Obamacare alternative | panaceachronicles

I’m not very good at Photoshop – but that is a closeup of an asshole where Daffy Don’s mouth used to be. Cheers!

One of the looming tragedies in America is what Daffy Don and his hate-filled followers are about to do to access to health care for poor people.

One part of the tragedy is that so many of the people who oppose Daffy Don’s attack on the poor wind up fighting for the right of poor people to have access to a failed medical system that can do nothing for them but hook them on the products of Pig Pharma without even beginning to treat or cure them of the killer diseases that afflict them.

But an even greater tragedy is that so many of the health conditions that plague poor people especially hard like Diabetes, Obesity, Heart Disease and Depression could be effective treated and cured by a few cups of Coca Leaf tea a day, resulting is far less need for health insurance, pharmaceuticals, or ER and doctor visits.

This isn’t a pipe dream, although it is a dream. I’ve been providing documentation for many years in this blog for the efficacy and safety of Coca Leaf in treating and potentially reversing and curing many of the diseases that maim and kill poor people in the US. I’ve even provided what I believe are cogent arguments for the use of Coca Leaf in treating diseases like Alzheimer’s that afflict and torture people without regard to their economic status.

The bottom line is that all of the hater’s arguments about the costs of ObamaCare could be undercut and rendered pointless if American’s simply had full legal access to Coca Leaf medicines, which they could brew up themselves on their kitchen stoves. I’ll bet that within a year or two of having cheap, daily access to Coca Leaf tea the need for “health care” would decrease so dramatically that even the most hate-filled of Daffy Don’s followers would have to admit that it’s a good idea.

In fact, I am quite sure that many of these obnoxious little Brown Shirts would be clandestinely sipping a few cups of Coca Leaf tea every day for their high blood pressure and sick hearts and who knows – they might even mellow out a bit.

Nah – that’s hoping for too much, and for the wrong people.

But those who are stunned by how this administration is turning the War On Poverty into the War On The Poor ought to get behind medical Coca Leaf with all the energy that they are now, quite rightfully, devoting to the cause of Medical Cannabis. That would take care of a huge part of the problems that poor people have with the so-called health care system in the US.

Do you drive a vehicle? Are you insured? If you are, then you have immediate access to up to $100,000 or sometimes more in incredibly cheap health insurance protection in your vehicle policy that most people don’t have because they simply aren’t aware that it’s available.

For example, I have $100,000 of this coverage for me and every member of my family and it costs me less than $50 a year on my car insurance policy. Everyone who drives or rides in an insured vehicle has this same simple, one-click access to this same level of coverage, but almost 100% of those people actually have only $5000 worth of coverage, not $100,000, because their insurance company isn’t going to tell them about it.

This coverage applies to all costs that I may incur as a result of an auto accident with injuries and a trip to the ER – something experienced by nearly 4 million Americans a year. Over 70% of ER visits as a result of vehicle accidents result in one or more expensive diagnostic tests like an MRI, and it isn’t uncommon for your hospital bill after an auto accident to exceed your health insurance coverage by $50,000 – $100,000.

Who goes to the ER as a result of vehicle trauma? The biggest groups are younger drivers – which means the people who typically have the lowest levels of health insurance coverage, as well as the least ability to pay medical bills that are not covered by whatever health insurance they do happen to have. Literally millions of families have been ruined financially because one of their young adult children has been seriously injured in a car wreck.

Which of these age groups are you in and, even more important if you are a parent, where is your child in this picture? If they are in the 0-15 age group, how many times a week are they in a car with someone else driving? If they are in the 16-24 age group, which has the highest rate of ER admissions from vehicular trauma, how many times a week do they drive, and how many times a week do they ride with someone else in the 16-24 age group driving?

Now take a look at the tests that are routinely administered to people taken to the ER as a result of vehicular trauma. Notice that far more tests are run by the ER for vehicular trama cases that for ALL OTHER kinds of ER admissions.

But even before that, what is your health insurance co-pay for the ambulance? How much is your co-pay for the ER? How much of the cost of the tests that the ER WILL RUN would your health insurance pay? If you are admitted to the hospital, when does your health insurance start paying for your daily charges? How much of the tests and medications you will receive does your insurance pay for? How much of your rehab costs are paid for? How much of your long-term care costs are paid for? How much of your lost wages are paid for? How much of your totaled vehicle does your insurance pay for?

And here’s the kicker. Under ObamaCare the healthiest part of our population, young people in their twenties and thirties, often don’t have health insurance at all because they feel they don’t need it, and yet people this age are the MOST likely to go to the ER for vehicle accident trauma. The secret I’m about to reveal will provide coverage even if a young person don’t have ANY health insurance.

Here is the secret, and it’s an open secret that your insurance company will NEVER reveal to you unless you know exactly what to ask for.

Every vehicle insurance policy issued in the US always has a provision that is usually labeled “Personal Injury Protection” or something very close to that. And every one of those policies ALWAYS has a default value of $5000 for the PIP. Furthermore, that coverage is almost always is the cheapest item in the list of coverages in your vehicle policy as part of your overall coverage.

But here’s the relevant part of the secret. You can raise that PIP amount in almost every case to $100,000 per person per accident for an increase in premium of a couple of bucks – in my case as I said it costs me @ $50 a year more to be insured for $100,000 rather than for the default value of $5000.

And all you have to do is to call your insurance company and ask what the upper limit is for PIP and what the increase in premium would be for that coverage. Then you decide. I think you’ll find that this coverage is a no-brainer.

But here’s the beauty of the PIP coverage – in all the states that I’m aware of this coverage is over and above any other medical/health insurance you have. In other words, if you are injured in a bad auto wreck and your hospital treatment and recovery costs up to $100,000 more than your existing health insurance will cover, or even if you don’t have ANY health insurance – you’re covered up to the limit by the PIP clause in your vehicle insurance policy.

Final hint – in addition to PIP coverage, many auto policies also offer “Medical Coverage”. You can have both PIP and Medical in such policies – the “Medical” covers just the medical costs while the PIP is free to cover everything else related to the accident. And while the “Medical” coverage is a little more expensive than the PIP, it isn’t that much more and it is still WAY cheaper than an equal amount of coverage on any “health insurance” policy.

Big Hint! Auto insurance companies are sneaky. They REALLY REALLY don’t want you to buy this insurance but they are forced to offer it by your State insurance regulators. So you have to check your auto policy every time it renews to make sure your PIP coverage stays at the top limit. I’ve seen my own coverage mysteriously return to the default level of $5000 several times. When I’ve called to reinstate the $100,000 coverage all I’ve gotten is “Oops – we’ll fix that right now” from the company. And I have one of the best companies – USAA. I can’t imagine (well, actually I can) how other companies would act – so keep an close eye on your policy every year at renewal time.