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Discussion Starter · #1 ·
Hi,<br><br>
We;re moving to Murrieta CA (near Temecula) towards the end of this month from Australia.<br><br>
I've heard the healthcare system over there is very expensive compared to here. We pay a low premium every month for private health insurance and can claim money back after every visit to an alternative medicine practitioner. We use a chiropractor regularly and a naturopath when needed and have been getting up to70 percent of our money back each appt.<br><br>
We also have a free health system called medicare that we can use for conventional medicine - if we go to a 24 hour medical, they bulk bill us (meaning they take our free healthcard and we don't pay anything at all).<br><br>
My questions:<br><br>
Does private health insurance in CA cover alternative medicine? Do we save money? What are the premiums like monthly?<br><br>
What about chiropractors/naturopaths? Are they expensive - will we need private health insurance cover?<br><br>
Do you know any chiropractors and naturopaths in our area? How can we find some?<br>
Also last question
 

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most companies provide insurance for their workers... might that be the case for you when you move?
 

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Discussion Starter · #3 ·
That isn't an option cos we don't work for any company : ) We're staying with the in-laws til we get on our feet.
 

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hmmm?<br><br>
well, you could have to pay a lot of money a month for healthcare that covers all your doctor visits and I don't know enough to say if they cover alternative health care.<br>
I guess I'm talking about Blue Cross or Blue Shield or similiar.<br><br>
you know I think what I might do if I were you is to look into catastrophic coverage. Which will cost less a month. But it would cover you and family if you got diagnosed with somethink like cancer etc. And they would cover all that treatment etc.<br><br>
but you would be responsible for any visits to regular doctors or peds and frankly that probably isn't that many visits a year.<br>
So, lets say you pay out of pocket for 5 doctor's visits per year which lets say is around 500-800 a year that will be cheaper than paying 300 a month to get them to cover those out of pocket expenses. And like I said, they probably wouldn't cover your alternative treatments.<br><br>
You could also look into Keiser too.<br><br>
but frankly, I would go for catastrophic coverage until you guys get on your feet and then you or dh's work can then pick up the insurance.<br><br>
does any of this make sense?
 

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I'd steer clear of Kaiser unless it's your absolute last resort.<br><br>
Sometimes Alternative providers can bill on a sliding scale with your income.<br><br>
Insurance would probably be very expensive for you to pay privately, but if you are not going to be having a lot of other costs and can manage it, it seems like an important one. I am not familiar with out-of-pocket expenses for private insurance which would cover 'Natural Alternatives.' I believe most Health Plans where a person pays are HMO which will probably NOT cover anything Natural b/c they probably don't employ anyone like that. I fell off of a horse and had shooting electric pains in my hip. I went to the HMO doc for a referral to a chiro and he said, "Oh no, you have to get better before you go to the chiropractor!" and gave me a narcotic prescription. <img alt="" class="inlineimg" src="/img/vbsmilies/smilies/rolleyes.gif" style="border:0px solid;" title="rolleyes">:<br><br>
Aetna has a "Natural Alternatives" plan, so you could look into them. Also, we have a magazine here called "Consumer Reports" and they reviewed Insurance companies, so you might want to head to the library when you get here and go to the Reference Desk to ask them about finding that issue before you decide.
 

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Discussion Starter · #6 ·
Thanks for the info, I'll look into it soon (will be there in under 2 weeks!!!!!!!) Time is going by so fast!
 

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Have you looked into Medi-cal? I don't know much about whether it covers alternative medicine or not, but I believe it's free if you're under a certain income.<br><br>
I'll be going on their pregnancy-only coverage when we move to So. Cal., because none of the other providers we've talked to will take me on. Apparently an existing pregnancy is considering an "pre-existing condition".<br><br>
Tasha
 

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I am very close to Murrieta (15 minutes)......we moved here from out of state and at first had Kaiser.....it was 132 dollars a month for me. They are not very "alternatiive' friendly in my opinion. We now have health insurance through my husbands job. Most of what I have found down here is HMO and they can be a real pain although there is no deductible and low dr co pays (we pay 400 a month for just me and my 12 month old son) and we never even use it. Hes been 1 time in the last 12 months and I havent gone since I left the hospital!
 

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Also if you do get an HMO, an AP friendly ped is in Sun City (not too far from Murrieta, 15 minutes) is Dr Pumphrey. He is good about no vax and bf'ing. You can email too if you want any info about the area: <a href="mailto:[email protected]">[email protected]</a>
 

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Discussion Starter · #10 ·
Hey Desiree, thanks for the great info. I will certainly keep that ped in mind if I should ever decide to use a ped. We're finding a chiropractor and hopefully a naturopath (phone directory doesnt seem to list any naturopaths or homeopaths here!) as I'm really not very big on doctors at all!<br><br>
Thats great that you live 15 mins away from the area! I think I'll probably email you when I get some more time!
 

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My friend who works at a major healthcare insurance company sent me this:<br><br><br>
HMO Q&A<br><br>
Q. What does HMO stand for?<br>
A. This is actually a variation of the phrase, "HEY, MOE." Its roots go back to a concept pioneered by Moe of the Three Stooges, who discovered that a patient could be made to forget about the pain in his foot if he was poked hard enough in the eyes.<br><br>
Q. I just joined an HMO. How difficult will it be to choose the doctor I want?<br><br>
A. Just slightly more difficult than choosing your parents. Your insurer will provide you with a book listing all the doctors in the plan. These doctors basically fall into two categories--those who are no longer accepting new patients, and those who will see you but are no longer participating in the plan. But don't worry; the remaining doctor who is still in the plan and accepting new patients has an office just a half-day's drive away and has a diploma from a Third World Country.<br><br>
Q. Do all diagnostic procedures require pre-certification?<br>
A. No. Only those you need.<br><br>
Q. Can I get coverage for my preexisting conditions?<br>
A. Certainly, as long as they don't require any treatment.<br><br>
Q. What happens if I want to try alternative forms of medicine? A. You'll need to find alternative forms of payment.<br><br>
Q. My pharmacy plan only covers generic drugs, but I need the name brand. I tried the Generic Medication, but it gave me a stomachache. What should I do?<br>
A. Poke yourself in the eye.<br><br>
Q. What if I'm away from home and I get sick?<br>
A. You really shouldn't do that.<br><br>
Q. I think I need to see a specialist, but my doctor insists he can handle my problem. Can a general practitioner really perform a heart transplant right in his office?<br>
A. Hard to say, but considering that all you're risking is the $15 co-payment, there's no harm in giving him a shot at it.<br><br>
Q. Will healthcare be different in the next century?<br>
A. No. But if you call right now, you might get an appointment by then.
 

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LOL Melaniee! TRUE!<br><br>
Lisa, definately, email me anytime <a href="mailto:[email protected]">[email protected]</a>. Let me know if you find a good chiropracter. I still havent been to one since I moved to CA two years ago!<br><img alt="" class="inlineimg" src="http://www.mothering.com/discussions/images/smilies/yikes.gif" style="border:0px solid;" title="EEK!">
 

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We have sharp health insurance in San Diego (probably an option for you in murrieta) Whether alternative care is covered depends on the package you or your employer purchases. We have chiropractic and accupuncture covered as well as vision check-ups and glasses ( lots of plans don't cover this) We don't have dental because it would be so outrageously expensive it's much cheaper to pay cash. But it all depends on what you company offers.<br><br>
But without a job you probably wont' be able to afford anything other than the Catastrophic coverage someelse mentioned, or medi-cal or there is a low cost insurance program for children. I don't think any of these cover alternative practioners. It's probably better to pay cash and hope you dont' get sick.
 

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hi<br>
we are in san diego, pay $512/month for dh, me, dd 6 mo....yowza!!!<br><br>
kaiser in sd is great! my dh dr. actually told us we should switch from blue shield. about $100 less per month.<br><br>
blue shield ppo is cheaper too....<br><br>
a mama in my playgroup has a great homeopath, i can ask her...<br><br>
also try <a href="http://www.babyreference.com" target="_blank">www.babyreference.com</a> linda palmer has tons of references locally. chiro too!!!
 
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