Why I Donít Want
Health Care Insurance
The following information is comprised of the opinions and
experiences of the author, who is not a medical professional.
Although conscience forbids advising medical treatment as
decreed by such organizations as the FDA and the AMA, the powers that
be forbid any advise against use of the so-called health care system
in the United States of America.
The Affordable Care
Act, also know as Obamacare, is requiring everyone to have so-called
healthcare insurance, or pay a fine.
Fortunatley I am old enough to be on Medicare, not that I have
any intention of using it, but I am not forced to purchase insurance
or pay a fine. The law seems to think that what the AMA and the FDA approve of
should be mandatory for everyone.
I disagree. What
they call health care insurance I call medical treatment payment
coverage. It doesnít care for your health.
Instead it treats symptoms of health problems and runs tests to
find numbers to justify so-called preventative drugs and surgical
procedures. I will pass
on that system.
I am 69 years old and I
havenít had this type of insurance for most of my life.
It has been a blessing because I have learned that I donít
need it. In fact, the
more I learn about our so-called health care system the less I want
anything to do with it. There
are alternatives that are usually more natural, safer and much less
expensive but are not FDA and AMA approved and are not covered by
As with most political things the
so-called health care industry has more to do with money than anything
else. One reason our
so-called health care system is so expensive is that there are too
many fingers in the pie. If
you go to see a doctor you have to pay for his time, his office
expenses, his staff, his malpractice insurance, the operating expenses
and profit for insurance companies, overhead for Medicare and Medicaid
programs, the corruption involved in both private and government
insurance, agencies to try to fight the corruption and who knows what
other hidden factions are involved.
If you only had to pay for the doctorís services it would
probably cost about what you pay as the co-pay required by the
insurance company involved, whether it is private or government.
Also, you pay the insurance premiums to private companies or
taxes for government programs. You
may think that the insurance pays your medical expenses, but in the
end you pay, and you pay a much higher price because you are paying
for so much more than the doctor visit.
A chiropractor once told me of his
experience when insurance companies first started accepting
chiropractic care. At the time he was charging $3 for a typical visit.
The insurance company said he would have to charge $5 in order
to accept insurance patients. That is an increase of two thirds, or 66.7%.
He said the insurance companies make their money as a
percentage of the charge. The
incentive for the insurance company is not to reduce the cost of
health care, but to make it higher.
This was at a time when malpractice wasnít nearly what it is
today, and neither was insurance and Medicare fraud.
Estimates today are that 20 billion dollars a year are lost in
Medicare fraud alone. We
are paying for that fraud in higher taxes.
If it werenít for the involvement of insurance companies,
government bureaucracies and lawyers a visit to the doctor would cost
a fraction of what it costs today.
When I was a child I recall that
we had Hospitalization insurance to help with large hospital expenses.
Back then doctors made house calls, and if we called a doctor or went
to his office, we paid him a reasonable fee.
We didnít run to the doctor every time someone cut a finger
or had the sniffles like people do today.
Hospitalization insurance was closer to the ideal of the whole
concept of insurance, which is to spread the risk of large hospital
bills over large groups of people.
Not everyone was going to be hospitalized all the time, but if
everyone paid a little all the time, when someone did go to the
hospital the pool of insurance money would help pay the bill.
Now, a visit to the doctorís office (they donít make house
calls anymore) is like being hospitalized was when I was a child.
Aside from the outrageous costs of
our so-called health care system there is the question of safety and
effectiveness. Is it safe
to go to the doctor or to the hospital?
Is it safe to take the drugs prescribed, or the over the
counter drugs associated with medical treatment?
Does putting our trust in doctors, hospitals and drugs really
cure our diseases and keep us healthy?
It may for some people, but as for me, no thank you.
I do not trust the system.
Doctors and hospitals have their place.
If I were injured in an accident I would hesitantly trust a
doctor to set my bones and sew me back together.
I might even allow some painkiller or other emergency drug.
However, if I succumbed to some major illness (which, for
reasons that will be explained, is not very likely) I would look
elsewhere. I do not trust
that most FDA/AMA approved treatments for illness are either safe or
Depending on whose data you look
at, doctors, hospitals and prescription drugs kill from 250,000 to
1,000,000 people in the United States every year.
They even have a term for it - iatrogenic causes. Some are accidental, but many are because the approved drugs
and treatments are just not safe for all people.
Recently (2013) a retired nurse told me that about 85% of their hospital admissions
were iatrogens. There is a book that goes into greater detail titled
by Medicine" By Gary Null, PhD;
Carolyn Dean MD, ND; Martin Feldman, MD; Debora Rasio, MD; and Dorothy
The general perspective of our system, to me, is inside out,
upside down and backwards. For
example, if someone has a cancer growth somewhere in the body one of
the main treatments is chemotherapy, or chemical therapy.
They give the patient an extremely toxic chemical to kill the
unnatural growth. By the
way, it also attacks the rest of the body.
The patient becomes weak and frail, and their hair falls out.
This reminds me of how the medical system at the birth of our
country killed our first president, George Washington.
When George Washington was ill
they put leaches on him to supposedly draw out the cause of his
they drew out so much blood that it killed him.
Today we give chemotherapy and/or radiation to cancer patients to kill the
cancer and often wind up killing the rest of the body as well.
Oh, what progress we have made in 200 plus years.
We have some wonderful technology to help us understand how the
body works, but we still resort to foolish treatments like chemo.
Philosophically there are two ways
to look at how to treat an illness.
To understand this letís pretend to draw a line in the sand.
On one side of the line is good health; on the other side is
disease. At any given
time the bodies health condition is on one side of that line, or the
other. When it drifts down to the disease side of the line and
succumbs to cancer, diabetes or some other major illness there are two
options. One is to beat
up on the illness and the other is to work towards getting back to the
other side of that line in the sand.
Chemotherapy and radiation beat up on the illness, but also
beat up on the
rest of the body. Some of the ways to get back on the good health side of the
line include nutrition, homeopathic treatments, energy treatments,
attitude adjustments and even prayer.
Unfortunately the FDA has declared that only drugs can cure
disease so these methods are not approved.
I am so glad I donít have health care insurance.
Ben Franklin said that an ounce of
prevention is worth a pound of cure, and how true that is when it
comes to good health. If
I were a doctor I would give patients a roll of litmus paper and tell
them to check their pH level regularly.
Why? Because you
are much less likely to succumb to major
illnesses like cancer and diabetes when your pH is alkaline. I would tell
patients that if their pH dropped below 6.0 to start pigging out on
foods that make the body more alkaline, like tomatoes, and other
fruits and vegetables. The
best way to treat major illness is to not get it in the first place.
It seems to me that if the AMA and the FDA really cared about peopleís health they would make litmus paper mandatory, not
so-called health care insurance.
you watch the evening news on just about any channel of your TV you are
likely to see several commercials for prescription drugs.
Most of them also include a disclaimer about the possible side
effects of the drugs, and some of the side effects are as bad or worse
than the condition they want you to take the drug to alleviate.
If you look up just about any drug in the Physicians Desk
Reference you will find a list of possible negative side effects.
Yet doctors prescribe these drugs, often without telling
patients about these dangers. I just donít want to play in that
One recent push on these
commercials is aimed at women, claiming they are at risk for heart
attack and should see their doctor.
By the way, these commercials also suggest that women might
take an aspirin every day. I
wonder if any aspirin manufacturer had anything to do with this
I recently heard from a scientist
who has isolated part of a natural product that causes the bone marrow
to release about 30% more adult stem cells into the blood stream and
helps direct them to where the body needs them most.
He told the group that he was offered the opportunity for his
product to be put into the media as news in a similar way that the
aspirin a day ďnewsĒ piece is being promoted.
Of course there is a price for this service of about 3 million
Our FDA / AMA approved health care
system is so corrupt, so expensive and so dangerous that I donít want anything to do with it.
I will stick with alternatives like prayer, diet, exercise and
rest along with more natural alternative health care and maintenance
systems that are not approved by the powers that be.
I donít have health care insurance, I donít want it, and if
I had it I probably wouldnít use it.