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My (really fun, not) experience with Healthcare.gov

2/14/2015

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I thought I would just see what policies were out there, plus the Feb 15th deadline was ominous.  Website seemed professional, asking one question at a time, and many redundant questions, like are you the mother/guardian of child 1, is child 1 living with you full time, is male living at the residence father/guardian of child 1, is male living at residence husband/father of you, is child 1 in school full time, and living at residence full time going to school, omg,  site crashed 5 times, and had to re enter everything again.  Took a week to finish application, entering social security numbers multiple times, but it knew who I was, knew what car I drove, where I lived 20 years ago.  Scary.  It said I am responsible for child 2 till he is 26, however I cannot use him as a deduction on my taxes since he pays his own way in college, with a part time job, Grandpa money, and student loan. He works for a grocery store and has insurance with them.  Site asks if the insurance he has meets minimum requirements, like doctor visits, drug plan, etc. Wants ME to prove to THEM it meets these. 
 
Finally site says we do not qualify for medicaid (surprise) since we are both self employed we make too much money gross, (you may build 100k worth of fence a year, but 70k of it was materials to build those fences, but they say you made 100k), 17 year old son doesn’t qualify for CHIPS for same reason, and we are too young for Medicare.  We qualify for 617$ per person healthcare assistance. 
 
 OK, lets look at plans.  4 levels of plans, bronze, gold, silver, etc. Lets look at cheapest.  Bronze, says it covers 60% of costs.  Its with Blue Cross/Blue Shield, good company.  Cost is 200 and change, down from 800 and change, that’s 617 difference, theres the gov assistance.  Doesn’t say if that’s per month, per year, per person.  So look at details of the plan, its 1207 deductible per person per year, 12700 per person max per year.  Click on more details...covers doctor visits and drug plan after the minimum deductible has been met of 1270 per person per year.  Now didn’t they say the minimum requirements for my sons grocery store insurance should cover these things?  So it pops up with a CHat box, “do you want to chat with a representative?”, absolutly.   Wait and wait, then “all representative are busy right now, email your question and we will get back to you”.  My question was is this price “200” a monthly or yearly charge, is this price x3 for the 3 of us, and is there a up front plan membership fee and what is it.”  A week goes by no response. 
 
 Now Im getting healthcare.gov emails daily with veiled threats that the assistance will go away after the deadline date.  So I go back to bronze policies, look again at Blue cross, it says again that it covers only after deductible is met, and only at hospitals and doctors “within network”.  Uh oh.  Look up doctors within 25 miles, none, ok, widen the search 50 miles, none, yikes, widen to 200 miles, still none.  Blue Cross not going to work.  Next down is Scott and White, local, this is good.  Its 254 cost, per month per year per person, still I don’t know.  It has same deductible perameters, 1270 and 12700 max.  It covers 60 toward doctor visits, now wait when I pay cash at the doctor I negotiate with him for only 75 per visit. So im only saving 15$?  OMG.  Try to find what this policy actually covers, very vague. Im done, Frustration has reached its max.
 
Now if I took this 200 a month and put it into an account, in a year Id have 2400 to spend at what ever doctor I want, and could pay cash.  Doctors are more than happy to accept payment TODAY and will cut prices from 10-50%.  Earl cut his hand, about 1.5 inch cut, and we went to minor emergency.  The asked for insurance, and we said we didn’t have any, they kind of gave us the look, poor people are pathetic.   We said we are paying cash, what deal can we make for you to be paid today.  It went from 1290 to 680$.  That’s almost 50% discount. If Obamacare would allow for this kind of medical account instead of insurance companies who are making it rich, and dictating which doctors, which procedures, which hospitals we use, giving us the power to negotiate, to say I don’t want that drug or test or procedure, just so you can bill the insurance.  We are pretty healthy people, we eat well, we take herbs and vitamins to keep up our immune systems, we exercise, this is how we choose to take control of our health, not drugs and doctors.  The people who come into my store tell me horror stories about hospitals, and the many procedures they do, and drugs they push on you, and doctors that poke their head in the door to ask how youre doing and bill you for a “visit”. 
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H2O2 therapy

9/4/2014

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Started hydrogen peroxide therapy Sunday, about 5 days ago.  Smallest dose, couldnt even taste the difference.  No problem drinking 32 oz of rainwater with .5 tsp 12% food grade hydrogen peroxide, plus a half dropper of 500ppm colloidal silver, per the www.drinkh2o2.com website.  Said CS bumps up the usefullness of the peroxide.  

I almost craved the peroxide water, wanted more than the recommended 32oz.  Next day doubled the amount to 1tsp per 32 oz.  Noticed a lightness in the chest, like easier to breathe and heart calmer.  By wednesday, 3 days in, I am a little irritable.  Harder to get through my walk, not difficult, its just I felt like it was a chore to do it, like my mind wouldnt go to its happy walking place.  Today, feel same way, irritable.  Going back to smaller dose.  Maybe my body has some issues its working through with the oxygen.  I had a bit of trouble getting to sleep, couldnt relax, took magnesium and went to sleep, but awoke at 2am, same thing.  Little headachy.  
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New stuff

6/19/2014

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I see my sciatica post, and I have to comment on how it all went.  I find that my sciatica was caused first by my hips out of alignment, then by constipation.  It seems if I have a urinary tract infection on its way, or I get constipated, that flares up the sciatica.  Makes sense because thats all in that area.  

Earl had a bad burn on his back couple months ago.  He was out in the barn welding on a cold windy day, and backed his butt up to the propane heater and caught his shirt on fire.  He dropped and rolled, and threw off his carhart jacket, ran in the house.  I was still home thankfully, and made up some lavender oil, aloe vera, and some colloidal silver in a spray bottle.  He instantly calmed down, lavender oil.  Also lavender oil if put on a oven burn will not even blister, its so great for any burns.  I asked him where his coat was, he said in the barn, i asked if it was on fire, he said he didnt know.  Went out there and the carhart jacket was still ablaze, but in a good spot where it didnt burn the barn down.  We were SO lucky this day, for so many reasons.  He went out to finish his job, he wasnt in any pain.  So when he finished, his shirt was stuck to his back, and this was the point where we decided we needed to go shirtless for the next few weeks or find another way for his back to heal and keep a shirt on.  Plastic wrap!  Evidently its used in EMS trucks for just this purpose too, since its relatively sterile, keeps air off wounds, and keeps the skin moist.  So for the next 6 weeks or so we wrapped him like a burrito in suran wrap, and colloidal silver gel.  There were other things too, but the majority was CS gel.  He is fine today, cost us about 300 in guaze, ointments, and 1200 ft of plastic wrap.  He knows better now when it comes to the propane burners.  
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Uploaded newspaper articles

11/5/2012

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Well its been awhile, and no excuses, well a few.  Its been a long weekend, with the time change, and Wade had a regional track meet in San Antonio.  The boys didnt even place, Wade got 78th place, but there were hundreds of kids in the 2A div.  The girls however got 5th, 8th, and 9th fastest times, and won by one point the team trophy.  They will go to state I think next weekend in Austin.  Weather is beautiful.  Cool, leaves are starting to change.  Hurricane Sandy did major damage to the east coast.  Getting my Dads estate handled its been 2 years and still no forward motion.  Hope the election is a good one tomorrow.  Tired of the facebook jokes and stabs.  Moving on.  Have a great day.
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Updated new carpets for sale

9/7/2012

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First Post!

9/7/2011

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I get a wide array of very interesting people in my store, and they astound me with tales of how they were messed up, mis-treated, or not listened to by doctors.  They tell me of books theyve read or health shows on tv or radio theyve listened to, and old folk remedies they have tried.  I will try to post a few of them on occassion. 

The lastest one, and Im doing this myself.  Its cheap and safe, and cant hurt, you cant always say that about anything anymore.  Lady told me how sick she was, in fact in the hospital she thought to die.  She had heart racing, foggy brain, and zero energy.  They of course wanted to put her on all the normal stuff doctors want heart patients on, she said no.  She went home to read a book on changing your diet to "live" foods which are full of enzymes and help your body to heal.  It mentioned a  cleansing agent called diatomateous earth.  THis is the shell of the diatom, which usually grows in the sea, and floats to the sea floor.  You may have used it for killing garden pests, since it is supposed to cut the shells of beatles.  Food grade only is used, and its relativly tasteless.  Internet shows no adverse reactions, and shows a amplified picture of it, its cylindrical shaped, basket like, so as it goes thru the body it collects fungus, yeast, and debris,  Dont know if it absorbs thru the intestinal wall, this lady thought so, to clean her arteries.  BUt her foggy brain was gone in a week, her cholestterol was down to normal, her skin looked radiant.  I have heard it helps pass the long ropey stuff you see in pictures of people who colon cleanse.  My friend thinks she feels slightly euphoric.  I add it to smoothies, Ive even used only water.  Its has a high silica content, which is what bones, nails, hair are made of, it helps joints also.  Half a pound is only $5, come get some. 
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Sciatica

4/18/2011

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Suffering with sciatica on the right side down my leg to front of knee.  Been to chiropractor, says my sacrum is twisted.  Felt better for a few hours then back to pain.  This kind of pain is so intense like a pair of scissors is being jammed into your back.  And very inflammed.  I am lucky cuz I can lay down, and sit with no pain.  Need to do some accupressure sometimes to calm it down.  I have used several things trying to ease the pain.  NSAIDS do nothing.  However its gotta be taken for the anti inflammatory effect.  Natures Fresh sprayed directly on the area helps alot,  NSP Triple Releaf helps also.  DMSO with arnica and st johns wort oil in it, not so much but I keep using it.  Chiropractor also said to ice 20 minutes on 40 minutes off.  This has actually helped the most.  Thank Directv for free HBO weekend. 
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    Owner and sole employee of Boot Hill Health Store. 

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