Professional Documents
Culture Documents
Health Insurance
Off the Grid
A Wonderful Way To Use
Alternative Medicine
and Save Money on Insurance
with the New
Health Savings Account (HSA)
Daryl Kulak
Second Edition
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Table of Contents
DEFINITIONS ..................................................................................................................7
INTRODUCTION – THE STATE OF HEALTHCARE IN AMERICA ..................8
THE PROBLEMS .................................................................................................................... 8
We Hate Our Health Insurers........................................................................................ 8
Doctors on Strike?.......................................................................................................... 8
Americans Go Uninsured When They Go Unemployed................................................ 9
Health Insurance Rates Rise Dramatically................................................................... 9
Comparing the Inflation Rate to Increases in Health Insurance Costs ..................... 10
Medical Doctors are “Opting Out” ............................................................................ 11
All This Money Isn’t Buying Better Care .................................................................... 12
Preventive Care Still Isn’t Part of the Health Insurance Picture .............................. 13
Controlled Studies Give Us Inconclusive Results....................................................... 14
Our Leaders Aren’t Even Asking the Right Questions ............................................... 15
Druggies For Life......................................................................................................... 17
Antibiotics Are Bringing Back the Plagues! ............................................................... 17
The Right Drug in the Right Dosage Kills 100,000 a Year ........................................ 18
WHO’S TO BLAME?............................................................................................................ 18
WOULDN’T THAT LOOK GREAT ON A PROTEST SIGN?..................................................... 18
WE HAVE MET THE ENEMY AND…D’OH! ....................................................................... 20
WHAT SHOULD WE DO? ................................................................................................... 23
Fixing Healthcare Nationally ...................................................................................... 23
Fixing Healthcare Personally...................................................................................... 25
HEALTH OFF THE GRID – MAKING HEALTH INSURANCE SERVE YOU.27
THE PLAN IN BRIEF ............................................................................................................ 27
Goals............................................................................................................................. 28
Steps.............................................................................................................................. 29
STEP 1 – HIGH-DEDUCTIBLE HEALTH INSURANCE – BE SECURE
WITHOUT OVERPAYING ..........................................................................................30
THE HIGH-DEDUCTIBLE RESPONSE TO INSANITY ............................................................ 32
POLICY RIDERS .................................................................................................................. 42
YOU’LL RECEIVE HEFTY DISCOUNTS ON OUT-OF-POCKET EXPENSES ........................... 43
STEP 2 – HEALTH SAVINGS ACCOUNT (HSA/MSA) – COVER SMALL
EXPENSES AND SAVE ON TAXES...........................................................................45
BE YOUR OWN INSURANCE COMPANY – FOR THE SMALL STUFF ................................... 47
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USE, SNOOZE, BUT YOU WON’T LOSE IT ......................................................................... 48
WHERE TO GET IT?............................................................................................................ 49
HSA DETAILS, DETAILS, DETAILS ................................................................................... 50
STEP 3 – HEALTH OFF THE GRID ACCOUNT (HOTG ACCOUNT) – MONEY
TO PAY FOR HOLISTIC HEALTH SERVICES .....................................................54
CAN YOU BE DISCIPLINED? .............................................................................................. 55
STEP 4 – HEALTH DISCOUNT CARD – REDUCE THE COSTS OF DENTAL,
VITAMINS AND VISION .............................................................................................57
DENTAL AND VISION ......................................................................................................... 57
VITAMINS, HERBS, DRUGS, HEARING AIDS, HOLISTIC SERVICES................................... 58
THE DECLINE OF DISCOUNT CARDS.................................................................................. 59
STEP 5 – CAR INSURANCE RIDER – GET YOUR DEDUCTIBLES PAID FOR
............................................................................................................................................60
STEP 6 – NETWORK OF PRACTITIONERS – FIND PRACTITIONERS YOU
CAN TRUST ....................................................................................................................62
THE HIGH-DEDUCTIBLE DISCOUNT .................................................................................. 64
THE FAMILY PRACTITIONER.............................................................................................. 67
THE REST OF THE NETWORK ............................................................................................. 70
SO YOU WANNA STICK WITH WESTERN MEDICINE? ....................................................... 73
Choose a Caring MD ................................................................................................... 73
Home Remedies For the Little Things......................................................................... 74
SO YOU WANNA GO HOLISTIC?........................................................................................ 75
Definition of Holistic Health........................................................................................ 75
Accept Responsibility for Your Own Health ............................................................... 78
Safest, Cheapest Appropriate Remedy First ............................................................... 79
Do Your Own Health Research ................................................................................... 81
Acknowledge Mind-Body-Spirit Interactions.............................................................. 82
Be Open-Minded .......................................................................................................... 84
Emphasize Prevention.................................................................................................. 87
Understanding the Difference Between Healing and Curing..................................... 88
DIFFERENCES BETWEEN WESTERN MEDICINE AND HOLISTIC HEALTHCARE ................. 89
SYMPTOM/SYNDROME/TONIC IN WESTERN MEDICINE .................................................... 90
SYMPTOM/CAUSE/THERAPY IN HOLISTIC MEDICINE ....................................................... 90
ANCIENT CARE IS THE BEST CARE .................................................................................... 92
WESTERN MEDICINE’S BIG EXCUSE FOR NOT GOING HOLISTIC ..................................... 93
THE HOLISTIC HEALTH PRACTICES .................................................................................. 95
Holistic Practices ......................................................................................................... 96
SIX EASY SYSTEMS .......................................................................................................... 113
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Naturopathic System .................................................................................................. 113
Traditional Chinese Medical (TCM) System............................................................. 115
Ayurvedic System........................................................................................................ 117
Structural System........................................................................................................ 119
Energetic System ........................................................................................................ 120
Western Medical System ............................................................................................ 121
HOLISTIC HEALTHCARE FOR CHRISTIANS ...................................................................... 122
Evaluating Practitioners as a Christian.................................................................... 124
Differences Between Religion and Spirituality ......................................................... 125
Mind and Body – Really Separate? ........................................................................... 126
STEP 7 – THE MONTHLY PLAN – PLAN EACH MONTH OF WELLNESS AND
ILLNESS ........................................................................................................................130
STEP 8 – SAVE THE REST – MAKE EXCESS SAVINGS SERVE YOU..........135
STEP 9 – REVIEW ONCE A YEAR – CHANGE YOUR PLAN TO MATCH
YOUR LIFE...................................................................................................................139
YEARLY THEMES ............................................................................................................. 139
A WORD TO HOLISTIC HEALTH PRACTITIONERS ......................................141
CONCLUSIONS ...........................................................................................................143
APPENDIX A – REFERENCES.................................................................................144
APPENDIX B – FORMS AND SAMPLES ...............................................................155
MONTHLY PLAN TEMPLATES .......................................................................................... 156
ABOUT THE AUTHOR ..............................................................................................163
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Definitions
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Introduction – The State of Healthcare in
America
The Problems
The “state of healthcare in America” today is weak. We are
headed in the wrong direction, and we are paying too much for
diminishing results.
Doctors on Strike?
For the first time in history, medical doctors are holding
statewide strikes, like those in West Virginia in January, 2003.
Many doctors are quitting due to high malpractice insurance
premiums, which often exceed $100,000, according to the Inc.
magazine article in December 2003 entitled “The Worst
Business in America.”
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Americans Go Uninsured When They Go
Unemployed
One out of seven Americans lives without health insurance
(Statistical Abstract of the US 2002). Many of these are families
where the sole wage-earner has recently lost a job and the
family cannot afford COBRA coverage, or someone has a
chronic disease (pre-existing condition).
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Comparing Inflation to Health Insurance
Year National Inflation Health Benefit Costs
Rate
1998 1.6% 6.1%
1999 2.7% 7.3%
2000 3.4% 8.1%
2001 1.6% 11.2%
2002 2.4% 14.7%
NOTE: The “health benefit costs” shown above are the increases to rates
to the employers. For example, in 2002, employer health costs rose
14.7%, but the costs passed on to employees in the form of higher
monthly premiums, higher deductibles and higher co-payments generated
much higher costs for employees, up to 20% in many cases.
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The actual result has been that employees try to “hoard” the
initial amount, postponing doctor visits until a health problem
becomes acute and hard to reverse.
By opting out, I mean doctors who refuse all patients who wish
to use health insurance of any kind.
Political candidates say they can give us solutions to pay for the
massive healthcare bills we are ringing up as a nation.
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Others propose a “single payer” system, similar to Canada’s
socialized medicine program.
Is the question
“How will we pay for this healthcare?”
or
“Why is healthcare so expensive?”
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Druggies For Life
Many people have accepted that they will have to take
pharmaceutical drugs for the rest of their lives. Diabetics accept
that they will have to inject insulin. People with high blood
pressure accept that they will take drugs to prevent heart
attacks. These drugs do not help reverse the conditions they
treat. The cost of these “everlasting drugs” goes to increase
health insurance premiums for all payers.
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The Right Drug in the Right Dosage Kills 100,000
a Year
One hundred thousand patients die every year in America from
receiving the right prescribed drug in the right dose at the right
time. This is called iatrogenesis and it is the fifth leading cause
of death in America (DrMercola.com Website).
Who’s to Blame?
Don’t Blame Your Doctor
There is one thing that will work. Each person must create a
plan today that will work for themselves where they can afford
the insurance premiums and get access to the care they need.
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What Should We Do?
Fixing Healthcare Nationally
Every presidential candidate tells us they have the solution to
our healthcare issues. The meekest solutions provide us with
additional federal funding (taken from which budget, we are not
told). The boldest plans give us copycat solutions taken from
other countries where healthcare “really works,” usually
Canada, Britain or Germany.
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collection of jets, mansions and rare artwork. But I don’t
believe that’s happening in this case.
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The question I intend to answer in this book is “how can I
create a plan for my family’s health without having to change
the American healthcare system?”
Gandhi said, “Be the change you want to see in the world.” By
changing your own approach to healthcare, you cannot help but
change things at a national (and international) level.
http://www.radicalmiddle.com/x_health_care.htm
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doing some calculations, making phone calls, meeting with
certain experts, signing some papers.
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Health Off the Grid – Helping Health Insurance
Serve You
I have created a healthcare approach that I call Health Off the
Grid. This approach is a set of services available today that
together can offer the peace-of-mind of an insurance policy
with the ability to include holistic health services and flexibility
to handle the ups and downs of everyday life.
In this chapter, I’ll describe the Health Off the Grid approach
and all its parts. I’ll show you how it works and explain where
you can get each type of service.
Living “off the grid” means that a person might be using wind
turbines, solar cells, water wells and septic tanks to remove themselves
from the necessity of any utilities like electricity, water and sewer. I’ve
always respected these folks for their courage and self-reliance.
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I will summarize a plan for creating and maintaining health
using the existing tools in the American healthcare system. I
will explain each step and how it relates to decreasing your
costs and benefiting your health.
Goals
My goals in creating the Health Off The Grid plan are:
I believe the Health Off The Grid system satisfies these goals,
but you need to be the judge as you read the rest of this chapter.
Sky-high costs.
Idiotic bureaucracy.
If you have a bad health year and spend the entire $2,500
deductible yourself every year of your life, you will still be
ahead because you’ve been paying premiums that are so much
lower. Let me state that in another way. You save so much on
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what you pay in monthly premiums that even if you and your
family were so sick year-after-year that you had to use your
entire deductible every year, you’d still save money over a
typical low-deductible policy.
This is a major key to the entire Health Off The Grid plan, so I
hope you understand what I’m saying here. Let’s use a quick
example.
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NOTE: The insurance costs are estimated and could
vary greatly from one insurer to another. Please use
the figures for comparisons only.
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In the tables below, let’s see what happens when your family
has a good healthy year and also in a year where there is a lot of
illness.
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prescription rider in the right-hand-column, so we had to pay
the entire $5,000 for prescriptions.
But the amazing thing happens when we look at the bottom line
of each policy. Even though we had to pay that enormous
deductible of $2,500 this year, we STILL SAVED MONEY
using the right-hand-column.
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Year 3 Scenario – Incorporate Holistic Health
$6,500 spent on Holistic Health,
$2,000 on Western Medicine
Low-Deductible High-Deductible
Deductible $100 $2,000
Co-insurance $0 $0
Prescription costs $0 $0
Premiums paid: $13,032 $3,600
Holistic health services: $6,500 $6,500
Total paid: $19,632 $12,100
It’s a pretty good year, the family has only $2,000 in Western
medical expenses. No prescription drugs this time, because our
family is using herbs and vitamins instead as much as possible.
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Here’s a thought:
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All this talk about family members getting sick begs the
question – how often does that happen?
$0 33%
$1 -$500 40%
$501 - $1,000 9%
$1,001 - $2,000 7%
$2,001 - $5,000 6%
$5,001 - $10,000 3%
$10,001 - $25,000 3%
$25,001 - $50,000 .5%
$50,001 - $100,000 .2%
$100,001 - And Up .05%
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Policy Riders
There are two policy riders that you should consider removing.
Riders are additions to a policy that add money to your
premium.
The first is the prescription drug rider. The premiums for this
rider can be quite costly and if you can possibly avoid it, you
should. Obviously, if you are in a situation where you must take
prescription drugs regularly to treat a chronic problem, you may
not be able to follow my advice.
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substitute holistic remedies (homeopathy, herbs, vitamins,
aromatherapy, etc.) that are much cheaper and safer.
The second policy rider is usually called the doctor visit rider.
Again, if you decide in your monthly spending plan that you
wish to see a Western MD regularly, you will probably want to
keep this rider. But my suggestion is that you consider
switching to a holistic practitioner (naturopathic doctor,
chiropractor, ayurvedic doctor, etc.) as your health advisor. If
you take my advice, you’ll want to remove this rider from your
policy.
These discounts apply to the services and products that you pay
for (because you haven’t hit your deductible for the year yet)
but that would have been eligible for insurance had you reached
your deductible. Your insurance company has negotiated steep
discounts with the providers (doctors, hospitals, etc. in your
network) and you will receive those discounts if you file the
claim with your health insurance company, no matter whether
you’ve reached your deductible or not.
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An HSA may be used exactly the same way, but there is one
change that makes the HSA even more valuable to you.
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An HSA is an account where the individual may deposit money
and deduct that deposit from that year’s tax return. However,
the individual may then withdraw money from the HSA at any
time, as long as the withdrawal is to pay for a “valid” medical
expense.
For a complete list, you may visit the IRS Website and search
for Publication 502, which lists all the medical expenses that
the IRS views as “valid” for tax deduction.
http://www.irs.gov/pub/irs-pdf/p502.pdf
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The only company that can set up an HSA for you is a company
designated by the IRS as an HSA custodian. Banks, insurance
agents and financial planners are quickly becoming qualified as
HSA custodians, so check with your favorite institution to see if
they can set it up for you.
If when you retire, you have built up extra money each year in
your HSA, well, you now have another IRA that you hadn’t
counted on! Upon retirement age, you may begin drawing the
money out just like any other Traditional IRA. Taxes will be
charged upon withdrawal, but since you are retired, your
income level is probably much lower than when you were
working, so the tax rate will be lower.
The lowest “high deductible” you could have and still get an
HSA is $1,000 for an individual and $2,000 for a family. But
my advice is to stick with the $2,500 deductible, because that is
when the numbers are all working for you, not against you. I
feel $1,000 is still too low.
I can state for certain that any State Farm insurance agent will
offer the services of a high-deductible health insurance policy
and an HSA. State Farm provides my wife and me with our
insurance and HSA, through Ohio agent Larry Buttermore
(614-882-3276). I am also aware that some Raymond James
offices offer this combination of insurance and HSA, including
Logan Financial Group in Ohio (614-442-0214). And,
independent insurance agents and financial planners may also
be able to help you, including Mica Schober at the Poetry of
Money in Ohio (614-619-0404).
For people between ages 55 and 65, the HSA contribution limit
is increased by $500 in calendar year 2004. Starting in 2005,
this catch-up amount will increase in $100 increments annually,
until it reaches $1,000 in calendar year 2009.
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become so popular that I believe this is a very unlikely
scenario, unless you abuse your HSA, of course.
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Step 3 – Health Off The Grid Account (HOTG
ACCOUNT) – Money to Pay for Holistic Health
Services
A Health Off The Grid Account (HOTG ACCOUNT) is my
own invention. The Health Savings Account (HSA) is too
currently too restrictive for the health practices I recommend in
this book, so you’ll need another account for those expenses.
Use the money in this account to pay for holistic health services
and products, including but not limited to:
There are two solutions to this dilemma. The first is to resist the
urge. The second is to put the account in control of someone
else, and ask them to approve the expenses before they allow
the money to be spent. It may be possible to create a
relationship with a financial planner who is willing to do this
administration for you. Expect to pay for this service, and map
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out exactly what you want to allow and what you want ruled
out.
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Step 4 – Health Discount Card – Reduce the
Costs of Dental, Vitamins and Vision
The first three steps help you plan and pay for medical expenses
of all types, but they do not really address other concerns, like
dental and vision coverage.
The best I can suggest here is to use a health discount card, like
the Healthy Advantage card from American Health Advantage
(www.ahahealth.com). The card costs $120 per year.
• Dental
o regular cleanings (50% off)
o fillings (15% off)
o crowns and bridges (15%)
o orthodontics (15% off)
• Vision
o glasses and contacts (10-60% off)
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Vitamins, Herbs, Drugs, Hearing Aids, Holistic
Services
This particular discount program also offer discounts on
prescription drugs (up to 50%), vitamins and herbs (up to 50%),
hearing aids (up to 50%) and certain holistic health services like
acupuncture, reflexology and massage (up to 30%).
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Step 5 – Car Insurance Rider – Get Your
Deductibles Paid For
A much overlooked health benefit actually hides in car
insurance policies. High deductible insurance policies are the
scariest in the face of a bad car accident, where one or more
family members might need extensive Western medical help in
an emergency situation. Injuries could be severe and costs could
add up very quickly.
Let me rephrase this. If you get in a car accident, you will not
pay your health insurance deductible ($2,500 as I’ve
suggested), instead, your car insurance company will pay it
for you.
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But this occurs only if you have the health insurance rider. The
important factor is to make sure your health insurance rider on
your car insurance matches or exceeds your deductible on your
health insurance policy. If it does not, you will still be
responsible for the shortfall.
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Step 6 – Network of Practitioners – Find
Practitioners You Can Trust
A Western medical
doctor visit may cost
$100 for a 7 minute A naturopath is a holistic health
visit, assuming you practitioner who usually uses herbs,
haven’t yet met your vitamins, homeopathic remedies,
insurance deductible. hypnosis, meditation and other
practices to treat patients. A naturopath
is not licensed by a state medical board
An initial consultation (except in Washington state, California
to a naturopathic and a few other Western states).
doctor may cost $90
for 90 minutes. I’ll explain naturopathy more in the
Subsequent visits may section “Six Easy Systems!”
cost $50 for a 30-
minute appointment. Insurance will not apply to these costs.
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The cost of the remedies the MD provides are extremely
expensive. The drugs they offer come from pharmaceutical
companies who must recoup their research and bureaucracy
costs from the patients who use them. The surgical techniques
offered by MDs are also extremely expensive, often running
into tens of thousands of dollars.
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Western MDs also have it tough in other areas. They are afraid
to try anything new, because of pressures from the malpractice
insurance companies, HMOs and state medical boards. If a
doctor tried a remedy that he thought was safer and more
effective on a patient, and it produced some unexpected results,
the patient could easily sue the doctor and win, and the health
insurer could easily rule out paying for the procedure. In fact,
MDs who do holistic health in addition to their regular practices
must separate the visits. This means you might visit the MD for
a physical exam, and pay for it through your health insurance.
But if you wanted to consult with them on an herbal remedy,
you would have to set up a separate appointment on a different
day, and make sure that that second appointment was not
connected to your previous insured appointment. This is true in
many US states.
For this reason, I think Western MDs will have a hard time
jumping into the holistic health world. They are disincented to
do so. Until that changes, I cannot see Western MDs leading us
into safer, more effective remedies, or even following us there.
This is not because MDs are bad people, but because they have
bigger hurdles to overcome than the rest of us do.
Have you ever wondered how MDs can stay healthy even
though their job puts them face-to-face with contagious
diseases every day? Many MDs are able to stay healthy because
they use natural remedies like herbs and homeopathics for
themselves that work to keep them healthy. They are
completely open to these remedies for themselves and their own
families, but they cannot use them in the medical setting
because the system would punish them for “being different.”
Who can argue with that logic?
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be covered for the big problems that Western medicine solves
so well.
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far as I know, this is true of every family practitioner I’ve
met.
5. The person should be more open-minded than you are. If
the practitioner is always chiding you or warning you not
to try anything outside a certain realm, you will not be
happy. But if they are gently leading you into some new
modalities that you may not have tried on your own, that
is the best situation.
6. The person must be accessible between appointments.
Many practitioners use e-mail to keep in touch with their
clients between appointments. You cannot imagine how
useful and comforting this is. Ask how often they check
their e-mail, and what, if anything, they charge to offer
you their e-mail service. If they charge nothing, thank
your lucky stars.
7. Consider the level of training you are comfortable with.
Don’t fall into the mental trap of “more years of training
is better.” Not so. I’ve been to many MDs with years of
training who could not hold a candle to a naturopath who
learned everything through correspondence school and
mentoring from other practitioners. Why? She cares,
they don’t. She listens, they don’t. She works with me fit
the dietary and exercise changes into my lifestyle, they
didn’t.
I need to warn you that your search for the right family
practitioner may be a long one. But it will be worth it.
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If you decide to use a Western MD, make sure they can
conform to all the criteria above. And realize that you will
usually pay more for Western MDs than you would for a
holistic practitioner like a naturopath or chiropractor. But you
must stick with the person and profession where you will feel
most comfortable, so don’t let your pocketbook dictate
something that your comfort level will reject.
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However, with a lower backache, she might accept my
suggestion to see a rolfer that I have had excellent results with
in the past. The rolfer would likely be able to resolve the
backache with a set of three appointments.
Naturopathic Pracs
TCM Pracs
Ayurvedic Pracs
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supplement called SeaSilvertm, which sounded like an excellent
replacement to my set of daily vitamins.
You may decide that you do not wish to have a major heading
represented. Perhaps your religious beliefs prevent you from
allowing any type of energy work such as reiki or Healing
Touch on your body. In this case, you would rule out that
category of healing and not choose a practitioner.
Choose a Caring MD
Choose your Western MD based on all the criteria for choosing
a family practitioner stated previously. Also make sure that the
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MD is in your health insurance network, so you will receive
reduced fees.
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4. Prevention is preferable to treatment and is usually more
cost-effective. The most cost-effective approach evokes
the patient’s own innate healing capabilities.
5. Illness is viewed as a manifestation of a dysfunction of
the whole person, not as an isolated event.
6. A major determinant of healing outcomes is the quality of
the relationship established between physician and
patient, in which patient autonomy is encouraged.
7. The ideal physician-patient relationship considers the
needs, desires, awareness and insight of the patient as
well as those of the physician.
8. Physicians significantly influence patients by their
example.
9. Illness, pain and the dying process can be learning
opportunities for patients and physicians.
10. Holistic physicians encourage patients to evoke the
healing power of love, hope humor and enthusiasm, and
to release the toxic consequences of hostility, shame,
greed, depression and prolonged fear, anger and grief.
11. Unconditional love is life’s most powerful medicine.
Physicians strive to adopt an attitude of unconditional
love for patients, themselves and other practitioners.
12. Optimal health is much more than the absence of
sickness. It is the conscious pursuit of the highest
qualities of the physical, environmental, mental,
emotional, spiritual and social aspects of the human
experience.
Is this the type of person you want? If so, then you want a
holistic health practitioner.
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• Acknowledging that health issues usually have origins in
mind-body interactions or even in spiritual factors
• Being open-minded to health practices that “seem weird”
but get results for people
• Putting emphasis on prevention of disease rather than
cure
• Understanding the difference between healing and
curing.
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unacceptable. “You mean you want me to feel guilty for getting
cancer???”
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Also, holistic remedies operate on subtler principles than
Western medicine. Holistic remedies like herbs, homeopathics,
aromatherapy, vitamin therapy, body work, energy work and
others work with the patients systems (body, mind and spirit) to
encourage healing. This process is much more subtle than the
Western medical approach, which is to introduce a chemical to
fight the body in some way to establish “control over nature.”
These remedies will always have to be much more strong and
dangerous.
Like any best friend, though, the Internet has its dark side.
Misleading, irresponsible sources of information on the Internet
are everywhere. The best way to resolve this issue is to read
everything, but pay closest attention to Websites that are
produced by credible sources – healthcare institutions,
government agencies, reputable practitioners, quality news
sources (CNN, Washington Post, etc.). If in doubt, search on
the institution or practitioner. If you find them quoted
elsewhere in credible sources, you can probably trust them.
When you find a particular fact that you want to check out, use
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a process I call “triangulation.” See if you can find that fact
reported in at least two other places, worded differently. If you
can, you can be more sure (but not totally sure) of the original
report.
People from China, India or other Far East countries might have
an easy time accepting holistic health principles, since it comes
directly from these countries in the first place.
At the extreme, some Americans may feel that body, mind and
spirit must be kept separate from each other. The doctor treats
the body, the psychiatrist treats the mind and the
pastor/priest/rabbi treats the spirit. Someone who strongly feels
that all three must be kept separate, and that co-mingling one
with the other would be harmful to one’s religious beliefs, may
have trouble accepting holistic principles. A person will need to
accept at least mind-body interactions to prosper in a holistic
health system, interactions like:
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A person would need to at least accept these mind-body
interactions to be open-minded enough toward holistic
healthcare.
Holistic health will work as much as you will let it. If you feel
that you could substitute vitamins and herbs for
pharmaceuticals, but you aren’t willing to look beyond that,
you’ll still benefit. Acknowledging mind-body interactions (if
you get depressed, you’re more likely to catch a cold, etc.) is a
big step towards a holistic mindset. Even ten years ago this
would have been a “fringe” way of thinking, but today it is
common to find Western doctors who are interested in how the
mind affects the body and vice versa.
Be Open-Minded
Holistic health therapies open require an open mind. Because of
the nature of holistic health, scientific studies cannot measure
the effects of these therapies. A controlled scientific study
involves splitting patients into two groups, giving one group the
therapy under examination, and the other group a placebo
(usually a sugar pill). The scientists then measure the difference
between the “placebo effect” and the effect of the therapy under
examination (usually a drug).
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Imagine trying to do this with massage. How do you do a
“placebo massage” where the patient thinks they’re getting a
massage but they’re really not? How do you fake an aroma?
How do you do a placebo-based study on “eat more
vegetables?”
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Emphasize Prevention
Holistic healthcare embodies another powerful concept:
wellness. Western medicine is, in fact, not a healthcare system
but a sickness care system. It is focused on curing disease, not
on preventing it.
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Understanding the Difference Between Healing
and Curing
A Western doctor might not differentiate between healing and
curing. But a holistic practitioner likely will.
For example, a patient who has brain cancer may have only
days to live. An energy worker may do some work on the
person that gives them hope and happiness in their final days.
The patient does die, so no cure was given. However, their last
days were infinitely more pleasant than they would have been,
so healing occurred.
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Differences Between Western Medicine and Holistic
Healthcare
Curative Preventive
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Once you and the practitioner agree on a cause, you can both
explore treatment options, which will match the cause
(emotional, physical, dietary, spiritual, etc.). It is quite likely
there will be multiple causes, crossing the mind-body-spirit
boundaries. Perhaps it will include some dietary changes,
physical exercises, hypnosis, herbs, any of a variety of
therapies.
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2. Self-fulfilling prophecies. Diseases act differently in
different people, often dramatically so. Trying to predict
how a disease or syndrome will progress in a particular
person often isn’t accurate, and is never helpful in giving
a person hope in overcoming their condition. Self-
fulfilling prophecies take over and the person watches for
any little sign that they are getting worse in the particular
way the doctor assumed they would.
3. Legal restrictions. Holistic health practitioners are
legally restricted from making a diagnosis in many US
states. Western medical doctors consider this their sole
responsibility, and they are very fearful of allowing
people who are not trained in Western medicine to make
declarations about diseases and syndromes.
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I don’t need to see controlled studies to prove that Chinese
medicine works. All I need to see if that a nation of billions of
people rely on it and have used it for a long, long time. What
controlled study could come close to that assurance?
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The Holistic Health Practices
There is no way I could document all the holistic health
practices in one book – too many!! However, I will attempt to
list the most popular practices in North America and give you
enough information for you to decide whether it might be worth
trying.
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Holistic Practices
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Diagnostic Techniques
Practice Short Description Find More Here
applied using muscle strength to http://www.kinesiology.net/kinesiology.asp
kinesiology determine sensitivities to
substances and emotions
Chinese pulse using the characteristics of a http://www.chinesemedicinesampler.com/diagnostic_met
diagnosis person’s pulse to determine hods__pulse_diagno.htm
health issues
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Energy Work
Practice Short Description Find More Here
acupressure pressing fingers on the body http://health.yahoo.com/health/
at certain points to restore the alternative_medicine/alternative_therapies/Acupressure/
flow of energy (“chi”)
through the body
acupuncture use of small needles in the www.acupuncture.com
skin to restore the flow of
energy (“chi”) through the
body
amplified using prayer to heal self and www.amplifiedprayer.com
prayer therapy others heal
Bach flower taking the essences of specific www.bachcentre.com
essences flowers to help with a wide
variety of emotional issues
Bowen using hands and fingers on www.boweninfo.com
Technique the skin to harmonize
vibrational energy
color therapy viewing colors to resolve www.healing.about.com/od/colortherapy/
physical and emotional issues
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Movement Arts
Practice Short Description Find More Here
aikido gentle martial art used for www.aikidoschool.org/What%20is%20Aikido.html
self-defense and personal
growth
chi gong Chinese energy system www.nqa.org/qigong.html
including martial arts,
meditation and energy work
dance therapy using dance to improve www.adta.org
flexibility and mood
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Physical
Practice Short Description Find More Here
apitherapy using bee stings to help heal www.apitherapy.org/
problems like arthritis and
nerve damage
Bates Method exercises for increasing www.seeing.org
vision without glasses or
contacts
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Structural
Practice Short Description Find More Here
Alexander teaching a person new ways www.alexandertechnique.com/
Technique to sit and move in ways to
improve breathing, speech
and overall well-being
chiropractic high velocity manipulations http://www.chiroweb.com/find/whatis.html
to the spine and neck to
restore overall healing
cranial gentle manipulations of the www.osteopathonline.com/cranial.htm
osteopathy bones of the skull to restore a
person’s healing system
craniosacral gentle touch at the back of the www.craniosacral.com
skull and the bottom of the
spine to enhance overall well-
being, often resulting in
emotional releases during
therapy
Feldenkrais deepening a person’s http://www.feldenkrais.com/method/index.html
Method awareness of movement to
improve posture and healing
Hellerwork realigning the body to www.hellerwork.com
increase mobility and overall
well-being
McTimoney a gentler form of chiropractic www.mctimoney-chiropractic.org/mca.htm
chiropractic
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Naturopathic System
In a naturopathic system, your first line of defense is a
naturopathic doctor.
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Ayurvedic System
Your first line of defense in the ayurvedic system is an
ayurvedic doctor, trained in India or even in American
ayurvedic schools, like Deepak Chopra’s Center in California.
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Structural System
In a structural system, your first line of defense will be an
osteopathic doctor or a chiropractor. Some massage therapists
are knowledgeable enough to play this role for you as well.
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Energetic System
In an energetic system, your first line of defense will be a
medical intuitive. This is a person with psychic abilities who
can see physical, emotional and spiritual issues in a person and
can even sometimes suggest possible remedies.
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Western Medical System
Your first line of defense in the Western medical system is the
family MD.
I’ve already said most of what I can say about the Western
medical system and its pros and cons. The family MD will ably
refer you to any of a variety of specialists in the Western
medical realm.
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This seems to work well when the problem is limited to one of
those domains – strictly physical, strictly mental or strictly
spiritual.
“Do you feel like you’re in the right job, that you’re
really pursuing your true calling?”
Here are four questions you can ask the practitioner before you
book your first appointment:
The practitioner may also answer that they are not religious,
only “spiritual.” In the next section, I’ll explain the difference
between religion and spirituality.
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Spirituality means that each person must find their own
truth.
For many years, Western doctors tried to assert that the mind
and the body could be kept separate, and must be kept separate.
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But the Western medical community no longer clings to this
belief. And we shouldn’t either.
Where did this belief originate? It goes back to the 1600’s when
a philosopher named Rene Descartes struck a deal with the
Catholic church. Descartes had watched the Church persecute
his contemporaries Johannes Kepler and Galileo for creating
theories that went against Catholic beliefs. He wanted to avoid
their fates and so he approached the Church with a compromise.
He said that he would create theories that dealt only with the
physical anatomy, and he would studious avoid anything
dealing with the human spirit or the mind. These latter two
would be the exclusive realm of the Church. The Church was
agreeable with this and so Descartes’ negotiation was the
beginning of the line of thinking that separated body from mind
and spirit.
So, the problem was not the separation of religion and the
human body, so much as it was that the body was viewed as a
machine, which it is clearly not. There is nothing in the Bible
that states that the body is a machine. It was just Descartes’
“work-around” that he had to formulate because of the
restriction the Church put on him at that time. Can you blame
him?
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Step 7 – The Monthly Plan – Plan Each Month
of Wellness and Illness
Create a plan to support your family’s health financially. You’ll
need to show the money you put in, and then how it gets spent.
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You can see that the amounts shift around in the categories
from month-to-month. They might also shift from person to
person as required. The goal is not to exceed the monthly
budget amount, which the Jones family decided was $575 per
month. That amount adds up to $6,900. The Jones family would
likely have saved $9,000 per year using their high-deductible
health insurance policy, so that means they have an additional
$2,100 that could go into one of the following:
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Step 8 – Save the Rest – Make Excess Savings
Serve You
If you’ve been adding up the costs of the HSA, HOTG
ACCOUNT and discount card, you will realize we haven’t used
up our savings yet. Remember, we saved thousands of dollars
by switching to a high-deductible plan. What shall we do with
the rest of this bounty?
The excess money cannot keep going into the HSA. The IRS
limits the amount you may deposit into the HSA each year, just
as they limit IRA contributions.
You could easily put the excess into your HOTG ACCOUNT,
because there are no limitations there at all. This is a wonderful
idea. You can keep funding this account and drawing from it as
you use holistic health services. The money may roll over from
year to year, continuing to grow with interest. And your health
will continue to improve if you are choosing your health
services wisely. There is really no limit to how healthy you and
your family can become, and it’s worth thinking about how
much money you want to invest into that worthy goal.
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decisions. If you decide later to make changes to the
allocations, you will be able to do so easily, so don’t wallow in
indecision worrying about the “right way.” Make a decision
quickly and then allow yourself to change it later.
If you are playing the role of financial planner yourself, you can
create the limits and allocations yourself using a computer
spreadsheet and maintaining it monthly.
1. Make sure your HSA is fully funded. When you use the
funds in the HSA, you’ll need to replenish them the next
year up to the maximum allowed by the IRS. Use your
excess for this first, because the HSA grows tax-deferred.
2. Fund your HOTG ACCOUNT. If you intend to use
holistic health services in your monthly plan, you can
keep putting more money into this account until you feel
it will last the year.
3. After those funds are set, you can begin to divert the
money into savings. You may have short-term savings
goals, like a new car, Christmas presents for the kids,
vacations, home improvements, or other things. Or you
may decide to put the excess savings into a retirement
fund for your family. You must check with a qualified
financial planner to make the best choices for retirement
savings. Even if you are already saving for your
retirement, this might be a welcome additional amount of
money to help you live a full life after retirement.
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4. When you’re taking that vacation, earned through your
savings on health insurance, please send me a postcard!!
(Daryl Kulak, 52 Westerville Square, #152, Westerville
OH 43081)
Think long and hard about what you want to do with the excess
savings. If you don’t, the excess will get swept away in the day-
to-day spending of American life. You’ll never notice the
difference, and that would be sad. If you were paying the big
premiums before, and now you’re not, it is very easy just to
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switch where that money goes instead of letting it slip into the
petty cash fund.
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Step 9 – Review Once a Year – Change Your
Plan to Match Your Life
Your family will have lots of opinions on this new plan. Listen
to each family member’s concerns and try to address them in
the plan. If you’re using a financial planner, get their help. Get
ideas from your family practitioner, and other people you know
who have switched to a Health Off The Grid plan or something
similar to it.
Yearly Themes
You may want to establish a theme for each year. For
instance, this year might be “lose weight.” The whole family
works on ways to lose excess baggage through yoga classes,
fitness training, seeing a nutritionist, etc. Next year, the theme
is “learn to relax.” Now the family turns to aromatherapy,
massage, meditation and other methods of relaxation training.
In the third year, the family might choose “save money,”
meaning that their common goal is to use fewer services and
stash the money away for a financial goal (vacation, college
fund, etc.). This doesn’t mean that every holistic health service
the family uses has to fit the theme, but that there’s an overall
plan to try to accomplish the stated goal, and the family is
always thinking about ways to do it with the money in the
HOTG ACCOUNT.
Sit down with your family and review the monthly spending
plan and get opinions on the family practitioner and the
allocation of money for healthcare, both the HSA and the
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HOTG ACCOUNT. Fix the weaknesses in the plan and move
forward into the new year.
• Lose weight
• Learn to relax
• Save money
• Have fun
• Get strong
• Focus on beauty
• Explore new therapies
• Get flexible
• Focus on the mind
• Focus on the body
• Focus on the spirit
• Recover from cancer
• Focus on sound and light therapies
• Focus on the spine
• Breathe
• Better vision
• Better hearing
• (you can imagine many more…)
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A Word to Holistic Health Practitioners
As a holistic practitioner, you may have found much to like
about this book. You probably use holistic therapies yourself,
and you also are probably self-employed. The insurance
strategies in this book will make a lot of sense for you.
First, you can just tell them the Website where they can
purchase this book. That Website is:
www.healthoffthegrid.com
Second, when your clients complain that you are not covered by
their insurance, tell them about this book. I may be able to help
them think of health insurance in a vastly different way, and
this will help them change their lives and use your services
more.
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Conclusions
I believe that the time for Health Insurance Off the Grid has
come. We have so many problems with Western medicine and
health insurance in America that we need to find solutions that
we can use NOW that will lower our expenses and allow us to
use preventive medicine that we know works.
Thank you for buying this book and reading it. I hope it has
enriched your life. You may contact me anytime:
Daryl Kulak
President, Simplicity Institute
52 Westerville Square, #152
Westerville OH 43081
office: (614) 306 3477
e-mail: daryl@simplicity-institute.com
Website: www.simplicity-institute.com
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Appendix A – References
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very clearly illustrated in words and pictures, and there are
exercises at the end of each chapter. ****
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Leonard, George & Murphy, Michael, The Life We are Given
– A Long-Term Program for Realizing the Potential of Body,
Mind, Heart and Soul (Tarcher, 1995)
- A book by the co-founders of the Esalen Institute in
California. They have created a set of practices that they’ve
borrowed from various ancient traditions that, if practiced every
day, can create transformation in a person’s life. The practice is
called Integral Transformative Practice (ITP). *****
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- A resource book state-by-state of places to find funding for
chronically ill patients. **
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Rognehaugh, Richard, The Managed Health Care Dictionary
(Aspen, 1998)
- Two hundred and sixty-one pages of acronyms and obscure
terms explained in an easy-to-read way. **
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Shealy, C. Norman, The Complete Illustrated Encyclopedia of
Alternative Healing Therapies (Element Books, 1999)
- If Norman Shealy edits or writes something, you know it will
be the highest quality. As with the other encyclopedia-type
books, this oversize text has a section on which modalities will
help with which conditions (which is not holistic, in my
opinion, because a book cannot treat the “whole person” in their
entire situation). However, it also has a large section on various
modalities and what they’re like: Trager work, Alexander
Technique, chiropractic, ayurveda, acupuncture, etc. The
photography and illustration is very beautiful and relevant
throughout the book. Although the list of modalities is far from
comprehensive (but what book could be?) the detail and
vividness of the photos of each therapy will give a prospective
patient a great insight into the practice. *****
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I’ve included a set of monthly plan templates that you can make
copies of and use.
Put the month and year in the blank at the top of the page.
Do one for each month of the upcoming year. Review at the end
of the year and do another twelve plan pages.
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EXAMPLE
Cindy Healthnut - Month of February 2005
Practice Cost
Cindy
family practitioner visits none this month $0
If this is an average month for Cindy, she will spend $5,160 a year on
holistic services. She saved $6,000 on her health insurance premiums by
moving to high-deductible, so she is saving $840 a year by using this plan.
On the months when she has her family practitioner visit, she does not get
her regular massages that month, because then she’d be overbudget.
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Practice Cost
_______________
family practitioner visits
massage therapy
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EXAMPLE
Fred and Pat - Month of November 2006
Fred and Pat, the happy couple, spent $415 on holistic services this month.
If this is a typical month, they’ll spend $4,980 a year. They saved $5,000,
so they wanted to stay within that amount for their yearly spending on
holistic services. They spend almost exactly what they would have if they
used a low-deductible policy, however they get to do the meditation
classes and aromatherapy they’ve always wanted to use regularly. They’ve
completely forgotten the question “Does my insurance cover it?” Now,
they don’t care. It’s in the budget.
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massage therapy
TOTAL MONTHLY
BUDGET
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EXAMPLE
The Pearce Family - Month of July 2007
herbs and vitamins refill $20 refill $20 refill $20 $60
vitamins vitamins vitamins
meditation, yoga, none none none $0
tai chi classes
personal training, none none gym $25 $25
gym membership member
$300/yr
TOTAL $205
MONTHLY
BUDGET
The Pearce family has one focus – saving for college! They wanted to
change their health insurance to be able to focus on saving money. They
use a naturopathic doctor as their first line of defense, but they try to keep
their costs down in all areas. Since they saved $9,000 by moving to a
high-deductible policy, they are able to put a savings of $6,540 into the
bank every year, giving them a total of $99,705 for Junior’s college costs
in 10 years when he leaves high school. They had no idea that their
college fund would come from their health insurance, but it did!!
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meditation, yoga,
tai chi classes
personal training,
gym membership
books, tapes,
Internet
subscriptions about
health
TOTAL
MONTHLY
BUDGET
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About the Author
www.simplicity-institute.com
www.healthoffthegrid.com
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