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chiropractic treatment plan

Read and learn more about chiropractic treatment plan. For more, visit the Chiropractic website ChiropracticHealthiness.com

Q: I started Chiropractic treatment a month ago and am now experiencing jaw pain..?
Has anyone else had this experience? I started treatment a little over a month ago, just general chiropractic check-ups, based on a referral by my primary care physician for stress and anxiety.

It HAS done wonders for that, along with a new dietary plan and lifestyle changes, but I’ve been experiencing on and off jaw pain, moderate to severe at times, when trying to close my jaw (as when chewing) or sometimes when I open it too wide. It kind of varies. I went back yesterday and she used some sort of tool that taps on the sides of my neck and jaw several times, and said something about a rotating atlas (or something like that), but it doesn’t seem to have helped much.

Does anyone have any suggestions?

A: One of the ways people manifest emotional stress in their bodies, along with upper back/shoulder pain is by clenching their jaw muscles or grinding their teeth, usually at night.

Talk to your chiropractic doctor about this possibility. There are some easy-to-do stretches for the big jaw muscles and you may need a referral for stress counseling as well. A dentist can tell if you’ve been grinding at night, or your spouse/S.O. might be able to confirm that he/she hears you do it.

It would be rare that work done to your neck would cause some kind of reaction in your jaw, but possible, and may just be part of “shaking out” a long-standing problem. If it persists, your chiropractic doctor will figure out what you’re reacting to and change it-just like your primary care doctor will change your medication if you have a reaction.

In the meantime, stop chewing gum or chewy foods like bagels.

Q: What about coverage? Will there be limited coverage with Government Healthcare Plan?
Prescription drugs, visits to my primary care physician, hospital visits if necessary, dental treatment and chiropractic care.

If I went with the government healthcare plan, will it cover all my healthcare needs, or just some of them listed above?

A: Nobody knows. The following is in the bill: “IN GENERAL- There is established a private-public advisory committee which shall be a panel of medical and other experts to be known as the Health Benefits Advisory Committee to recommend covered benefits and essential, enhanced, and premium plans.” There will also be a premium plus plan established in the future.

This committee will determine what the coverage, co-pay, premium and deductible that each plan will have, and will also be the deciding committee as to whether or not you “need” the treatment.

Q: Chiropractic patient retention?
I work as a chiropractor. A lot of my patients drop out of care before their treatment plan has been met, The patients that do follow through, still do not return for any monthly or 3 month follow up for wellness adjustments. What is the best way to communicate the “big idea” of chiropractic without being salesman like or pushy. I know my ROF needs help, so I think this would be a start. If anyone has ways to improve patient retention through ROF or any other means, please let me know. Thanks

A: The fact that you are asking the question [how to retain patients through any means] is telling the whole story. And this is why I believe so many chiropractors (like yourself) are treating patients dishonestly and unethically. The primary goal revolves around you, not the patient. Chiropractors love to appear like the “good guy”, while claiming that MD’s are in the back pocket of big pharma and they poison your body with harmful drugs. That’s all BS. MD’s have patients flooding their doors for one reason – their treatments are effective! They don’t need to be salespeople. In fact, patients often complain that they don’t like their MD, but they still go back. Your only goal is increase your patient visits. How do you not feel like a sleaze-ball quack?

Q: Massage Therapist GST Question – Invoicing, collecting GST and remitting to the CRA.?
I’m a Massage Therapist and I work at a clinic where I invoice my services hourly there. I’m not sure if I’m doing things right but the situation is like this. I treat many clients and the majority are MVA (Motor Vehicle Accident) clients. The clinic bills the insurance for MVA treatment and don’t collect GST on their treatment plan like massage and chiropractic treatment. I do get people who are not MVA and just want Massage Therapy (private clients). The clinic collects the fees and GST for private clients. I keep track of the private clients include the GST to collect for each one on my invoice and bill to the clinic.

Do I just remit the GST to the CRA that I collect from the private clients only?

Or does my total hourly on my invoice is subject to 5% GST to remit to the CRA?

A: First do you make over $30,000.00 a year.
Second do you .have a gst/hst number.
Why I ask is if you make under $30,000.00 and you are self-employed, you do not need a gst/hst number, you do not collect gst/hst and you do not claim or send in gst/hst.
If you make over $30,000.00 you are required to have a gst/hst number and collect gst/hst on income you earn.

Q: When is chiropractic care too expensive?
We visited a corrective chiropractor yesterday and he told my wife he recommends an 80-visit plan along with a whole slew of other treatments (stretches $45/visit, electric acupuncture $45/visit, etc.) My insurance requires a $30 copay and will cover 32 visits/year. Yet the grand total for the recommended plan with all visits and treatments is around $2400. I feel like I am getting scammed here. Thoughts anybody?

A: Hi Redsox. I am a retired Chiropractor. A lot of issues here.

First, “corrective chiropractor” is a marketing concept.

Next, the total cost of this treatment plan is ($45 + $45)(80) = $7200. That is ridiculous, unless this doctor practices in an extremely high-rent district (e.g. The Hamptons or Beverly Hills – note: I originally practiced in West Los Angeles, which is adjacent to Beverly Hills).

Next, recommending 80 visits (why not 79 or 81?) is hard to rationalize. When I was in practice, I often recommended longer term treatment plans for patients with significant, chronic spinal problems to allow maximum improvement and a reasonable period of time for the spine to stabilize and strengthen. However, rarely did this require more than 30 to 40 visits (a lot less time, treatment and money than straightening teeth costs!), and, most importantly, we (the patient and I) constantly re-evaluated the patient’s progress (or lack of, in some cases) at 8 to 10 visit intervals. I was NOT willing to continue treating a patient (and charging them for it) if they were not continuing to improve.

Finally, keeping in mind I have been retired for 15 years and inflation has increased the cost of health care (but a lot less for Chiropractors than for medical doctors), a 30 visit, 6 month treatment program, would cost a patient in my practice about $1200 – $1500. Again, using orthodontics for comparison, this was about 1/3 of the cost of braces at that time, in my community – thus, quite reasonable. Even adjusting for inflation, $2000 to $2500 for a long-term corrective treatment program would be quite reasonable.

Hopefully, I have given enough of my perspective on this issue to enable you to make an informed decision for yourself.

Best wishes and good luck.

Q: What do self-employed chiropractors make in salary? Also, what do chiropractic associates make on average?
Anyone have an idea? I know it varies and looked on salary.com. Does anyone know a chropractor or better yet is a chiropractor who can answer this question for real life experience? I am planning on getting tons of certifications such as accupuncture, neuromusculare treatments, and become a certified chiropractic orthopedist because I am afraid that the money is going to be low and I want to be the most qualified and help the most people I can.

A: There are way too many Chiropractors in the US and Canada. If you are great businessman and you choose the correct location you can still do very well, but it’s not easy. If you really want to be a chiropractor you should seriously think of working overseas, in Europe, South America or elsewhere. There you can pretty easily make $100K a year because of the demand. Be adventurous, and there will be thousands of people you can help and who need chiropractic badly!
If not, consider being a DO, but you have to have the academic chops to get into medical school (crazy these days what it takes – and these bookworms types usually make crappy doctors!)
All the best, don’t give up on being a Chiro!

Q: Would you like to have a Discount Health Plan for your entire household for $59.95/mo.?
No waiting period,
No pre-authorization for treatment,
No exclusions on lab procedures,
No paperwork,
Instant savings,
All specialist included,
All ongoing medical problems accepted,
Cosmetic surgery included,
Mental health sevices included,
Ancillary services included,
No age limit,You can change physicians whenever you want.
Membership Fee Quaranteed For Two Years.

$49.95/mo. for individual membership.
$59.95/mo. for your entire household.

Includes medical, dental, vision, prescription and chiropractic.

Save up to 50% or more.

For more details please respond to this question and I will gladly answer any unanswered questions you may have.

This plan is designed for people without any medical, dental, vision, prescription or chiropractic coverage and Remember, this is NOT INSURANCE. This is a Discount Medical Plan. You simply present your plastic card to your provider and pay up front their discounted fee.

A: Interested-just not looking to get scammed.

Q: Anyone have TMJ disorder?
What has been your experience, what symptoms did you have, and how have you treated it, etc?

I’m 22 years old and was recently diagnosed with a severe TMJ disorder. I never really noticed it until it got really bad because I thought the symptoms I’d been having were normal as I’ve been living with the disorder my whole life. But now it’s going from bad to worse and want to do something about it! I’m starting on a treatment plan that will include wearing soft splints, then an orthotic, then maybe eventually some sort of surgery. It will be combined with chiropractic care to help with associated upper back (rhomboid) pain.

Any advice or stories would be greatly appreciated.

A: a nightguard will help. ask your dentist for the best explanation for it. I am a dental assistant, and this will help. You might be able to avoid surgery

Q: K. Just read for the 10th time, Obama’s plan for America. When he continues to say things about medicare and?
social security and other entitlement programs-what does he mean? I did it the right way. Got married, had kids, was a stay at home mom and we sacrificed for me to do so, went to college, became a psych. SW and worked for 6 yrs on the Adm Unit of a psych ward when a patient whacked me in the back several time mis-aligning 4 of the 7 vert. I had. I was advised by 3 Drs to sign up for disability-some were medical (we’ll fuse it together) and chiropractic-we can fix this but with the muscles and ligaments involved it will take a very long time. 7 yrs.(I did not sign up for disability) Then I got breast cancer and thank everyone there is a program that pays for everything. But, I have to stay on the program and SSI in case it returns. So what do I do,, I am 56, the world is going to heck and my husband wants me to go to work. If I do I lose the medical coverage and no med.coverage at a job will cover a pre-existing condition so I’d have to quit and do treatment, again. At the same time my husband became an over the road trucker. After 6 yrs another trucker side-swiped him and left the scene. Fast forward to today. He is on disability because no Dr will sign a DOT med. release. He has had 4 surgeries on his shoulder and 1 knee replacement for now. I guess my question is if I donate $1 from my $200 a month I now receive and if every other SSI or SSDI recipient does the same, when will the 700 million dollar give away be paid off?? Thanks Be to God I sold my ‘new’ home in 1994 and bought one with cash. No mortgage. But, I do have a lien for my student loans-I’ve already asked Pres Elect Obama for amnesty so I can receive my stimulus package. Yup, they took that too. So, in what way is this presidency going to help us in this situation. Personally, I’m already feeling a little pressure where I sit.

A: I don’t like how you said that you did everything the right way. There are many ways. Whether it is right or wrong is based on the person and what they believe in, not what they’re told. All i can say is..just try to make it through with what you have and be open to any and all opinions you may come across

Q: Can I sue someone in the military for an auto accident?
I was recently in an accident where the car in front of me pulled over to the shoulder of the street without signaling, and as I proceeded to drive in my lane past him (he pulled over, thus allowing me to continue on my way), he made a U-turn into the back side of my car. When I saw him coming toward me, I turned my wheel to the left, and when it was all over, I was in the opposite lane of traffic.

I have been seeking Chiropractic treatment for lower back pain, which my PIP insurance covers. And my insurance went ahead and paid the estimate for damages less my $500 deductible already. Now, his insurance has sent a letter to my attorney stating that they find me at fault. Of course I am going to fight that, because I do not feel that this accident was in any way caused by me. The U-turn he made was illegal, and the fact that he did not signal as he pulled off to the shoulder is illegal. And his insurance should reimburse my $500 deductible because I simply was not at fault.

I am planning on suing him for the pain and suffering of the injuries from this accident, I’ve been seeing a Chiropractor 3 times per week since it happened, and I’ve had to miss work to attend those appointments.

Now here is the part I’m not understanding: My attorney says that I cannot sue him because he is active military. Is this true? My attorney says that a court cannot hold a military person in default. How could this be?
I do have insurance, through State Farm. They paid the estimate(minus my deductible) up front and will then get reimbursement from his insurance company, which is USAA.

We exchanged all info at the scene. I will just have to call and ask my insurance then. I just found that to be so odd if it were true. Thanks!

A: The key word is ACTIVE. I don’t know it this is true or not, sorry, but ACTIVE military does provide a certain consideration. The reason is that they can’t always get to Court and they may have to go to another Country when the date was supposed to be set, so you can’t fault them for not being there. Now if it is true then find out if there is any way you can still sue him once his active duty ends. Personally I tend to believe the lawyer, you hired them to know the law.

Q: How long to settle and how much to expect from a lower back vertebrae injury auto accident in California?
Does anyone know how long or how much you can get from a lower back injury from an auto accident? My C5 Vertebrae was pushed 5mm out of whack and it’s already been 18 months since I hired a lawyer. Thanks.

P.S. I know it’s long but I have the full details below.

About 18 months ago my car was hit by a 17 year old and his girlfriend while I was driving on the 60 freeway in Diamond Bar CA. The kid was driving his Mom’s minivan which was insured by Progressive, and I have AAA with only basic PL/PD coverage and a $25k Under Insured Rider (I don’t know the kid’s Mom’s limits with Progressive).
What happened is that I was in the #1 fast lane, the kid and his GF were next to me in the #2 lane and a Big Rig was in the #3 lane, (we were all side by side). The Big Rig honked his air horn and may or may not of moved into the kid’s lane. The kid ended up overreacting and and drove into my lane. He hit me in the RF fender which caused me to hit the center K rail at 70 MPH, after that I bounced off the rail and T-boned his van. Afterwards we pulled off to the side of the road and a Police report was taken. The Big Rig never stopped and was never identified, I was found 0% at fault and the kid was found 100% at fault. When I inspected the Kid’s van there was no damage to it that indicated that the Big Rig hit him, although now he is claiming that it did and Progressive says that there are signs of damage/contact (I think they’re just trying to be shifty). To be honest I don’t know if the Kid got distracted and swerved into the Big Rig’s lane or if the Big Rig came into his lane but either way the Kid is solely responsible for hitting me.
After wards I was a little shaken up and a little sore but I seemed fine so two days after the accident I went on a fishing trip that I had previously planned. I had to leave early on the second day because my lower back started killing me and because I couldn’t sit on the boat without getting a shooting pain down my left leg. I ended up seeing my Family doctor about 5-6 days after the accident and he said that I was still young so just give it time and that nothing was wrong (I have a HMO and no tests were done). About a week went by and Progressive wasn’t doing anything they promised, no rental car, no repairs, no medical, no nothing (they did offer me $50 for my trouble though). I decided to talk to some friends and got a lawyer, started Physical therapy/Chiropractic treatment (which lasted for 24 sessions but never gave me any real relief), had X-Rays done, and finally had an MRI done which finally uncovered that my C5 (I think) vertebrae is 5mm out of whack causing my spinal cord to get pinched off which is giving me my lower back pain and a 30% loss of movement in my left leg.
What I’d like to know is what should I expect from this? I’m not out to screw anybody but Progressive hasn’t done anything but stall, they didn’t fix my car and they only want to give me about 15% of market value on it even when I’ve shown then 9 equal comparables. I was 29 years old at the time of the accident with no medical history and no pain before the accident. Now if I do any heavy lifting or any thing that irritates my back I end up hunched over for 2-3 days. I’ve had to completely modify my work habits (I’m self-employed and restore old cars), I take OTC pain pills so I can work without hurting much, and I can’t do many of the things I used to before the accident without either hurting or stressing out about possibly doing major permanent damage to my spinal cord. My medical bills are already at $7k and my attorney says that the future surgery to correct my vertebra will cost $49k but they won’t do it because the operation is only performed when the vertebra has moved 6mm or more so I’m right under the limit. Also the surgery outcome sucks since a 1/3 of people will get better, 1/3 will get worse, and 1/3 will stay the same.
After 18 months of waiting Progressive has finally come up offering $3k for the car and $3k for the Medical. What the heck is going on? Is my case not worth anything? What should I expect the cash outcome to be? How much longer will I probably have to wait to settle? Am I going to end up having to pay for a $49k future surgery or pay higher premiums for the rest of my life since I now have a pre-existing condition? I know the lawyer will get anywhere between 33-50% of the medical award and right now they’re asking for I believe around $130k. Any help would be greatly appreciated as this is the 1st and hopefully the last auto accident that I’ve ever been in. Thanks!

A: You have a lawyer. He should be able to answer all of your questions. By now, he should have a copy of the other driver’s Progressive insurance policy. Ask him to show it to you. Progressive put aside a certain sum of money for both your vehicle and your medicals. In fact, they did that right after they were aware of your condition. The money is sitting somewhere in an annuity or other interest bearing account.
Of course, they are going to low ball you.
You didn’t say what the damage to your vehicle was, what year, make or model. Maybe it is only worth about 3,000 or thereabouts. Your lawyer should have advised you what it is worth.
Your medicals are a different story. However, after an accident a lot of people do not ‘feel’ anything in the way of pain until days later. So that sounds right. and the insurance company knows it.
If you do not want any surgery, now or in the future, do not undergo, given the risks.
I’d like to see where the vertebra has to ‘move’ only a certain degree. Ask your lawyer where he got that information from.
Your lawyer can also accept a settlement of sorts, but with the agreement that you can re-open the matter, if necessary. I’m not from California and I am not a lawyer, but I’ve worked with lawyers on the east coast who took care of personal injury matters.
Sounds like your matter is worth a heck of a lot more than $130,000.00.
Of course you have to know where the ‘deep pockets “
are. What about your own insurance? Taken a good look at what type of coverage you have. Again, your lawyer has seen and has a copy of the other drivers Progressive policy. Ask him.

In fact, ask him all the questions you want. Make an appointment, go in his office with a pen and pad, have all of your questions ready, and fire away.
Fact is, he’ll probably be surprised as hell that you want to write thngs down.
But when you finally do settle, he’ll get his share. Ask questions. That’s what he’s there for.

(By the way, has he sued yet? And if not, its been 18 months. What is statute of limitations in CA?
You need to ask him. Soon.)

Q: Can ACUPUNCTURE help the following diseases/disorders?
Hi all! :) I have the following conditions:

- ADHD (mainly the attention deficit part)
- asthma
- acid reflux/GERD
- meralgia paresthetica

I’m a big believer in “alternative” treatments like chiropractic, acupuncture, acupressure, herbalism, reiki, etc. I’d love to try acupuncture because I’ve heard so many good things about it, but unfortunately I can’t afford it right now. :( I can barely afford my chiropractor and my regular HMO medical plan, but I won’t give those up!

At any rate, I suspect it could probably help ALL of my conditions at least somewhat, but I’m wondering if anyone here can tell me which of the conditions stand the best chance of being helped by acupuncture? Also — and this is a long shot — if anyone knows of an inexpensive but GOOD acupuncturist in the Silicon Valley/South Bay Area of California, please tell me who it is! :) Thanks!

P.S. For those who’ve no idea what meralgia paresthetica is, click here: http://www.emedicine.com/neuro/topic590.htm
To Dr. N. & other doctors — no disrespect intended, but taking medication for some disorders is often only a “band-aid”. It suppresses them, keeps them under control, but does NOT “cure” them.

All meds have side effects, & some meds also increase your risk of developing other disorders down the line. For example, I take generic Prilosec daily for my acid reflux (Zantac was too weak), but longterm use of proton-pump inhibitors like Prilosec correlate with increased risk of stomach cancer. Plus, it’s simply NOT NATURAL to force one’s stomach to not produce acid. It’s supposed to make acid, for crying out loud! :( I’m scared of what I’m doing to my body this way.

And what if I want to have a baby down the line? You’re not even supposed to take steriod-based asthma inhalers (like QVAR), of which I take 2-3 puffs daily. And I sure couldn’t take Prilosec or ADHD meds!

I’d much rather RESOLVE my disorders, not just “cover them up”. I need to at least TRY alternative options! :)

A: The beauty of acupuncture (particularly five element, or traditional acupuncture) is that they will treat YOU – the person, not your disease labels or symptoms, so that all of these conditions will get addressed.
There is also a great deal that you can do for yourself such as nutrition and herbs – get some good books – many can be found at libraries!

ADHD Alternatives: A Natural Approach to Treating Attention Deficit Hyperactivity Disorder by Aviva J. Romm
Holistic Herbal David Hoffman
Herbal Healing for Women Rosemary Gladstar
Whole Foods Nutrition Paul Pitchford
Womens Bodies Womens Wisdom by Christine Northrup
good luck!

Q: Would someone explain the deductible/OOP?
Why apply over the phone? 10 minute enrollment * Instant Approval * Underwriting Advice * ID Cards

Plan Benefit Summary OneDeductible PPO Elite

Monthly Premium 139.90

Deductible Benefit Summary
2,850

Office Copay No

Coinsurance / Maximum Out-of-Pocket 80% (OOP: $2,000)

Lifetime Maximum 25Mil

PPO Network HLK – www.healthlink.com
Don’t see your doctor or hospital in this network?
We have more than 80 PPO networks to choose from.
To customize this plan with a different PPO network call us at 866.425.3341

Maternity Coverage No Coverage

Outpatient Maximum

HSA Ready Yes

Plan Description The high deductible health plan with a single deductible for the whole family

Preventive Care / Wellness / Routine Physical Subject to the integrated deductible and plan coinsurance. Benefits for preventive medicine services are limited to a maximum calendar year benefit of $1,500 per covered person. The maximum will not apply to routine mammograms, routine pap tests, routine annual prostate specific antigen (PSA) tests, the annual exam for detection of prostate cancer, child screening tests and diagnostic follow up care for hearing loss, and child immunizations. Child immunizations are exempt from any deductible, copayment and/or coinsurance provisions. Child screening tests and diagnostic follow up for hearing loss are exempt from any deductible. If the Optional First Dollar Preventive Services Benefit is purchased (where available), the plan deductible and coinsurance will be waived for the first $500 of covered services performed by a participating provider for each covered person per calendar year after a 12-month benefit waiting period.

Doctor’s Office Visits Subject to the integrated deductible and coinsurance.

Outpatient Lab Tests & X-rays Subject to the integrated deductible and coinsurance.

Outpatient Surgical Subject to the integrated deductible and coinsurance.

Prescription Drugs Subject to the integrated deductible and coinsurance.

Inpatient Services / Hospitalization Subject to the integrated deductible and coinsurance.

Emergency Room Services Covered charges are subject to the integrated deductible and coinsurance.

Ambulance Services Professional ground or air transportation in an ambulance for a covered person who needs emergency treatment for a sickness or an injury to the nearest acute medical facility that can treat the sickness or injury. The ambulance service must meet all applicable state licensing requirements. Subject to the integrated deductible and plan coinsurance.

Rehabilitation Services Inpatient: subject to the integrated deductible and coinsurance. Benefits are limited to a maximum calendar year benefit of 90 days per covered person. Outpatient: subject to the integrated deductible and coinsurance. Benefits are limited to an outpatient physical medicine services maximum calendar year benefit of $3,000 per covered person. Outpatient physical medicine services (rehabilitation services) include benefits for chiropractic care.

Chiropractic Services Subject to the integrated deductible and coinsurance. Benefits are included in the outpatient physical medicine provision which has a combined calendar year maximum of $3,000 per covered person.

Mental Nervous / Substance Abuse Subject to the integrated deductible and 50% coinsurance for participating providers, 70% coinsurance for non-participating providers. $2,500 calendar year maximum.

Complications of Pregnancy Covered charges are covered the same as any other illness.

Calendar Year Maximum None.

Plan Exclusions Exclusions consist of the following, but are not limited to: illness or injury caused by war (whether declared or undeclared), commission of a felony, attempted suicide, influence of an illegal substance, or a hazardous activity for which compensation is received; routine hearing care, vision care, surgery to correct vision, routine foot care or foot orthotics, except for podiatric appliances for the prevention of complications associated with diabetes; cosmetic services; routine dental care unless the dental insurance option is chosen; diagnosis and treatment of infertility; maternity and routine nursery charges unless the maternity option is chosen; growth hormone stimulation to promote or delay growth; genetic testing, counseling and services; charges to treat sexual dysfunction or inadequacy or to restore or enhance sexual performance or desire; over-the-counter products; charges related to “quality of life” or “lifestyle” concerns including, but not limited to: smoking cessation, obesity, hair loss, or cognitive enhancement; charges incurred due to a pre-existing condition until you have been continuously insured for 12 months (unless the condition has been specifically excluded from coverage).

Pre-Existing Condition
A Sickness or an Injury and related complications:
1. For which medical advice, diagnosis, care or treatment was sought, received or recommended from a provider or Prescription Drugs were prescribed during the 12-month period immediately prior to the Covered Person’s Effective Date, regardless of whether the condition was diagnosed, misdiagnosed or not diagnosed; or
2. That produced symptoms during the 12-month period immediately prior to the Covered Person’s Effective Date which reasonably should have caused or would have caused an ordinarily prudent person to seek diagnosis or treatment.

A pregnancy that exists on the day before the Covered Person’s Effective Date will be considered a Pre-Existing Condition, subject to the Pre-Existing Condition definition. DEF: 500.002.TX

These rates are only valid for policies issued with effective dates from 5/1/2008 to 5/28/2008. Rates quoted for more than 30 days in advance of the effective date are subject to change and are not guaranteed. This proposal is not an insurance contract. Only the actual contract provisions will apply. Final rates may vary slightly due to the rounding process. The effective date on the quote does not guarantee coverage and is subject to change. The preferred rates are subject to final underwriting approval. Applicants may be subject to a pre-existing condition limitation on benefits. Refer to the certificate of insurance for terms and conditions.

For applicants under age 40, to qualify for preferred rates, cholesterol readings, if known, must be under 220 and blood pressure readings, if known, must be under 140/90 bp.

Preferred rates are not available to every customer. Generally, you must be in good health in order to receive the preferred rate. These rates are determined and subject to change based upon your application and medical history, our underwriting requirements, and any additional benefits you may select.

A: Well done by Christine R.
You also need to know this plan is a Qualified High Deductible Health Plan which makes it HSA compatible. That means you can open a Health Savings Account and deposit up to $2,850 each year. The deposit is written off your taxes just like an IRA. If you spend the money on qualified expenses the account remains tax free. If you don’t spend the money it remains in the account for future use. Qualified expenses include the decutible, dental, vision over the counter medications, etc.

This plan has a lifetime benefit of $25 million most other individual plans cap at $5 million

Michael,
The HAS’s actually cost me ( the broker) money. High deductible plans have lower premiums which = lower commission.
The HSA bank account provides no benefit to the broker/agent and saves the insured hundreds if not thousands over traditional plans. I suggest you learn about HAS plans if you are going to comment on them. I woul dbe glad to run you a quote you can use to compare to health link.

http://www.hsainsider.com/

Q: What is your opinion of this?
By Becky Akers Becky Akers – Mon Jul 20, 5:00 am ET
New York – I’m one of the nearly 50 million Americans who don’t have health insurance. I don’t want it, either.

But the bill the House of Representatives is debating would force me to buy it. How good can any product be if Congress compels me to purchase it?

Politicians and interest groups have been trying virtually all my life to foist medical insurance on me. But their proposals rest on mistaken and even insulting assumptions.

First, they presume that everyone wants, needs, and should have abundant medical attention. But I come from a long-lived and healthy family, I’ve been a vegetarian since childhood because I’ve never liked the way meat tastes, I don’t smoke, and I love to hike – the more miles the better.

I am disgustingly healthy, so much so that the only doctors I see – or try to: I’m near-sighted – are ophthalmologists. Could I be hit by a bus tomorrow when I head out for my daily walk? Possibly. But that’s such an unlikely disaster that I’ve chosen to spend my money on more personally pressing needs than medical insurance.

On the other hand, unlikely disasters do happen. So I might purchase catastrophic coverage if it were reasonably priced – just as I might visit doctors for lesser complaints if their care were reasonably priced.

But the government’s meddling is what helped mess-up the medical market to begin with.

The federal government perverts costs with its Medicare and Medicaid programs: Recipients of this largess have no incentive to save money since someone else pays their bills.

In fact, the incentives run the opposite way as patients demand more procedures and tests while magnifying problems I resolve out of my medicine cabinet into emergency-room runs. Doctors who get away with charging Medicare hundreds for diagnosing Grandpa’s indigestion would charge me the same.

Meanwhile, state governments shackle the insurance industry, mandating that policies cover everything from chiropractic care to hormone replacement. These launch premiums into the stratosphere. I’d much rather pick and choose the coverage I want at a price I’m willing to pay than buy the plan bureaucrats and special interests decree.

But the universal-healthcare crowd thinks it knows better than I do how to spend my money. Why can’t they leave me alone? I’m not forcing them to eat flaxseed and bike to meetings instead of hopping into their limousines. It’s time for them to return the favor.

Besides, if that bus does hit me tomorrow, I want – and will pay for – top-notch care. And that’s not what government-run medical systems dispense. Delays, expedient rather than proper treatment, and double standards of care depending on who you are and whom you know characterize universal-healthcare systems.

Which makes sense. We live in a world of finite resources and infinite desires, where medical care must be “rationed” like all other products and services.

Though we can’t choose whether goods are rationed, we can choose how they are. Either the politicians and bureaucrats who bring us long lines at DMVs, failing public schools, and the endless war in Iraq will decide who gets what kind of treatment, or the free market will.

Fans of universal healthcare deride the market: They say it’s cold and cruel because we each have to pay for the care we demand. But government healthcare can be far colder and crueler. Its care is inferior: Contrast an inferior, run-down veteran’s hospital with a general one. And it’s expensive. Dr. Jeffrey Anderson recently wrote in Investor’s Business Daily, “Since 1970 ­– even without the prescription drug benefit – Medicare’s costs have risen 34 percent more, per patient, than the combined costs of all health care in America apart from Medicare and Medicaid….”

Absent such meddling, the price of medical care would return to reasonable levels. It benefits no provider of any service to charge such astronomical fees that customers can’t afford to patronize him.

Then, too, in a market free of the state’s stranglehold, doctors and hospitals would compete with one another to lower prices and attract the ill or injured.

That doesn’t mean everyone could finally buy all the procedures they wanted or even needed – but that’s where private charity would come in. Humanitarians who send inner-city kids to summer camp and volunteer their time or money at soup kitchens would strive to ensure that needy Americans received medical care.

President Obama says, “We have no choice but to fix the healthcare system because right now it’s broken for too many Americans.” But the only fix we need is for government to get out of medicine.

Becky Akers is a freelance writer and historian.

A: first of all, everybody should get basic medical coverage. my dad couldnt afford it and, now that he had his appendix removed, cant afford the medical bills.he owes more on medical bills than he does on our trailor. i also come from a very healthy family (my dad’s side), crap happens. as for the government forcing us to buy medical insurance, i think they can all jump off a bridge as well. if every body was forced to buy medical insurance then the medical attention everybody recieves will plunge into certain fiery depths. that goes for surgeries AND regular checkups. you are completely correct in rebuking the government for this action and i back you up all the way. i also agree with the first guy that answered… try to shorten your questions in the future when you get angry…

Q: Should Dihydrogen Monoxide be Banned?
From DHMO.org

Dihydrogen Monoxide (DHMO) is a colorless and odorless chemical compound, also referred to by some as Dihydrogen Oxide, Hydrogen Hydroxide, Hydronium Hydroxide, or simply Hydric acid. Its basis is the highly reactive hydroxyl radical, a species shown to mutate DNA, denature proteins, disrupt cell membranes, and chemically alter critical neurotransmitters. The atomic components of DHMO are found in a number of caustic, explosive and poisonous compounds such as Sulfuric Acid, Nitroglycerine and Ethyl Alcohol.

Despite the known dangers of DHMO, it continues to be used daily by industry, government, and even in private homes across the U.S. and worldwide. Some of the well-known uses of Dihydrogen Monoxide are:

* as an industrial solvent and coolant,
* in nuclear power plants,
* by the U.S. Navy in the propulsion systems of some older vessels,
* by elite athletes to improve performance,
* in the production of Styrofoam,
* in biological and chemical weapons manufacture,
* in the development of genetically engineering crops and animals,
* as a spray-on fire suppressant and retardant,
* in so-called “family planning” or “reproductive health” clinics,
* as a major ingredient in many home-brewed bombs,
* as a byproduct of hydrocarbon combustion in furnaces and air conditioning compressor operation,
* in cult rituals,
* by the Church of Scientology on their members and their members’ families (although surprisingly, many members recently have contacted DHMO.org to vehemently deny such use),
* by both the KKK and the NAACP during rallies and marches,
* by members of Congress who are under investigation for financial corruption and inappropriate IM behavior,
* by the clientele at a number of bath houses in New York City and San Francisco,
* historically, in Hitler’s death camps in Nazi Germany, and in prisons in Turkey, Serbia, Croatia, Libya, Iraq and Iran,
* in World War II prison camps in Japan, and in prisons in China, for various forms of torture,
* during many recent religious and ethnic wars in the Middle East,
* by many terrorist organizations including al Quaeda,
* in community swimming pools to maintain chemical balance,
* in day care centers, purportedly for sanitary purposes,
* by software engineers, including those producing DICOM programmer APIs and other DICOM software tools,
* by popular computer science professors,
* by the semi-divine King Bhumibol of Thailand and his many devoted young working girls in Bangkok,
* by the British Chiropractic Association and the purveyors of the bogus treatments that the BCA promotes,
* in animal research laboratories, and
* in pesticide production and distribution.

A: Do you really think you’re going to fool a bunch of scientists who’ve probably seen this several times?

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