Option #1 Cash Only Doctors…
and Profitable for Physicians Too
Some doctors do not accept insurance or Medicare. Some may have a hybrid practice where they’ll accept insurance but you have to do the legwork to claim reimbursement. You can find anything from primary care physicians, nurse practitioners, and even surgeons who fit this model.
By eliminating insurance and Medicare from their practice these doctors save on the overhead associated with red tape and pass the savings on to you.
According to Kent Holtorf, M.D., founder of The Holtorf Medical Group and a board examiner for the American Board of Anti-Aging Medicine, “We have found that, almost without exception, laboratories, doctors and other services will happily take 70% less if paid in cash at the time of service. Their costs are increased by that much if they have to bill insurance companies and incur other expenses – plus the risk of denial – in an effort to obtain payment which, if approved, generally arrives 30 to 300 days after initial billing… The cost savings are not in the care but rather the system.”
Cash-only doctors can also afford to spend more time with each patient and focus on their care without interference from bureaucrats or insurance executives, plus they’re free to work as doctors and not as intermediaries between patients and insurance companies.
Washington politicos could learn from this. Dr. Kevin C. Petersen, a general surgeon from Las Vegas and owner of NoInsuranceSurgery.com is able to charge only $5,000 for a hernia repair, which is a third of what other doctors and hospitals charge. Yet, his $2,000 gross profit on a hernia case is about four times more than what Medicare or an insurance company would pay him.
You can look for a cash-only doctor locally on the Internet or through Simple Care.
Option #2 Concierge Medicine: Membership Has Its
Privileges, Including Affordability
Concierge or direct primary care practices use a membership-based approach to comprehensive and preventive care on-demand. In 2005, only about 500 practices followed this structure, today there are more than 5,000.
You pay a monthly fee, sometimes as low as $49, and benefit from unrestricted access to your doctor and use the services as much or as little as you want. Many practices are open seven days a week, offer same-day or next-day appointments, and some memberships include house calls or
physicians on call by phone and email around the clock.
Because insurance doesn’t need to cover routine care or chronic illness (hypertension, diabetes, arthritis), patients often save money by combining a less comprehensive insurance plan with high deductible and lower premiums (catastrophic plan).
Doctors save on overhead by eliminating insurance claims, and it also allows them to provide quality service to only a few hundred patients a year – compared to the thousands of patients needed in a high-volume-insurance or Medicare-dependent practice.
This means your office visit isn’t rushed, you don’t waste time in the waiting room, and your appointment can last half an hour or longer directly with your doctor. More time equals better health for you. Seattle-based Qliance Medical Management reports that their patients had 65 percent fewer ER visits and 35 percent fewer hospitalizations compared to benchmark data for their region.
Dr. William Lee, named “Best Family Physician” in the Raleigh-Durham area in 2005, and member of MDVIP concierge network (one of the largest in the country) says of his experience: “I cannot tell you the difference it (health coaching) has made. When I have time to tell patients specifically what to do, and help them set up a plan, and follow their course through the year, I’ve had patients come back losing 20-30 pounds. I’ve been able to take some of them off a number of medications,” said Dr. Lee. “When you have time to deal with the issues, you do better.”
You can find a concierge doctor in your area on the Internet or check out MDVIP, which is one of the largest networks for concierge practices in the nation
Option #3 Boost Your Immune System: Stay Healthy, and Stay
Away from the Doctor’s Office
Some people choose not to get a flu shot and do just fine during the flu season. Have you ever wondered why?
More than likely it’s because they have a strong immune system, and they may be implementing some natural preventive therapies that can knock out the flu virus before it becomes a problem.
And you can benefit from these same therapies. Keep your immune system in top shape, and you’ll reduce your chances of needing a doctor’s care in the first place.
Before we go over some of the most effective natural flu fighters, don’t forget about the power of good hand hygiene – it’s probably the most effective way that you can naturally reduce your risk of getting the flu. Whenever someone near you coughs or sneezes, you’re exposed to respiratory droplets that may carry the flu. You can pick up the flu directly by breathing in these droplets.
Or, more often the droplets settle on a surface, you touch the surface, and then you touch your mouth or nose, and the flu enters your system through that route. So be careful out there. Wash your hands frequently with soap and warm water. It’s easy to do, and it’s free. Also take advantage of hand-sanitizing stations posted at the entrances to many stores, restaurants, office buildings, and other public places.
Immune System Improvements
Are a Must If You Don’t Want a Flu Shot
Now let’s take a look at what you can do to get your immune system in fighting form:
- Echinacea is a type of plant in the daisy family, has been shown to boost the immune system by activating your white blood cells. It also increases interferon production which can specifically help fight off viral infections, including the flu. One study showed that an Echinacea compound herbal tea was effective for the relief of flu symptoms if taken at the earliest onset. Evidence also shows that if you take Echinacea about a week before being exposed to the flu virus, you may prevent yourself from getting sick.
- Zinc is an essential mineral and has a role in multiple biochemical processes. It is found in a variety of foods, such as poultry, red meat, dairy products, whole grains, nuts, beans, and some types of seafood. Your body has no specialized storage system for zinc, so it needs it on a daily basis either from your diet or from a supplement. Medical evidence suggests that zinc lozenges can shorten the duration of flu symptoms, such as cough, sore throat, and nasal drainage. It may also have some preventive benefits against developing a respiratory viral infection, such as the flu, in the first place. The average recommended dose is 15-25 mg per day but not more since too much zinc can actually worsen your immunity.
- Garlic has been used to help prevent some illnesses for centuries. It has powerful antioxidant effects, which can help to stabilize your cells and your DNA. By doing so, it can actually improve your immunity. Aged garlic extract has been shown to be helpful in preventing the flu and reducing the recovery period (by about a day), according to one medical study. However, it may not be as good at treating flu symptoms once the infection occurs. Be careful about taking it if you are taking any blood-thinning medications (including aspirin) since garlic has blood-thinning properties and can increase your risk for bleeding problems. Of course, check with your doctor for your best advice.
- Vitamin C. Medical literature suggests that taking 1000-2000 mg if vitamin C daily on a consistent basis, rather than as needed, can help shorten the duration and severity of upper respiratory infections in general.
- Ginseng / Cold-Fx. Cold-Fx is a proprietary extract of the roots of North American ginseng and has been shown in studies to prevent respiratory infections. One study showed that when seniors with good immune systems take Cold-Fx, it helps to reduce the risk of respiratory infections by 48% and can reduce their duration by 55%. It was also found to be a safe natural therapy.
- Essential Oils. The combination of 3 essential oils – eucalyptus, alpha-pinene from pine, and d-limonene from citrus – has been shown to be helpful in treating acute and chronic inflammation of the lungs, and so may be promising in helping you to fight off the flu. This combination comes in oral form and is recommended to be taken at a dose of 300 mg, three to four times daily.
- Probiotics. Probiotics (“pro-life”) are bacteria that are good for you. Scientific evidence shows that this type of bacteria can improve your immune system by increasing certain T cells, which can fight off infection, or by helping to reverse some vitamin deficiencies. You can find probiotics in cultured dairy products – like kefir or yogurt. They are also available in different types of oral supplements. One clinical study showed that a probiotic bacteria, Lactobacillus fermentum, helped to improve the effectiveness of the flu vaccines. Other studies have shown probiotic benefits, when taken with multivitamins and minerals, in helping to improve the duration and severity of flu symptoms. It’s also essential to take a course of probiotics following any antibiotic treatment. After a course of antibiotics you are especially vulnerable to the flu and other illnesses – probiotics can help protect you.
Option #4 Travel Abroad for Care: Affordable, Quality Care-
And Vacation Too!
Medical tourism means travelling to another country to receive medical, dental or surgical care because of the affordability, better access to care, or a higher level of care. The most common reasons for medical travel are cosmetic and obesity surgery, fertility treatment, dentistry, other non-insured procedures and alternative therapies such as stem cell treatment not available in the U.S.
Getting Medical Work Done Abroad:
A Real Alternative to Obamacare
Patients Beyond Borders lists the top ten destinations for medical tourism (in alphabetical order) as Brazil, Costa Rica, India, Korea, Malaysia, Mexico, Singapore, Taiwan, Thailand, and Turkey. These destinations offer modern healthcare infrastructure, international accreditation, transparency of outcomes, healthcare innovation and achievement, experienced medical staff and cutting edge medical technology, to name just a few of the criteria. Brazil, Costa Rica, and Mexico also have the advantage of being easy to reach from the U.S.
Border towns in Mexico have lured Americans to cheaper dental care, as well as surgical procedures from gastric bypass to chronic back pain, for less than half of what they would pay at home. Health Travel Technologies processes more than 600 inquiries a month and sends more than 100 dental patients abroad each month. Dental services presently account for 40% of medical tourism.
In Mexicali, Mexico alone, over 150,000 patients cross the border each year for treatments. If you are travelling to Mexico, pay very close attention to your personal safety and security; thoroughly research the area you hope to visit before making any firm travel plans.
Vacation While Receiving
Cheaper Medical Services…
Here are a few examples from 2011:
- A coronary bypass graft costs $88,000 in the U.S. and $9,500 in India.
- A hip replacement averages $33,000 in the U.S. and $12,500 in Mexico.
- A heart bypass costs $144,000 in the U.S. and $14,082 in Colombia.
- A knee replacement is $50,000 in the U.S. and $6,500 in Colombia.
- Breast implants $10,000 in the U.S. and $2,500 in Colombia.
- A facelift is $15,000 in the U.S. and $5,000 in Colombia.
In Colombia and other foreign countries, many people opt for surgery packages which include transportation, accommodations, and the surgery itself. One in five patients choose the services of a medical tourism facilitator who will arrange your trip, surgery and in some cases any required after care when you return home.
Internationally Trained Staff
and Facilities Are Waiting…
In 2012, World Health Organization’s World Health Report showed Colombia as a world leader in health care surpassing developed countries like the U.S., Switzerland, Canada, and Germany.
Over 30% of medical graduates in the U.S. are international students, many returning home after training. Numerous websites provide listings of doctors in foreign countries that speak English and/or provide translation services.
In 1999, the U.S. launched the Joint Commission International (JCI) to set rigorous standards that international hospitals must meet for accreditation. There are currently over 400 accredited facilities and the number is growing by 20% per year. Currently, five JCI accredited organizations were named on the list of the 25 most beautiful hospitals in the world (listed #21 was Hospital Punta Pacifica – Panama City, Panama affiliated with John Hopkins Medicine International). Many hospitals also have International Patient Services Certification.
If you chose a plastic surgeon who is an American Society for Aesthetic Plastic Surgery member, this doctor is exceptionally trained with outstanding credentials and knowledge of innovative cosmetic procedures.
In the Cayman Islands, local and international investors have committed $2 billion in a 2,000 bed hospital targeting U.S. medical tourists. Pro-med from Costa Rica reported patients and families stay longer and spend six times as much as the average tourist. On average medical tourists pay $7,000 per stay of 15 days with total annual revenue from medical tourism of $300 million.
In Ecuador, the results and records of medical treatments belong to the patient and are delivered to you. A hospital stay in Santa Ana Hospital in Cuenca offers a private room with an extra bed for family members for $50 per day and a private suite for $75, including meals.
Dr G. Richard Olds, dean of the medical school at the University of California stated, “We’ll have a 5,000 physician shortage in 10 years no matter what anyone does.” A growing shortage of doctors, longer hospital waits, and the possibility of insurance companies extending coverage for Americans international medical bills is making medical tourism more popular every year. With more countries depending on medical tourism they are making sure their patients receive the best treatments possible.
The 2012 Milliman Medical Index estimates the annual medical care for a typical American family of four to be $20,728. The Commonwealth Fund reported over 25 million Americans are underinsured. Maybe you’re one of the underinsured adults who don’t want to refinance your home or deplete your savings to pay for surgery.
Before Venturing Abroad
for Medical Treatment…
Remember first to… research, research, research…
- Find out all costs involved with the medical procedure in the U.S. so you can compare.
- When will you be able to have the procedure done at home compared to away?
- Search for the best countries to have your procedure done overseas.
- Check on the qualifications of the doctors, hospital (JCI accredited) and medical staff.
- Do they speak English?
- Do you want or need to use the services of a medical tourism facilitator and what services do they provide?
- What will be the costs for travel, for yourself and a companion – air, hotel, and meals?
- Medical costs – doctors, hospital, medications, ask for a list of all costs involved.
- Length of time you’ll need to be in that country for treatment and recovery.
- Will you need after care when you return home and what will that cost?
Next time you’re going on vacation consider what dental work you may need done or that nip and tuck you’ve been considering. The money you save could easily pay for your trip.
Option #5 Make Your Own
Antibiotics: No Rx Needed!
Keep this lifesaving information close by. You may need it! Health-savvy individualists are looking to centuries-old medicine to fight today’s antibiotic-resistant superbugs, and a surprising number of worried scientists say this is exactly the right thing to do.
Today one therapy stands out. You can use it now at home, without a prescription, and without any restrictions. It can keep you out of dangerous emergency rooms and germ-infested waiting rooms. With the astounding growth of antibiotic-resistant illnesses, and the spread of Obamacare, someday soon this information may even save your life.
Antibiotics Were the
Miracle Drug…What Happened?
A little over a 100 years ago, a scraped knee could lead to a skin infection that had an 11% chance of killing you. But with the commercial manufacture and widespread use of antibiotics like penicillin, starting around the 1930s, the chance of death from a skin infection dropped 100-fold. It’s no wonder these antibiotics quickly came to be called “miracle drugs.”
Antibiotics were so powerful and effective we started using them all the time. In the last 80 years of massive antibiotic use, many bacteria have evolved and developed immunity to them.
For instance, two superbugs, Methicillin-resistant Staphylococcus aureus (MRSA) and Carbapenem-Resistant Enterobacteriaceae (CRE), have a greater death rate today than yesteryear’s skin infection.
Compare this: for MRSA patients, the death rate is 20% – 50% according to the MRSA Survivors Network website. And CRE now has a death rate of 38% – 44%, according to the CDC. Being told that you have one of these new superbugs is nearly equivalent to a death sentence.
Serum Therapy, also known as
Inoculation or Vaccination,
May Help Fight Superbugs…
Scientists are quickly searching for alternative treatments for today’s killer germs. One place they’re looking is into the past.
Before antibiotics, and before science even knew what a germ was, humans relied on inoculation, which later became known as vaccination. This treatment works by making the body’s own immune system aware of invading cells, like bacterial or viral infections, so that it can kill them off.
One of the earliest breakthroughs was the cure for smallpox discovered in the late 1700s. Edward Jenner (the father of immunology) took pus from a milkmaid infected with cowpox (smallpox for cows, which can be transmitted to humans, but is not deadly) and gave it to a young boy. A few weeks later, Jenner intentionally exposed the boy to smallpox, but the boy never got ill.
Today’s scientists are reexamining therapies like these hoping to find backup or replacement solutions to antibiotics.
Bacteriophages – Killer Viruses
that Prey on Deadly Bacteria…
The development of this germ-killing therapy got its start around the same time as antibiotics. However, they were less potent than antibiotics so many medical professionals and drug companies ignored them, especially in the West.
Over the last 90 years, Eastern Europe, the former Soviet Union, and France continued developing bacteriophages as alternatives to antibiotics.
Today, biotech firms in Eastern Europe are creating new bacteriophages to treat infections such as staphylococcus, MRSA, Streptococcus, Salmonella, and more.
Problems on the Horizon…
In light of the good news with some of the new research mentioned above, a few problems exist that you should be aware of. Namely, government meddling…
- Many of these treatments are still in the research or experimental phase and will have to wait for FDA approval before being allowed in the U.S., even if they are safely and successfully used overseas.
- The manufacture of medicines, like most manufacturing today, takes place more and more outside of U.S. borders. For instance, India produces 60% of the world’s vaccines and Eastern Europe seems to have the expertise with bacteriophages. So it’s quite possible that international politics, economics, and trade barriers could hinder your ability to get hold of these medicines, especially in times of crisis.Lastly, as the U.S. heads deeper toward socialized medicine through Obamacare, we can find ourselves getting shut out of much needed medicine and medical help due to rationing and government medicine inefficiencies, waiting in long lines surrounded by sick people, and being forced to ask permission from a government bureaucrat for a simple prescription.
Centuries Old and Effective
Treatment Against Bacteria,
Virus, and Fungus Infections…
No Rx Needed!
You can sidestep all these barriers right now and get hold of a powerful therapy against bacteria, viruses, and fungi … and without a prescription. We’re talking about colloidal silver, and it’s an effective remedy you should have in your home.
Silver-based treatments have been safely and successfully used for centuries. In today’s medical research, using silver as a germ killer, you’ll often hear the term ‘nano silver.’
Silver ions have the uncanny ability to kill disease-causing bugs. In the past for instance:
- Scientists put silver dimes in Petri dishes to sterilize the dishes.
- Silver nitrate was required for years on newborn babies’ eyes in most states to stop blindness caused by venereal disease and is still used in many hospitals.
- Finely ground silver suspended in water was considered the best treatment for burns, fungus, infections, and disease before antibiotics.
- A bit more recently, NASA scientists have been using silver ionization generators to purify water onboard spacecraft and to keep U.S. astronauts healthy.
A 1978 Science Digest article titled “Our Mightiest Germ Fighter” said,
“Thanks to eye opening research, silver is emerging as a wonder of modern medicine. An antibiotic kills perhaps half a dozen different disease organisms, but silver kills some 650. Resistant strains fail to develop. Moreover, silver is virtually non-toxic.”
Colloidal silver is the only centuries-old disease killer you can own now that gives you a practical level of self-reliant health and freedom from encroaching socialized medicine.