Why I am content to live without medical insurance
- Created on Sunday, 24 May 2020 01:42
I went my whole adult life without having medical insurance, and I do mean none. Now that I am pushing 70, I have the minimal Medicare coverage, but that’s it. I don’t fret about not having good coverage, and I want you to know why.
There is very little in Medicine that I would want or make use of. Obviously, if I were severely traumatized I would need surgery, but the most likely way for that to happen is a car wreck, and I carry extra insurance for that- far more than the State minimum. I think I have $500,000 personal injury protection and the same for Uninsured Motorist. And, it doesn’t cost that much more to get the extra coverage. And otherwise, I avoid doing dangerous stuff. I don’t go up on the roof. I don’t go downhill skiing. I don’t use a chain saw or any kind of dangerous equipment. I play it safe. I am a very cautious driver, and I drive as little as I can. I am very content the days I stay home and don't have to go anywhere. I go bicycling, but never in traffic. I have safe places to ride that entail very little interaction with cars.
But, what about disease? Well, the fact is that there are 3 main diseases that people get in old age: heart disease, cancer, and diabetes. Those are the 3 big killers.
For heart disease, well I’m a total vegan, living on fruits, vegetables, salad greens, nuts, seeds, and beans. I eat some whole grains too but not much. I take heart-healthy supplements like CoQ10, DHA, Curcumin, Vitamin D3, Vitamin K2, etc. I stay active physically. I keep myself lean. And I take anti-aging hormones like DHEA and melatonin which are cardio-protective.
So, doing all that, what are the chances that I, Ralph Cinque, am going to develop clogged arteries? And even if I did, and I don’t think I will, I wouldn’t take statin drugs or have a bypass operation or do anything medical for it. I’ve known too many people who have. But again, I don’t think it’s going to be an issue for me, and I don’t think I need insurance for it.
What about high blood pressure? Well, I just checked my pressure, and it was 112/60. And it’s always been about that. I don’t believe I have ever had a systolic pressure higher than the teens. In other words, I have never been as high as 120.
But again, even if I developed high blood pressure, I wouldn’t want to take medical drugs for it anyway. I am very open to the possibility and the likelihood that lowering blood pressure with drugs does more harm than good. They refuse to do double-blind, placebo-controlled studies of blood pressure drugs. They say it would be unethical, which is the same excuse they use for not doing double-blind, placebo-controlled studies of vaccines. But, If you think about it logically: drugs do not correct the causes of high blood pressure, and they add a pathogenic influence that takes the body further out of true- which is a reference to a bicycle wheel being out of true when it does not rotate correctly; where it wobbles. You can’t get your blood pressure back to true by taking drugs. Period. They don't fix anything.
What about cancer? The lifetime risk of getting various cancers varies a lot depending on which cancer you are talking about. But for men, the cancer that is, by far, the most likely to happen is prostate cancer with a lifetime risk of 1 in 9. That is the only cancer that is in single digits for men. But, here’s how I view it: 1) I get a lot of lycopene from watermelon, tomatoes, and ruby red grapefruit. 2) I take Prosthera from Klaire Labs every day, which is an excellent prostate botanical supplement.
There are other good ones, but I think it’s prudent for men to take a good prostate formula because the ingredients we are talking about are perfectly safe and have been shown to be effective.
But, let’s get back to that 1 in 9 chance. Again, I have to think that my personal risk is lower than most because of my diet and lifestyle, and I’ll tell you something else that you probably won’t hear elsewhere: I believe that staying lean, as I do, is also a deterrent because you have to think of the prostate as the low man on the totem pole. If there is a lot of weight above from a pendulous abdomen bearing down and putting pressure on the prostate, its drainage is going to be impaired (since veins are low pressure) but the arterial blood is still going to get through. And the result is: congestion. Torpid congestion. And that’s a predecessor to cancer. And that’s why any time you go out and exert yourself hard, you are diverting blood from out of your pelvis and into your arms and legs to do the work. It means you are wringing out your prostate gland. Do you understand how beneficial that is?
So, the next time you should be going out for a vigorous hike, but you’re feeling lazy about it, remind yourself: it’s time to drain your prostate.
So, that’s the worst cancer risk for men, which is 1 in 9, and again I feel that because of everything I am doing that my personal risk has to be much less. If it were half, then it would be 1 in 18. And I can live with those odds.
And the other consideration is that a great many cases of prostate cancer are practically innocuous, that they progress so slowly, that you usually die of something else before it kills you. I’m going to be 70 soon, and let me tell you: as long as I can urinate freely and I’m not having any pain, I am not letting anybody cut on my prostate. No way, no how.
What about diabetes? Again: with my diet, my exercise, my supplements (such as magnesium which is diabetes-preventive) and staying lean, I think I have a handle on it. Besides, I do blood testing every year, and my fasting glucose is 85. It’s no higher now than it was 30 years ago.
But, if it started going up, I would be open to taking Metformin, which is one of the few medical drugs that I think is good. It’s made synthetically, but it is based on an herb. And, metformin is dirt-cheap.
But, there is also the option of taking an herb, such as berberine, and I might do that instead.
Beberine is actually more expensive than Metformin, even though the latter is a prescription drug. But, I may never need either. My mother is going on 99, and she isn’t diabetic. Neither is her sister who is going on 102.
So, I have a plan in mind in case I do become diabetic at some point in the future. But remember that there are all different degrees of diabetes, and in my case, I’ll probably either never get it, or I’ll get such a mild case that I will easily be able to manage it myself.
So, those are the big 3. But, what else is there? There is joint degeneration, and that can happen to anybody. I have friends who are health enthusiasts who wound up with degenerated hips and underwent joint replacement. I have not had my hips x-rayed, but there is an orthopedic test called the Patrick FABER test that I perform on myself sometimes, and it shows good range of motion in my hips. But frankly, even if I did develop bad hips, I don’t think I would have surgery. I would try loading up on SAM-E which is cartilage-boosting supplement, and I would do my best to manage it without surgery. Hip replacement is a very radical procedure, and I am not planning on having it.
What else? Of course, there is Alzheimer’s and other forms of dementia. But, I’m doing things about that too, such as taking pregnenolone and Acetyl-l-carnitine.
Mental decline is very common. For instance, in the 2020 Presidential race, it’s going to be one demented old guy versus another. I think that both Trump and Biden are manifesting significant mental decline, although Biden more so, and people are making jokes about it like crazy. It’s sad. I feel sorry for him. But, it is progressive, and it is only going to get worse. He shouldn't be running for President, and neither should Trump, in my opinion.
As I approach 70, I think that I am holding up quite well that way. I'll admit that my short-term memory isn't as good as it used to be. But it’s it's going to take more than that for me to think that I am losing my mind. However, it is something that that I am going to pay attention to going forward. But again, I wouldn’t be interested in taking any Alzheimer’s drugs anyway.
Then, there is cataracts, which are caused by ultraviolet exposure, and they're pretty much inevitable. If you live long enough, you're going to get them. But, I'm already tracking. I have a very good friend who is an eye doctor. And he tells me, first, that I am never going to get macular degeneration because my macula are so yellow. And regarding cataracts, he says I have a little opacity but nowhere near the operative stage. I realize that it is going to progress, but I am doing all I can to slow it down. I take Carnosine, which is a dipeptide known to protect the lens.
There are also Carnosine eye-drops that are widely available, but I haven't started using those yet. But, I do wear protective lenses when I'm in the sun, and not usually sun glasses. I am referring to prescription lenses that darken in the sun and become sunglasses, as needed.
But, if worst comes to worst, I'll need cataract surgery at some point. And when the times comes, I'll just pay for it. The uninsured always get a steep discount. I'm finding it available for as little as $5000 per eye. So, if I have to shell out $10,000 for that at some point, I will. I'm not going to pay for medical insurance for decades just to avoid it. Who knows, I could get killed first in a car wreck, a tsunami, or by a jealous husband... just kidding.
But, the main thing is that as I enter old age, and I think everyone would agree that when you’re 70, you ain’t young any more, nor are you middle-aged, that my goal is to remain active and vigorous and avoid the “medical stage” of life, where taking medications and going to doctors and having surgeries, etc. is the center of my existence. I don’t want that. I wouldn’t be content with that. And I am determined to have a higher quality of life than that.
To me, life is more about quality than quantity. How long would I like to live? As long as I am feeling well and functioning well and living independently, and staying engaged in the things that I am passionate about, I want to keep waking up in the morning.
I don’t want Medicine intruding on my life. I want as little to do with Medicine as possible. I seriously see it more as a peril than as a savior. And especially in the wake of this Corona crisis, I see Mainstream Medicine as a sick profession, and I do not want to get in their clutches- not at any age.