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Congratulations every VICTORY over an insurance company is a real

VICTORY!!!! Way to go!!!

(unknown)

Hey Folks!

I have BC/BS of Empire State (New York) through my husband's

employer, IBM. We have the self-managed plan. I started my process by

asking for a predetermination letter. In my letter to the insurance

company, I disclosed that the billing would be done by means of a

" global fee " and what that meant. The 12-page letter that Penny

prepared for the predetermination process also included extensive

dialog regarding the global fee and why this is the process by which

the insurance company would be billed.

A short time after receiving the predetermination letter from me, the

insurance company issued a letter stating that I had satisfied their

requirements for proof that the surgery was a medical necessity.

Their letter had a one-line disclaimer stating that this letter did

not necessarily mean that they would pay the claim. (Which begs the

question: What the heck is a predetermination letter for then?)

Anyway, I went forward with step number two, which was to get a

precertification letter from them. Once again, I disclosed the global

billing fee policy to them and, once again, they failed to address

this issue one way or another.

I borrowed the $17 K from Cosmetic Fee Plan and figured I might have

to pay one payment while awaiting the reimbursement from the

insurance company. When the payment came, it was only for a little

over $3,000. This was what the insurance company determined that the

prevailing rate in North Carolina was for the surgeon. They informed

me that they had no intention of paying for anything else. However,

because I kept great records of who I had spoken with and had the two

letters of predetermination and precertification, IBM's human

resources department went to bat for me -- insisting that the

insurance company had been given ample opportunity to deny service

during the preop stage and had left me with the impression that the

entire amount would be covered. In the meantime, we have made two,

$400 payments (most of which was interest).

Today is day 50 from the date of first submitting my appeal. In the

BIBLE this is the number for the year of Jubilee when all of your

debts are forgiven and you get back the land you may have had to

mortgage to get through the tough times. It is a year to be set free

from bondage! Today I received a call from IBM's Human Resources

department telling me that a check for the balance that the insurance

company owed would be mailed out on Friday or Monday! Praise the

LORD! I feel like I am recovering from the bondage of slavery to

obesity and now I am recovering from the debt associated with the

slavery! This is my year of JUBILEE!!!

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Jansong:

Congratulations! Way to go! Never give up...

Vicki

> Hey Folks!

>

> I have BC/BS of Empire State (New York) through my husband's

> employer, IBM. We have the self-managed plan. I started my process by

> asking for a predetermination letter. In my letter to the insurance

> company, I disclosed that the billing would be done by means of a

> " global fee " and what that meant. The 12-page letter that Penny

> prepared for the predetermination process also included extensive

> dialog regarding the global fee and why this is the process by which

> the insurance company would be billed.

>

> A short time after receiving the predetermination letter from me, the

> insurance company issued a letter stating that I had satisfied their

> requirements for proof that the surgery was a medical necessity.

> Their letter had a one-line disclaimer stating that this letter did

> not necessarily mean that they would pay the claim. (Which begs the

> question: What the heck is a predetermination letter for then?)

> Anyway, I went forward with step number two, which was to get a

> precertification letter from them. Once again, I disclosed the global

> billing fee policy to them and, once again, they failed to address

> this issue one way or another.

>

> I borrowed the $17 K from Cosmetic Fee Plan and figured I might have

> to pay one payment while awaiting the reimbursement from the

> insurance company. When the payment came, it was only for a little

> over $3,000. This was what the insurance company determined that the

> prevailing rate in North Carolina was for the surgeon. They informed

> me that they had no intention of paying for anything else. However,

> because I kept great records of who I had spoken with and had the two

> letters of predetermination and precertification, IBM's human

> resources department went to bat for me -- insisting that the

> insurance company had been given ample opportunity to deny service

> during the preop stage and had left me with the impression that the

> entire amount would be covered. In the meantime, we have made two,

> $400 payments (most of which was interest).

>

> Today is day 50 from the date of first submitting my appeal. In the

> BIBLE this is the number for the year of Jubilee when all of your

> debts are forgiven and you get back the land you may have had to

> mortgage to get through the tough times. It is a year to be set free

> from bondage! Today I received a call from IBM's Human Resources

> department telling me that a check for the balance that the insurance

> company owed would be mailed out on Friday or Monday! Praise the

> LORD! I feel like I am recovering from the bondage of slavery to

> obesity and now I am recovering from the debt associated with the

> slavery! This is my year of JUBILEE!!!

>

>

>

>

>

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Jan I think that is great. I am very happy for anyone who can have their

surgery paid for by the insurance company. God bless and rejoice!!

Sheffield

Concord, NC

11/26/02

261/212

(unknown)

> Hey Folks!

>

> I have BC/BS of Empire State (New York) through my husband's

> employer, IBM. We have the self-managed plan. I started my process by

> asking for a predetermination letter. In my letter to the insurance

> company, I disclosed that the billing would be done by means of a

> " global fee " and what that meant. The 12-page letter that Penny

> prepared for the predetermination process also included extensive

> dialog regarding the global fee and why this is the process by which

> the insurance company would be billed.

>

> A short time after receiving the predetermination letter from me, the

> insurance company issued a letter stating that I had satisfied their

> requirements for proof that the surgery was a medical necessity.

> Their letter had a one-line disclaimer stating that this letter did

> not necessarily mean that they would pay the claim. (Which begs the

> question: What the heck is a predetermination letter for then?)

> Anyway, I went forward with step number two, which was to get a

> precertification letter from them. Once again, I disclosed the global

> billing fee policy to them and, once again, they failed to address

> this issue one way or another.

>

> I borrowed the $17 K from Cosmetic Fee Plan and figured I might have

> to pay one payment while awaiting the reimbursement from the

> insurance company. When the payment came, it was only for a little

> over $3,000. This was what the insurance company determined that the

> prevailing rate in North Carolina was for the surgeon. They informed

> me that they had no intention of paying for anything else. However,

> because I kept great records of who I had spoken with and had the two

> letters of predetermination and precertification, IBM's human

> resources department went to bat for me -- insisting that the

> insurance company had been given ample opportunity to deny service

> during the preop stage and had left me with the impression that the

> entire amount would be covered. In the meantime, we have made two,

> $400 payments (most of which was interest).

>

> Today is day 50 from the date of first submitting my appeal. In the

> BIBLE this is the number for the year of Jubilee when all of your

> debts are forgiven and you get back the land you may have had to

> mortgage to get through the tough times. It is a year to be set free

> from bondage! Today I received a call from IBM's Human Resources

> department telling me that a check for the balance that the insurance

> company owed would be mailed out on Friday or Monday! Praise the

> LORD! I feel like I am recovering from the bondage of slavery to

> obesity and now I am recovering from the debt associated with the

> slavery! This is my year of JUBILEE!!!

>

>

>

>

>

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You should always place essential oils on a moist cottonball(tampon, tissue,

whatever) otherwise it will burn. If you moisten with water it will dilute it

and spread out the oil to cover a much greater area. Your skin will absorb the

water easier than the oil. If you dilute the oil the water will act as a carrier

for the oil. (the same concept is true for almond oil and olive oil they serve

as good carriers for essential oil. Not as good at diluting and absorbency as

water, which is why the water carrier is more effective for this application.

For things like dry skin use olive or apricot oil as carriers because it will

slowly soak into the skin) Please be careful of using straight essential oil.

The less volatile ones may be used straight on certain occasions, but oils like

oregano are highly volatile. Be careful!

peace

tai

" liz_mclellan <orlando2k@...> " <orlando2k@...> wrote:OW!

Well it's an extremely strong oil -- so perhaps you should dilute

with almond oil or omething...but straight YIKES!!!

essitial oils are higly concrented folks be careful!! you can

actually 'burn' your skin ...

> Hi, All.

>

> Someone awhile back mentioned oil of oregano for vaginal itching. I

put a

> few drops on a cotton ball and WOW did it burn. Has anyone else had

this

> same experience? Is this a sign it's working? Should I continue and

if so,

> how often? Please email me directly, if you don't mind, as I can't

always

> find my posted responses easily.

> Thanks.

>

>

>

>

>

> _________________________________________________________________

> The new MSN 8: advanced junk mail protection and 2 months FREE*

> http://join.msn.com/?page=features/junkmail

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Hi - that was me (Ali), not Ann. But what I did was I just bought a

packet of flat pita breads, cut it up into segments, sprayed with some

olive oil and sprinkled on sea salt or cajun seasoning, and baked for

10mins. They're made with wheat flour, so they would only be okay if you

don't have to avoid wheat.

Ali

At 10:40 p.m. 26/01/2003 -0600, you wrote:

>To Ann,

>

>I'm curious about the pita chips: how were they made and with what type of

>flour?

>

> " I used carob in order to get over the chocolate cravings, and I made a LOT

>of pita bread crisps in the oven, to get over the loss of potato chips from

>my diet.

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Austere Medical Solutions run an excellent course in Remote Environment

Medicine.

It's staged at Longworth Hall in Hereford and they run a couple of courses a

year, the next one being June i think.

The course is a week long and recognised by the Royal College of Surgeons.

Hope this is of some help

Andy Turnbull

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could someone tell me if they have ever stay on their period for days and

days while on the treatment I have been on mine for 3 wks I have been on the

treatment for 10 months and going thru alot of die off I had the yeast since

I was a kid I dont know if this is part of the die off or not if someone

knows or can find out please let me know. Thanks

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Hi :

You will appreciate all who are on this group. They all try to be very helpful

and all are friendly.

Jenn in Or

(unknown)

My name is and I'm from Ohio. I joined this group

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Version: 6.0.445 / Virus Database: 250 - Release Date: 1/21/2003

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what kind of oils??

Lucinda

(unknown)

I am interested in making oils, can someone suggest a site to look at. This

is such a great web site. Let me know, please.

THANK YOU!

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Most pita breads I've come across have yeast, so do the pita chips I've seen. I

don't know if those ones do.

tai

Riddle <riddlen71@...> wrote:To Ann,

I'm curious about the pita chips: how were they made and with what type of

flour?

" I used carob in order to get over the chocolate cravings, and I made a LOT

of pita bread crisps in the oven, to get over the loss of potato chips from

my diet. Most potato chips contain MSG in their flavoring, so I will

*never* eat those again. "

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My last period went on for almost three weeks. I've had them last a long time

before too. I think the long or abnormal periods are more of a symptom of

candida, but may also be due to detoxification, shedding of mucus lining, or die

off. I would not be put off from treatment because of it though, your body is

doing what it needs to be doing either way. I have had many abnormalities with

my menstration, long, short, strong, light, painful. I've also had a time when I

did not have a period for 3 years. ALL of this has been candida and

allergen/diet related.

peace

tai

jesston98@... wrote:could someone tell me if they have ever stay on their

period for days and

days while on the treatment I have been on mine for 3 wks I have been on the

treatment for 10 months and going thru alot of die off I had the yeast since

I was a kid I dont know if this is part of the die off or not if someone

knows or can find out please let me know. Thanks

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The brand I got was yeast-free - the trick is to get pita bread that is

completely flat (and read the label). Any pita bread that is slightly

raised will most likely have yeast in it.

I've also looked at commercially-made pita chips, but they all have yeast.

It's much better to make your own! Plus you can add your own seasoning and

have them exactly how you want! :)

Ali

At 01:21 p.m. 28/01/2003 -0800, you wrote:

>Most pita breads I've come across have yeast, so do the pita chips I've

>seen. I don't know if those ones do.

>tai

> Riddle <riddlen71@...> wrote:To Ann,

>

>I'm curious about the pita chips: how were they made and with what type of

>flour?

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ohohoh! What is the brand? I'll see if I can find it.

thanks!

tai

Alison <ali-may@...> wrote:The brand I got was yeast-free - the trick is

to get pita bread that is

completely flat (and read the label). Any pita bread that is slightly

raised will most likely have yeast in it.

I've also looked at commercially-made pita chips, but they all have yeast.

It's much better to make your own! Plus you can add your own seasoning and

have them exactly how you want! :)

Ali

At 01:21 p.m. 28/01/2003 -0800, you wrote:

>Most pita breads I've come across have yeast, so do the pita chips I've

>seen. I don't know if those ones do.

>tai

> Riddle <riddlen71@...> wrote:To Ann,

>

>I'm curious about the pita chips: how were they made and with what type of

>flour?

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The brand is Gianni's - but it may only be available in New Zealand... let

us know if you find it! :)

Ali

At 02:13 p.m. 28/01/2003 -0800, you wrote:

>ohohoh! What is the brand? I'll see if I can find it.

>thanks!

>tai

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, it sounds like your wife has already had chemotheraphy?A woman I

know used a Bare/Rife device on her breast cancer (stage 2) and got to it

before it started spreading exponentially.She had no chemo or radiation.She

had a left breast masectomy and was only 53 years old.She also went on a

jiuce and vegetable diet and quit working.She bombarded the tumors every day

with the Rife/Bare machine.She has been in good health now for over a

year.She is a rare example of what can be done when you catch it early

enough and don't get chemo.If I can be of service let me know.By the way, I

built the Bare machine for her and she still has it, collecting dust in the

back bedroom.Call me if you want...Steve Young.. Los Angeles310-671-3961

>From: " Schwartz " <michael@...>

>Reply-cures for cancer

><cures for cancer >

>Subject: (unknown)

>Date: Tue, 28 Jan 2003 09:54:48 -0500

>

>My wife's Breast Cancer has spread into the liver. Her colour is slightly

>jaundiced and the doctors give us litle hope. Is there anything that any of

>you have used which might help.

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, it sounds like your wife has already had chemotheraphy?A woman I

know used a Bare/Rife device on her breast cancer (stage 2) and got to it

before it started spreading exponentially.She had no chemo or radiation.She

had a left breast masectomy and was only 53 years old.She also went on a

jiuce and vegetable diet and quit working.She bombarded the tumors every day

with the Rife/Bare machine.She has been in good health now for over a

year.She is a rare example of what can be done when you catch it early

enough and don't get chemo.If I can be of service let me know.By the way, I

built the Bare machine for her and she still has it, collecting dust in the

back bedroom.Call me if you want...Steve Young.. Los Angeles310-671-3961

>From: " Schwartz " <michael@...>

>Reply-cures for cancer

><cures for cancer >

>Subject: (unknown)

>Date: Tue, 28 Jan 2003 09:54:48 -0500

>

>My wife's Breast Cancer has spread into the liver. Her colour is slightly

>jaundiced and the doctors give us litle hope. Is there anything that any of

>you have used which might help.

_________________________________________________________________

Protect your PC - get McAfee.com VirusScan Online

http://clinic.mcafee.com/clinic/ibuy/campaign.asp?cid=3963

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Who is the Dr Is he from NYC from NJ

(unknown)

I posted a message a few weeks ago called "Staring Down the Barrel of a Second Surgery." I am happy to say that I had my second Heller Myotomy about ten days ago and I feel great. My current gastroenterologist recommended a much better surgeon who was incredibly knowledgeable about this procedure, was an excellent communicator, and seemed to bend over backwards to ensure that this surgical experience was better than the last. Specifically, he fully explained what went wrong with my first surgery (I received an incomplete Heller Myotomy and the fundoplication was too tight.), he fully explained how he was going to go about re-operating, and he asked that my gastroenterologist be present for the surgery to perform an endoscopy on the spot, ensuring that the myotomy was successful. After the surgery but before I left the hospital, he ordered a post-operative esophogram to make sure that liquids passed into my stomach normally---none of this was done with the first surgery. These great docs have restored my unfettered ability to swallow my food (Yippee!!!!) and has renewed my faith in modern medicine. Lessons learned:A. Don't be lulled into a false sense of security by seemingly impressive surgical credentials (lofty-sounding title, affiliation with a large institution, etc.) If the surgeon does not have specific experience doing myotomies, keep looking for a surgeon. My symptoms were so severe that I just didn't do enough probing.B. Make sure your gastroenterologist ("GE") is really knowledgeable about achalasia. That was part of my problem. My first GE was clueless about this disease so I did not feel confident in her ability to help me find a surgeon. I took that challenge upon myself with disastrous results.C. Once you pick a surgeon, make sure that that surgeon consults closely with your GE, that's what worked for me.I have had some reflux but it responds well to meds and is a small price to pay to eat normally. I hope that this lengthy message helps someone.

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In a message dated 1/29/03 4:07:19 PM Central Standard Time,

riddlen71@... writes:

> Can anyone tell me more about:

> food combining?

> eating for your blood type?

>

>

,

They are two totally different things. Food combining is eating and avoiding

certain food combinations. For example proteins cannot be eaten at the same

time as Carbs, and non starchy veggies can be eaten with both. Fruit must be

eaten alone and digested before any other foods can be eaten.

Eating for your type means that certain foods are beneficial for your blood

type, certain ones are neutral and don't affect you, and other are

detrimental to your health.

Eating for your type requires buying the book, or booklet for your type,

which lists all the foods by category.

As far as food combining goes, I bought a book on it also, but there are

others on this list who know more about it then I do.

Hanida

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Deb,

how much do you weigh? An EAS low carb RTD has only fifteen grams of protein

and two carbs, girl. so unless you are tiny, I'd say you are darn near starving

yourself, especially with only five meals and on a day where you have an orange

julius for breakfast - i'm assuming that's a drink........totally my opinion and

totally up for rebuttal.

C

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Hi Jack and welcome aboard..... Ask whatever it is that you want and

someone here will do their best to answer your questions......

Angel Hugs,

Diane

May Rainbow Dreams Color Your World With Love, Hope, Peace & Unity

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hello, jack. Well, i missed the entire thing you were talking about, and that's

just as well.

You said you hope you find what you need here with this group. I hope you do,

too. and in return, i hope you can find it within yourself to be of help to

someone else when they need it. the door swings both ways and we care about each

other. We take and we give, and of course, as with any group of people on the

computer or in person, not always does everyone agree, but that's life.

i hope you can use the information and opinions found here, and I hope you

recover from this monster called hep c.

sue and gidget

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>

> Deb,

>

> how much do you weigh? An EAS low carb RTD has only fifteen grams

of protein and two carbs, girl. so unless you are tiny, I'd say you

are darn near starving yourself, especially with only five meals and

on a day where you have an orange julius for breakfast - i'm assuming

that's a drink........totally my opinion and totally up for rebuttal.

>

> C

I wish I was tiny. I'm 5'2 about 178 now and according to several

bodyfat calcs on the web about 34% BF. The thing is, I have not been

hungry and I've been able to progress up on the weights on nearly

workout. Except for some hunger yesterday afternoon and I think that

had more to do with the chocolate cake someone brought to work and my

premenstrual cravings instead of real hunger. With my job I can't

eat real food for Meal 2 and Meal 4. I just don't have time. (long

story) Some days I barely have time to suck down the shake. I've

got a box of Myoplex and hate it. They all taste slimy to me.

The orange julius is a orange juice, milk, vanilla protein powder,

maybe some splenda. Would have to look at the recipe. It's pretty

much an equally portioned drink.

If you have an alternative to the RTDs I'm currently using that taste

good, I'm willing to try'em.

Debra

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Hi ,

Not sure about Dr Ramakrishnan, but have been a member in the Budwig group

for a few months. There have been claims of all kinds of cancers cured in

there. (Not All)I've investigated it some & found articles backing it up as

a sound diet. The basics of it are 4Tbs Flaxseed oil, & 4 oz. Cottage Cheese

a day.One guy claims to have taken 4 times that much & no harms done. The

group is at FlaxSeedOil2/

I have more info. If you want some let me know.

Take Care,

Gaylen

>From: " M O'Donovan " <modono5@...>

>Reply-

>

>Subject: [ ] (unknown)

>Date: Wed, 29 Jan 2003 15:25:00 +0000

>

>

>

>Hello

>

>

>I'm interested in making contact with anyone who might know anything of Dr

>Ramakrishnan - an indian homeopath who claims to have successfully cured

>cancers/brain tumors, etc.

>

>Also interested in anyone who has tried the Budwig diet

>

>

>regard

>

>

>

>

>_________________________________________________________________

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