How To Be Money Savvy With Your Wellness


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A newly diagnosed Lyme patient remarked to me recently that it seems like you have to be rich to get better. That’s especially true for Lyme, but for a lot of folks with chronic illnesses or complex health challenges, many of the most helpful healing modalities are not covered by insurance. But even if you’re sticking with practitioners who are covered by insurance, the out-of-pocket costs can really add up. That said, there are ways to get well without spending beaucoup bucks. Also, sometimes you can just get lucky. I’m not sure how my doctor managed it, but I was able to get 21 months of oral antibiotics covered by insurance on two different insurance plans, one of which was the state insurance we have here in Massachusetts. Nothing fancy. The most I ever had to pay for antibiotics was $60 a month, and that only happened a couple times when I had to get Tetracycline compounded. Everything else was less than $10 a month. I was fortunate in that regard but I still needed to find ways to afford all the wellness treatments I wanted to pursue. Since I’ve been on my healing journey for 15 years and without a regular income for several of those years, I had some time to learn a few things about cost saving.

Here are some of my favorite tricks for saving money and keeping costs down:

  • Get really clear on what your insurance does cover. There are plans that cover acupuncture, chiropractic, physical therapy, etc., and if you are not beholden to a particular insurance through your employer, you might shop for one that offers coverage for the visits you need the most. If there is a practitioner that you really love, look for insurance that they take so it’s easier for you to see them.

  • Connect with a support group and/or find other people in your community with your condition or similar conditions. This is the best way to find all the best deals on practitioners, products, and services. Real people can tell you everything the internet cannot. Also, there are a lot of practitioners who fly under the radar to protect themselves, and you really need to know a gal who knows a gal to find out about them.

  • Seek out practitioners with sliding scales. A lot of sick people are broke and healers know that. I have found herbalists, coaches, and acupuncturists with sliding scales.

  • Choose “community” options for acupuncture, chiropractic, and other treatments whenever possible. I was able to find community acupuncture with a sliding scale that starts at $20 a treatment. Private treatment in my area is typically $80 a session. Small group coaching is also an option for folks who cannot afford one-on-one sessions.

  • Consider trying the natural route. Herbs can be way cheaper than prescription drugs. Emphasis on “can be.” It really depends on who you’re working with and what you’re taking.

  • Work with your community to do bulk ordering/resource sharing. Let’s say you want a Rife machine, which retails for about $800. You can find other people in your community who want one then buy it and use it collectively. Or if you need to order herbs, tea, vitamins, etc., it’s cheaper to buy in bulk, so ask around for neighbors or friends who want the same meds. You can also do this with CSAs or food delivery services, which can save energy as well as money. Finding buddies can be a good vehicle for affordable semi-private yoga, personal training, and other at-home fitness services as well.

  • Make use of coupons, credit card points, and loyalty cards. Look for health food stores with loyalty programs or memberships and look for sales on the things you use a lot. Pure Formulas offers free shipping and gives you a few different discount codes when you start ordering from them. For what I buy the most, I’ve found the best prices on Amazon so I share a Prime account with family to get free shipping. I got an Amazon credit card, which gives you money back to use on Amazon, and use that for almost everything in my life. This helps me knock some money off my herb orders on a pretty regular basis.

  • Keep track of your medical expenses. If you spend more than 10% of your income on medical expenses, you can deduct them from your taxes. The list of what you can claim is pretty extensive and includes transportation to and from doctor’s visits, as well as fees for “non-traditional medical practitioners.” You need to itemize to do this, meaning you can’t take the standard deduction and you can’t include anything that you pay for with a Health Savings or Flexible Spending Account. Read more about how to claim your deduction here.

  • Seek out free or low cost clinics. NeedyMeds is a great resources for finding free, low-cost and sliding scale clinics near you.

  • Be willing to get to the root cause of your symptoms. This is a controversial one and something I’ll write more about in a future post. Allopathic medicine is designed to keep you alive and treat symptoms, not root causes. This means that you could spend your whole life, and whole paycheck, treating symptoms without ever getting to bottom of what is causing them. Sure, you might feel better, but you might also be needlessly spending $300 a month on prescription drugs that make you feel better when you could spend the same amount to actually treat something and eventually be done with it. Choosing to search for the root cause requires some grit and ruthlessness, but it can save you a lot of money and suffering in the long run.

Noëlle Janka is a yoga teacher and a life coach for individuals with health challenges. A perennial student of healing, and a chronic illness survivor herself, Noëlle believes that acting from the heart is the best medicine and thrives on supporting others in doing more of what they love.

This article was republished from noellejanka.com.

See also:
How Planned Parenthood Has Helped Millions Of Women, Including Me
Is A Wealthy Heart A Healthy Heart?

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April 2018

Usui Holy Fire II Reiki I Prerequisite: a desire to learn Reiki Study includes the history of Reiki, the Reiki principles, the hand positions used to give Reiki to yourself and to others,...

Cost: $175 (pre-registration required)

Where:
The Studio at One Earth
191 Emery Mills Road
Shapleigh, ME  04076
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Sponsor: The Studio at One Earth
Telephone: 207-636-2500
Contact Name: The Studio at One Earth
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Sunday yoga is back! Hatha Yoga with meditation to get you ready to tackle your spring intentions. Sign up for series or drop in. 

Cost: $75/5 classes; drop in $17.00

Where:
Dragonfly Wellness Center
176 Jackson Rd
Devens, MA
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Sponsor: Dragonfly Wellness Center
Telephone: 978-227-8297
Contact Name: Anita Perry
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Have you done yoga before but feel a little rusty? Haven't been on your mat in a while? Yoga Basics is a great place to begin again. Do you feel you need motivation to jump-start your...

Cost: $60

Where:
YogaLife Institute of NH
6 Chestnut Street
Lower Level
Exeter, NH  03833
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Sponsor: YogaLife Institute of NH
Telephone: 603-969-8968
Contact Name: Brian Serven
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This workshop is part of the At the Heart of the Matter: a series of workshops about all things HEART. How do we connect with our hearts? And what keeps us from staying connected? In this...

Cost: $35

Where:
Newtonville, MA


Telephone: 617-913-0683
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Feel the bliss of opening your spine, while being totally supported and meticulously aligned. Great for sciatica and low back pain! Classes also held Saturday mornings.

Cost: $18 drop in

Where:
Bliss Through Yoga
484 Bedford St
East Bridgewater, MA  02333
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Sponsor: Bliss Through Yoga
Telephone: 508-331-3564
Contact Name: Janice
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As springtime rolls around, many of us get out our trash bags, buckets, and boxes in order to clean out and tidy up our homes and offices. Physically cleaning our spaces is great and all, but did...

Cost: Free

Where:
WeWork
31 St. James Ave
Boston, MA  02116
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Sponsor: The Kabbalah Center
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Ayurvedic practitioner. Presenting a 28-day program designed to initiate and maximize detoxification and nourishment of your body, mind and soul, inspiring results that can last a lifetime. For...

Where:
Concord, MA


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This workshop is part of the At the Heart of the Matter: a series of workshops about all things HEART. What does it mean to be deeply touched inside? To feel something deeply? To be connected?...

Cost: $35

Where:
Newtonville, MA


Telephone: 617-913-0683
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Join Mediums Laura Wooster and Andrew Dee for an evening of mediumship! In addition to sharing how you also can become more aware of your connection to passed loved ones, Laura and Andrew will...

Cost: $40

Where:
Circles of Wisdom
90 Main Street
Andover, MA  01835
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Sponsor: Circles of Wisdom
Telephone: 978-474-8010
Contact Name: Cathy Kneeland
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YogaLife studio would like to offer this opportunity to slow it down, step back, notice your breath and sit quietly in community. Join us Thursdays from 5:40-6:30 PM. No Yoga...

Cost: Free

Where:
YogaLife Institute
6 Chestnut Street
Suite A
Exeter, MA  03833
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Telephone: 603-969-8968
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Ann Barker will be seeing clients on Friday, April 27th and Saturday, April 28th at Balance Bethlehem. Call to book your appointment today! This non-invasive screening utilizes a thermal...

Cost: Varies

Where:
Balance Bethlehem
2087 Main Street
Bethlehem, NH  03574
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Sponsor: Ann Barker
Telephone: 603-897-9645
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Friday, April 27 - Sunday, April 29, 2018 April Ropes and Ritu Kapur Sohum’s 3rd Annual Retreat will be offered in Beautiful Berkshires, The Spirit Fire Meditative Retreat Center in...

Cost: $385

Where:
Spirit Fire Retreat Center
407 W. Leyden Road
Leyden, MA  01337
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Sponsor: www.SOHUM.org
Telephone: 508-329-3338
Contact Name: Ritu Kapur
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April 27 - 29, 2018 What if there were 5 love languages in the bedroom…and you had a secret decoder ring? Imagine the erotic satisfaction you could unlock…for yourself and for...

Cost: $1097*/couple; Early bird $997* by Feb 14, 2018

Where:
Angel’s Rest Retreat Center
63 North County Road
Leyden, MA  01301
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Sponsor: Conscious Intimacy
Telephone: 415-244-1652
Contact Name: Brynn Bishop
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Ann Barker will be seeing clients on Friday, April 27th and Saturday, April 28th at Balance Bethlehem. Call to book your appointment today! This non-invasive screening utilizes a thermal...

Cost: Varies

Where:
Balance Bethlehem
2087 Main Street
Bethlehem, NH  03574
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Sponsor: Ann Barker
Telephone: 603-897-9645
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India Discovery Center is pleased to announce the next seminar in the “Let us explore the Cultural History of India.” The fourth event entitled “Seminar on the Golden Period,...

Cost: $20

Where:
Bemis Hall
15 Bedford Road
Lincoln, MA  01773
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Sponsor: India Discovery Center
Telephone: 781-259-0029
Contact Name: Bijoy Misra
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World Qigong Taichi Day is celebrated globally, and at Eastover, it is a day of free presentations, demonstrations and mini-classes offered by nationally recognized leaders in Taichi, Qigong,...

Cost: Free

Where:
Eastover Estate & Retreat Center
430 East Street
Lenox, MA  01240
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Sponsor: Eastover Estate & Retreat Center
Telephone: 866-264-5139
Contact Name: Yingxing Wang
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April 28 - 29, 2018 Led by Marconics Teacher Practitioners:  Josh Brotherton and Nadine Muhammad To register:  From US:  Tel: 774-987-9449 Email: yourhealinglight@gmail.com...

Cost: $450

Where:
Suffield Massage Therapy and Wellness Center
230 Mountain Rd
Suffield, CT  06078
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Sponsor: Marconics
Telephone: 774-987-9449
Contact Name: Josh Brotherton
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With award winning author Nancy Smith. Starts April 28th, 7-month certification program about Akashic records. One Saturday a month, 10am - 4pm. womenofwisdominc.com

Cost: $860

Where:
Women of Wisdom
North Easton, MA


Telephone: 508-230-3860
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Be a part of healing history! The last saturday of April each year in hundreds of cities, spanning over 80 nations, people come together…to breath together and provide a healing vision...

Cost: Free

Where:
Elm Park
Russell St
Worcester, MA  01609
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Sponsor: Kung Fu & Tai Chi Academy of New England
Telephone: (774) 321-6611
Contact Name: Sifu Gary
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2018 Eclectic-Fest! Our fourth event that is building community, celebrating all spiritual beliefs and practice. Free parking and free admission. Featuring aura photography by the...

Cost: Free admission

Where:
Taunton V.F.W.
82 Ingell Street
Taunton, MA  02780


Sponsor: The Enchanted Forest Taunton
Telephone: 774-208-6195
Contact Name: Brother Granite
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