Kevin Trudeaus new book, Natural Cures They
Dont Want You To Know About, he predicts that Codex
will create a situation that shifts the prices of vitamins
and mineral supplements by some 50 to 100 per cent in the
future. This will have implications on the cost of routine
Codex is a commission established in the European Union, in
association with the World Health Organisation, that seeks
to address the growing international concern related
to a perceived emergence/increase in food-borne diseases,
and the use of organically-grown food by exacting standards.
According to this new awareness, the good news
is that locally-grown provisions and other foods are a positive
indicator for the good health of the nation. The not-so-good
news is that we have a rather high food import bill, and our
dependence on processed foods is categorical.
Whatever the results of this Commissions work, we still
have to fund individual health care. The price of our basket
of food has increased perhaps 21 per cent over the past several
months. The rising cost of medicine and doctors visits
is another phenomenon.
The Merck Manual online edition, retrieved December 28, 2005,
cites vascular disease as the leading cause of morbidity and
mortality in the US and most Western countries. Coronary Artery
Disease (CAD) kills about one in every 100 in the age group
55 to 64.
The thing is, these diseases do not kill you off outright.
They present treatable symptoms, and linger for years. And
the costs associated also linger.
The most effective way to pay for medical expenses is through
insurance. Intelligent guesswork shows that with insurance,
you may pay 30 cents for every dollar of benefits, because
of the pooling effect among a large group of participants
who contribute premiums, all of whom do not get sick at the
Without insurance, you get to pay dollar for dollar, for every
dollar on the medical bill, since it comes out of your savings.
If you have to borrow, you can pay $1.24 for every $1.
Of the types of insurances that cover health, Group Health
is the most cost effective. Once more, a larger group of people
contributes premiums, all of whom do not get sick. So, in
a way, those who do not get sick help to pay for those who
This is a fundamental principle of good societal and community
living. It is about helping your neighbour who is in trouble.
Since you never know whether you are in the 99 out of the
100 who will not get a CAD, or whatever percentage of the
population gets diagnosed with diabetes, partial blindness
and/or kidney disease, it is better to be safe than sorry.
Group Health insurance is accessed by members of a group,
who work in a common industry, and is priced less than individual
health insurance. It can cover the entire family.
However, group health insurance ends when you leave the group,
or its benefits are significantly reduced when you retire.
This is why you should have both Group and Individual Health
insurance. Individual health insurance will go up to age 70
or 75 at least.
Yes, there have been claims that were unpaid by unscrupulous
claim adjudicators at certain places. However, wrongful denials
get redress within the legal systems.
You simply have to understand the terms and conditions of
your policy contract.
A good resolution fo this new year is to know whats
going down, and to take action. As my father used to say,
Self preservation is natures first law.