Your Personal Health Insurance Policy

Everyone is aware of the extremely high cost of most health care services. These costs can be measured not only in cash outlays, but also in time spent at a doctor's office. Waiting times can often be an hour or more for a comprehensive physical examination at a family physician's or internist's office. If you have a problem that requires same-day attention, the waiting time at a local hospital emergency room is open-ended and can easily range into several hours or more.

Those fortunate enough to have health insurance are able to buffer some of the monetary expenses. But even with an individual or family health insurance policy, annual out-of-pocket costs continue to rise steeply as monthly premiums, co-payments, and deductibles increase substantially year-over-year. For example, during the past five years monthly premiums for many policies have increased 15% or more annually. This means that monthly payments in 2013 would be approximately double those paid in 2008. Twice the cost for the same coverage. That's a tough situation. Of course, the fees don't stop at the monthly premium. Many policies have deductibles in the range of $5000 or more.

Thus, if we want to enjoy good financial health as well as good physical health, we might consider getting a "personal" health insurance policy. Such a "policy" requires more effort than that involved in writing a check. Your personal health insurance policy involves taking action in the two main lifestyle areas of diet/nutrition and exercise. A third lifestyle area, often ignored, involves personal well-being. This area includes building increasingly positive family relationships and friendships and developing a broader set of interests beyond one's favorite television stations and websites.

It is now well-established that lifestyle matters greatly to one's long-term health and well-being.1,2 Numerous studies have shown that one in three Americans have one or more chronic diseases - diabetes, heart disease, and cancer. The personal and family costs, the financial costs, and the costs to society of chronic disease are high. By establishing habits of good nutrition, regular vigorous exercise, and rewarding relationships and activities, we help prevent these major health problems.3 By engaging in healthy lifestyles, we are taking action that will reap many rewards for ourselves and our families down the years.

The only requirement to begin receiving the benefits of improved health is the willingness to get started. Even if you haven't done any regular exercise for many years, or if you can't remember the last time you ate a serving of broccoli, fennel, or kale, you can still start the journey to better health today. And if you begin, it's very possible that you'll look back after 12 months, 6 months, or even 3 months and be very glad you did.

1Thorgeirsson T, Kawachi I: Behavioral Economics: Merging Psychology and Economics for Lifestyle Interventions. Am J Prev Med 44(2):185-189, 2013
2Anderson AS, et al: Promoting changes in diet and physical activity in breast and colorectal cancer screening settings- an unexplored opportunity for endorsing healthy behaviours. Cancer Prev Res 2013 Jan 16 (Epub ahead of print)
3Mitra A, et al: Mechanistic studies of lifestyle interventions in type 2 diabetes. World J Diabetes 3(12):201-207, 2012

Location

Find us on the map

Office Hours

Monday:

Closed

Tuesday:

8:00 am-12:00 pm

2:30 pm-7:00 pm

Wednesday:

Closed

Thursday:

8:00 am-12:00 pm

2:30 pm-7:00 pm

Friday:

Closed

Saturday:

8:00 am-11:00 am

Sunday:

Closed

  • "I have suffered from severe back pain and migraines. The treatment has been very helpful and Dr Waisbrots adjustment are very gentle. He also treats my children. 2 of my children have had chiari decompression surgery and he has helped them tremendously."
    ★★★★★ Kim / Google+
  • "I feel very confident in the care Dr. Paul gives because of his wealth of knowledge related to the body, science and healing! Leah is the office manager and is very organized and quick to answer any questions about appointments and billing. Michelle provides professional therapy. All 3, along with the massage therapists, work together harmoniously providing an overall great experience."
    ★★★★★ Nancy / Facebook
  • "Doctor Paul continues to keep me on my feet. I stand, run, and coach all day, then typically toss a couple more hours in after school. His skills are awesome and his personality is engaging and pleasant. My wife and two kids both get proactive treatment as well and are very healthy."
    ★★★★★ Casey / Google +
  • "From fixing my frozen shoulder to keeping me active, Dr Paul and his wonderful staff have been there for me. I see them every two weeks now to maintain my good health."
    ★★★★★ Barb / Google+
  • "Awesome office. Wonderful doctor and Staff!"
    ★★★★★ Leah / Google +
  • "I have attended the clinic many times since the start of 2014. Doc was thorough in his examination and took lots of time to explaine everything to me. He is an excellent practitioner and is always positive and upbeat. His support staff operate like a fine-tuned machine and are cheerful and competent. I highly recommend this clinic."
    ★★★★★ Michael / Google+
  • "Amazing staff, friendly, clean and extremely knowledgeable. A++"
    ★★★★★ James / Google +
  • "Dr. Paul allows me to stay in great shape because I run, lift, and do so many plyometrics my core takes a beating. He fixes me up every time!"
    ★★★★★ Connor / Yellowpages.com
  • "I cannot praise Dr. Waisbrot and staff at Baker Chiro enough. I have been going to Dr. Waisbrot for five years and have had great success. I am a cyclist and have injured my back several times within that time and without fail, they have helped me get back to riding all without medicine, and in a very short time."
    ★★★★★ Bruce / Google+
  • "After two years of seeing three different doctors, having an MRI and several sets of xrays for my shoulder issue, Dr. Paul immediately diagnosed the root cause of the problem. I felt so much better the day after my very first visit. I have been raving about him to everyone I know. He also help my son with a knee problem. He has a wonderful personality as does his office staff. Highly recommend!"
    ★★★★★ RateMDs.com
  • "Dr. Paul is my guy. We bring the whole family in for superb treatment with a very engaging clinician and talented chiropractor."
    ★★★★★ Janel / Yelp
  • "I suffered for years with chronic lower back pain (L5,S1). Dr. Paul has given me new life! Absolutely, hands down, the most incredible chiropractor I've been to."
    ★★★★★ Bradley / Google+