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Insurance Deductibles and How the Changes Will Affect Health Care Professionals

First of all, let me make clear that I"please make me sick insurance"? And I
do not really know what will happen. Iam very literal when I say illness
can however for sure tell you that, liketreatment insurance = "insurance to get
the stock market, the game is fixed!!sick." Who knows, but I bet that with
Yes, I mean just that. You will nevertheir high deductibles, patients will
win. Las Vegas is a pale comparison whenwake up and insist on wellness care -
it comes to ripping people off. Whatreal health care; which keeps them
people? You, the doctor, of course - ifhealthy; which will include food
it is not already clears to you that thesupplements, advice on exercise,
patients also get ripped off too! Nowmassage, chiropractic, physical therapy,
that you know that I know nothing aboutsimple health knowledge such as a round
the game of the insurance companies andof 4-5 ice cold and hot showers every
all the hula-hoop of the government, ofday keeping your blood circulation
why, how, and when to expect that yougoing, nutritional advice and more, much
the doctor and all the patientsmore.
participating in it will ever win.This above reasoning is also heavily
Here is however what seems to be on theunderlined by a decade-long trend into
horizon:the natural, alternative and holistic
People will start to think that becausewave of medicine, which cannot possibly
companies start choosing insurances withbe overlooked. It has grown into a
high annual deductibles, that such willmulti-billion dollar industry.
be a good thing. All insurance, in thePeople are waking up to real health care
first place, is supposed to take care ofthe same way as when they started
huge and completely unmanageableseeking freedom instead of slavery. And
circumstances.frankly, this should scare the average
So insurance was a good idea. But likedoctor who does not want to use this
most good ideas it has been pervertedtrend to provide such services to
such as the child labor union. It was ademanding patients. With the advent of
good idea when they actually did preventthe Internet, the public gets educated
child slavery but now it makes sure thatfaster than ever on new ways and the
we create a young civilization that hasDrug companies will have a hell of a
no value until their eighteenth year ortime keeping those vital and very
so because child labor protectionworkable alternatives from them!
forbids the young active energetic 14And you the doctor better be prepared to
year old from working and to participatedo the following:
and feel useful, despite the fact thatRealize that you first will have to
just about any successful captain ofmarket to those high deductible
industries will tell you how theyindividuals.
contributed to their families' survivalYour staff better be prepared to explain
at age 10 and younger!the need for minor services very well or
You get the point!those patients will walk out without
Back to insurances. If people pay theleaving you much money and probably
every day cost of health care and onlynever come back either. Realize that
insure the "out of reach items" - let'spreventive health care will take on a
say $4,000 and above per year, then costwhole new meaning to the patients, and
of insurance will go down by at leastthe doctors. If you the doctor do not
$4,000, if not more!! And yet the actualget on the bandwagon (no matter how much
everyday health care cost per personthe AMA or FDA etc. might protest) then
will in most cases be less that a $1,000the MLM guy and the casual quacks will
per month and rarely more than $3,500get the bulk of those $3,000 per year
for elders.from hundreds of millions of people.
So, in effect they would be savingSo, there are really no pitfalls, except
money! Indeed they would.not realizing and working hard and fast
Keep in mind that if the patient paysand early on acquiring the practice
the doctor, there is automatically anmanagement/marketing skills to get your
awful lot less paperwork to administershare.
by the doctors' office and by theNobody will pass a law that you HAVE to
insurance. This means savings for all -get your share!! Oh no!! The effort by
the doctor, the patient, the insurancethe AMA and the drug companies of
companies.putting everyone in jail who helps
Anyhow, quite a few people insomeone to get healthy or recover
government, insurance and privatewithout drugs will be put to rest
economists are grinding around thatbecause people are maintaining their
topic. Economical self-evidence will, Ihealth or getting well.
think, get it in the direction of highAs national negotiator Mr. Karass says:
deductibles a bit more every month."In life you do not get what you deserve
This will, despite of it being a good- you get only what you negotiate!"
thing, introduce opportunities andAnd then, there is this:
pitfalls for the individual"If the doctor of today does not become
practitioner. It is simply a change andthe nutritionist of tomorrow then the
must be dealt with accordingly. Therenutritionist of today will be the doctor
are no pitfalls except if the individualof tomorrow" - Rockefeller Institute of
practitioner does not start early enoughMedical Research, New York.
in realizing that it will change the wayOr as Hippocrates, the Father of
he can attract new patients. Keep inMedicine, and the person whose oath most
mind those new patients with highof you Doctors take, said:
deductibles will now be paying cash for"All medicine is food and all foods are
their services and will not be bound tomedicine."
go where their insurance tells them toThere are many ways on how to create an
go!! Hm!!advantage for you and the patients you
It is a dream come true for those whowill be seeing, and some ways will fit
know how to cater to those millions ofyou better than others but the most
free running patients. Patients mightimportant thing will be to look at many
of course also delay some regular smallways - kick them around, ask your
treatments, because they now have to payconsultants, or read books. Simply take
and thus you need to do a better job atinitiative to find out, don't be afraid
enlightening or educating the patients,of mistakes and due to this fear of
and tending to their health.mistakes sink into doing nothing until
Marketing and selling is part of theyou are absolutely sure and until it has
patient's education. Avoid becoming abeen proven to work for others. If you
marketing/management expert because youwait and wait and see and see then,
are a clinical expert and you perish.well, you most likely will once more cry
Because, last but not least, there will"victim!" in a few short years.
be a shift in what services people willFollowers are sheep, - sheep get killed.
demand. Oh yes - there will be anFollowers don't make money and have
emphasis on preventive care versuslittle personal satisfaction.
illness treatment.Sorry but that is how it will be - in my
You see, insurances have never reallyhumble opinion!
paid for staying healthy; they onlyA new opportunity is on the horizon. The
reimburse the patients for treatmentfirst few figuring out how to use it
needed if sick. Don't ask me for thewill be the winners and will eat up a
rationality and how insurances get awaybunch of the rest. But that is nothing
with it. After all, it not only costsnew in that, isn't it? Read "The Grocery
less to keep a person healthy thanStore Future of the Medical
getting him back to health, it is alsoPractitioner." Readers of this issue
more pleasant!will have no excuse if they end up in
Why did the public fall for this healththe wrong group, the ones which get
care insurance scam when it is really adevoured by the mavericks!



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