Health insurance

Who Does Your Doctor Represent? Is it You?

We want to let you know your physician may not be working for you.  Dr. Maulfair is receiving letters from Medicare Provider’s advising him as to which drugs are going to be approved as of January 1, 2013; this letter is specific for a patient and lists the drug Dr. Maulfair is prescribing for her and lists the drug that he SHOULD select.  In the case of one patient currently taking “Advair” he is being advised that as of the above date the covered drug will be “Symbicort”.  Do you think the group that made the list looked at the side effects of the drugs chosen compared to the ones left off the list?  Your doctor should decide which drug based on your history and current difficulty, what if the drug chosen by the list has as a side effect intestional bleeding and you have had bleeding in your digestive tract in the past?  Keep your eyes pealed after the 1st of  January.  You might be told you have to switch medications by your physician if you are a Medicare recipient because your physician is receiving letters advising reimbursement for “Formulary Drugs”;  drugs not on this list will cost patients more out-of-pocket expense.  As part of the changes within Obama Care perhaps pharmaceutical companies negotiated certain provisions.  Dr. Maulfair, as an example often recommends the use of older generic blood pressure medications as they have had years of success and fewer side effects than the newer drugs.  We are being advised to change our prescription practices as of January 1 to accommodate these new regulations.  Make sure you let your physician know what your preferences are or you too could wide up with a group choosing your meds for your doctor.

We are not a “participating” medical practice due to these mandates.  We work for our patients solely. Our practice includes recommendations for dietary and nutrient programs and other body friendly medical treatments which are not normally covered by insurance.  Insurance coverage has traditionally covered doctor visits, surgeries and medications so if you are physician who offers more than those treatments your patients have had to pay out of pocket for your care.  This type of care is usually less expensive and certainly more effective since no one has a deficiency of prozac but might have a deficiency of nutrients including B-Complex, our care is helpful and lasting and people get better and get off their drugs.  When someone is healthy they use fewer health care dollars. Surprise.  You would think the stockholders and owners of insurance companies would catch on but they do not.

People need to wake up to the fact that run of mill medical care is not putting your health first or even giving you the best recommendations.  I cannot figure out why physicians put up with this but they do.  Perhaps it is because most independent physicians are now employees of giant hospital interests with their far reaching community medical centers.  As an employee you do not pay your malpractice insurance premium, the company does.  You see, with the government telling a physician what can and cannot be done for patients when physicians comply and  it goes wrong a patient cannot sue the government, but will sue the doctor.  Your doctor was following the “standard of care” so it will be hard to prevail against him/her .    You realize, I am quite sure, that medical modalities that help you recover from chronic health problems are outside the standard of care, right?  If you have migraines the suggestion that you take magnesium and other minerals and watch your diet are outside the “standard of care”, yet they could actually keep you from becoming a drug addict.

I find it very hard to tolerate the government and pharmaceutical interests telling me what I can do with my own health.  I also think some of this mess is brought on by our own actions or lack of action.  You do not have car insurance pick up the tab every time you need tires or an oil change, yet, people are used to insurance picking up the tab for their doctors visits and meds.  If your employer pays most of your health care premium and you have little out-of-pocket expense when you go to the doctor you may not even know what the visit cost was because you are not paying for it.  Who is better equipped to drive the market place and demand fair prices but the consumer? You support your choices with your pocketbook.  You would not tolerate someone telling you which grocery store, gas station, or your pet’s veterinarian you were allowed to patronize would you?  You would not think you were part of the free American society.  Yet all of us put up with idea that our government supports an insurance company that chooses our doctor based on the list, and the doctor choosing our meds based on the approved list, and we accept the idea that whatever the recommendation it is, it is all that can be done based on what is payed for by others!!!

I want to live in a country where I am free to choose my own physician and my own treatments.  I dread the day when I might be a victim of  a car accident and must accept what will be paid for by the group, I do not want to be told what will and must be done for me.  I was in a car accident, I was told I must have spinal surgery and I refused.  I am pain free and I can walk  just fine.  If I would have accepted the “standard of car” for my injuries I would be on pain meds with rods in my back!  Part of the reason for that is the collaboration between the orthopedic physician (who eventually helped me my way) and an over zealous neurosurgeon.  Join me in supporting freedom of choice in all things including what do to for and with our own bodies.  I am happy with health insurance for critical and acute care and I am happy with health savings accounts and I am willing to suffer financial difficulties to retain my freedom to direct my own life.

Wishing you the best in health,

Coleen Maulfair

We Already Solved the High Cost of Medical Care

Medical savings accounts utilizing pre-tax dollars with the control remaining with you, for the most part, on what you spend it on is the answer.  Simple and already available.   You still are free to choose your doctor.  Medical savings accounts are a great solution and being happily used by many of our citizens.  Medical savings accounts combine a high deductible hospitalization plan, for those times of acute and serious illness, with a savings account you can access as you need during the year for visits to your favorite doc.  The IRS does specify what you can use it for but even that  list could be changed by working with your legislators to increase the freedom of choice of what YOU SPEND YOUR MONEY ON.  That is a scream- I find it so hard not to scream when it comes to my life, my body, my health, my money.  How dare the government tell me what to do!!!!
Am I the only one alarmed at the pompous controllers attempting to  exert their bright ideas over my life - Washington know bests??   My personal experience is somewhat different than some as my amazing husband is an independent anti-aging  physician who relies on his ability to help people to make a living.  He does not need an insurance company to condone his practices; he left their clutches a number of years ago.   It is tough, I think he is lonely at times but I know how sound he sleeps because he does not have to comprise what he knows is right when he gives advice to his patients.  He practices what he preaches so that helps too.  Patients really admire him and I do too, he gets results because he wonders why someone has a problem; he does not hand out the latest drug for the symptom.  He investigates why the person has the problem in the first place, then treating the underlying cause of problems  brings results.  Simple.  Provide what the body needs to stay healthy or regain health OR remove the impediment to health and viola! healthy people.

So…we have this health care thing solved.  Independent physicians working with independent patients who make their own decisions of how to spend their health care dollars.  It works very well for very many.   Check out and go to our links for other doctors and at Check out the website of the American Physicians and Surgeons if you want the best source of independent medical thinking and to find out what really goes on with health care politics at    Our website has many other links to other organizations of independent medical care. 

Join us in stopping the Mothers Act in your state and federally and get on board with your voice for independence.  We have welfare programs and disability programs for people who are destitute, the feds (rather us) could by them all medical savings accounts and save a ton of money.