Tuesday, June 21, 2011

Using YOUR Health Savings Account (HSA)

Last Saturday I had the opportunity to work with a really amazing couple.  The man had experienced some very serious health issues that left him terribly crippled - unable to move his arms or legs.  Long story short, the couple was able to use foods, herbs, essential oils and a bemer pad to restore this mans strength completely when no doctor or medicine had been able to help him.

I hear these stories over and over again.  The story starts out with an individual saying "I went from Dr. to Dr. trying to figure out what was wrong with me".  Or I hear "I received a diagnosis, but I wasn't getting better".  Then the story ends by saying "I DRASTICALLY CHANGED MY DIET and.....I was ABLE TO BECOME WELL".  Or, the individual mentions diet and another natural modality, alkaline water, or a particular herb or essential oil in conjunction with foods.

At one time I thought my story was very unique when I'd share how I'd recovered from my illnesses in the way that I did. (Using foods, herbs and essential oils).  However, I've come to realize that my story is not unique.  There is a health revolution going on in the world.  It's exciting to be a part of it.  Individuals are returning to the wisdom of their ancestors to seek healing and they are being healed simply by changing the way they eat and they are realizing when they have whole herbs and pure essential oils, miracles occur!

When I coach people on health it really goes back to the basics.  It took me 12 years to come full circle from first depending completely on the Dr's for answers, to having the knowledge I need to care for myself and my family without needing to go to the doctor.  1) Eat fresh organic foods, herbs and superfoods 2) Drink pure clean water 3) Get a little sunshine every day 4) Connect yourself to the healing powers of the earth.  5) Breathe deeply to get oxygen into your lungs and body 6) Exercise daily.

It seems too simple to really work but it does work - and it works wondrously!

I watched the video "Food Matters" a couple nights ago with my husband.  The video talked about how herbs are not a great selling tool for companies because the herbs have hundreds of constituents in them verses the one or two constituents in pharmaceutical drugs.  What this does is the herb can cure several illnesses where drugs are made to treat one particular condition.

The nice thing about herbs and essential oils and their hundreds of constituents is that God made them perfectly.  God already has the cure for the side effect in the herb or essential oil.   No need to take other medicines to counteract the side effects.  You get more bang for your buck.

It's disheartening for me to see individuals struggling with the "after effects" of taking medication.  A woman I met at one of my classes had gone blind from taking her medication for her heart issues.  There are organizations built specifically for helping an individual wean themselves off of dangerous medications.  In the past decade as the FDA has been bought out by the pharmaceutical industry, the fox is the one watching the hen house (per say). The rate for approving drugs has gone from an average of 2 years to as little as 2 months.  This is dangerous!  When you see those list of side effects on your prescription, take what you read seriously.  The woman who lost her eyesight said that "blindness" was listed as one of the side effects.  She can't sue because the label gave the warning.  Wouldn't it be safer to try foods, herbs and essential oils first!  Pray to be lead to the answers YOU need in order to be well - without taking dangerous medications.

There are 100,000 people that die each year from properly prescribed medications.  That total doesn't include suicides or improperly used medication use.  Herbs used in their whole state and whole food supplements are safe - and very effective.  Wouldn't it be wonderful if your insurance would pay for these wonderful, safe remedies?  See the DVD "Food Matters" to see why your insurance wouldn't cover it.  Like I mentioned above, with a drug that has one or two constituents in it, the drug is targeted to stop the symptom of one particular disease.  With herbs and essential oils there are hundreds of constituents in them.  One herb or one essential oil can treat many different illnesses. Did you know that many essential oils are anti-viral?  When you get a virus you can take an essential oil that has anti-viral properties like oregano oil and the oil will actually permeate the cell membrane that has been invaded by the virus and the oil will stop the growth of the virus.  Antibiotics cannot permeate the cell membrane.  This is why Doctors always tell you "sorry, we can't do anything" if you have a virus.  Find a Naturopathic or Ayurvedic Doctor that understands the power of herbs and essential oils.

We have insurance, but have it in case of catastrophic injuries or accidents.  We love our Doctor but in the past 6 years I have only seen him when I was pregnant.  We have wanted to get a Health Savings Account (HSA) but the remedies we use that are natural - without side effects, would not be something our government (as of yet) has given permission to use the HSA account money for.

The wonderful couple, mentioned previously, when they were writing me out a check for their health sessions said "Wouldn't it be wonderful if I could pay for this with our Health Savings Account".  I nodded and said that would be a fabulous thing to happen.  Little did I know that our wonderful Senator Hatch, here in Utah was preparing a bill that would allow using the HSA account for "natural herbal remedies" etc.

Today, between talking with customers, I read through an email that made me so excited I wanted to get on facebook and broadcast it to all my friends, but someone came into my office and I had to delay my announcing the "good news" until now.

Here is the article that I read from the "Alliance for Natural Health" website.  (Please read the article and click on the link at the bottom of the page to send a big thank you and encouragement to Senator Hatch.  Also please take time to voice your support of the bill to YOUR representatives in your state)...

"A new bill would expand “eligible medical expenses” in the IRS code to include herbs, vitamins, minerals, homeopathic remedies, meal replacement products, and other dietary and nutritional supplements. A new Action Alert.

Sen. Orrin Hatch (R-UT) has introduced S.1098, the Retirement Health Investment Act of 2011. The House version of the bill, HR.2010, was introduced by Rep. Erik Paulsen (R-MN) and is already enjoying wide support with thirty cosponsors.

Last month we told you about two health savings programs that help pay for complementary and alternative medical (CAM) treatments not covered by regular insurance: Flexible Spending Arrangements (FSAs) and Health Savings Accounts (HSAs). “Eligible medical expenses” determine what can be covered by both HSAs and FSAs. Under current law the above are not considered “eligible medical expenses” and so HSAs cannot be used to cover them.

The bill as it stands is strong, and we support it—though hope to see the language tweaked to address that part of the healthcare reform act that threatens the very existence of HSAs. We met with Sen. Hatch’s staff earlier today to discuss the bill, and we were assured that the Senator understands the importance of maintaining access to healthcare plans used in conjunction with HSAs. We will continue to work with Senator Hatch as the bill gains momentum.

You may recall that HSAs are savings accounts owned by the individual, and the funds contributed to them are not subject to federal income tax at the time of deposit. If the funds are not spent, they roll over and accumulate year to year. The law that created HSAs made eligibility dependent on whether one is covered under a high-deductible insurance plan. But section 1302 (e)2(A) of the healthcare reform act limits high-deductible or catastrophic healthcare insurance plans to persons under the age of 30.

This means that beginning in 2014, people over the age of 30 will not be able to purchase an HSA because they will not be eligible for catastrophic plans—making any changes to HSAs irrelevant to them.

Catastrophic plans are designed to give protection against emergencies. They have low monthly premiums in exchange for a higher deductible, making routine doctors visits, etc., more expensive. CAM patients use high-deductible plans to cover emergency services, and use HSAs for purchasing treatments not covered by traditional healthcare insurance. Without the preservation of both high-deductible healthcare plans and HSAs, CAM users will be forced to purchase expensive healthcare insurance with coverage they don’t want or use, while still having to spend money on alternative treatments not covered by insurance.

Therefore we fully support expanding HSAs and FSAs coverage to include supplements among the “eligible medical expenses.” However, the healthcare reform act needs to be amended to allow for catastrophic plans for people over 30 years of age.

Action Alert! Please contact your senators and representative immediately. Voice your support of S.1098 and HR.2010, and explain that coverage of herbs, vitamins, etc., is essential under HSAs and FSAs. Ask Congress to (a) co-sponsor the bills, and (b) include an amendment to the bills to repeal the portion of the healthcare reform act that limits eligibility for high-deductible and catastrophic insurance plans."

To add your voice, please click on the link below, scroll to the bottom of the article and make your voice heard!


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