Another reason why I hate insurance

It's no wonder there's such a clamor for a single-payer system of health care in America. With crap like this happening all over the place, you wonder WHO the health care system is REALLY designed to benefit, after all. When American business (and individuals) are crumbling under the pressure to pay ever-increasing premiums and insurers continue to reduce payouts, the fact that insurers and health plans are negotiating to avoid criminal prosecution is simply unforgivable.

When will we learn that more insurance simply begets more fraud and waste? If the insurance and health care business doesn't clean up its own act, it will be done TO them because of their own misbehavior.

Check out this story and more: CoxHealth to pay $60M to settle with Feds

Springfield, MO-based health system CoxHealth has agreed to pay $60 million to resolve a myriad of charges related to its financial relationships with referring physicians and its Medicare billing practices. According to an announcement by the U.S. Department of Justice, which conducted an investigation, CoxHealth violated the False Claims Act, anti-kickback statute and Stark rules on self-referral between 1996 and 2005.

Here's the link to the full story and more.

I'm not a fan of insurance, but...

... it has it's place.

Being a heath care provider, I used to have this love-hate relationship with insurance. You know, it's one of those damned if you do and damned if you don't things. It seems you can't afford to be without insurance. But, you can't afford to buy it, either. Small business owners and those in life transitions seem disproportionately affected. So in many cases, folks just don't buy it.

Well, there's a time and place for everything. Health insurance is NOT about health. In fact, I think it often creates more health problems than it either prevents or corrects. Insurance really is designed to protect you from catastrophic and unforeseen events that could cause you irreparable financial harm if you're not prepared for it. In fact, most bankruptcies in America are caused by either a health problem or a legal problem.

Health insurance costs could be reduced dramatically if folks would simply understand that their health is THEIR responsibility. Lose weight, exercise, eat better, drink water, work on your spiritual life, do more with your family, find effective ways of reducing (or managing) the stress in your life and, of course, find a good wellness chiropractor.

Here's the point. A good friend of mine had a massive heart attack at his gym on July 4th. Fortunately, the General Manager of the LA Fitness where he worked out, knew CPR and how to use the emergency defibrillator. My friend is still alive, but in a coma in the local hospital. There's not yet a prognosis. Regardless of what the prognosis turns out to be, the medical costs are going to be astronomical. Because my friend was between jobs (and had been for some time) he was without insurance. If he recovers physically, he might never do so financially.

So, find a way to get even a ca strophic hospitalization policy to protect yourself and your family financially should something unexpected happen to you. While not a fan of insurance, I do understand that it protects you from extremes. You can keep the costs to a minimum if you just cover the extremes. But by all means, cover at least that.

Stay healthy. Say "I love you" to those you love. And NEVER take life for granted.

Self-medicating

I thought about titling this article “Aleve” because that was the reason I’m writing today. But, I decided the problem of people self-medicating themselves with what they think are harmless over-the-counter drugs is much more dangerous than one specific dangerous drug.

My friend Jerry, whom I’ve known now for 40 years, called me recently to explain why he had been out of touch for a while. It seems that Jerry had been in the hospital recovering from an apparent reaction to the OTC painkiller Aleve. He did what the average American does and picked up a bottle of the painkiller at his local drugstore. After taking recommended doses for about a week, Jerry began to have a pretty serious nosebleed. When the bleeding didn’t stop, he headed to the Emergency Room. The bleeding stopped ONLY after he lost FOUR units of blood, a significant loss under any circumstance. A little more and he could have died. It’s taken several weeks, but he’s just now starting to regain strength.

Over the last few years, I’ve steered away from talking about symptoms and the risks associated with medicating away symptoms. Mine is a wellness practice and most of my clients come to me because they either want to get and stay healthy or they want to opt out of the “old way” of waiting until something’s broke to try to fix it or mask its symptoms with drugs. But, when you see a friend critically injured or hear of someone killed by what is purported to be a harmless drug, it’s hard NOT to speak out.

Just recently, the U.S. Food & Drug Administration (FDA) has recommended stronger warnings on both prescription and over-the-counter painkillers like acetaminophen and ibuprofen, more commonly referred to as NSAIDs or non-steroidal anti-inflammatory drugs. BUT, how many people EVER read the label warnings of over-the-counter drugs? My guess is a precious few.

Obviously, we live in a drug culture in America. We seek relief and comfort from a bottle. Maybe, just maybe, it’s time to consider a new way of thinking. One of the things I try to get folks to do is to realize that they were designed to be healthy and that design did not include a shortage of drugs or a surplus of defective or unnecessary parts. Once we realize that health is part of the design and that symptoms are our friend and are NOT to be ignored, we can start to approach health matters a little more rationally. Another, thing that we work on in my office is helping people become responsible for their own health and not relying so much on a doctor or drug manufacturer to make important health decisions for them.

If I could convince you to change one thing as a result of reading this article, it would be to learn more about your own body, how it works and how specific drugs are supposed to work and the risks (side effects) they carry. When you work to build health instead of simply avoiding disease, your health and your life will take on a whole new meaning.

If you know someone that routinely takes NSAIDs (or any pain medication) please forward this article to them. Encourage them to explore other options for dealing with their symptoms.

Corporate Wellness: Bottom Line Strategies for Effective Healthcare Reform

It is clear to virtually every American (especially those of us in business) that healthcare costs are skyrocketing out of control. No one doubts that either the market will solve the problem OR the government will impose one on us. Managed care has failed from either a cost containment or quality of care perspective. Companies have reached the point where the cost of providing health insurance is almost as burdensome as government regulation. It’s time for some new thinking on healthcare and its impact on business and vice versa. “Corporate wellness” as an operational perspective instead of merely window dressing is one way to deal effectively with rising healthcare costs.

The Insurance Problem

The first step in correcting the problem is to realize that an employee’s health is their own responsibility. Expecting employers to provide unlimited health insurance coverage is simply unrealistic and unreasonable. It’s time for employers (on a broad scale) to reconsider their role in providing health insurance coverage. Instead of providing complete coverage for all employees through group plans, companies should begin to shift the burden of health coverage to those covered.

Here’s the approach. Provide catastrophic health insurance as a group benefit to all employees with a large enough deductible (say $5000 per employee) to make the cost affordable for the company. Then, allow employees to buy their own health insurance policies (based on their own needs) and pay for them through payroll deduction with pre-tax earnings. There are numerous insurance companies that sell individual plans on this basis. Everybody wins. Employees can tailor their coverage to their own needs and circumstances using their own doctors. Companies win by stopping the endless cycle of rising costs and ever-changing plans. And when individuals become responsible for the cost of their own insurance, they become more attentive to their own health. Besides, if an employee is interested in working for you ONLY because your company offers great insurance benefits aren’t they telling you they’re going to cost you more money in the future?

Develop a “Wellness Culture”

Our current “sickness culture” perpetuates the healthcare crisis and hastens the demise of market-based solutions. By sickness culture, I mean our focus on health problems instead of on having a healthy workplace and performance culture.

So, what would a “wellness culture” look like? First, instead of paid sick days, employees might be rewarded at year’s end with an attendance bonus. Employees would be reimbursed for successful completion of smoking cessation and weight-loss programs. Companies would invest in corporate memberships at local health clubs so every employee can participate. Employees would be offered in-house wellness programs on a variety of issues ranging from ergonomics to stress management. Finally, companies would commit to hiring and retaining healthy employees. Simply put, healthy employees cost less and are more productive than unhealthy ones. Applicants should be screened for health habits and practices that limit their productivity and increase the likelihood of future expense. While this may seem harsh, it rewards those employees whose personal lifestyle and habits ensure the best Return on Investment by the company committing to hire, train and pay them.

Be open to “alternative and complementary” approaches

Studies published in major medical journals reveal that individuals who use “alternative and complementary” health modalities (including chiropractic, acupuncture, yoga and massage) are generally healthier, better educated, take fewer medications and miss fewer days from work than the average American. Since these individuals look for ways to stay healthy without drugs and surgery, they end up being a net benefit in terms of attendance and productivity. Old prejudices in this area should be discarded in order for companies to improve productivity and increase profitability

Conclusion

Healthcare costs are increasing at a staggering pace. Managed care is an abysmal failure. Companies are buckling under the pressure of providing health coverage to their employees. American competitiveness in the market is sagging. These times call for extraordinary solutions. It’s time for American companies to consider some out-of-the-box solutions to the healthcare crisis. Corporate wellness is an approach that is timely, achievable and reasonable given the alternatives. All options should be considered while we still have a chance.

Tamiflu

Beware of relying on drugs as a means of achieving or maintaining health. Check out this story about the Food and Drug Administration and popular flu drugs Tamiflu and Relenza. Can you afford to trust your child's health to the pharmaceutical industry?

FDA Advisers Back New Warning on Tamiflu

WASHINGTON — The most widely used flu drug in the world should carry a stronger warning label about psychiatric problems seen in a handful of patients, government advisers said Tuesday.

A panel of experts to the Food and Drug Administration recommended drug maker Roche change the warning label for Tamiflu, which has been used by 48 million patients since its launch in 1999.

The drug's label already mentions reports of delirium and self-injury, primarily among children in Japan, but some FDA's experts suggested the language should mention several patients died as a result of these abnormal behaviors. The panel was discussing specifics of the language late Tuesday.

For the full story CLICK HERE.

Chronic Fatigue

I can’t begin to tell you how many people I’ve seen over the years who’ve been diagnosed with “Chronic Fatigue Syndrome”. Well, I just don’t buy it. For one thing, how do you come up with a diagnosis for Chronic Fatigue Syndrome? In my opinion, it’s one of those “junk drawer” diagnoses that is often used when nothing specific can be identified. What causes it? How should it be treated?

The problem with diagnoses like Chronic Fatigue Syndrome, fibromyalgia, ADD/ADHD, etc. is that because they’re little more than a collection of symptoms whose cause cannot be specifically identified they end up with sometimes bizarre treatment regimes, like antidepressants, muscle relaxers, steroids, etc. Once on the treatment path, it’s almost impossible to get off the treadmill.

In my practice, I’ve observed that when someone begins to look at the bigger picture of their lives and living more intuitively, their symptoms tend to fade away. As they take more control over the things they can control (their thoughts and behavior) and quit worrying about the things over which they have no control, their reliance on either over-the-counter or prescription drugs goes away.

If you’re always tired and have little energy to do the things you want and must do, I strongly encourage you to try to get off the symptom chasing treadmill. Find a holistic wellness practitioner and develop a plan for living a free and healthy life. Freedom is found outside the pill bottle.

Conventional Wisdom – Is It Really Wisdom or Just Lazy Thinking?

Many of us rely on conventional wisdom to help guide us through routine decision-making processes. But, does conventional wisdom really serve us that well? Or does it actually keep us from making the best decisions possible? While common knowledge can be helpful in certain situations, it keeps us from making progress in almost every aspect of our lives, as well as that of our society and the worldwide community.

By now, we’re all too familiar with the example of Christopher Columbus’ discovery of the Western World. Conventional wisdom of the day was that the Earth was flat and if you sailed far enough you would simply fall off the end of the Earth. Having little more than intuition and faith, Columbus defied conventional wisdom and set out on his voyage of discovery. Of course, the rest is history.

One of the areas most affected by conventional wisdom is in the area of health and wellness. For centuries, Western cultures have favored scientific advances in the fight against death and disease. Obviously, advances have been made that improved the plight of mankind. Discovery of the causes of many diseases have led to improvements in sanitation and drinking water supplies. Unfortunately, these advances have received little credit for the virtual elimination of such diseases as polio and tuberculosis (in developed countries) while mass vaccination programs have received almost all of the credit. Conventional wisdom says that vaccination prevents disease. In depth analysis might point to many differing perspectives.

Another bit of conventional wisdom is that animal protein is unhealthy for humans. It’s supposed to increase cholesterol and cause cardiovascular disease. Just this week, though, the Journal of the American Medical Association (JAMA) released a study that counters that conventional wisdom. For years, Dr. Robert Atkins, developer of the high protein, low carbohydrate weight-loss program named after him was called a quack, huckster and charlatan by mainstream medicine. The JAMA study showed that the high-protein Atkins diet was more effective at helping participants lose weight than other mainstream programs, like The Zone diet and the Ornish diet. Even more amazing is that with the unconventional high-protein, high-fat Atkins diet participants not only lowered blood pressure, they reduced LDL, or bad, cholesterol and increased HDL, or good, cholesterol. Maybe Dr. Atkins’ critics will now let him rest in peace.

Conventional wisdom also tells us “germs cause disease”. Fortunately, the theory that germs alone cause disease is about as silly a notion as the one that Columbus had to overcome. Unfortunately, the Germ Theory (misapplied) has done much to set up Western civilization for potentially huge public health problems in the near future. Let’s take a closer look. If germs really caused disease then why doesn’t everyone in a household get a cold or the flu at the same time? Or, why do just some people at work get the flu and not everyone? In its haste to eliminate disease by killing germs, modern Medicine has abandoned the real precepts of the Germ Theory that tell us it’s the strength of the germ (or pathogen), the amount of exposure and the strength (or weakness) of the host (you and me) that determines if one will actually develop a disease or condition when exposed. The main reason that some get sick and some don’t is the strength of our immune system and it’s ability to isolate and kill those germs. Many believe that conventional wisdom regarding the war against disease is that it has caused potential problems with over-vaccinating children and abuse of antibiotics among a host of other problems. It has also created a situation that actually invites a pandemic catastrophe.
There are many sets of conventional wisdom that bear scrutiny, including global warming, mandatory vaccination programs and the net benefit of mandatory public education. Of course, the list is limited only by your own observation.

So, how can we keep from becoming a victim of conventional wisdom as both individuals and as a society? First, realize that “common knowledge” is just that. It’s common, accepted by all without little thought or analysis, the lowest common denominator and far from the final answer. “Conventional wisdom” is more consensus than wisdom. It stifles thought and fosters ignorance among the masses. Second, force yourself to ask “Is this true or does it just seem true because so many people accept it?” Finally, let principles guide you rather than the mere assertions of others.

Here are some principles that will never let you down.

• The human body is a self-healing, self-regulating organism. It doesn’t as much need help as it just needs less interference.
• If drugs worked, rich people wouldn’t die.
• Individual freedom is superior to group identification.
• Morality, self-restraint and personal responsibility are more effective than regulation.
• If something can be imagined, it can be done.
• The human mind contains all the knowledge of the Universe. Don’t allow your thinking to be limited by common knowledge or conventional wisdom.
• The Earth has been here a long time. It can correct anything Mankind can do to it.
• The wisdom of Nature is greater than the sum of all Mankind’s knowledge now and forever.
• Mother Nature always wins in the long run. Work with it not on it or against it.

Just know that principles win out over knowledge every time. Live your life in accord with solid principles. Don’t be a victim of common knowledge or conventional wisdom. Think for yourself. Be all that God designed you to be.

Backpacks and Posture Problems: As the Twig is Bent So Grows the Tree

As we approach the coming school year, we head off to the stores and malls to buy school supplies. Of course, most kids have outgrown most of the clothes they finished the last school year in just a couple of months ago. And then, there’s the usual array of binders, pencils, paper and of course the trusty backpack.

If your kids are anything like mine, it almost seems like they need a pack mule to carry all their new supplies to school. And, it seems like the book bags and backpacks get bigger every year. At the same time we’ve tried to get a backpack that’s big enough to carry everything, we could be setting our kids up for future posture problems and potentially scoliosis and other health problems.

I don’t know about your kids, but mine seem to grow like weeds. The minute you turn your back, they seem to grow an inch before you can turn back around. While it’s not quite that dramatic, they really do grow rapidly. Then, somewhere around middle school most kids have what’s called a growth spurt where they actually grow even faster. Girls usually have their growth spurt earlier than boys. Hmmm. Maybe there’s a link between earlier growth spurts and a higher incidence of scoliosis in girls than in boys.

Here’s the problem. At a time when kids (especially girls) are growing rapidly, they’re also saddled with as much as 20-30 pounds of books, papers, etc. in their book bags. And as we all know, most of those bags are typically carried over one shoulder or the other. It’s like strapping a bowling ball to the top of a little pine sapling. Surely, it will bend under the weight. Your kid’s spine works the same way. Now, imagine that little pine tree growing in that bent over position. As it grows, it will grow in that same position. So, too, will your child grow to develop posture problems by carrying a heavy load of books on a regular basis while their bones are still softer and growing.

How can you tell if your kid is developing posture problems? Actually, there are a couple of ways. First, simply look at them from the back and then from the side. As you observe them from the back, see if their head tilts from one side to the other or if one shoulder is higher than the other. The slightest difference can indicate a problem that could get even worse over time if not corrected. Have them bend over at the knees. If you can see that one side of their back is higher than the other, there may be what’s called a functional scoliosis. Finally, have them turn so their side is facing you. As you look at them you should be able to almost draw a straight line from their ear, through their shoulder, hip, knee and ankle. If you can’t see that straight line, there’s a potential problem that should be addressed before it gets worse.

So, just what kind of problems might posture problems in kids lead to? First, bad posture can lead to structural problems that can lead to chronic pain and soreness in the neck, middle and lower back. Second, it will lead to uneven stresses on the spine and potential degenerative back problems as they get older. Finally, stress on the spine can also cause stress on the spinal cord and central nervous system. When that happens, there’s always the potential for a variety of chronic health problems.

So, what can be done to prevent and correct these potentially harmful effects on your kids as a result of heavy backpacks and book bags? Obviously, I think every child should be checked for postural problems at an early age. Many times these problems can be prevented with attention, exercise and good habits. Family chiropractors that see kids can recognize the problem and, in many cases, slow down or reverse the problem if dealt with early. While the kids might not like it, buy a book bag with rollers and an extendable handle or one that will distribute the weight load evenly. And finally, pressure should be put on school systems to reduce both the size and quantity of books a child should be required to carry home from school. These days, most families have a computer at home. School systems should make books available on DC (compact disk) to lighten the physical load of carrying books.

Your kids’ posture and health are worth the extra attention. Don’t let them grow into health problems that could have been prevented with a little attention.

Weak Muscles - Weak Joints

As a chiropractor, I see people from all walks of life for a variety of reasons. Some are wellness clients that get checked on a routine basis to build and maintain an active and vibrant lifestyle. These clients generally bring their whole family and do so to get off (or stay off) the medication merry-go-round. Others come to avoid a problem that had been corrected that they just don’t want to have to deal with again. Still others come in to correct a problem for which painkillers just don’t cover up any more.It’s that last group I want to talk about today. Sometimes the problem might be in their arm or shoulder, sometimes the knee, and sometimes in different parts of the spine or hips. While my focus as a chiropractor is on the nerves and spinal cord by way of the spine, problems with the spine can cause other problems in other parts of the body.

Let’s talk about those joints, though. Our bodies were designed for movement. And body movement involves three components; nerves, muscles and bones. Muscles move bones after getting signals from the nervous system. Joints, or hinges, make movement more efficient and more effective. I think everyone would agree that the moving parts in any machine (especially the human machine) are generally the first parts to wear out.

The tendency is to blame joint problems on aging. Well, that’s just too easy a copout. If it were as easy as that, every senior citizen would have bad joints. Granted, many seasoned citizens do have joint problems, not all. But aging alone is not really the problem. Besides, there’s nothing we can do about getting older. BUT, there is plenty that can be done about HOW we get older.

Since “structure affects function”, we should look at the other aspects of body movement and joint stress. One component of joint stress is body imbalance. We’ll spend more time on this component in the near future. But, just know that if you look in the mirror and notice that one shoulder or one hip is higher than the other or your head tilts in one direction, you are predisposed to structural problems that will affect you down the road.

The power to move is generated from the muscles. The stronger and more flexible your muscles, the less stress there is on your joints. If your muscles are weak, the joint bears all of your body weight and all the stress of movement. Oh yeah, and folks who don’t maintain a good level of muscle tone are usually somewhat overweight, putting even more stress on their joints.

So, what’s the answer? Well, there are a couple depending on your perspective. If you’re one of those passive individuals who beleive that “if it ain’t broke don’t fix it”, then just wait until your knees, elbows, wrist, back or hip wears out and hope that drugs or surgery will “fix it”. If that’s you, I wish you good luck. You’ll need it. On the other hand, if you want to make sure your joints last longer and work better, there are a few things you can do.

First, make sure you drink plenty of water on a regular basis. This helps keep the joints from drying out. Second, start a regular conditioning program. If you’re not exercising already, start slowly. But start! And don’t just focus on just those parts you want to look firmer. Firm it ALL up! That will help you lose unwanted fat quicker and strengthen all your joints. Walking is great and can be done almost anywhere. Just use your whole body when you do. When you get stronger, start doing some resistance exercises to get even stronger.

Finally, if you notice any posture distortions or other problems, find a good wellness chiropractor. Remember, structure affects function. And, how your body functions affects every aspect of your life. Life is motion. Get moving!