Health Insurance Choose Independence— Not In Dependence


by Dr. Daniel Thomas, DO, MS Y


our health insurance company does not care about you or your


health, and they care even less about your doctor. Their entire business model is built on the premise that you pay them a large monthly premium and they do everything in their power not to pay benefi ts. Their profi t margin is determined by how little they pay out for the services you paid them to provide. 16


When insurance companies do


pay, it is only after you pay a huge deductible. They then pay for the “standard of care.” But what does that mean? Standard of care means getting to spend a whopping eight minutes of face-to-face time with your doctor after you’ve spent one to two hours in the waiting room. Standard of care means having your doctor merely treat the effects of disease instead of combating the root causes of disease. And standard of care means getting to take prescription drugs that don’t cure anything, only mask the symptoms, and may actually hurt you. (Prescription drugs—taken as directed—kill over 100,000 people each and every year.)


The Fallacy of


It is important to understand that the “normal” state of humans is not being sick, not taking countless drugs, and not visiting the doctor’s offi ce on a frequent basis. The normal human condition is to be lean and fi t, energetic, and active for a lifetime. Sadly though, our healthcare system has failed us. Despite all the advertised “miracles” of modern medicine, we are a nation of overweight, cancer-prone, and chronically-ill people. People are supposed to function correctly for a lifetime. Americans have gotten so used to seeing unhealthy people, they think it’s normal. Consider the following: With


your car, insurance does not pay for routine maintenance and upkeep. You pay for that. Insurance is there to cover in the event of a catastrophe, such as a crash. Same thing with your house: Insurance does not pay for routine maintenance and upkeep. You pay for that. Insurance is there to cover in the event of a catastrophe, such as fi re or a major theft. Why should health insurance be any different? If your health is truly important to you, you should pay for routine maintenance and upkeep of your body. Insurance is there to cover in the event of a catastrophe, such as a condition requiring hospitalization. There is a better way, but it requires


a brand-new mindset. It requires you to value your health as you should and be willing to invest in it, whether your insurance pays a dime or not. After all, it is your body and you are the one that has to live in it, not your insurance company! Tragically, most people are too busy living their life to stop and imagine the regrets they might have when they are about to die. For many, by the time they realize that they should have taken their health more seriously, it’s too late. There is no greater gift than your health, and taking responsibility for it needs to start immediately.


Americans have gotten so used to seeing unhealthy people, they think it’s normal.


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