Are you one serious illness away from bankruptcy? Many are.

Those of us with “health” insurance policies think we’re protected from the burden of huge medical bills. You may be surprised to learn that’s just not true. In a Harvard University study of almost 2,000 Americans in bankruptcy court, half said that illness or medical bills drove them to bankruptcy. Every 30 seconds in the United States, someone files for bankruptcy because of a serious health problem. Surprisingly, more than 75 percent of those filing for bankruptcy had insurance, losing their coverage during the course of their illness. Thus, they face the double disaster of illness and bankruptcy.

“If you’re sick enough, long enough, you’re likely to be financially ruined,” cautioned Dr. David Himmelstein the lead author of the Harvard study.

Bankruptcy is increasingly accompanying serious health problems. In fact, people who go under from medical debt are mostly middle-class or working-class people who own their own homes. The solution? Don’t get sick, of course. But how?

Keep in mind, health is our normal, natural state. Many people neglect their health, paying attention to it only when their symptoms become unmanageable. By then, problems can become severe, often becoming irreversible. That is why I sometimes sound like a broken record, constantly suggesting preventive and wellness visits, instead of coming in only when pain is present.

This is not simply my opinion. As we’ve discussed before – Chiropractic saves you money in the long term. A 7 year study conducted by an independent physician association found that patients’ regular utilization of chiropractic care reduced the need for: hospitilization by 60%, hospital days by 59%,pharmaceutical usage by 85%, outpatient surgeries & procedures by 62%, and overall global health care costs by 50%.

Visiting our office when you’re feeling great, may sound a little strange to your health insurance provider. It may even sound strange to you. But preventive measures may actually provide more “insurance” than your insurance.

Otitis media (more commonly known as an ear infection) is a generic name for several conditions that can affect the middle ear, including inflammation of the middle ear, ranging from acute to chronic and with or without symptoms.

Acute otitis media (AOM) is characterized by symptoms of pain and fever. Otitis media with effusion (OME) is typified by the presence of fluid in the middle ear without signs or symptoms of infection. Ear infections account for over 35% of all pediatrician visits in the United States. Antibiotics are not always effective and may even lead to a recurrence of ear infections.

In a commentary published in the October 20, 2011 issue of The Journal of Pediatrics, Dr. Eric Hassall cautions that medicine has turned normal function in infants into a disease complete with drug therapy and the resulting list of adverse events.

The problem lies in the fact that many doctors are viewing frequent spitting up, irritability and unexplained crying in infants under the age of one as a medical condition because the symptoms are distressing to parents. This has resulted in an increase in written prescriptions for acid-suppression medication over the last decade.