Hey! 

First off, I know this is a weird title but first let me give you some background before I explain zombie health. 

Have you ever heard of a zombie company? 

Yes. You read that right. 

A zombie company is a distressed business without enough profits to pay operating expenses and service their debt for three consecutive years. 

They are dead in the sense that they don't have enough revenue to pay their bills... 

But they are alive, and in some cases, have multi-billion dollar valuations. 

You might think underwater/zombie companies are rare on Wall Street... especially among the publicly traded firms. Well... guess again. 

As of March of 2023, around 840 companies listed on the NASDAQ and the New York Stock Exchange (NYSE) met the definition of a "zombie company". 

The NYSE and NASDAQ represent approximately 6000 corporations, which means 14% are zombies... or 1 out of every 8 businesses. yikes. 

Which means, some of these companies might be in your portfolio... and you don't even know it! 

These vulnerable businesses lack the extra cash needed to grow their business and even pay down current debt... and their bills. 

One event, market disruption, one more bad quarter, could lead to insolvency and bankruptcy. 

From a personal perspective... 

Imagine a family that barely earns enough to pay the bills. 

They make minimum payments on their credit card... 

They have 2 large car payments. A refinanced home... 3xs over... and they stress out about every expense. 

We call this living paycheck to paycheck because there is never enough left over to save for a rainy day, let alone build anything special. 

Now imagine that any unexpected cost goes on a credit card, from a car repair, a birthday party, etc... and now they start using their credit card for expected costs... like groceries, gas and clothes... 

They can manage for a while... but it is not sustainable. 

And they run out of money. 

From a business perspective... 

It works the same way. 

Companies without enough sales (revenue) to pay their bills utilize debt to stay afloat. 

They may... stagger vendor payments, cut corners on products and services, lay off employees, and ultimately rack up more debt to stay afloat. 

How do zombie companies survive? 

When interest rates remain low, and lenders don't have strict policies for loan approvals, it supports companies that otherwise would die. 

Banks facing a write off often are often willing to refinance debt at low rates in the hopes that the company will turn itself around. The ultra-low rates in the last decade led to an unprecedented number of zombie companies. 

They create an "illusion" that everything is "ok" when it's not... 

The fed hikes have now changed the landscape. That once cheap debt has now more than doubled and now we are about to see the side effects... 

So, what does this have to do with your health?

Every person has the ability to ADAPT to a poor lifestyle.

"Put it on a credit card"
"Print more money"
"kick the can down the road"... whatever you want to call it... we call it... adapting. 

The system that allows for you and I to adapt to smoking a cigarette, eating poorly, sitting for too long, and being lazy is our nervous system. 

It's like our banking system... our very own credit card... our very own internal money printing system when it comes to keeping us afloat... 

But you cannot live however you want without side effects. 

Kicking the can down the road will end for all. 

And from a personal health perspective... 

Imagine people who eat pastries for breakfast 2-3 days a week, rarely sleep well, get lost in the jumble of life and kids schedules, eat 2-3 days on the road because they are "so busy", skip exercise because they are "too tired", pop a tylenol for their random headache, chase it with a diet coke, and only visit a chiropractor when they "feel it" [whatever the heck that means]... these people are living health "paycheck to paycheck"... they are putting disease on a credit card... just kicking the can down the road... and this WILL NOT END WELL... 

It will look like... dis-ease, drugs, treatment, therapy, and medical bills beyond your normal comprehension... 

They can manage for a while... but it is not sustainable. 

And they run out of the ability to adapt... 

This is why it's so important to include weekly chiropractic into your routine of healthy eating, high intensity exercise, and being happy.

​✌🏼

Does insurance cover chiropractic? Absolutely. 
Many health insurance plans cover chiropractic care for acute and short-term conditions. Rarely, do health insurance plans cover maintenance and it's even more rare that insurance will cover wellness chiropractic care for the entire family (Getting checked for subluxation every 7-10 days). 

Chiropractic insurance coverage has different deductibles, copays, coinsurance amounts, and benefit limits. 

Key Takeaways

• Most insurance plans cover chiropractic care when "medically necessary" to alleviate pain or injury. 
• Medicare part B may help cover a percentage of spinal adjustments (they do not cover extremity adjustments - hand, wrist, elbow, shoulder, hip, knee, ankle, etc)
• Medicare does not cover xrays recommended by a chiropractor. So patient will have to pay out of pocket when starting care at a chiropractic office who requires xrays pre-care. Cost will range $95-250 depending on areas xrayed. 
• Auto insurance will cover injuries of an accident but not maintenance after spine is repaired/corrected. 
• Insurance is in the business of making money. They do this by 1.) increasing premiums (the more you use your insurance the more it costs you year after year) and 2.) denying claims (we've all been on this end of "health insurance".) 
• Subluxation can be present without pain or symptoms - so why wait til you can "feel" your problem? 

Why is The Wellness Pointe different? 

• We take care of everyone.
• Our membership plans make care affordable for everyone. 
• We believe anything worth keeping is worth maintaining - your spine health should be included in that. 
• The doctors know everyone by name, not by #patient#number like most health care models. 
• Treatment has a start date and end date of care. Wellness care does not. It is lifetime. 
• Check out the chart below and give us a call to schedule at one of our locations.