Elevate Chiropractic
Give the gift of Wellness!
The culmination of the holiday season will soon be upon us! I don’t know about you, but personally not only have I not finished my shopping, but I don’t know what to get everyone! As I sat contemplating how to tackle my list I realized that some of you might be in the same position.
All of the people on my list already have the gift of chiropractic in their lives. But I’m betting each of you have someone on your list who you know could benefit from chiropractic. (This is actually somewhat of a trick statement if you will, as virtually everyone can benefit from chiropractic)!
To make giving the gift of wellness easier for you we have gift certificates at each of our offices. Whether you want to treat your spouse, or help a friend truly live and not just survive, get them a gift certificate to come see myself or Dr. Charlie! Just stop in during office hours or give us a call and we can drop it in the mail to you!
Chiropractic Is For Kids
At Boehly Chiropractic, we strive to maximize health for your entire family. This includes the care of your little ones. Suitable for children of all ages, pediatric care is a safe and reliable choice for your child’s preventive, whole-person lifestyle.
What Do The Pediatric Studies Show?
In an ongoing study conducted by the International Chiropractic Pediatric Association, parents reported the following unexpected, beneficial outcomes as a result of their children’s care:
1. Marked improvements in sleep patterns
2. Improved concentration, attitude and focus
3. Stronger immune system resistance
When Should Pediatric Care Begin?
While your chiropractor will determine the unique needs of your child, maintenance of the human frame is a life-long process starting in childhood, at birth continuing into adulthood. Because children are active and develop quickly, the alignment of their spinal column is always evolving. From infancy we see developmental changes simply from the labor and delivery process.
What Types Of Concerns Does Pediatric Chiropractic Address?
Health concerns that many infants experience such as sleep disturbances, breathing difficulties, colic, earaches and other infections of the immune system, nursing difficulties and allergies are all related to nervous system stress. We continue to see early developmental changes involving the closing of the fontanel, an infant’s ability to raise and hold their heads up and the beginning stages of rolling, sitting and crawling.
We help your baby align as they grow and develop. Just as chiropractic care treats total adult wellness, the same benefits can be expected for our younger patients as well!
What Techniques Do You Use?
All chiropractic treatment is individually tailored to suit personal needs. We take great care in adjusting all patients, but special attention is paid when seeing our pediatric cases. We know that developing children are sensitive; our techniques are always safe and always gentle.
Ready to schedule your child’s visit- we look forward to hearing from you soon!
Nice pic Mike!
Financial Health Part 1
What does being well mean to you? Many times we look at health as relating only to the physical body, but it is important to take care of our mental, social and financial health too! Wellness encompasses all of these factors. So, I’m going to be discussing some aspects of your financial health. This is your first installment…timed to coincide with open enrollment! Topic to tackle today…your health insurance!
Really, Health Insurance?
I know…boring…yawn…who wants to talk about that? The fact of the matter is we interact with people every day who do not understand their policies or their options. Having a good understanding of these issues will save you money and keep your stress down, which raises your whole body health!
The High Deductible!
Today I am going to focus on the High Deductible Health Plan (HDHP). Most of us hear those words and start to cringe. “What do you mean I have to cover the first $2,000 of my expenses!?” What we don’t realize is that those plans typically have lower monthly premiums. So you pay more (initially) when you visit your health care team, but less per month for your policy. This might be anywhere from 35-50% less than a copay plan. Obviously it depends on how much you visit your health care team, but even if you meet your deductible you may still pay less annually than if you had a copay plan.
Here is an example. My first year out of school I had a copay plan. I paid an average of $300/month, for all of my health care expenses (copays, premiums, bought new glasses, etc.). If I had gone with the HDHP, even paying the full amount for doctor’s office visits, I would have only spent $200/month. So I basically gave my health insurance company an extra $1,200 just for fun that year.
“What if I get into a car accident? Then I’ll be in big trouble.”
NOT TRUE! That is what your car insurance is for. In fact, in most cases your regular health insurance policy will laugh at you if you try to get them to pay for injuries related to a motor vehicle accident.
“I have insurance but it doesn’t cover anything anyways.”
Also a misconception! Yes, you have to pay the full “allowed amount” as set by the fee schedule your health insurance company agrees upon with your doctors. Keep in mind, in most cases the health insurance company has negotiated a discount for themselves (we’ll call that the allowed amount). They will process your claim at that allowed amount, and THAT is what you will owe, not the amount your doctor billed. In most cases you are never responsible for the difference between the allowed amount and the billed amount. That is called balance billing and depending on your policy, doctor’s network status (in or out?) and maybe what state you are in, balance billing might be flat out illegal, or could be a violation of your doctor’s agreement with that health insurance company.
Case in point: I have a HDHP. At a doctor’s appointment earlier this year the bill was $750. After the claim was processed, I only owed $183 because that is what my health insurance company allowed for that visit. My doctor’s office then billed me $183 and that is what I paid. If I did not have my policy, I would have owed $750. So even though my policy did not cover any portion of the allowed amount, they essentially passed their discount onto me and I saved money.
Health Savings Account
The one thing I have not mentioned….the Health Savings Account! This goes hand and hand with a high deductible health plan. Check back next week to find out more….it is far too much information to put here! It is also incredibly important and deserves it’s own dedicated time.
This was written based on my experience and opinion. If you have any questions please do not hesitate to contact me! While my job title is chiropractor, I work for my patients and I am here to help you in any way I can. Don’t forget to ask your financial planners and HR department for help too!
Most importantly, you can never assign a dollar amount on the value of your health. Remember how important it is to eat right, sleep right, keep your stress down and get adjusted…especially heading into the holiday season!