In August and September I had gone to see a chiropractor and paid  out of pocket since this individual was not on the list of preferred providers.  When I have an appointment with a preferred provider, I pay $15 per visit.  When I have an appointment with a doctor who is not a preferred provider  (PPO)there is no deductible.  The insurance company, American Specialty Health, then pays them the amount allowed.  Yes, the doctor must sign up to be on the preferred provider  hit list.   Since my chiropractor is not  PPO, I was told I would get the exact amount of money I paid out and it would go towards my yearly amount allowed.

I sent it first to Health Net, my insurance carrier, who did not tell me that I needed to send it to American Specialty Insurance who handles chiropractic claims.  When I sent it to them,  I was given reason upon reason why they would not allow it.

When I talked to customer service they informed me that I needed a receipt.  I told them it would be fraud if I and the chiropractor lied which was shown on the  insurance claim  filed.  Customer service then talked to their supervisor who gave it the okay.

I followed up a couple of days later and I once again got the run around.  American Specialty Insurance said I  need to put the amounts in the “charge box” area to go along with the codes.  I sent the correct amounts with the codes only to get  a letter stating that the doctors name and address are illegible.   As I look at the claim it is clearly printed, not written.  So now I will send it to them again, highlight it in yellow so they can clearly see it.

On another note, I was told that  claims  need to be submitted in a certain  time frame or they would not be accepted.  The person did not  tell me how much time I had left before American Specialty would not accept the claim.

I am still in the process of trying to  receive t he money I  laid out for two sessions.  Nothing like insurance companies trying “screw” the public.

One of pops favorite quotes, “go to the roundhouse you can’t get  cornered there.”  Hmm, what did he mean by that?   I remember that quote  from way back in my early days of childhood.  I had always thought that was a funny quote and would share it from to time  with friends.  However, with the passing of the twenty-four  hour clock, I finally go it……………

When pop was cornered he would say, ” you all a bunch of lawyers?”  Maybe that was how he got out of a jam?  Well, he didn’t do too well when he gambled and owed money to a  shylock.  The phone calls would keep comin from the multitude of people he owed dollars and cents to.  Besides gambling, pop had a good knack for throwing money away and having the family live on edge.  That is probably the reason, I had difficulty with money as well.  However, I never liked betting on the horses like dad did and  throwing the dollars out the  window.

Hell, when I got cornered it wasn’t roundhouse but   the merry-go-round.  Yep, my drug of choice  was the merry-go-round  which was somewhat different then the roundhouse.  Round and round I would go on the horse and trying to catch the magic ring.

Yep, through the difficult times I would ask, “what did I do to deserve this?”  I am a good person and I am trying soooooooo hard.  Why are you (God, Spirit, Universe) doing this to me?  Hey, tis not my fault because…………………

Well, after  getting tired of the the merry-go-round, I would just give up and ask the universe, ” hey ,what are you trying to tell me?”    Alright, I get it, you love me and its okay whatever is a happenin in my life.  If I ever get cornered  in the roundhouse  or looking for the magic key as I go round  and round in the merry-go-round, I  will now look for the signs that got me there in the first.  What  is my lesson pray tell?  Alright, I will let go of control because I set this scenario up and not you.

Definition: The sum of person’s actions in this and previous states of existence, viewed  as deciding their fate in future existences.  Informal destiny  or fate following as affect from cause.  ”In other words what you sew so shall you reap in this life and  following lives.”

Okay that seems simple enough don’t you think?  If you rob someone you are going to get robbed in this life or another  or possibly go to jail. Which brings to mind this story of a close friend.

My friend (we will call him Al) worked for an insurance agent who was also trying to obtain loans for individuals through  his make shift lender. Interest rates were very high at this time somewhere in the vicinity  of  21%.  Al stated  he knew the lender’s facility was  set up in the Bahamas.  He  also saw telexes being faxed to Mexico City and China from the insurance agents home.  What he did not know was that it was all a scam.

Al never made very little  money waiting for the so called lenders to approve a loan.  The  money he did make was from the insurance agent selling some policies in order for the client to obtain a loan. Unfortunately they never  came through because it was a scam.  Eventually he  was arrested and taken to jail for being part of the scam .  Al was an  honest person and did not realize he was being duped.

Al told me he called psychic who stated to him, “you were once a thief in a previous life and are now paying for that misdeed.”  Al was eventually proven innocent (he had a lawyer) but had to go through the turmoil of possibly going to jail for a long period of time.  Bad karma will eventually catch up to us. There is no escape!

The actions of past lives determine the conditions and circumstances of the present life, and the actions of the present life have their share in determining the conditions and circumstances of future lives.  Successive incarnations of the individual soul yield their full significance only in the light to of the operation of the law of karma, “Meher Baba”

Yes, there is also good karma as well which will determine future lives.  These individuals will experience the pleasures of heaven.  As an example, if one loves music just thinking about it will provide joy.  The pleasures in heaven are more so then the pleasures of Earthly life since one does not have a physcial body.

When one dies, that individual severs connection with the  Earthly body and connects with his/her Astral Body which is much finer.  From their that individual stays connected with Earth for a  period of four days and then can experience the heaven or hell state.  Time in the Astral Plane (heaven and hell) are much different then time on Earth.

If humanity understood the reality of karma, people would not be so foolish to take advantage of others through greed, power, control, etc.