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Your Personal Health Insurance Policy
|Chiropractic Care and Your Personal Health Insurance Policy
When we talk about lifestyle and good health, we usually only consider exercise and nutrition. A third area - rewarding and fulfilling relationships and interests - may be added as an afterthought. But a fourth area - chiropractic care - is in fact the key to gaining the benefits from all the other lifestyle areas and activities.
Chiropractic care focuses on how your body is doing its job. This "job" is to link harmoniously all the various separate physiological activities - to make sure all your body's systems are working well together. The responsibility for this harmony lies with the nerve system, the master system that ties together the functioning of your heart and lungs, your stomach and other digestive organs, your endocrine system, and your immune system. By identifying and correcting misalignments in the spinal column, chiropractic care helps ensure that your nerve system is functioning optimally. When your nerve system is doing its job, the rest of your body has the opportunity to produce the maximum health available. As a result, chiropractic care helps you get the most out of all your other activities and helps you gain and retain good health.
Everyone is aware of the extremely high cost of most health care services. These costs can be measured not only in cash outlays, but also in time spent at a doctor's office. Waiting times can often be an hour or more for a comprehensive physical examination at a family physician's or internist's office. If you have a problem that requires same-day attention, the waiting time at a local hospital emergency room is open-ended and can easily range into several hours or more.
Those fortunate enough to have health insurance are able to buffer some of the monetary expenses. But even with an individual or family health insurance policy, annual out-of-pocket costs continue to rise steeply as monthly premiums, co-payments, and deductibles increase substantially year-over-year. For example, during the past five years monthly premiums for many policies have increased 15% or more annually. This means that monthly payments in 2013 would be approximately double those paid in 2008. Twice the cost for the same coverage. That's a tough situation. Of course, the fees don't stop at the monthly premium. Many policies have deductibles in the range of $5000 or more.
It is now well-established that lifestyle matters greatly to one's long-term health and well-being.1,2 Numerous studies have shown that one in three Americans have one or more chronic diseases - diabetes, heart disease, and cancer. The personal and family costs, the financial costs, and the costs to society of chronic disease are high. By establishing habits of good nutrition, regular vigorous exercise, and rewarding relationships and activities, we help prevent these major health problems.3 By engaging in healthy lifestyles, we are taking action that will reap many rewards for ourselves and our families down the years.