If you have 401k and your modified AGI is within the limit, then you can still contribute to traditional IRA for the year of 2009 if the contribution is made by April 15, 2010 AND you indicate (on the contribution form or web page) the contribution is for 2009.
if it is not that severe, try artificial tears. if it is severe, try 5% sodium chloride eye drops or ointment. all these are OTC. if you need prescription, ask for restasis.