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

Multicare Health Clinic

3930 STADIUM DR
SIOUX CITY, IA 51106
Phone Number: (712) 276-4325

Get Directions

Location

Email Us

Office Hours

Monday:

8:30 am-6:30 pm

Tuesday:

8:30 am-6:30 pm

Wednesday:

8:30 am-6:30 pm

Thursday:

8:30 am-6:30 pm

Friday:

8:30 am-2:00 pm

Saturday:

Closed

Sunday:

Closed

Testimonials

  • "After my consultatin with the doctors at Multicare Health Clinic, I understand how to address my balance issues."
    Anna A.
  • "Dr. Sneller helped. I haven't been feeling dizzy anymore."
    Belinda B
  • "My shoulder and neck feel so much better. I now have the knowledge, motivation, desire and tools to keep up the exercises."
    Barb B.
  • "I now can go a full week without pain and headaches."
    Luke W.
  • "My company encouraged all of us employees to get screened at Multicare. I didn't know what to expect. It was easy and I learned so much. The orthotics they prescribed really help me to feel more stable and confident at work."
    Jim J.
  • "I wasn't able to use my hand the way I should. After working with Dr. Sneller and the physical therapy team, I can use my hand again."
    Henry H.
  • "I wasn't able to use my hand the way I should. After working with Dr. Sneller and the physical therapy team, I can use my hand again."
    Ivy I.
  • "Being able to present my back pain to three different professions in one place and knowing that they are working together to make me better is very comforting."
    Charlie P.
  • "I'm now a believer now! I didn't think chiropractic could help my foot problems. But after meeting with Dr. Pistello and Dr. Dave for a few weeks, I'm feeling so much better!"
    Gino G.
  • "After my knee surgery I was asked where I wanted to do my physical therapy, I chose Multicare Health Clinic and I'm so glad I did! Dr. Steve and the therapy assistants (Sara and Megan) are fabulous! They know what they're doing and they all really seemed to care about my recovery. I'm feeling fantastic! I'll definitely go back again whenever I need therapy or adjustments."
    Sheri J.
  • "I leave here feeling confident that I have the resources to manage my pain and live normally, and that's priceless."
    Alycen V.
  • "I'm a runner. When I wasn't able to run due to leg problems, I was devastated. But a consultation at Multicare Health Clinic identified the problem and after some adjustments, stimulation treatments and therapy, I'm running again!"
    Lisa L.
  • "After an accident at work I didn't think I'd ever get relief from my aching shoulder. But, the doctors at Multicare gave me adjustments and physical therapy and now I feel normal again."
    Cliff C.
  • "I'm so glad my sister referred me to Multicare! My elbow hasn't felt this good in a long time. Thanks to the great physical therapy team there."
    Ellen E.
  • "Not only is my pain level down to zero, but what I'm really thrilled with, is that I have normal feeling in my hands."
    Jill L.
  • "At night my right hand would go painfully numb at least 2-3 times where I could not sleep. Now, I don't have that pain and can get a full night sleep."
    Janet D.
  • "There couldn't be a better physical therapy team in Siouxland! Not only did my knee feel so much better after six weeks, but I feel like I made new friends."
    Karla K.