Over the last few decades, I’ve watched as the hospitals and insurance companies have attacked the dignity of the American people.
I’ve watched as pharmaceutical companies have “buddied up” with doctors to drain billions of dollars from sick people. I’ve watched as ignorant Senators have attempted, time and time again, to shove the same expensive and over-regulated health plan down our collective throat.
Make no mistake: our healthcare freedoms are under attack, and it’s time to fight back.
In this article, I demystify the lies associated with our healthcare system, and how you can fight and win back your healthcare freedom.
Let’s dive in!
The lies you’re being told by Big Pharma, Big Hospitals, and Big Government
Lie #1: Medical providers are always acting in your best interest
The Truth: There’s no surprise here: hospitals and pharmaceutical companies are for-profit operations that will do everything in their power to squeeze a few extra bucks from the common man. From obscured pricing structures to corrupt backroom deals, sometimes it seems like there’s no length they won’t go to take your money.
Consider this: Doctors may receive incentives from pharmaceutical companies to prescribe certain medications, potentially influencing their choice of treatment. It’s important to discuss all available options with your healthcare provider and be aware of potential biases.
Lie #2: You should always listen to your doctor
The Truth: Not only may your doctor have a massive conflicts of interest when it comes to their recommendations, but more importantly, there’s a good chance that they don’t even know what they’re talking about.
There are good doctors out there. But there are also some really bad ones, or even some good ones who are just having a bad day. But either way, it’s time for us to stop believing that our medical professionals are perfect or beyond reproach. That’s just what the healthcare complex wants you to believe, so that you’ll take your doc’s word for it when they bust out the prescription pad.
Here’s a bit more proof: doctors often hate it when you say that you’re seeking a second opinion. You know why? Because it’s a sign that they’re losing power over their “patients” (read: customers).
Lie #3: You can’t control how your healthcare dollars are being spent
The Truth: With traditional health insurance plans, you don’t have much control over how your monthly premiums are being spent.
Most of it is going to pay for the salaries of higher-level executives. A small amount is actually used to keep you healthy, and even then, there’s someone else deciding what’s best for you.
- Health Savings Accounts (HSA) are giving Americans an opportunity to reclaim their healthcare dollars. These tax-advantaged accounts can be funded directly from your paycheck, before any taxes are taken out. Then, you can grow the funds over time, or use them to pay for out-of-pocket expenses. As long as the money is being spent on qualified medical stuff, then you never have to pay taxes on it.
Lie #4: You can’t know what it costs until you get the bill
The Truth: Of all the healthcare injustices in the world, the fact that hospitals don’t want to show us the bill until afterwards is perhaps the most ludicrous.
While lawmakers have made some progress with requiring price transparency, hospitals and providers are still doing everything in their power to keep prices hidden.
We’re made to think that it’s inappropriate to ask how much something costs while we’re sitting in the exam chair. As if talking about money with your doctor is rude or culturally inappropriate. But that’s what they’ve conditioned us to believe, so that they can get away with their outrageously high fees.
Lie #5: You’re required to have a government-approved health insurance plan
The Truth: Of course they want you to believe that you have no choice but to go with one of “their” plans.
In fact, at one point this got so out of hand that the federal government even started penalizing those of us who couldn’t afford their plans.
- Healthcare Cost Sharing is the alternative that they most certainly don’t want you to know about. Healthshare plans are a low-cost and legal alternative to government-regulated plans. Not only can you get much lower rates than unsubsidized insurance, you’ll also be “sticking it” to the predatory health insurance complex.
Compare Pricing on the Best HealthShare Plans Available
How to exercise your healthcare freedom
At HSA for America, our goal is to empower individuals, families, and businesses to exercise their healthcare freedom. That means helping you plan the plan that is right for you, and helping you keep more of your money in your pocket.
Here are some ways to use your healthcare freedoms to your advantage:
Educate Yourself
Stay informed about your health conditions, treatment options, and medications.
Empower yourself with knowledge so that you can actively participate in your healthcare decisions. Utilize reliable sources, ask questions, and seek second opinions when necessary.
Question Treatment Plans
If you are not comfortable with a specific treatment plan, ask questions!
Make sure you understand the necessity of prescribed medications, potential side effects, and available alternatives. If you are well-informed, you are more likely to receive care aligned with their best interests.
Request Transparent Pricing
Ask for clear and transparent pricing information before undergoing any medical procedure or treatment.
This includes understanding the costs of medications, tests, and procedures. It is best to request for an itemized invoice so you can check each expense and see whether you really need it, or it was just added to swell your bill. A proactive approach to discussing finances can help you avoid surprises and prevent unnecessary financial burdens.
Explore Generic Medications
Ask your doctor about generic alternatives to brand-name medications.
Often, pharmaceutical companies promote expensive branded drugs, but equally effective generic options may be available at a lower cost. Your healthcare provider can guide you on suitable alternatives that align with both effectiveness and affordability.
Advocate for Yourself
Be an advocate for your own health. If you feel uncomfortable with a prescribed treatment or suspect a conflict of interest, express your concerns to your healthcare provider.
Seek a Second (and Third) Opinion
Doctor’s often hate having their opinion second-guessed, but that isn’t the way it should be.
If you think that your provider is either off-the-mark with their diagnoses or charging way too much, then it’s time to start shopping around.
There’s no harm in seeking a second opinion, especially for significant medical decisions. Consulting with another healthcare professional provides a fresh perspective and ensures that you receive a comprehensive understanding of your condition and available treatment options.
Be sure to check other hospitals and providers in the area, and use the internet to your advantage.
Utilize a Patient Advocacy Service
Patient advocacy services are professional services that assist individuals in navigating the complex healthcare system, ensuring that patients receive the best possible care and advocating for their rights and well-being.
These services are particularly valuable if you face medical challenges, complex treatment decisions, or encounter difficulties in understanding and managing your healthcare.
These services can also assist you in understanding your medical bills, negotiating costs, and ensuring that your rights as a patient are protected.
Consider a medical cost sharing plan with no doctor network
Aside from the low monthly costs, Health Sharing Plans have the unique advantage of no provider networks.
That means that you can choose any doctor or hospital that you want when seeking medical care.
Compare Pricing on the Best Healthshare Plans Available
We’re taking a stand for your healthcare freedoms
Remember: Big Pharma, Big Insurance, and Big Hospitals all share the exact same strategy.
It’s making you believe that you don’t have any options when it comes to healthcare. They’ve spent decades as well as billions of dollars supporting this lie, and they’ll spend even more to keep it going.
It’s time that we take back our power from the health insurance companies. If you’re ready to switch to a form of healthcare without all the corruption and overreach, give us a call.
Healthshare plans are available to all people, at all times, and if enough of us make the switch, there’s a good chance that we can take a real bite out of insurance industry profits.
You can get in touch with your Personal Benefits Manager at 800-913-0172, or click here to schedule a no-cost consultation.
Ready to find out how much you can save with health care cost sharing? Click here to run a free, instant quote.
HSA Secure Frequently Asked Questions
Q. How can health savings accounts make it so patients and doctors have more freedom to decide on healthcare services and treatments?
Health Savings Accounts (HSAs) empower patients by providing a financial tool enabling you to set aside tax-free money for future healthcare expenses.
These accounts grant you control over your healthcare dollars, allowing you total autonomy in choosing your treatments, providers, and services. You are not restricted by PPO networks, or restrictions on what the insurance company will cover. You can pay for any type of medical treatment, including alternative treatments, from your HSA.
Q. How do I get an HSA?
To obtain a Health Savings Account (HSA), begin by confirming eligibility through enrollment in a High Deductible Health Plan (HDHP), ensuring it meets HSA criteria.
Apply for the HSA directly with a financial institution, providing necessary personal details. Once approved, start funding your account Accessing funds is easy, with most providers offering debit cards for transactions. Monitor your HSA balance and expenses through online portals or apps provided by the administrator.
Q. How do Health Savings Accounts Work?
Health Savings Accounts (HSAs) function as tax-advantaged savings tools tailored to help individuals manage healthcare expenses efficiently.
To qualify for an HSA, you need to have a qualifying High Deductible Health Plan (HDHP).Contributions can be from individuals or employers.
Every year you can fund the account with pre-tax money. The money in the account grows tax-deferred, and can be used tax-free to pay for medical expenses.
HSAs are portable, staying with you through job changes or insurance plan shifts. Turning 65 doesn’t limit HSA use, making them valuable for retirement planning.
Q. Can I get an HSA without Insurance?
No, you must have a qualifying health plan to sign up for and fund an HSA.
There is also a healthshare plan that has an HSA component, called HSA Secure.
Wiley is President of HSA for America. He believes that consumers should have choice and price transparency, so they can make the best healthcare decisions for their needs. Read more about Wiley on his Bio page.