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HEALTHY LIVING

Make use of your HSA, FSA funds for eye care

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As the year winds down, it is a great time for you to knock things off your checklist, such as annual doctor visits, gift lists and travel plans, so that you can enjoy the holiday season. One crucial doctor’s appointment that many put off is an annual eye exam. Annual eye exams can help you stay current with your prescription, give you an opportunity to discuss contact lens options if you feel discomfort in your current lens and help your eye doctor detect any eye diseases or vision problems. Maintaining your annual check-up with your eye doctor is vital for your overall health, but another good reason to visit your eye doctor is so that you can take advantage of any remaining funds in your flexible spending account (FSA) to help cover the costs of your annual exam and/or contact lenses.

How to safeguard your eye health and comfort

No matter your age, it’s important to have a complete eye exam every year, and to take care of your vision by protecting your eyes from common stressors and hazards.

Here are some ways to ensure your eyes stay healthy and feel their best.

1. Schedule your annual eye exam

If it’s been over a year since you’ve seen an eye care provider, make an appointment for an eye exam. Your eye care provider not only checks your vision, but they can assess other issues of eye health such as dry eye and glaucoma, which can affect people of any age (though both are more likely to affect older adults).

2. Consider a contact lens upgrade

If you need corrective lenses, ask your eye care provider about the TOTAL family of products, which use proprietary Water Gradient Technology for ultimate comfort. The lens material features a gradual increase in water content, approaching 100% water at the surface, so nothing touches your eye but a gentle cushion of moisture.

“Many patients who wear contact lenses think it’s normal to experience a little discomfort or dryness and may hesitate to bring it up during their annual eye exams, but it doesn’t have to be that way,” says optometrist Melanie Denton Dombrowski. “My patients who switch to the Alcon TOTAL family of products tell me they are pleased to experience exceptional comfort. I’m very happy I can now offer the same level of comfort to everyone, even my patients with astigmatism.”

Available options include:

  • Dailies TOTAL1®, Dailies TOTAL1® for Astigmatism and Dailies TOTAL1® Multifocal are the first and only Water Gradient, daily disposable contact lenses that are designed so that nothing touches your eye but a gentle cushion of moisture, providing exceptional comfort.
  • TOTAL30® is the only Water Gradient monthly replacement lens and is clinically shown to feel like nothing, even on day 30. The advanced technology of TOTAL30® is durable and remains intact during a full month of wear with daily cleaning, disinfecting and storing.

“Contact lens options differ by length of time they’re intended to be worn, and the type of vision correction needed,” says Dr. Denton Dombrowski. “Your eye doctor can help determine your vision correction needs and which lens is right for you.”

To learn more about the TOTAL family of contact lens options, visit TotalContactLenses.com.

3. Practice good eye care

A few simple habits can help reduce eye strain and protect against common irritations. This is crucial for those who work long hours in front of computers or spend time outdoors in the elements.

  • Don’t rub your eyes — The surface of your eye scratches easily, and even gentle rubbing may cause debris to damage your cornea. If your eyes feel gritty, try a premium lubricant eye drop, like Systane.
  • Take breaks — Whether you spend the day in front of a screen or out in the wind and sun, rest your eyes occasionally by closing them briefly, or looking away from the screen or the sun for a while. Optometrists recommend computer users follow the 20-20-20 rule: For every 20 minutes spent staring at a screen, look at something 20 feet away, for 20 seconds.
  • Use protection — Spending time outdoors? A UV-shielding pair of sunglasses can help protect your eyes from several eye health risks and discomfort. It’s also a good idea to avoid looking directly at the sun.
  • Practice good hygiene — Always wash your hands before handling contact lenses or other eye products, and make sure the tip of an eye drop bottle never touches your eye or anything else directly.

If you’re looking for ways to use up the last of your FSA funds, think about making a visit to your eye doctor to discuss comfortable lens options. Use these tips to safeguard your eyes, and learn more about contact lenses and other products to help care for your eyes at TotalContactLenses.com.

Rx only. Ask your eye care provider for complete wear, care and safety information.

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HEALTHY LIVING

Stroke recovery starts early, continues for a lifetime

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(Feature Impact) When it comes to stroke, time matters. Recognizing the warning signs and calling 911 quickly can help with receiving time-sensitive, life-saving treatment. Recovery should begin early, too.

Having a stroke can divide life into a stark before and after, affecting many aspects of daily life. While it’s easy to focus on the things a stroke can take away, it’s important to remember there’s life after stroke. Recovery isn’t just about relearning skills. It’s about adapting to new challenges, finding purpose in a different reality and continuing to move forward.

Navigating the aftermath of a stroke means balancing short-term and long-term plans. Once medically stable, rehabilitation should ideally begin within 48 hours, according to the 2026 Guideline for Adult Stroke Rehabilitation and Recovery from the American Stroke Association. Recovery doesn’t have a fixed end. Meaningful progress can continue for months or years after survivors leave the hospital or complete formal therapy.

“Stroke rehabilitation is complicated,” said Lorie Gage Richards, Ph.D., FAHA, volunteer chair of the new guideline, associate professor at the University of Utah and an occupational therapist. “Each person faces a different set of challenges and care should be personalized to fit each person’s needs. The goal is to help individuals gain as much independence as possible to perform everyday activities while improving their overall quality of life.”

Approximately 800,000 people have a stroke each year in the U.S, according to the American Heart Association’s 2026 Heart Disease and Stroke Statistics. Whether you’re navigating recovery yourself or supporting someone you love, connecting with a coordinated healthcare team is an important first step. Ask about a comprehensive assessment, develop a rehabilitation plan based on what matters to you and set small, achievable goals throughout recovery.

Building Skills and Independence

After a stroke, familiar parts of a daily routine may take more effort or require a new approach. A rehabilitation team can assess how stroke has affected movement, communication, thinking, vision, hearing and other abilities then develop a plan based on individual needs and goals.

Recovery doesn’t look the same for everyone. For one person, a meaningful goal may be dressing independently. For others, it could be returning to work, driving safely or participating in favorite activities. Start with manageable goals, evaluate progress and reassess the plan as needs change.

Understanding the Invisible Impacts

Some of the most challenging parts of recovery may be the ones others can’t see. For instance, you might lose confidence or sense of identity, have trouble concentrating or experience anxiety or depression. Along with mental and emotional changes, you may notice ongoing physical symptoms like pain, difficulty sleeping, changes in sexual function or difficulty with bladder control.

Invisible challenges don’t have to stay that way. Ask your healthcare team to assess your physical and emotional health, including depression and anxiety, during the hospital stay and throughout recovery. Speaking up about new or changing symptoms can help identify appropriate treatment and support.

Navigating Changing Relationships

When you have a stroke, your life isn’t the only one that changes. A partner, parent or friend may suddenly take on new responsibilities, making honest conversations about support especially important.

Family responsibilities may also look different. Parenting young children, supporting loved ones or balancing work and family can bring new challenges during recovery. Give yourself permission to slow down, accept care and connect with the people who matter most.

Finding Purpose and Redefining Success

Recreation, hobbies, social connections and other meaningful activities are an important part of recovery and can help people regain confidence, participate in their communities and improve quality of life. That may mean returning to music, art, exercise or time with friends. It could also mean modifying favorite activities, discovering new interests or connecting with a support group.

Life after stroke may look different, but different doesn’t mean less meaningful. Recovery isn’t measured by how closely someone returns to who they were before. It’s about finding new ways to pursue what matters most and continuing to move forward.

Learn more about recognizing stroke, preparing for rehabilitation and adjusting to life after stroke by visiting Stroke.org.

Photos courtesy of Shutterstock

SOURCE:

American Stroke Association

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HEALTHY LIVING

Hidden ways to save on home insurance costs

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(Feature Impact) When you’re planning home improvements, you’re often thinking about improving the comfort, safety, aesthetic or value of your home. Many changes and renovations have the added bonus of unlocking insurance discounts, but these savings opportunities can easily fly under the radar when you aren’t actively on the lookout for them.

“Homeowners tend to think about their insurance when they buy the house or when they have a claim, but a lot can change in between,” said Larry Anderson, director of underwriting operations at Mercury Insurance. “Something as simple as reviewing your policy with your agent once a year can help make sure your coverage still reflects your home today and identify improvements or other factors that may qualify you for additional savings.”

The experts at Mercury Insurance, a multiple-line insurance carrier emphasizing competitive rates and excellent customer service, encourage homeowners to consider these five ways to save on home insurance costs.

Updating Older Parts of the Home

As a home ages, it’s wise to look at what parts and systems may be deteriorating and need upgrades for modernity or safety reasons. Replacing older electrical, plumbing or other major systems can protect your home from emergencies and loss risks. Depending on the state you live in, your specific policy and the improvements you made, it can also qualify your property for an updated-home insurance discount.

Keep records of major improvements – including receipts, work permits and information about when the work was completed – and plan to discuss the upgrades during your next insurance review.

Adding Protective Technology

Beyond replacing the batteries in your smoke detectors, you can outfit your home with a variety of protective devices that make a difference to insurers. Consider options like monitored burglar and fire alarms, smart water sensors and automatic water shutoff systems designed to detect problems before they become major losses. Remember, while security upgrades can make your home less risky to insure, they won’t save you money if your insurer doesn’t know you’ve installed them.

Improving Resilience to Damage

If you live in an area prone to extreme weather or other hazards, resilience upgrades could both safeguard your home and access insurance savings. Depending on your location, qualifying improvements could include a stronger roof, wildfire mitigation measures or flood defense options. Local insurance agents can provide more specific guidance on ways to make your home less vulnerable to damage – or whether you’re eligible for discounts because of work you’ve already completed.

Qualifying for Community Programs

Even if you haven’t personally made renovations to your home, certain changes in your community could help you save on insurance. That could include local wildfire mitigation measures, membership in a qualifying homeowners association or other neighborhood characteristics that affect coverage options, but specific programs vary by location.

Reviewing Insurance Products and Discounts

Whether something significant has changed in your home or community or not, it’s always valuable to review your insurance coverage on a regular basis. For instance, there may be new products or discounts that simply didn’t exist when you originally purchased your policy. Beyond savings considerations alone, ask your agent questions to make sure your coverage still reflects your circumstances and goals.

“Finding savings is always welcome, but the bigger goal of a policy review is making sure your insurance keeps pace with your life and your home,” Anderson said. “A house isn’t static. We improve it, maintain it and protect it in new ways over time. Your insurance should keep up with those changes.”

For more information on homeowner coverage and discount eligibility, visit MercuryInsurance.com.

Questions to Consider During Your Annual Insurance Checkup

An annual insurance review is an opportunity to look for savings and update coverage. Use these questions as a jumping-off point for discussions with your agent:

  • What has changed about my home?
  • What has changed about my property or community?
  • Have my circumstances changed?
  • Are discounts available today that weren’t when I purchased my policy?
  • Does my coverage still reflect what it would cost to repair or rebuild my home today?

Photos courtesy of Shuttersotck

SOURCE:

Mercury Insurance

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HEALTHY LIVING

Oral and cardiovascular health connection

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(Feature Impact) People often think of dentists and doctors as totally separate healthcare professionals: one cares for your teeth and mouth while the other handles the rest of the body. In reality, the different systems in the human body are closely interconnected and oral health is no exception, making dentists a vital part of your healthcare team.

Oral health and heart health have a particularly close connection, with inflammation at the core of it. When your gums are inflamed, the resulting bacteria can make their way from your mouth through your bloodstream, potentially contributing to your blood vessels constricting or becoming blocked. This, in turn, may force your heart to work harder and raise your blood pressure, putting you at risk of heart disease and stroke. More than 46% of adults in the U.S. have high blood pressure, and more than 40% of adults age 30 and older are affected by periodontal (gum) disease.

To help address these issues, the American Heart Association’s Healthy Smiles, Healthy Hearts initiative, in collaboration with Delta Dental of California, is encouraging dental teams to take a total-body perspective with their patients. Simple steps like blood pressure screenings during checkups can give a more complete picture of a person’s overall health. If a member of your dental care team pulls out a blood pressure cuff at your next appointment, it’s a good sign.

“The mouth is a gateway to the body and can often reveal more about your total body health than you may think,” said Daniel Croley, D.M.D., chief dental officer at Delta Dental of California and Affiliates. “Oral health professionals have a powerful opportunity to integrate more into their patients’ collective health care team beyond protecting their patients’ teeth By connecting oral health and heart health, this initiative helps dentists identify risks early and guide patients toward care that can improve and even save lives.” 

Care for your teeth, gums and heart all at once using these tips from experts at the American Heart Association.

Follow a Brushing and Flossing Schedule

Good dental health starts with a daily routine. If you don’t want to sheepishly cringe next time the dentist inquires about yours, brush at least twice a day and floss at least once a day to disrupt plaque-forming bacteria. Dentists recommend using toothpaste with fluoride and brushing your teeth and gums thoroughly yet gently, as applying too much pressure can wear away enamel and cause gum recession.

Eat a Healthy Diet and Limit Sugar

Most kids are used to hearing sugar will rot their teeth – and that’s not just a parental scare tactic to get their little hands out of the candy jar. Sugar feeds harmful bacteria in your mouth, producing acid that can cause cavities and gum disease. For a diet your heart and teeth will both appreciate, prioritize vegetables, lean proteins, complex carbohydrates and healthy fats, while limiting added sugars and refined carbohydrates.

Avoid Smoking and Tobacco Products

The connection between smoking and oral disease is well established: smokers face significantly higher risks of developing periodontal disease, losing teeth or being diagnosed with oral cancer. Cigarettes aren’t the only form of tobacco to worry about, either. Vaping, dipping and chewing tobacco can also harm your dental health by drying out your mouth and restricting blood flow to the gums. Since these products are also harmful to heart health, quitting or avoiding them offers plenty of worthwhile benefits. Seek support if you need help to kick the habit.

Communicate with Your Healthcare Team

Since your body’s systems are connected to each other, it’s helpful to talk to your dentist about your blood pressure and to your doctor about your oral health. Start thinking of your dentist as a key member of your integrated healthcare team. Don’t be afraid to share your medical history, discuss the side effects of any medications you’re taking and ask for personalized recommendations on caring for your teeth, gums and overall health.

To learn more about how to improve your oral and cardiovascular health, visit Heart.org/OralHealth.

Photos courtesy of Shutterstock

SOURCE:

American Heart Association

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