of people which can make it hard to stay mentally and physically healthy. With a little intentionality and understanding, you can fully enjoy the holidays while keeping your health in mind.
6 Tips to Make Your Holidays Brighter:
Get Enough Sleep
Sleep is often the first thing to go during a busy holiday season. Poor sleep, especially over a period of a few weeks, leads to poor functioning: it impacts your immune system, ability to concentrate and your mood – all things that make you even more stressed out. It’s a vicious circle.
Prioritize “Me Time”
Taking some much needed “me time” isn’t selfish; taking care of yourself is one of the best mental wellness gifts you can receive. Do some yoga, take a walk, relax in the bathtub, or simply take some time to catch up on some reading. Your mental health will thank you for it.
Practice Self-Control When It Comes to Food
Cookies, muffins, cakes and countless other temptations are prevalent during the season! The holidays are a time when a lot of people pull out their stretchy pants from the back of their closets so they can eat sweets and delicious foods to their hearts’ content. It’s okay to enjoy holiday treats but it’s important to be mindful of your choices and then balance your treats with healthy foods.
Plan Ahead to Avoid Last Minute Stress
Staying on top of your errands and to-do list by thinking ahead. Getting your holiday shopping done early helps you avoid the stress of last-minute shopping when you might not be able to find the things on your list.
Get Some Exercise
Exercise is an excellent way to destress. But don’t worry if you miss some time at the gym – the holidays are always busy and making your regular 7 a.m. spin class after a holiday party probably isn’t going to happen, and that’s okay. Focus on simply moving your body. Take the stairs or park your car further away from your destination to get some more steps in!
Don’t Compare Yourself to Others
Pinterest floods your feed with extravagant party decorations. Not to mention seeing beautifully decorated homes in TV commercials or social media posts of lavish gifts can make you feel overwhelmed. You might even start to think your holiday celebrations aren’t up to par. Just remember: your holiday traditions are your own and they don’t have to be like anyone else’s.
While the holidays can feel exhausting, it’s also a time to be enjoyed and savored. Make time for the activities you enjoy this season, such as Christmas baking, holiday movies, ice skating, and favorite family traditions. But most importantly, be present. That’s the best tip of them all.
by admin | Nov 21, 2022 | Health & Wellness, Workplace
The U.S. Surgeon General, Dr. Vivek Murthy, recently released the Framework for Workplace Mental Health & Wellness to set a new standard for expectations of employers. In this new normal, Human Resources leaders must take some responsibility for the wellbeing of those who work in their organization.
The report is comprehensive and includes research and data supporting the need for wellness and describing the reality for many of the 160 million U.S. workers. More than 80% of people say workplace is a factor in one or more of their mental health challenges, according to Mind Share Partners’ 2021 Mental Health at Work report, which is cited by the U.S. Surgeon General. Also, more than 75% of U.S. workers reported having at least one symptom of a mental health condition, according to that same report.
Why Focus on Wellness Now?
Not surprisingly, this data, along with the recent trauma of the pandemic, led Murthy to share this report.
“People have been going through a reckoning, asking themselves what they really want out of work but also what they’re willing to sacrifice for work,” said Murthy on CBS News.
In the latest HR Exchange Network State of HR report, HR leaders revealed that burnout was the greatest consequence of the pandemic, so there is urgency around this kind of guidance. Because few Human Resources professionals are trained in mental health, they are hungry for the kind of information found in this government report.
To begin, here are the 5 recommendations for moving forward:
Protect from Harm
The purpose of this suggestion is to emphasize the employer’s role in ensuring that workers and those connected with the business are psychologically and physically safe. Obviously, the bare minimum is having plans for fires, emergencies, and other events that could cause physical harm. Laws usually guarantee some sort of adherence. However, this tenet goes a step further by suggesting enabling people get plenty of rest and that the organization has a diversity, equity, inclusion, and accessibility plan to help develop a sense of belonging and security.
Build Community
In the report, the U.S. Surgeon General directs employers to help people develop social connections. It is the obligation of employers to create an atmosphere ripe for collaboration and teamwork. Of course, most employers are already trying to help teams thrive because it is beneficial to the bottom line, too. But this report also recommends cultivating trust. That’s deep and requires business leaders to develop empathy and encourage socializing and bonding.
Opportunity for Growth in the Workplace
This suggestion is pointed and interesting because the health practitioners are clearly connecting a person’s ability to develop their minds and move forward in their jobs and careers to their wellness. The U.S. Surgeon General recommends offering quality training, mentorship, pathways to promotions and growth at work, and regular, reciprocal feedback.
“When people thrive at work, they are more likely to feel physically and mentally healthy overall, and to contribute positively to their workplace,” according to the U.S. Surgeon General report.
A Sense of Self-Worth
People need to feel needed. The Surgeon General suggests that employers express that they value their workers. They should show gratitude and help people recognize the meaning and purpose of their work no matter what it is. In this tenet, the report includes information about providing a living wage, letting employees weigh in on decisions, and connecting the work of employees with business objectives.
Work-Life Harmony
The idea behind this tenet is to provide better work-life balance and flexibility. Employers should give people the time and support they need to fulfill responsibilities outside of their work. Respecting boundaries is an obvious suggestion. Some companies are prohibiting emails and calls after a certain time of day, for example. But the U.S. Surgeon General goes a step further by recommending greater access to paid leave and allowing for more autonomy when it comes to how and when employees get work done.
“It’s not only about work,” says Murthy. “It has a broader benefit for society as a whole.”
By Francesca Di Meglio
Originally posted on HR Exchange Network
by admin | Nov 1, 2022 | Health & Wellness
Diabetes is increasing at an alarming rate in the United States. According to the CDC’s (Centers for Disease Control) National Diabetes Statistics Report for 2020 cases of diabetes have risen to an estimated 37 million (or 1 in 10 people in the U.S.). November is National Diabetes Month and is a great time to bring attention to this disease and its impact on millions of Americans.
What is Diabetes?
Diabetes is a chronic health condition that affects how your body converts food to energy. With diabetes, the body either no longer makes insulin or the insulin that is made no longer works as well as it should. Either way, high levels of glucose (a form of sugar) build up in the blood. When this happens, your body can respond in some serious ways that include liver damage, stroke, heart disease, vision loss, kidney disease and damage to the feet or legs.
Most Common Types of Diabetes
- Type 1 – usually diagnosed in children and teens. Type 1 diabetics need to take insulin every day to survive.
- Type 2 – develops over many years and is usually diagnosed in adults (but is developing more today in children and teens also). With Type 2 diabetes, your body doesn’t use insulin well and can’t keep blood sugar at normal levels.
- Gestational Diabetes – develops in pregnant women who have never had diabetes.
7 Warning Signs of Diabetes
- Frequent Urination
- Increased Thirst or Dry Mouth
- Unexpected Weight Loss
- Persistent Hunger
- Foot Pain and Numbness
- Fatigue
- Blurred Vision
Type 1 Diabetes
Type 1 diabetes, also known as juvenile diabetes, occurs when the body does not produce insulin. Insulin is a hormone responsible for breaking down the sugar in the blood for use throughout the body. People living with type 1 diabetes need to administer insulin with injections or an insulin pump.
There is no cure for type 1 diabetes. Once a person receives their diagnosis, they will need to regularly monitor their blood sugar levels, administer insulin, and make some lifestyle changes to help manage the condition.
Type 2 Diabetes
Type 2 diabetes, the most common type of diabetes, occurs when your cells don’t respond normally to insulin, which is known as insulin resistance. You can develop type 2 diabetes at any age but it occurs most often in middle-aged and older people and tends to appear gradually. In most cases, medication along with changes in exercise and diet can help manage type 2 diabetes.
Gestational Diabetes
Gestational diabetes is a condition in which a hormone made by the placenta prevents the body from using insulin effectively. Unlike type 1 diabetes, gestational diabetes is not caused by a lack of insulin, but by other hormones produced during pregnancy that can make insulin less effective. Gestational diabetic symptoms disappear following delivery but gestational diabetes increases your risk for type 2 diabetes later in life.
Outlook
There is good news for those living with diabetes – and those at risk. Experts are learning more all the time about lifestyle steps for diabetes control and prevention. New medications and devices can also help you control your blood sugar and prevent complications. For more information on diabetes and how to make good choices, visit the American Diabetes Association website.
