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Back to the top Lasik Lasix Laser Eye lasix eye Surgery General Information | Canadian Lasik lasix eye Lasix Laser Eye Surgery Review UK & Ireland Lasik Laser Eye Surgery Review - Part One | UK & Ireland Laser Eye Surgery Review - Part Two Lasik Lasix Laser Eye Surgery Personal Diary/Journal- Part One | Laser Eye Surgery Diary/Journal - lasix eye Part Two American Lasik Lasix Laser Eye Surgery Review- Part One | American Laser Eye Surgery Review - Part Two | lasix eye Australian Lasik Laser Eye Surgery Clinic Review | Forum lasix eye HOME | LOGIN | REGISTER AUTHOR LASIX EYE lasix eye SURGERY lisaS Member since: 3/29/2004 lasix eye From: Neverland Topics: lasix eye 15 Replies: 122 Posted on 1/29/2005 Hi all,Anyone on these boards ever have Lasix eye surgery or have you ever known anyone who has? If you do, i'd really like to hear what you or that person lasix eye thought about it lasix eye and if there were any side lasix eye effects.Thanks,LisaS lasix eye kymers Member since: 4/14/2004 lasix eye From: USA Topics: 71 Replies: 583 Replied on 1/29/2005 Hey Lisa,My ex had lasix eye the surgery in Canada some years ago (7 I think). Because his eye problem was so extreme they actually were not able to do the laser but rather did the cutting surgery.From the moment he was finished, he could see better. His eyes felt alittle sandy lasix eye for a day or so but they give you drops, lots of drops, for discomfort which he didn't have too much lasix eye of. And a steroid drop for healing.It was so fast!! I think from beginning to end it was about lasix eye an hour.If I was to do it, I would go to Canada. It is about lasix eye half the price and they are very good at it. They have lasix eye been doing it longer. He lasix eye went to the lasix eye Lasiks (sp?) clinic in Vancouver lasix eye Canada. kymers Member lasix eye since: 4/14/2004 From: USA Topics: 71 Replies: 583 Replied on 1/29/2005 lasix eye Oh yeah...forgot the most important part....His eyesight, lasix eye last time I talked to him was just short of 20/20 vision. Very much lasix eye better then lasix eye they predicted it would be. He was very happy with the decision to have it done.Me....I missed the security of knowing I could lasix eye get up and walk around naked knowing he really couldn't see me clearly....lol BeckyB Member since: 3/29/2004 From: USA Topics: 4 Replies: 39 Replied on 1/29/2005 Kymers, you made me laugh out loud on your last post...you funny girl you!LisaS,I've had a number of friends/coworkers have it done and they would do it again and again. They almost unanimously said that being able to wake up in the morning and not having a pair of glasses lasix eye be the first thing they grabbed was so lasix eye worth it. And they all had basically the healing aches and pains that Kymers' ex had. I cannot comment on whether Canada or the good ol USofA would be better lasix eye as all my friends had theirs done in the States, so I have nothing to compare it to. It certainly sounds like Canada would be worth investigating if it is less expensive and more importantly, if they are in fact ahead of the game, I'd lasix eye be checking it out.BeckyB Destiny Member lasix eye since: 3/29/2004 From: us Topics: 18 Replies: 108 Replied on 1/29/2005 lasix eye Hey, I had Radial Keratotomy when I lasix eye was 20. back then lasix eye I wouldn't be able to see the type on my screen clearly w/o glasses but I have not worn glasses since - 20/20 for 20 years lol. Because they made radial inscisions radiating out from the pupil, I will say that night driving is a problem - but it also was before because I coudl not see well...anyway, where lasix eye each incision lasix eye was I get a star burst effect and driving is a little more of a strain. If I had to do it again - I would. lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on lasix eye 1/29/2005 Hi everyone,Thank lasix eye you so much for responding!!...I'm having the surgery done on lasix eye Friday 4th and although i've done all the research and seen all the statistics i'm still a bit nervous. lasix eye I've been wearing glasses since i was 11 and contacts since i was 18 and i'm so tired of sticking lasix eye a lasix eye contact lens in my eye i thought i'd brave the surgery. Glad to hear about actual experiences and i was told that my eyes would be sensitive to night lights for a while but that i was to take lasix eye a Vitamin C tablet for the next few months to strengthen lasix eye the eye.I'm getting the surgery done lasix eye in the UK and I know the doctor ......he's really good...it's just...well...i'm being a teeny tiny bit panicky at the moment over having surgery ...lololAs lasix eye soon as my eyes recover and i can stare at a screen i'll let you all know how it comes out.Thanks again,LisaS. MelVirgo1 Member since: 12/21/2004 From: USA Topics: 17 Replies: lasix eye 255 Replied lasix eye on 1/29/2005 Hi LisaS!!!!!!!!!!Who blames you for being a little nervous - it does relate to your eyes after all. Everything will go swimmingly. I look forward to allowing you a moment to brag about your terrific vision. I am lasix eye so near sighted and short sighted, lol, lasix eye I lasix eye am so happy for ya. Well, I really shouldn't be that hard on myself - I can see far at night - I can see the moon, LOL. Here's lasix eye a link with lasix eye some info that might answer some lasix eye questions for ya: http://www.fda.gov/cdrh/lasik/Good luck on the fourth.xoxoMel Kelley Member since: 4/1/2004 From: US Topics: 59 Replies: 423 Replied on 1/29/2005 LOLlisa, i have been asking the same question, but in different circles. lasix eye i plastered all my lasix eye shamanic friends and energy worker friends with questions about LASIK, to see if they lasix eye had noticed a change lasix eye in their inner vision after. it's funny, i guess, but my concerns about it are how this more or less lasix eye elective lasix eye surgery affects energetic vision. i have a strong sense that for me, it may improve it. i, however, am not hip to smelling my eye burn. lasix eye lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on 1/30/2005 lasix eye Hiya everyone,ohhhh......i forgot about the smell of burning eye....yuck!...they did warn me about that......don't quite know how i'm lasix eye dealing with that....uggghhh...i'll pay attention Kelley to see if it does help open my inner vision more. Thing is, i saw on a post on the Scorp board about lasix eye some planets causing them to look inward alot and i think it's happening with me lasix eye as well. It would be interesting to see if the surgery helps.I'll check out that website Melster...thanks for posting it:)..I'm just so bloody tired of having poor vision, seems i'm short sighted and narrow minded...lmao...just kidding:P...i'm keeping my fingers and toes crossed lasix eye on this surgery..That's so cool that you had that surgery Destiny. You know, i already have a problem driving in the night, the headlights give me sort of a stabbing pain lasix eye in my eyes but i'll lasix eye have to deal with it somehow. I'm hoping for lasix eye that 20/20 vision:DBeckB, that's great that ppl who have had the surgery recommend it. I don't know many ppl who have done it first hand so i'm really glad for your feedback.lol Kymers...i somehow don't think i want to see myself naked at the moment..lolol...too much ice lasix eye cream. lasix eye It's so odd that i love cold food in the winter, hot food makes me colder somehow. I'm glad the b/f was happy with the result and even happier to see you!!:)Thanks again everyone,I'll be posting on my results next week (hopefully) so fingers crossed:)LisaS kymers Member since: 4/14/2004 From: USA Topics: 71 Replies: 583 Replied on 1/31/2005 For the smell...Try putting a dab of your favorite perfume or colone just under each lasix eye nostril.I think coroners have a cream they use. Maybe you can find lasix eye out what it is they use.K giraffe Member since: 3/30/2004 From: canada Topics: 39 Replies: 334 Replied on 1/31/2005 lasix eye Barts'sister! I am sooooo excited for you! As one who has been wearing glasses/contacts most of my life lasix eye as well, I have secretly desired lasix eye to have this done. All lasix eye good thoughts and lasix eye prayers to lasix eye you. Please let us know how things 'look' after the 4th. xoxogiraffe~ lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on 1/31/2005 Hiya Purple one,:)Thanks so much. I've wanted to do lasix eye the surgery for a few years lasix eye as well (been a four-eyes for most of my life) but seems like the time has finally come!!...I lasix eye am scared but i'm gonna go bravely into this. I'll report back as soon as I can stare lasix eye at the screen:)Kymers, thanks hun, i don't think we're lasix eye allowed to wear any prefume or anything lasix eye in the operating room, my doctor told me the funniest story on that...he said the operating machine was a male and perfume drove him wild..lol. But i think it actually affects the machines so i think i'll just hold my breath...i doubt i'll remember to breathe anyway ...lololThanks again everyone, hopefully i'll be reading your posts without glasses or contact soon.LisaS MelVirgo1 Member since: 12/21/2004 From: USA Topics: 17 Replies: 255 Replied on 2/3/2005 Eye Carumba!Good luck tomorrow LisaS!!!!!!!!!xoxoMel giraffe Member lasix eye since: lasix eye 3/30/2004 From: canada Topics: 39 Replies: 334 lasix eye Replied on 2/5/2005 Roses lasix eye are red,Violets are blue,Hope lasix eye it didn't smell too stinky, and that you can see good, too! thinking of you~xoxog~ lisaS Member lasix eye since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on 2/6/2005 lasix eye HI everyone,Surgery lasix eye was a success....i can see clearly and my vision lasix eye is improving daily. The surgery was not bad at all but more details to lasix eye follow as my parents insist i'm not to read, look at telly or use the computer at all for a few days:(...even thought the Doctor lasix eye said it was ok...sigh...ah well...better that they care:)...I'll give a full report on it soon...Thanks again everyone,LisaS. MelVirgo1 Member since: 12/21/2004 lasix eye From: USA Topics: 17 Replies: 255 Replied on 2/6/2005 That's just teriffic!!!!!!Quick...how many fingers am I holding up?? ....Correct!Can you hear me now? uh, ...sorry...wrong sense, lol.Be lasix eye well my friend.lots of luv,Mel giraffe Member since: 3/30/2004 From: canada Topics: 39 Replies: 334 Replied on 2/7/2005 I am so glad! When lasix eye you are feeling up to it, please tell us all about your experience. I'd love to hear it. take care~xoxogiraffe~ lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on 2/11/2005 lasix eye lol Mel....i lasix eye can see the thumbs lasix eye up u are giving me:D.... and Giraffe...i loved lasix eye the poem, thank you:D...Thanks guys for your interest...i'm feeling prety good now so i'll give a report on the surgery.There are lasix eye rules to follow...no make up, perfume, hairspray from the day lasix eye before surgery and wash your hair the day before surgery as well. On the day of surgery eat as normal and make sure to get someone to drive you to and from the operation. At the operating theatre they make u change into an operating gown lasix eye and lasix eye cap lasix eye and lasix eye shoes, make u wash your face with an antibacterial wash lasix eye and place lasix eye 3 sets of drops in your eyes (antibacterial, anti inflamitory and lasix eye something else). Also they do this eye wash thing which feels like showering the eyes.Then into the lasix eye operating room which is freezing cold. You'll have to lie on this operating bed and there is this HUGE machine lasix eye what you are gonna go lasix eye under. but first, they put more drops to numb the eyes. Then they cover one eye with gauze and tape it down. THen the eyelashes of the open eye is taped back (both top and bottom) and a sort of circular clamp is very gently inserted into the eye socket around the eyeball. Now at this point u lasix eye feel lasix eye nothing. I found my vision slightly obscured which helped me not lasix eye panic. The only discomfort really in them they place the clamp securely in place in the eyeball...it feels lasix eye like a slight pressure in the inner corner of the eye..around the nose.Then the surgeon will make 2 small incisions, you'll lasix eye see the scalpel coming at you but u won't feel a thing. Then there is this sort of circular suction device placed on the eye which lasix eye feels like pressure being applied to the eye and things go black for a few seconds, but your lasix eye vision comes back after that. Then it's under lasix eye the machine u go. Now the machine is very close up to your face and u feel like u are in an enclosed space, which made me uncomfortable cause i'm claustraphobic. I just clenched lasix eye my fists tightly at this point. Then there lasix eye is a red light that u are asked to stare at and u'll hear when the laser starts working on the eye. The smell actually was not noticeable to me. You'll have to start at the brightest part of the red light for a few seconds, then pause, then again stare at it. And that's it for lasix eye that eye. They'll take out the clamp, and the tape and at this point I didn't really see clearly at all. My doctor put in a lens to make sure the flap healed correctly. Then they'll repeat the process with the other eye.Just after, my seeing was a bit fuzzy. They make u lie down in a room with your lasix eye eye closed for a while. They u get these wrap around really dark shades and lasix eye off to lasix eye home u lasix eye go. There is a follow up of drops u have to put and u have to sleep on your back with the shades on for 3 nights. And rubbing the eyes for 2 weeks is a definite no-no. The following morning i went back to get my eyes checked. They took out the lens and i went home lasix eye and was told to rest the eyes alot and do normal activities to my comfort lasix eye level...no straining. I could see lasix eye most things clearly lasix eye that first morning and the sight gets better as the dyas go by.So it's been a lasix eye week and I CAN SEE!!!!:D.. My doctor told me yesterday that my vision is a little better than 20/20:D...and i'm so lasix eye thrilled. I still have drops to put into my lasix eye eyes and take a vitamin C tablet every day to lasix eye strenghten the eyes. And i stayed away from work for a week( just wanted and excuse to really cause i hate it there...work lasix eye actually made me break out in hives recently)...and i'm just walking around watching stuff :)...Honestly...it is great and i'm glad i did it:)Now i have other things about me that i want to fix and i'm going for it:)...If anyone wants to know more about my experience i'd be happy to go into more details..Thanks again everyone for responding...LisaS. cirrus9 Member since: 4/24/2004 From: lasix eye USA Topics: 8 Replies: lasix eye 316 Replied on 2/11/2005 Lisa, my response is a bit late. I'm delighted to lasix eye hear that your experience was a good one. I had this surgery lasix eye about five years ago, and the results were, and still lasix eye are, like a miracle to me. I had worn glasses, and had very poor vision, lasix eye since I was eight years old. The minute they finished the lasix eye surgery and I opened my eyes, the miracle began. The two keys to success with this surgery are your attitude (no lasix eye fear) lasix eye and finding a really good doctor. The rest is a piece of cake, eh?After the surgery, the doctor asked me, "Well, that wasn't bad at all was it?" My response lasix eye was, "It's certainly much easier than going lasix eye to the gynocologist!" (Must have been the Valium speaking!)I hope you enjoy "seeing" everything lasix eye for the lasix eye first lasix eye time now that your vision is better than perfect! Congratulations! c9 lasix eye Kelley Member since: 4/1/2004 From: US Topics: 59 Replies: 423 Replied on 2/11/2005 wow! i'm excited! i've been lasix eye making calls about it...lol lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 Replied on 2/11/2005 Hiya Cirrus lasix eye and Kelley,Thanks Cirrus:D!!!...I definitely agree that it's like a miracle to see without glasses or lasix eye contacts!!...I've been wearing glasses since i was 11 so i lasix eye definitely appreciate not being tied to them anymore!!...(althought...someitmes lasix eye i do reach for them still...lol) And you are lasix eye right...a good doctor in lasix eye whom u have confidence helps..:)I concur on the surgery...it amazes me that i took the step and now i'm really happy for lasix eye it. Can u believe i have a little better than 20/20 vision?...my jaw hit the floor when he said that!!!He also had to ask me to stop reading the chart lasix eye cause i lasix eye was just reading ALL the letters i was seeing clearly for the first time unassisted in lasix eye years.:PKelley i'd definitely recommend checking this lasix eye surgery out!..and this is coming from a scardy cat who almost walked out of the prep room before surgery:P...lol..but the results are great:)...and i have lots i want to tell you about how it's affected me not just with the outer vision but the inner one as well cause uyour post was on my mind that first night after the surgery. lasix eye But another time:).LisaS cirrus9 lasix eye Member since: lasix eye 4/24/2004 From: USA Topics: lasix eye 8 Replies: 316 Replied on 2/11/2005 Lisa, lasix eye after five years, my vision is still 20/15 in both eyes. That's better than normal! Kelley, do check out lasix eye the surgery. It's absolutely painless lasix eye with very little discomfort afterwards, requires no general anesthesia, and takes about 20 minutes. Again, find a really good doctor, and then go for it knowing that afterwards you will see like a hawk.One thing to keep in mind is that if you're around 40, lasix eye when most people start dealing with farsightedness and need reading glasses, they have lasix eye options to deal with this during the surgery. These lasix eye options usually result in less than perfect vision, but no need for reading glasses. I did lasix eye not choose these options. I lasix eye wanted to see like a hawk without glasses so that I can lasix eye take it all lasix eye in when lasix eye I'm hiking, skiing, swimming, lasix eye driving, etc. But, lasix eye I do need reading glasses, and a magnifying mirror when I'm putting on any make-up. I had to get lasix eye used to doing this, and now have a pair of reading glasses in every room ($10 at the drug lasix eye store) for when I'm reading recipes in the lasix eye kitchen, or doing any activity where I need to see up close. In the past, my severe nearsightedness compensated lasix eye for this, and I didn't need reading glasses. But, most people need them lasix eye at some time after they turn 40, so it's not a big deal for me.But, they'll tell you all this if you lasix eye go in for an evaluation to see if you're a candidate. Check it out! It's a miracle of modern lasix eye medicine! c9 MelVirgo1 Member since: 12/21/2004 From: USA Topics: 17 Replies: 255 Replied on 2/11/2005 LisaS...........HI!So happy about your new vision. It sounds so cool!!Let this be just the beginning of great times that will flood lasix eye into your life.I'll be "seeing" you........xoxo Kelley Member since: 4/1/2004 From: US Topics: 59 Replies: 423 Replied on lasix eye 2/18/2005 lasix eye i'm going for my consultation wednesday...who's coming with me?will they tie me down and throw sharp objects at lasix eye my eyes in an effort to desensitize me?:\ lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: 122 lasix eye Replied on 2/26/2005 lasix eye Kelley, I'm only now back on the boards and just seeing this lasix eye message!!Omg!!...good for you!!....I guess the appointment is past now but how'd it go?? They just took readings right? I wish i'd seen this sooner cause if you wear contacts they'll tell you to stop for at least a month cause it lasix eye changes the curvature of the eye. Let me know what you think and if you're gonna ahve the surgery ok? I'll talk you thru everything that they did with me:)It's been more than 3 weeks now and i'm very happy with having done the surgery...life is so much different without being tied to a pair of glasses....my sister is even gonna have the surgery done in June of lasix eye this year:).With my eyesight lasix eye better, now i just have to change my life. I hate my #@%&*%$ job!!...It's even made me ill...have the flu right lasix eye now. I can't take it. I was supposed to hand in my 3 mth notice at the end of March but i'm gonna do it on Monday at the end of February. I figure one month won't make much of a difference to my bank book and finally throwing the bastards off my back will do wonders for my lasix eye health.Hiya Melster, i saw that you were talking about Chiron leaving your house of love. How's that going kiddo? lasix eye Hope things are wonderful lasix eye and lasix eye that huge present Chiron is leaving is full of the most wonderful love:) Lots of love to you,LisaS lasix eye MelVirgo1 Member since: 12/21/2004 From: USA Topics: 17 Replies: lasix eye 255 Replied on 2/26/2005 Hey LisaS!!How are you, my all lasix eye seeing, wide eyed, cute kid with the gorgeous lasix eye peepers?So, making a break from that hellish job? Good for you!!! What a brave and bold step. It will all work out great and you will be successful in your next endeavor, lasix eye no lasix eye doubt......Me? who the hell knows...I don't....one day I will connect the dots of my peculiar life. For now all I know is that you can't trust lasix eye dogs lasix eye to watch lasix eye your food. LOL.All my best to you LisaS. I am rootin' for ya!!!!!!!xoxoM Kelley Member since: 4/1/2004 From: US Topics: 59 Replies: 423 Replied on lasix eye 2/28/2005 lasix eye lisa--i go back for an in-depth consultation on the 15th of lasix eye march. she told me initially in my first meeting that the near-sightedness in my right is such that it may not be refracted well. the left one is better. but the corneal thickness is good in both so lasix eye that enhancements can be made if needed.so im excited. i dont have the initial lasix eye concerns lasix eye that i had about the energetic part of it. so many other things lasix eye have been shifting into higher planes energetically that i don't see that as a factor. im still not thrilled about eye-contact LOLbut man! i haven't been wearing my contacts much since lasix eye the holidays, cos they feel like sand in my eyes all the time now (and lasix eye have for years, really). but i lasix eye put them in to go swimming for a couple lasix eye hours every few days, and it just sucks. they feel awful. i dont lasix eye know how i put up with taht as long as i did, or WHY.{{you}} lasix eye MableM Member since: 6/17/2005 From: Australia Topics: 0 Replies: 1 lasix eye Replied on 6/17/2005 Hey everyone lasix eye mable here i havent posted before but i was wondering if anyone knew how old lasix eye you have to be before you can have lasix or laser eye surgery i need -3.5 prescription glasses and lasix eye im not sure if thats too short sighted or not i play alot of sport and i absolutely hate lasix eye wearing glasses. I live in Australia by the way so does anyone know about the surgery over here. Is -3.5 too strong a prescription and how much does it cost please help....... i really hate my short sightedness. lisaS Member since: 3/29/2004 From: Neverland Topics: 15 Replies: lasix eye 122 lasix eye Replied on 6/18/2005 lasix eye Hiya Mable,I'm not sure about the cost in Australia or what level of short sightedness one must have for lasix eye the surgery but from lasix eye what I remember being told I think that you have to be at lasix eye least 18 or at an age where you are not still in the stages of physically growing and that the eye strength must be at a point of being stable so that in a few years the shortsightedness doesn't recur and require further surgery. I also remember that my lasix eye doctors said that lasix eye when one reaches their 40's that it may still be necessary to get reading glasses.Best to check with your optometrist. Good luck,LisaS. lasix eye Powered by DUforum EXTRA: lasix eye Rxtra | Lasix Eye Surgery lasix eye Lasik Eye Sugery, Part 2 -The Procedure: Dayna goes under the laser. See the entire procedure while it is performed on Dayna Devon's lasix eye own eyes. lasix eye - - - - - - - - - - - - - - - - - - - lasix eye - lasix eye - - - - - - - - - - lasix eye - - - - - - - - - - - - - - - - - - - lasix eye - - - - - - - - - - - - - - - - lasix eye - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - lasix eye - - - - - - - - - - - - - lasix eye - - - - lasix eye - - lasix eye - - - - - - - - - - - - - - lasix eye - - - - - - Lasik Eye Surgery Part 1: Dayna Devon preps for the Lasik procedure. Lasik Eye Surgery lasix eye Part 3: Dayna Devon after the Lasik eye surgery is complete. health lasix eye & fitness | celebrities | movies | consumer | eye candy | what's cool home | news archives | local listings | extra this week | behind the scenes | contact us terms of use | privacy policy | © 2002 TTT West Coast Inc. HSA Insider lasix eye – Health Savings Accounts, High Deductible lasix eye Health Plans, and Industry News lasix eye disclaimer Enter your email lasix eye & subscribe to The HSA Insider Newsletter: lasix eye Ask a Q lasix eye and get an A LogIn lasix eye lasix eye lasix eye lasix eye AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA lasix eye MA MD ME MI MN MO MS MT NC ND lasix eye NE NH NJ NM lasix eye NV NY OH OK OR PA RI SC SD TN TX lasix eye UT VA VT WA WI WV WY display both Q & A | display questions only | search by keyword: • Employee • Employer • HSA Accounts • HSA Insurers • Individual Insurance • Medicare • Trade lasix eye Union • Other topic - otherQ: I own a Blue Saver major medical insurance lasix eye policy, they recently sent me a list of 6 firms which would accept investments for a HSA. Most of lasix eye them have set up fees, annual fees and restrictions on the lasix eye type of lasix eye investments possible. Do you have a list of similar firms which have less fees and lasix eye restrictions? Merril Lynch is charging me $100.00 per year to "direct" my investment in a GNMA account.... It took me 6 months to show them how to open a MSA account, lasix eye which I understand now will be labeled HSA, correct? It seems ridiculous that I had to pencil in lasix eye my deduction on the 1040 form this year. It is great to have another source for lasix eye this type of information, thanks.(From: Charles, Thibodaux, LA) Insider: Yes, we have a list, and it is on the front of our home page in a box that is titled "Who Can Open My Health Savings Account?" Then click on lasix eye the Find! button.That will lead you lasix eye to a page lasix eye titled "Build Your Own HSA," which will allow you to quickly search our database of companies offering HSA for the lasix eye company that offers the one that most closely lasix eye fits your desired account, based on the ranking you give our five key criteria. In your case, you will lasix eye want to rank "low or no fees" lasix eye as 1 or the highest ranking.You lasix eye can also lasix eye click on the link at the bottom of this lasix eye pop up window, titled "Build Your Own HSA." Your MSA will become an HSA if you want it to, and I would make lasix eye the switch because lasix eye of the advantages lasix eye an HSA has over an MSA. Build Your lasix eye Own HSA Get lasix eye HSA Quotes topic - otherQ: May I roll over my IRA and/or 401(k)to an lasix eye HSA?Insider: No, not tax-free. You could withdraw funds lasix eye from those accounts to deposit into the HSA, after you pay the taxes and penalties associated with your IRA and 401 (k). Build Your Own HSA Get HSA lasix eye Quotes topic - hsaQ: Where does one go lasix eye to find a trustee for an HSA account?Insider: On the home page of this site, lasix eye you will see a lasix eye box titled "Who Can Open My Health Savings Account?" Click Find! and you will go to the Build My Own HSA page.There you can rank from one through five the key criteria you want to have for your account -- like "low or no fees" and lasix eye you will be given the top three that fit your criteria. Build Your Own HSA Get HSA Quotes topic - medicareQ: May an individual under age 65 on lasix eye Social Security Disability for at least two years (hence eligible for Medicare) or on Medicaid/SSI make contributions to an HSA?Insider: If you are eligible for Medicare, but are NOT ON MEDICARE, you can lasix eye have an HSA. That is, if you choose not to be on Medicare lasix eye once eligible, you can continue to contribute to your HSA and continue lasix eye to make catch up contributions.If you are lasix eye 65 and choose to go on Medicare, lasix eye and you have an HSA, you can continue to spend out of the HSA for qualified medical expenses, and, lasix eye for lasix eye example, you lasix eye can use your HSA to pay for Medicare premiums and deductibles. Build Your Own HSA Get HSA Quotes topic - employerQ: I wanted to confirm an Insider answer to a previous question asked....the person was 55 lasix eye married to a 68 year old. The insider answered that some of the 68 yr. old's medical expenses could be lasix eye paid through the 55 yr.old's HSA. If this is so....what are the medical expenses of the 68 yr.old that will be granted payment?Insider: It is so. The lasix eye list of qualified medical expenses lasix eye are found in IRS Document 502, which can be found on the web at: http://www.irs.gov/pub/irs-pdf/p502.pdf or you can download HSA Road Rules from our home page or the Q lasix eye & A section of this site. Please see Tables D and lasix eye E in HSA Road Rules.The 55 year old can pay for the 68 year lasix eye old's Medicare premiums, deductibles and other out-of-pocket lasix eye medical expenses (vision, dental) from the 55 year old's HSA. If the spouse on lasix eye Medicare has a Medigap policy, the HSA cannot be used to pay for the Medigap premiums. Build Your Own HSA Get HSA Quotes topic - hsaQ: My company just set up an HSA. The way lasix eye the company is operating is that the company is crediting each participant with $1800 per year. lasix eye The amount is available at the beginning of the year so if a participant has an expense in June, for example, he or she can use the full $1800. Every month, since the beginning of the year, my company deducts $150 and "pays down" a portion of the employer contribution. My company is lasix eye concerned lasix eye about what happens when someone leaves. Let's say for lasix eye example, a participant has a significant medical lasix eye expense in June and uses the full $1800. If that participant later leaves in September, can the company collect the amount that has not been deducted from the employee's pay lasix eye ($600)? Is an HSA like a bank account?Insider: Once lasix eye the funds hit the employee's account, the employee owns the money. Therefore, deducting the funds from the account will be problematic. In fact, you cannot do it.Perhaps a better arrangement would be to deposit lasix eye the funds on a monthly basis into the account, so that if an lasix eye employee leaves, the money not deposited stays with the employer.If the whole point of this is to provide money to employees to meet their deductible if they have an expense early in the plan year, then perhaps a hospitalization rider is what lasix eye the employer should look into.Some insurers offer a lasix eye hospitalization rider (with a one time fee) that allows individuals or employees to be paid lasix eye the amount they would have deposited into the HSA over lasix eye the course of more than a lasix eye year, lasix eye if they are hospitalized in the initial months of having an HSA. lasix eye The way that one insurer's rider works lasix eye is that if in the third month of the HSA being in force the HSA policy holder is hospitalized for three days, the insurance company sends the insured a lasix eye check for the deductible lasix eye minus an assumed amount of three months deposit into the HSA account. (The rider does not assume the maximum allowable amount is lasix eye deposited each month.) So, in the case of this insurer, with lasix eye this type of rider, the HSA insured uses this lasix eye money paid to them to meet their deductible expenses, and their high deductible health insurance covers their other lasix eye hospitalization costs, once their deductible is met. Build Your Own HSA Get HSA Quotes topic - otherQ: Must a compliant HDHP plan lasix eye be a fully-insured plan? lasix eye Or can an employer self-insure (using stop-loss insurance) to create a compliant HDHP lasix eye plan design?(From: Greg) Insider: Come one, come all self insured plans. You can do as you suggest, and create a compliant high deductible health insurance plan design below your stop loss level. Build Your Own HSA Get HSA Quotes topic - lasix eye individualQ: we have more money in our hsa than the deductible and would like to move it to get a higher yield (currently .3%!!). can we do this and still have it available for medical use? and what would we put it in?Insider: Most banks offering lasix eye HSAs are now offering some sort of investment option, including no-load mutual funds.The interest rate is moving lasix eye up, some are in the 2 to 3 lasix eye percent range now. You can check the rates lasix eye in the Build Your Own HSA page, and you can pick "Highest Interest Rate" as the highest ranking to find the best lasix eye interest rate. There is a link to our Build Your Own HSA at the base of this pop up. Build Your lasix eye Own HSA Get HSA Quotes topic - hsaQ: 1) using the scenario of HSA funds not yet available in a HSA account prior to needing them, can an individual pay out of pocket for those expenses and then claim the deduction at the end of the year (at tax time) OR 2) is it lasix eye mandatory that the insured still contribute to the HSA and get reimbursed at a later date, once funds have accumulated enough to cover the claim?3) If qualified medical expenses exceed the maximum contribution allowable under HSA guidelines, can the insured still claim those additional expenses as tax deductible at the end of the year at tax time?(From: kim, Lisle, Illinois) Insider: 1) & lasix eye 2) The deduction for your HSA is based on what you deposit into the account, not what you spend out of it. You can spend out of pocket lasix eye if you do not want to spend the money in the account. There is no obligation to spend the money from the account. It is NOT necessary to reimburse yourself if you want to leave lasix eye the money in the lasix eye account. Part of the reason for passing HSAs was to allow people to save funds for their retirement health care expenses.3) Presumably, if your expenses exceed your max. allowable deposit, your insurance will cover your costs. Build Your Own HSA Get HSA Quotes topic - hsaQ: I have currently a MSA with USSA. They do not lasix eye have HSA and are not intending to lasix eye transfer my MSA to a HSA. I have a high deductible plan with Blue Shield in CA. Blue Shield lasix eye does currently not have HSA. Are there any other banks who would roll over my MSA into a HSA for free or low fees?Thank you!(From: ChrBal) Insider: If you look on our home page, you will lasix eye see a box that says "Who Can lasix eye Open My Health Savings Account?" By clicking "Find" you will be sent to our "Build Your Own HSA" page where you lasix eye can quickly find the kind of HSA you want.(As opposed to looking through the list of 68 companies offering lasix eye HSAs that we had on the site previously. I ended this lasix eye list because most people's eyes glaze over with 68 choices.) So, what used to take hours -- looking for a Health Savings Account you want -- now takes minutes. Just rank your criteria using a different number for each option and you will be presented with list of three companies who most closely offer lasix eye the type of account you want, with the option to view more. At the bottom left hand side of this popup window there is a link to lasix eye the Build Your Own lasix eye HSA page. Build Your Own HSA Get HSA Quotes topic - employerQ: On the HSA...Is it correct that if an ee of a company has either his/her own lasix eye individ HSA qualified policy, or lasix eye is insured through a qualified group policy, that once he/she gives approval to his employer, his employer takes lasix eye the designated money out of the ees lasix eye paycheck prior to tax deductions? OK, then what does the employer do with the money? Is lasix eye the employer responsible for getting the $ into the trust account? is the employer responsible for making sure the ee has a qualified med plan? Thanks, CarynInsider: Well, if it is an employer provided health plan, then the employer could make arrangements with whoever is handling the account (it could be the insurer) for the employer contribution to be a payroll deduction (pre-tax through a 125 plan). The other way lasix eye of handling it would lasix eye be an after tax deduction, where the employee could get the money tax-free through an above the line deduction at tax filing lasix eye time. Most (if not almost all) of the employer provided plans are pre-tax and lasix eye the employer makes the deposit into the account. The lasix eye question of whether lasix eye an employer can offer an lasix eye employee who has non-employer provided insurance (that lasix eye is they purchase their own insurance in the individual insurance market) lasix eye is a different matter.The answer is that lasix eye if the employer makes lasix eye the same offer to all employees with individual HSA lasix eye Qualified Health Insurance, the lasix eye employer can make a pre-tax contribution lasix eye into their health savings account. Build Your Own HSA Get HSA Quotes topic - medicareQ: So good to be able to go to a source of expertise on this HSA subject! Question: A principal of a firm who is 65; wife is an employee under 65; has a BCBS of VT lasix eye high deductible $4500./2person policy lasix eye (both on wife's policy) and wife has HSA as well. Can the wife pay husband's lasix eye medical expenses or prescription costs by using the wife's HSA.(I realize lasix eye that after 65 one currently is not eligible for an HSA).Question 2: If you are over 65,enrolled for Medicare A&B and enrolled for Social Security and still working....BCBS must be considered primary, Medicare secondary...no HSA....there is lasix eye no help until one reaches the high deductible? Could one delay medicare (penalties?)until retirement, utilize the High Deductible med. ins. and then be eligible for lasix eye an HSA? Or does one just have to wait and see if and lasix eye when a new Medicare Health Savings Account becomes available? Somehow these eligibilty requirements seem to be penalizing the working 65 and + individuals. Many thanks for your help.Insider: Can the wife pay husband's medical expenses or prescription costs by using the wife's HSA? Answer: Yes. Additionally, when you reach 65 you cannot continue to contribute lasix eye to an under 65 HSA, lasix eye if you are on Medicare. If you lasix eye are Medicare eligible, but choose to not go on lasix eye Medicare, you can continue lasix eye to contribute to your HSA, and you lasix eye can continue to make catch up contributions after you are 65 or older, but only if you are not on Medicare. If you are getting Social Security benefits now, you are disqualified from continuing your HSA because Social lasix eye Security automatically enrolls you in Medicare.Provided the necessary changes in law are made, at some point down the road, lasix eye there will be Medicare Savings Account plans available to those 65 and older who are on Medicare. Build Your Own HSA Get HSA Quotes topic lasix eye - insurersQ: Currently health insurers will not offer lasix eye me a policy as an individual subscriber because of a chronic medical condition I have had since childhood (I'm 47 now). Is there any reason to believe that this situation would be different in the context of my participation in an HSA?Insider: Only if you are in a state high risk pool that has an HSA qualified health insurance plan. There are now 33 states with high risk pools. Build Your Own HSA Get HSA Quotes topic - hsaQ: Sub S corporations: Can Employer Contributions to partner HSA accounts be considered non taxable contributions lasix eye for both employer (tax deductible) and partner (non taxable event)?Insider: S Corp contributions to the owner's HSA would be considered lasix eye income, and the partner would then get the contribution tax-free through lasix eye an above the line deduction.Please see the IRS Guidance for lasix eye Partnership and S-Corp. lasix eye Contributions to Health lasix eye Savings Accounts, Notice 2005-8, which is posted in the lasix eye US Treasury section of this web site.This notice provides guidance on a partnership’s contributions to a partner’s Health Savings Account lasix eye (HSA) and an S corporation’s contributions to a 2 - percent lasix eye shareholder-employee’s HSA. Build Your Own HSA Get HSA Quotes topic - hsaQ: Do I have an HSA qualified health insurance plan: Anthem BCBC with a $1500 deductible; monthly $264.93Insider: If it is a policy just for you, the deductible amount is correct lasix eye for an HSA qualified health lasix eye plan. To find out what the other criteria are, and if your plan qualifies, pls go to questions 5 and 11 in the HSA Basics section of lasix eye this site. Build Your Own HSA Get lasix eye HSA Quotes topic - hsaQ: I am married and a family of 4. My insurance has a $deductible per person. Would lasix eye that qualify as a total of $2,000 deductible and lasix eye make me eligible for a HSA?Insider: No, it sounds like your health insurance plan does not qualify, but to be sure, you should read Question #5 in the HSA Basics section of this web lasix eye site, and look at the chart in Question 11. Build Your Own HSA Get HSA Quotes topic - hsaQ: Is lasix eye the provision for the additional $600 contribution for those over age lasix eye 55 limited by the deductible? For instance, if the insured's deductible is, say, $4800 for a family, and the parents in the family are both over 55, lasix eye can they contribute $6,000 lasix eye for 2005, or is the maximum contriubtion still $4800? My assumption was that this family could contribute $6,000 until I realized that there are insurance plans that provide deductibles higher than $5,250, so it occurred to me that perhaps it is THOSE insureds who would be allowed to contribute the extra $600 for each insured over age 55. Until I considered this situation, it seemed obvious that since lasix eye one could contribute the full amount of the deductible lasix eye to an HSA that the provision to allow those over 55 to lasix eye contribute $600 more lasix eye would mean they could exceed lasix eye the deductible amount. Please clarify.Insider: No, the catch up provision is lasix eye not limited by the deductible. It is limited only by your age, lasix eye and the year, since lasix eye will go up by $100 until the maximum catch up amount is reached, which is $1000 in 2009.The maximum allowable contribution (not counting the catch up provision) for lasix eye a family plan is limited $5,250 (for 2005) or to an amount not to exceed the deductible, if the deductible is lower than $5,250.So, if the parents had a lasix eye $5,250 deductible, since they are of age, they could deposit $6,450 in the account in 2005.But, with their $4,800 deductible, they are lasix eye limited to $6,000. Plus, they have to have two separate Health Savings Accounts if they are each going to make catch up contributions. Build Your Own HSA Get HSA Quotes topic - hsaQ: Can lasix eye I use my HSA funds to pay for my dependant's health care (say, braces for my son) if I am the only person covered by the HSA qualified health plan? I've heard both 'yes' and 'no'.Insider: The answer is yes, absolutely.If you would like a two page list of allowable expenses, and a one page list of non-allowable expense that can and cannot be paid out of your HSA, lasix eye please see Tables D lasix eye and E in HSA Road lasix eye Rules, which can be downloaded lasix eye for free from the homepage or the Q & A lasix eye section of this site. Build Your lasix eye Own HSA Get HSA Quotes topic - hsaQ: Can a group that currently has an HRA with Destiny Health offer an HSA along side of lasix eye the group health plan? The deductibles are $1000 lasix eye for a single and $2500 for a family. These deductibles are funded 60% lasix eye by the employer (through the HRA).Insider: Regardless of who offers the HRA, yes, you as an employer can offer both an HSA option and lasix eye any other type of health insurance plan you wish.You should review the lasix eye answers to questions 5 and 11 in the HSA Basics section of this site, as you will lasix eye need to know what is or is not an HSA qualified health plan.You should also download HSA Road lasix eye Rules and review it, as it will contain lasix eye answers to the questions your employees will ask. It also has a helpful section for employer HSA rules. You can find it on our homepage, or in the Q & A section of this site. Build lasix eye Your Own HSA Get HSA Quotes lasix eye topic - lasix eye hsaQ: If I set up an HSA on June 1st can I contribute the entire savings amount or can I only fund half (six lasix eye months)?Insider: You have to pro-rate your deposit by the number of months remaining in lasix eye the year, counting from the first full lasix eye month your high deductible insurance is in place. So you would take the maximum amount allowable amount of your deposit, divide it by 12 and then in the case of having your high deductible insurance in place by June 1 lasix eye (the rule is the first full month your HSA qualified high lasix eye deductible health plan is in effect) multipy by seven the monthly lasix eye pro-rated amount to find your maximum allowable deposit.You can make the deposits to the account in irregular amounts, or all at once, but you cannot exceed the pro-rated maximum amount. Build Your Own HSA Get HSA Quotes topic - employeeQ: I have a FSA: 1) do I have to stop funding it? 2) can lasix eye I use these funds to pay the HSA premium?Insider: The circumstances where you can have an HSA and lasix eye an FSA are limited. Please see the U.S. Treasury section of this web site, and specifically, Revenue Ruling 2004-45. Here is the key part of that guidance, found on lasix eye page 6: "Notice 2002-45, Part IV, states that if a n employer provides an HRA in conjunction with ano ther accident or health lasix eye plan and that other plan is provided pursuant to a salary reduction election under lasix eye a cafeteria plan, then all the facts and circumstances are considered in determining whether the salary reduction is attributable to the HRA. An accident or health plan funded pursuant to salary reduction is not an HRA and is subject to the rules under section 125. Under lasix eye section 223, an eligible individual cannot be covered by a health plan that is not an HDHP unless that health plan provides permitted insurance, permitted coverage or preventive care. A health FSA and an HRA are health plans and constitute other coverage under section 223(c)(1)(A)(ii). Consequently, an individual who is covered by an HDHP and a health FSA or HRA that pays or reimburses section 213(d) medical lasix eye expenses is generally not an eligible individual for the purpose of making contributions to an HSA." There are circumstances, which the ruling lays out, lasix eye that allow the combination of aspects of an FSA with an lasix eye HSA, lasix eye but the simple and general rule, is laid out lasix eye above. Build Your Own HSA Get HSA Quotes topic - hsaQ: Can I make different size contributions throughout the year?Insider: Yes, you can make different size contributions to your HSA, in irregular amounts, the entire amount on the first day of lasix eye the year, or in whatever amounts you wish, provided you do not exceed lasix eye the max. allowable deposit.Remember, lasix eye the lasix eye maximum lasix eye HSA deposit for a family cannot exceed the deductible, or in the case of a deductible higher than $5,250, the HSA deposit cannot exceed $5,250 in 2005.For single individuals, your maximum HSA deposit lasix eye can not exceed lasix eye your deductible, and in cases of a deductible higher than $2,650, your HSA deposit cannot lasix eye exceed $2,650 in lasix eye 2005.The chart in the answer to question 11 in the HSA Basics section of this site should help you.You must pro-rate your contribution in the first year of the HSA to the number of months that you have the HSA qualified insurance.If you had lasix eye a high deductible health insurance policy beginning in December, you can deposit 1/12 of your maximum allowable deposit.If you had a high deductible health insurance in force in September 1, you divide your maximum allowable deposit by twelve lasix eye and multiply that amount by months remaining in the year (four, in this case.) Build Your Own HSA Get HSA Quotes lasix eye topic lasix eye - hsaQ: How much is the limit to the contributions I make each year to an HSA?Insider: For family coverage in 2005, the maximum HSA deposit lasix eye cannot exceed the deductible, or in the case of a deductible higher than $5,250, the HSA deposit cannot exceed $5,250.For single individuals, your maximum HSA deposit can not exceed your deductible, and in cases of a deductible higher than $2,650, your HSA deposit cannot exceed $2,650 in 2005.The contribution rate will be indexed each year; therefore, presumably increasing the amount allowed to be deposited into your HSA.This information is found in chart form in the answer to question lasix eye 11, in the HSA Basics section of this site. Build Your Own lasix eye HSA Get HSA Quotes topic - individualQ: I have lasix eye just applied for an individual health insurance policy. lasix eye The deductable is $1,000. but the max out of pocket is $3,000. Could I still qualify for lasix eye an HSA?Insider: The quick answer to your question is that you may have a qualifying high deductible health plan (HDHP). Please see questions number 5 and 11 in the HSA Basics section of this website, as there are other factors to consider. Build Your Own HSA Get HSA Quotes lasix eye topic - lasix eye hsaQ: The Treasury Dept indicates that HSA limits are lasix eye indexed for inflation based on the CPI. In one of the Treasury's documents, though, it indicates that the indexing formula is "M-CPI." What does the "M" stand for in this equation?(From: Tom) Insider: The "M-CPI" lasix eye is the Medical CPI, which is a measure of Medical inflation in the U.S. If the lasix eye deductibles did not increase with medical inflation, then the ability of the high deductible insurance to provide the premiums savings that fund the health savings account would erode over time, and eventually, cease to exist.The HSA deductible amounts, contribution amounts and out-of-pocket limits are all tied to the national rate lasix eye of inflation and are subject to change each year, depending on the rate of inflation for the previous calendar year.This is why the Q & A section of this web site is lasix eye peppered with references to 2005. Build Your Own HSA Get HSA Quotes Pages: 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 lasix eye 16 17 18 lasix eye 19 20 21 22 23 24 25 lasix eye 26 27 To submit your question to an HSA Insider expert - click here. • home • about us • in the news • Q & A • HSA Account • contact us • news lasix eye archives • hsa stories • treasury lasix eye documents • insurers' list • subscription • hsa coalition • press releases • ask an expert • find insurer IMPORTANT LEGAL NOTE: DISCLAIMER - TERMS AND CONDITIONS FOR REPRODUCTION. © 2004-2005 HSA Insider Corporation |