Originally posted by Dr. Davis on 2018-04-09
on the Wheat Belly Blog,
sourced from and currently found at: Infinite Health Blog.
PCM forum Index
of WB Blog articles.
Note: the onacare.com website was
unresponsive when this article was mirrored
on the Inner Circle in mid-2023.
O’NA
HealthCare: A new healthcare insurance option?
I was recently invited to
speak at David Wolfe’s Longevity NOW
conference in Anaheim, California, where I gave a
talk entitled “Germs, Muscle, and Pac-Man:
New Strategies for Turning the Clock Back 10 or
20 Years” detailing some new strategies
for maintaining youthfulness and vigor. (It was a
longevity conference, after all. I shall be
posting a similar talk on our Undoctored
Inner Circle website in the next few days.)
Of the 40-some vendor booths
that were part of the conference, there was one that
caught my eye: O’NA
HealthCare. They claim to provide coverage for
functional medicine care, integrative health
practitioners, chiropractors, Eastern medicine,
biological dental care, etc., while also providing
conventional healthcare insurance coverage at a
fraction of the cost of other healthcare insurers.
Because I have been actively exploring ways for us
to opt-out of the disaster that is modern
healthcare and healthcare insurance, this got
my attention.
Beyond covering alternative
care, it got even more interesting. The representative
at the booth told me that the company got its
start on native American Indian territory as
a healthcare cooperative/Native American Tribal
Community, founded by the Elders of the United
Cherokee Nation – Aniyvwiya. O’NA
HealthCare is therefore not subject to the
regulations of conventional healthcare
insurance, regulations that typically add
substantially to costs. Now, that’s interesting.
Comparing their
(casual—I have not yet made formal
application) premiums to the premiums I
currently pay (for a healthy 60-year old
male), I would cut my costs by about 55%
(while maintaining the same deductible)—not
bad. Too good to be true?
Among the features
of O’NA HealthCare:
- They cover alternative healthcare practitioners
and treatments such as functional and integrative
medicine, chiropractic, acupuncture, Reiki,
essential oils and nutritional supplements
(with some limitations on
supplements)
- 24/7 phone access to a nationwide network of
several thousand healthcare professions is
available
- You are free to choose your healthcare providers,
as there are no “in-network” or
“out-of-network”
limitations
- Like other healthcare insurance, catastrophic
coverage is included: emergency room visits,
operations, imaging procedures like
CT scans and MRIs, etc.
- There are no co-pays
- Available in all 50 states
- Medical tourism is covered
- 365 days-per-year open enrollment
Because there is a $5000
deductible for individuals, $10,000 for families
of 3 or more, they also provide access
to a health savings account (HSA) option
that allows you to place money pre-tax that
remains yours year-over-year (unlike a
flex-spending account). You can also choose
to use your own HSA plan.
Incredibly, the company
reports that health insurance premiums have not
increased since the company got started in 2014.
Has anyone had any experience
with O’NA HealthCare? Unless I uncover
something completely unexpected, I believe that I
am going to apply and replace my current health
insurance. I use virtually no conventional
healthcare: I refuse to take statin drugs,
blood pressure drugs, acid reflux drugs, submit
to absurd physical exams and screening efforts,
so the high-deductible (no change to me) does not
scare me. And it encourages me to pursue the HSA
option, something I have indeed been meaning to
do. I hope this will acquaint me with the
process, something that we should perhaps pursue
for our Undoctored Inner Circle members via
group enrollment.
