institute of islamic banking and insurance london

institute of islamic banking and insurance london
Many of us, particularly those who get their healthcare 'free' from an employer, take it for granted that the best coverage is the coverage that offers the closest to" "first dollar" coverage, where we pay as little out -of-pocket as possible for our basic, non-hospitalized care. But is the 'best coverage' really better for you? This insurance guide will present some views of health insurance (and health) that you may not get elsewhere, to informal help your own personal answer that question.

As you can see your insurance: The merchant has all the cards and the rules
Whether you are for your own insurance entirely by itself, or if your employer covers you, there are strategies to get healthier and save money at the same time, but you need to know themselves and the system to ensure maximum benefit from them .

We have a number of options for insurance, non-out-of-Pocket (NOOP), first-dollar (no deductible), no CO-pay (your doctor visits, 100% after your deductible) coverage of all kinds catastrophic insurance, which only costs more than $ 3,000, 5,000 or even 10,000 are. If we NOOP coverage, or near, we have the illusion that "they" are paying the bill. But without the thousands who "they" of us or our employers, (also known as "we", because it ultimately reduces our paychecks), "they" would not be able, this "generous" benefits. If you opt for higher deductibles and co-pays, many employers have a bigger Paycheck or less for the insurance.

The bottom line first. Your insurance company is NOT quite your friend, whatever their promotional literature and big-bucks advertising indicates. They are a company whose primary reason for the profit is. This is not to say that there is something wrong with profit, it's just important to remember they are in the business for the benefit of their shareholders first.

Even if the system works smoothly, we must not forget who invented the game that we play. The contracts that we sign with teams of lawyers for the insurance company, not us. They make the rules and have the power to decide how to follow them. If our demands, we have something denied recourse outside beg and ask for your contract. The laws, which the insurance industry, for the most part, by the legislature with the help of lobbyists for the insurance companies and large donations to the legislators.

Insurance must be in more than they paid, or they would not be in business. Even before its CEO will be dozens or hundreds of millions (including 1.7 billion, in the case of William W. McGuire of United Healthcare) and other benefits are doled out to shareholders, about 1 / 3 of what we pay she goes to administrative costs.

In many states, insurance companies, you can even cancel or increase your premium if you become ill. As in Las Vegas, the house you can not be beaten. Is that a Family 4 generously them 10-14,000 per year, we spend a lot to faceless companies for which our interests are not their primary goal.

Insurance relationship with your doctor

I heard a report of an insurance company has the goal of reducing by 10% per year, which it pays off for chiropractic care. Even though this is not true, insurance companies will have on patients and doctors about what they have coverage, (they call it "" Oh sorry, I did wrong, that ' "), lost claims, are not repeated assessments in cash back - the term for what she called "false statements, in which the doctor is guilty until they can prove their innocence. drugs and surgery, with little question for most measures, exercise, dietary supplements and therapies such as chiropractic, acupuncture Rolfing and, just to name a few, the work naturally to restore the normal function are less, if at all. practitioners of all kinds, which may do innovative work are usually removed, since fewer personal care is the norm, because more time and paperwork and pressure of the final refusal of everything that is not "by the book."

Insurance bury all kinds of health care under a mountain of regulations and bureaucracy. Each company has different requirements, and it was estimated that up to 1 / 3 of the physician and staff time (read: money) is responsible for the paperwork for insurance.

Quote from a pharmacist, I know, the only ones who are satisfied with their insurance are those who are not sick. ""

Our relationship to them, no-out-of-pocket coverage tempts us against our own interests.

If someone else paid the bill we tend to our personal initiative and decision. I work as a chiropractor and acupuncture in a facility with several doctors, the patient for chiropractic. Chiropractor, with little weight in the group to be at the hip end of the insurance business, we paid by insurance only as a afterthought by many measures, if any, and regularly claims denied or reduced for little or no reason. Many times, where I worked, patients would be in to see the doctor, it would be me, but the insurance would not cover my services. Most of these patients do not come to see me. You actually have to stay healthy rather than pain to pay!

Even if we did not think the intention is that the insurance covers the largest part of our health herds us in respect of certain types of health care and some doctors, and un-natural way of thinking about health, sapping its own initiative and a sense of control and responsibility for our own health. We may (understandably) feel entitled to the free services that we have spent so much on, and understandably do not want to take any more out of our pockets. Psychologically, it's hard to resist the feeling that we have a warranty on our lives when we are broken, we just get ourselves fixed. We are concerned, like a warranty on our cars computer.

In Part 2 of this article, we will examine how we best respond to the needs and goals of insurance and health care.

Dr. Robert Weiss field is a chiropractor in private practice in Denver, Co. in various medical fields since 1976, and certifications in acupuncture and neural therapy and kinesiology experience or training in nutrition, herbology, yoga, meditation and transpersonal psychology, Dr. Weiss Field has researched and developed new methods for understanding and healing. He uses a method NeurOntogenics TM. The nervous system is like a (Windows, not Mac), whose programs are loaded and resident in memory cause the computer to slow down and even if you do not restart.

The nervous system generates, on-the-fly, muscular, mental, emotional and biochemical "Programs" to the tensions of life and injuries. This adaptive or compensatory programs, useful for the short term, may not be useful in other situations. Tthey still loaded, as they were and are a commonly overlooked cause of many of the physical and emotional pain we experience, and contribute to a more or less, the organ and glandular dysfunction.

NeurOntogenics-tm literally deletes outdated adaptive programs to "restart" (re) is of fundamental importance, particularly stress and trauma function. It specifically targets the areas that you want to restore to a "clean boot" of the harmonious operation. Of muscle testing, is a natural, usually a quick and painless treatments to restore normal function by deleting unnecessary functions. When the function is restored, dysfunction, pain and tension of a physical, mental or emotional realm of life may disappear immediately, as the driving force (learned patterns of adaptation) was abolished.

You can find out more about how this works from the perspective of the brain, and how it can help in various conditions at http://NeurOntogenics.com