pharmaceutical expenses under the same terms. Members must be in good health with a lifestyle that helps sustain wellness, including good nutrition, exercise and abstinence from tobacco use and drug and alcohol abuse. The program also accepts approximately 7 percent of applicants on provisional terms when pre-existing conditions such as hypertension, obesity and diabetes can be improved through lifestyle changes. They pay an extra fee per month to cover the cost of a health coach; when they achieve their goals, they become full members paying regular rates. “The economics are staggering,” says Blue, who used
to pay $760 a month for insurance with a $12,400 deduct- ible and now pays a monthly share of $449 with a family unshared amount of $1,500. HCSMs are affordable because of restricted overhead budgets. Plus, they appeal to natu- ral-health conscious clients and can decline unsuitable appli- cants. “This concept of communal cost sharing works—Liber- ty’s share amounts decreased in 2013 and have not changed since,” comments Blue.
GreenSurance Told she was past medical hope, Kari Gray, of Kahului, Hawaii, sought to heal from cancer using natural medicine. “When thousands of dollars spent for natural protocols were denied reimbursement by my insurance company, I saw that the system needs to change,” Gray recalls. CAM therapies still deemed “unproven” by traditional
insurance companies gave Gray a second chance at life. Following remission, she began a 20-year search for alterna- tive medicine insurance. Finding none, in 2014, she created GreenSurance (
MyGreenSurance.com). Serving people that proactively care for their health and prefer natural medicine as primary care, GreenSurance developed an evidence-based and science-backed list of 40-plus covered CAM modalities, including thermog- raphy, energy therapy, biofeedback, essential oils and homeopathy. It also covers conventional medical and emergency care.
Enrollees of the member-owned organization are sup- plied third-party payer information for provider direct billing once the member’s out-of-pocket amount is met. They use any state-licensed provider and the program is often more affordable than traditional insurance. GreenSurance is currently investing resources to broaden consumer access to the tax advantages of a health spending account (HSA). H.R. 1752 would allow enrollees in any healthcare-sharing program to open an HSA. “Simply, we’re a co-op whose members empower us to create an exempt program that protects members from ACA penalties and traditional health insurance,” says Gray. “More, we’re a grassroots movement for change.” Krisel notes, “Doctors too, are livid about the current
status of America’s healthcare system. Be vocal about what’s important to you. The more voices heard in Washington, the more change we’ll see.”
Meredith Montgomery publishes Natural Awakenings of Gulf Coast Alabama/Mississippi (
HealthyLivingHealthyPlanet.com).
natural awakenings January 2017 19
MEDIUM • SHAMAN • PSYCHIC • TEACHER • AUTHOR
CONNECT WITH DIVINE
GUIDANCE!
START CONNECTING TODAY! Call Laurie to connect and activate energy to assist in more clarity, healing and making life more rewarding. Your Life Core is waiting!
Laurie Wondra 612.584.8673
YourLifeCore.com
We have support and information available to us at all times – why not access this, learn and listen to what’s available? As an intuitive Shaman, channeler, and energy healer, Laurie is an igniter of light. She can help you connect to the wisdom of your angels, guides, and loved ones.
Page 1 |
Page 2 |
Page 3 |
Page 4 |
Page 5 |
Page 6 |
Page 7 |
Page 8 |
Page 9 |
Page 10 |
Page 11 |
Page 12 |
Page 13 |
Page 14 |
Page 15 |
Page 16 |
Page 17 |
Page 18 |
Page 19 |
Page 20 |
Page 21 |
Page 22 |
Page 23 |
Page 24 |
Page 25 |
Page 26 |
Page 27 |
Page 28 |
Page 29 |
Page 30 |
Page 31 |
Page 32 |
Page 33 |
Page 34 |
Page 35 |
Page 36 |
Page 37 |
Page 38 |
Page 39 |
Page 40