By Cesar Collado
To address the less enthusiastic reader response and lack of allure of reading about the importance of healthcare economics regarding mold that I discussed in my previous newsletter, I want to hone in on the major positive: You can initiate changes in your healthcare, so that it better meets your needs. We sometimes only think about what we pay for the physician, medicine or insurance company. This is not the optimum view, because it makes you the victim of circumstance. I want you to know that you are actually in the driver’s seat. Look at it this way:
You alone are responsible for–
- Deciding whether to go to the doctor
- Deciding which Doctor to go to
- Determining the opportunity costs of staying home sick or not working—there is also the cost of losing a job if you are out sick too much
- It is also difficult to discount other personal costs
- Pain and suffering
- Inability to perform normally at home or work
- Strain on relationships by being sick
One reader from Tampa’s response, “Hah, try to get a treating Dr. for mold illness or CIRS, much less taking insurance?” provided the inspiration to write this article.
I do realize that every decision for the mold sick individual has consequences and can be overwhelming. Any single wrong turn in the cycle of events could prolong illness and increase costs. While all of this may feel like you are not in control; however, you are. If you are reading this article, you suspect mold is the reason you are sick. Selecting the right Doctor is the best place to start.
While we are subject to the terms of our insurance for physician selection, you can be a cash payer for any doctor. They do not have to be in your insurance network. In fact, almost all doctors (except HMO) either have a discounted cash price or will negotiate and settle for terms similar to what they get reimbursed by insurance. I see a specialist outside my network who gives me a 75% discount from the full rate, which, in this case, is less than insurance reimbursement. The beauty of having an HSA is that I can use it to pay them. I have already planned for HSA spending during the year, and that money is kept separate and ready to use when needed. With tax breaks, I pay with pre-tax dollars and also get to deduct the amount from my taxes. Overall, the benefits exceed a 33% discount on top of what the HSA pays in the end for our finances.
Even with this kind of arrangement in place, I cannot assure you that you will not be financially strained; however, when compared to all the financial expenditures, of meeting deductibles, and health insurance payments, etc., the other type of investment is much more manageable.
In addition, if you put 3 critical steps in place to start getting better (for less than $1 thousand dollars), you can streamline your need for doctors, imaging, diagnostic testing, and other professional medical intervention. This can significantly lessen the financial burden and help you to focus your professional healthcare dollars where they are needed most.
Here Are 3 Things A Mold Sufferer Can Do Now to Feel Better:
1) Select the Right Doctor.
Typically, traditional Western Medicine Physicians are not trained to deal with mold, nor are they motivated to do so. Most physicians are scheduled to see multiple patients per hour. Dealing with mold requires a healthcare professional to spend time learning about your home environment, medical history, and non-traditional diagnostics. There are not many physicians who can or are willing to spend that much time with each patient. It is often easier to refer and pass the buck. Some physicians are either ignorant or apathetic and will tell you it is not mold without any diagnostics to determine the cause.
To find the right doctor, you just have to do some simple digging.
I am goingto use Tampa as an example to show how to find the right doctor.
The results will provide numerous options. It is important that you take time to review their websites and even call the offices to make sure they treat patients with your symptoms.
Due diligence on the doctor pays huge dividends. I like to go to the website and read their personal bios. Oftentimes, the doctor or someone in their family has experienced environmental illness or something similar. These physicians are empathetic to patient’s symptoms as well as to their plight, including financial costs. They know that insurance will likely not reimburse, so they are cash businesses. This is where using the information in Why Healthcare Economics Matter To Mold Sufferers is so valuable. YOU ARE NOT SUBMITTING A CLAIM. YOU ARE USING YOUR HEALTH SAVINGS ACCOUNT (HSA) BY ASKING YOUR DOCTOR FOR A PRESCRIPTION. MOLD ILLNESS IS A CHRONIC DEBILITATING DISEASE AND ENVIRONMENTAL TREATMENT IS PART OF THE MEDICAL PROTOCOL IN ORDER TO GET WELL!
Keep in mind that there are “charlatans” in every industry. That has been my experience when dealing with mold treatment and remediation. If you dive into a few websites, you will find someone who feels right for you. If you do not, expand your geography. And again, call the office and explain your situation, if they do not listen and assure you, move on!
2) Prepare to Optimize Your Time.
If you believe mold is making you sick, there is no reason not to test your home, work, car, or place of exposure to validate this. You can purchase EC3 Mold Screening Test Plates for visual and adequate evidence.
Before or once you find a doctor, it is always a good idea to test your home prior to the visit. EC3 Mold Screening Test Plates are sufficient to determine if you have a mold problem. If you want laboratory results, you can use the Immunolytics Mold Diagnostic Tests to determine the specific species of mold and whether there may be mycotoxins in your home. This is critical information to the physician because the toxins cause serious symptoms, systemic and cognitive, that are debilitating and also overlap with other chronic diseases. Without this, you may find yourself referred to one or more specialties where you will start from the beginning. Further, they start from scratch and may not treat mold. Or, you may be embarking on the long, painful, expensive road of diagnosis of exclusion where you are tested for everything serially. You may also have to try several medicines to seek improvement of specific symptoms; however, these medicines have their own side effects and expenses.
It doesn’t end here, you can should at the very least be aware of the various diagnostics and tests available to aid physicians and/or patients directly in diagnosing mold toxicities. Some are available for you to order directly from the labs. Others require a physician’s order. Many of these are not conclusive by themselves; however, each provides circumstantial evidence that, when taken into consideration with others, can be conclusive.
Some of these diagnostics include:
· Urine tests for mycotoxins conducted by Real Time Labs;
· IgG and IgE testing for mold and food allergy antibodies from Dr. or ALCAT testing from Cell Science Systems;
· Swabbing the nose and culturing on a mold test plate;
· Taking a free 5 min. Mold Sensitivity Evaluation Test, available HERE.
The more information you provide the Doctor, the quicker you will be able to ascertain whether they are the right Doctor to address your illness. If they are not, there is potential for wasting much time and money by both.
3) Get to a Safe Place or Create a Mold-Free Environment.
Dr. Dennis developed the entire portfolio of products for mold illness and fungal sinusitis based on the concept of creating a mold-free environment. Decades ago, a severely ill patient who had undergone several surgeries went to the beach for a couple of weeks. When they returned to Dr. Dennis, their sinuses were clear. After significant investigation, he concluded that the salty air at the beach was a mold-free environment.
The important observation to understand here is that a mold-free environment doesn’t heal a patient. A mold-free environment allows a patient’s body to heal naturally. You can read more about the Microbalance Story HERE.
If you are very ill and know your home is making you sick, you must leave the home to get better. Even if you are willing to do what needs to be done to remediate the home, getting away from a moldy environment is critical for the body to heal. Simply put, all medicine and detoxification combined will not bring wellness, if the sinuses are continually being exposed to new mold spores and possibly mycotoxins. The air you breathe is more important than all medicinal efforts and treatments combined.
In the event you know mold is the issue, there is one “Proof of Concept” experiment you can do that will tell you almost immediately whether mold is the issue and what it will take to get better. This experiment, in the scope of all other efforts, is inexpensive: Fog your entire home with EC3 Mold Solution Concentrate. Doing so will temporarily show you how you feel in a mold-free environment. This experiment costs approximately $320 with free shipping; and, it is a game changer!
Proof that this works is exemplified by patients who come to Dr. Dennis’ office and enter smelling of mold. To protect himself and his office, those patients are fogged upon entry. Afterward, these patients have told me that they immediately began to feel better. Inhaling the natural, safe fog gave their bodies the mold reprieve they so desperately needed.
For questions, comments or to share your story, I can be reached at firstname.lastname@example.org.
Cesar Collado is a former pharmaceutical R&D executive, venture capitalist, and seasoned strategy consultant in biotechnology and technology industries in general. He currently works as an advisor to multiple technology start-ups and advises several companies that provide healthcare and other services for environmental illness.