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Karla Flores

Insurance RX

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The Eyes Have It!

August 2, 2026 By Insurance Experts

The American Academy of Ophthalmology (AAO) designates the month of August to increase awareness of common eye problems in children. Here are some of the more prevalent problems that once diagnosed – can be treated at home:

  • A black eye may only need an ice pack for 15 to 20 minutes at a time to reduce swelling.
  • Pink eye (Conjunctivitis) is caused by either bacteria or a virus. Because each is treated differently, get a proper diagnosis and treatment from a doctor.
  • Eye allergies cause eyes to be red, itchy and teary. Again, testing may be needed by a physician. Once the source is identified, limit exposure as much as possible. Sometimes, all that’s needed are artificial tears to wash allergens away.
  • A stye looks nasty but is usually harmless and goes away within a week.

Other problems that cause conditions like nearsightedness are prevented with early medical intervention. Join AAO this month to familiarize yourself with how to give your children the best eye care possible.

For more information, visit AAO | 415.561.8534 | www.aao.org/eye-health  Twitter: @AcademyEyeSmart

Filed Under: Vision

What is Hospital Observation and Are You Covered?

July 15, 2026 By Insurance Experts

How Do I Know if I’ve Been Assigned Observation Status or Inpatient Status?

Hospital observation services are short-term outpatient services received when you are in the hospital for monitoring purposes and/or to determine whether you should be admitted as an inpatient. It is important to know that if you are receiving observation services (sometimes referred to as under observation status), you have not been formally admitted to the hospital as an inpatient, even if you are given a room or stay overnight.

This makes it difficult for you to tell if you’re an inpatient or an observation patient. You can’t assume that, just because you’re in a regular hospital room or in a hospital bed rather than on a gurney, you’re an inpatient. Your doctor or attending medical staff would be able to inform you.

Nor can you assume since you’ve been in the hospital for a few days you’re an inpatient. Although observation is intended for short periods of time, it doesn’t always work that way. For example, you go to the emergency room for stomach pain, after a diagnostic blood tests and or imaging/x-rays, there is no conclusive diagnosis and the doctor places you into observation for an overnight stay.

Most private insurance plans do not cover observation. That is why it is important for you to ask the doctor or medical staff if you are being placed in observation or admitted as an inpatient.

However, there is a supplemental plan that can help pay for hospital observation. Contact me for more information.

Filed Under: Health Insurance

Sunscreen

July 11, 2026 By Insurance Experts

Environmental Working Group is a non-profit organization whose mission is to empower people to live healthier lives in a healthier environment. There is TONS of good info on their website (EWG.org). Today we want to share their findings on sunscreen. This Sunscreen 101 article helps you find the right sunscreen for you and your children (Yes, they are different!) and how to properly use the sunscreen.

Filed Under: Prevention

Retirement

July 9, 2026 By Insurance Experts

You don’t have to put off retirement due to health insurance costs. There are many affordable options for health insurance after corporate group insurance. Currently private health insurance plans consist of the Affordable Care Act Plans (most costly), Short Term Plans that offer coverage from 30 days to 12 months (soon to be 36 months) and Indemnity Permanent Plans with zero or low deductibles that provide unlimited hospitalization benefits. The advantage of private health insurance is that you can customize the plans to fit your needs and budget. Contact me with questions!

Filed Under: Affordable Care Act, Health Insurance, Medicare

Beach & Water Safety Tips

July 2, 2026 By Insurance Experts

We want to share this important information from the US Lifesaving Assn about Beach and Water safety. Many of us are heading off for vacations! Be safe!

Filed Under: Safety

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News

  • The Eyes Have It!
  • What is Hospital Observation and Are You Covered?
  • Sunscreen
  • Retirement

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