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Natural Health
America spends more on healthcare than any other country worldwide, yet the average life expectancy of most Americans is much lower than that of most people in other countries. The primary reason for this is likely because unlike most countries, America as a whole spends far more on allopathic medicine than on disease prevention or naturopathic healthcare, drug or surgery-free medical treatments.

Allopathic vs Naturopathic Healthcare

Allopathic healthcare has its place and purpose in terms of medical emergencies, research and diagnosis, but drugs and surgery are simply unsafe and unnecessary for the prevention, cure or treatment of infections and disease. Medical emergencies, research and diagnosis aside, disease prevention and natural remedies such as herbs and nutrients can significantly reduce the need for medical treatments, and thus reduce unnecessary health care costs.

Commercial Healthcare Costs

Due to the high costs of commercial health care in the US, medical bills are now one of the most common reasons for bankruptcy. Traditional or catastrophic health insurance may seem to be the most practical and logical solution for healthcare coverage, but insurance companies are in the business of getting more money from their customers than they give back in benefits. Health insurance companies will cover a certain portion of certain medical expenses, but they pick and choose which health products, services and/or providers they will or won't pay for, and health care providers choose which types of insurance they will or won't accept as payment. At an average of $400-1000 in non-refundable monthly premiums, co-pays of 20-30% and annual deductibles of $250-1000 or more, traditional health insurance costs at least $5000-12,000 every year before receiving any medical benefits at all! Those unable to get affordable health insurance via an employer, those with 'pre-existing medical conditions' (even minor ones), and those who are not disabled, young, old or poor enough to qualify for county, state or federal healthcare programs often have little choice but to pay the full cost of health insurance, or to go without (and many do).

Healthcare Coverage Options

There are a number of things that can be done to reduce one's medical expenses, such as preventing disease with healthy living practices (as an ounce of prevention truly is worth a pound of cures), and the use of natural remedies. In addition, rather than paying a health insurance company non-refundable premiums, co-pays and annual deductibles, one could instead save what they can in their own private, precious metals backed account, which could be coverted to any form of currency at any time, and used for any purpose. While there would be a limit to the amount of money that could be spent (based on the amount saved in the account), one could decide for themselves what medicines, procedures, healthcare providers and healthcare to have and pay for (if any), without the restrictions, limitations, conditions and expense of traditional health insurance. Revolving credit lines (such as home equity, personal or overdraft lines of credit) and even credit cards can also be used for any purpose any time. Credit lines and credit cards do however, increase the cost of all they are used to buy due to interest charges (which can be up to 30% or more) and service fees, and the longer it takes to pay off the debt, the more it will cost in the end. Yet despite the additional cost of credit lines and credit cards, they can be of great use for backup, in case of medical or other emergencies, or if private medical savings are insufficient to cover medical expenses. Payments on credit lines and credit cards (which are only required if used, and for the amount borrowed, plus interest and service fees), can also be made over time. All medical expenses (of any amount over 7.5% of your AGI) are also tax deductible.
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