In this issue:
Welcome, by Trisha Howell, editor
Stem Enhance: Renewed Youth for You, by Dean Howell, ND
Orienting You to NeuroCranial Restructuring, by Trisha Howell
What is Wrong With Health Insurance? by Dean Howell, ND

By Trisha Howell, editor

Welcome to the first issue of Dr. Dean Howell’s health newsletter! Here you’ll find information on NeuroCranial Restructuring—the revolutionary physical medicine technique developed by Dr. Howell—as well as articles on a variety of topics beneficial to your health.

Dr. Howell is a naturopathic physician, which is a doctor trained to treat the cause, rather than only the symptoms, of health challenges. He was in the first graduating class (1982) of the John Bastyr College of Naturopathic Medicine (near Seattle, Washington), which is one of the top naturopathic medical schools in the world. Dr. Howell was in family practice for over a decade, and at that time he was the busiest and most successful naturopath in Washington State.

However, Dr. Howell’s research and astounding clinical results in physical medicine led him to focus exclusively on that by 1995. Since this time, thousands of patients from all over the world have traveled to Seattle and other locations to get NeuroCranial Restructuring (NeuroCranial Restructuring) with Dr. Howell. Dr. Howell has also trained over 50 doctors in this incredibly versatile and effective technique. One of his goals is to train at least 500 doctors worldwide in NeuroCranial Restructuring so that people all over the planet will have access to the unique benefits that NeuroCranial Restructuring can provide.

Dr. Howell is the most intelligent, knowledgeable, and compassionate physician I’ve ever met. (As his wife, I may be rather biased, but I do remember being impressed by his wisdom, his amazingly healing presence, and his gentle caring from the first moment I met him—before I had any personal connection with him.) I’m very excited that he will be sharing his encyclopedic health knowledge with readers of this newsletter!

By Dean Howell, ND

During my 24 years of practicing medicine, I have used thousands of different health supplements and have even developed several tinctures and vitamin powders myself. All have their uses, helping many people much of the time. But I rarely find a supplement that truly impresses me with its far-reaching results and excites me with its potential. So when colleagues raved to me about Stem Enhance, I took it with a grain of salt as I do all such claims.

Stem Tech Health approached me last November to try StemEnhance, their patented extract of Klamath Lake blue-green algae. It is designed by stem cell research scientists to increase the circulating blood levels of adult stem cells, and I have been using the product since then. For the first month, I didn’t notice any changes, but then gradually I perceived an increasing sense of well-being. Other benefits followed. I think this is a great product, and it is the first nutritional supplement that I have ever endorsed in print!

It continues to work on me. What I first noticed was an increase in energy. Then people began telling me that I was looking younger. I started waking up in the morning feeling restless, like I needed to be active. My grey hairs began turning blonde again. After a few months, I noticed that the “age spots” (the little brown spots on my hands) were fading away, and the old scars that had been getting larger and more noticeable started smoothing out. My blonde/brown hair used to bleach blond in the sun, and that stopped happening ten years ago. This year my hair is sun-bleaching a platinum color again!

I recommended the StemEnhance to a few patients in Venezuela, and they reported the same sort of gradual improvements in their energy and bodies. My father began taking it, and after three weeks of use his heart arrhythmia improved enough that he resumed playing his favorite golf courses that had hills to climb. He said that he had less shortness of breath. A chemist patient of mine said that he started feeling younger after only three days.

How does it work? There is a study showing that the blood levels of adult stem cells increase 27% thirty minutes after taking two capsules of StemEnhance. “So what!” you might say.

You have probably read about the controversy surrounding stem cell research and perhaps not understood the implications. Most of the research is performed on neonatal stem cells. These cells are found in young, embryonic babies, and they differentiate and become the tissues of the “mature” baby. The excitement is from this prospect: we can grow new organs and other body parts in a laboratory for adults who are suffering from diseased or worn out body parts! It sounds good until you look more closely. The first problem is that the scientists gather these stem cells from umbilical cords, dead babies, and aborted embryos. The second problem is the science fiction feeling of growing new organs in laboratories and surgically inserting them into recipients’ bodies. Why not prevent the deterioration of the bodies instead of replacing the parts after they fail?

This is what inspired the founders of Stem Tech to find out how to stimulate the activity of adult stem cells. These are the primitive cells that differentiate into the specialized cells needed to repair body tissues. So when your body decides that it needs to repair, for instance, your skin, then there is a signal sent to release adult stem cells into the blood stream. The stem cells move to the skin targeted for repairs, then differentiate into the local skin type and begin healing the damaged skin. Since our cells are very small, each tissue has millions of cells. So we need many stem cells to repair our bodies. A small increase in the number of circulating adult stem cells means a great deal more tissue healing can be accomplished. This is especially important for those of us well past thirty years of age.

I am more excited by the disappearance of my age spots than I am by the increase in energy. There are many ways to increase energy, and most of them are temporary. But the gradual improvement in my skin indicates that something more powerful is at work here: The increase in the number of adult stem cells allows more of my body’s healing needs to be met. Before StemEnhance, only the greatest needs could be answered, and all of the other tissues’ requests were ignored. Now more and more tissues are healing. This is shown by the disappearance of the age spots. After all, they are unsightly but not particularly important for the functions of the body. So when the age spots disappear, then many other areas must have already been repaired.

One thing I didn’t like about StemEnhance is that it is available only through a multi-level marketing system. MLMs are often maligned for being over-priced and seemingly unfair to the end-user. However, StemEnhance is sold though a MLM called Stem Tech, and they have made the pricing system fairer than other MLMs. StemEnhance sounds expensive at $60 for a sixty capsule bottle plus shipping. However, it is really worth the cost, since you will need only one or two bottles monthly and the results are truly great. If you are buying very much product, then you can save money by becoming a distributor for only $25. After that, each bottle of StemEnhance costs only $40 plus shipping. When you see me for treatment at my office, you can buy bottles for $50 each (because I paid the shipping)! Call my sister, DeeDee, at (888) 252-0411, or go to http://www.ncr01.stemtechhealth.com

StemEnhance is a patented extract of Klamath Lake blue-green algae. This is not the same product as E-3 Live or Sun Chlorella, even though they are Klamath Lake blue-green algae products too. The StemEnhance is only the stem cell activating portions of the blue-green algae, so you need only 1 or 2 caps twice daily to get the full effect. I tried larger dosages, and I didn’t notice any improvement over my personal dosage of 2 capsules twice a day. If you weigh less than 120 lbs., I don’t think that you need more than 1 capsule twice daily. (It will save you money to take the smaller dosage!)

I hope this article has convinced you to try StemEnhance. Or contact me through the newsletter and I will answer your questions online!

ORIENTING YOU TO NeuroCranial Restructuring
By Trisha Howell

WHAT IS NeuroCranial Restructuring?
NeuroCranial Restructuring is the most powerful manipulation technique in existence. Developed over 24 years by Dr. Dean Howell, N.D., NeuroCranial Restructuring creates permanent, incremental improvement in your structure. This allows your body to return to its original design—your best-looking, most vibrant, harmonious, pain-free, and energetic mode of functioning.

NeuroCranial Restructuring can dramatically change your looks and your life in as little as 4 days (one sequence) of treatment. Each day you will receive a special NeuroCranial Restructuring massage, external cranial manipulation, a thorough proprioceptive examination, and a precise and individualized internal manipulation of the sphenoid bone—the key to unlocking and creating a more functional stability throughout your entire body. Before and after photos are provided so that you can objectively see your improvement in addition to feeling its profound effects.

WHAT DOES NeuroCranial Restructuring TREAT?
NeuroCranial Restructuring can permanently improve your posture, facial beauty, mental and emotional clarity as well as a wide variety of health disorders.

Significant results are routinely expected for:

  • Anxiety and nervousness
  • Arthritis, bursitis, rheumatism
  • Attention Deficit Disorder, dyslexia, hyperactivity and other learning disabilities
  • Autism
  • Cerebral palsy
  • Concussion and other head injuries
  • Depression, obsessive-compulsive disorder
  • Down’s Syndrome
  • Dystonia
  • Ear infection and deafness
  • Glaucoma, double vision and other vision problems
  • Headaches, head pressure, migraines
  • Insomnia
  • Low energy, fibromyalgia, chronic fatigue
  • Muscle spasms, neck and shoulder pain
  • Organ functioning
  • Orthodontic stress and bruxism
  • Osteoporosis
  • Parkinson’s disease and tremors
  • Phobias
  • Poor concentration and focus
  • Relationship difficulties
  • Sciatica, kyphosis (hunchback), lordosis (swayback), scoliosis (spiral spine), military spine, and other back problems
  • Seizures
  • Sinusitis, sleep apnea, snoring, other breathing and sinus disorders
  • Strokes
  • Tinnitus
  • TMD, TMJ (mouth, head, and jaw pains)
  • Vertigo and other balance problems
  • Whiplash Syndrome
  • Wrinkles (NeuroCranial Restructuring replaces a face lift)

NeuroCranial Restructuring helps these conditions (and others) because they all have either a structural cause or a significant structural component.

WHY DO I NEED NeuroCranial Restructuring?
Starting with the birthing process, your head has received a series of traumas that impair the functioning of your entire nervous system. Falls, car accidents, sports injuries, fevers, infections as well as other physical and emotional traumas can all cause your head to move and lock into undesirable shapes and positions, making you look and feel worse. We have found that the structural priority of the body is cranial stability, so your spine and muscles will assume whatever position necessary (however painful) to adequately support your head.

To achieve your best looks and functional stability, then, your head—and through it your spine and entire nervous system—must be returned to its optimal shape and position, which can be accomplished through NeuroCranial Restructuring therapy. Side effects of NeuroCranial Restructuring treatment include increased energy, happiness, inner peace, mental acuity, pleasant interpersonal relationships, youthful appearance, facial symmetry, and beauty.

NeuroCranial Restructuring-01 is your club for NeuroCranial Restructuring. Contact us at (888) 252-0411 today for more information or to make an appointment. You can also order Dr. Howell’s book, NeuroCranial Restructuring: Unleash Your Structural Power (3 rd Edition—2000; $11.95), his newer orientation video,NeuroCranial Restructuring : The Ultimate Cranial Therapy (2001 Video–$19.95), the book and video on a CD-ROM ($19.95), or his older (1996) orientation video NeuroCranial Restructuring : The Video ($9.95) by calling our office or going online towww.HowellCanyonPress.com

By Dean Howell, ND

A lady was talking with me recently, and she said she would love to have health care treatment with me. But she couldn’t because her insurance coverage did not include naturopathic physicians. When asked which of her chosen health care services were covered by her insurance, she replied that only medical (illness) care was covered, and none of her health care was covered. So, I said, why do you have insurance when you pay for most of your health care out-of-pocket?

She keeps her insurance because of her fear of the costs of illness care and hospitalization in medical catastrophes. So she spends over $5,000 annually to soothe her fears, and then she pays out of pocket for almost all of her health care. Since she isn’t wealthy, she has to choose very carefully her nutritional supplements and treatments. Care with me was not affordable, because medical insurance pays little or nothing for “alternative” health care. Seniors and people with diabetes, chronic infections, or neurological diseases sometimes pay $10,000-$15,000 annually for medical insurance, all because of their justifiable fears of high medical bills, even when they pay for much of their health care themselves.

Why don’t insurance companies pay for most out-patient health care but instead focus on illness care? The obvious answer is that illness care is more profitable. How is it more profitable? The answer is subtle, and it will take some explaining to reveal the truth.

How does the insurance industry work? To most of us, it seems like this:

  • You agree to purchase a health insurance policy in which you are added to a group, or you are added to your employer’s plan and group.
  • The insurance policy has associated terms of the amount of deductibles (you pay first) for laboratory, radiology, emergency room, hospital admissions, office calls, and pharmaceuticals. Once these deductibles are met, the insurance pays the rest of these same costs. The higher the deductibles and the fewer treatments or coverages allowed, then the lower the cost of your medical insurance.
  • The insurance policy also has definitions that describe what medical and health care services will be covered. Lately, for many health care and medical consumers, most of their health care expenses do not meet any of these definitions, limiting them to emergency and illness care after paying their deductibles.
  • The insurance company bets that your group will require less funding than your group is charged by the insurance company. If the costs are higher than the charges, then the insurance company loses money.

Or so it would appear. This is the scenario used by the government when it determines how much to allow the insurance industry to raise medical insurance costs each year—-the insurance industry is not required to lose money, but they are not permitted to make very much money either. This is an important fact.

One thousand middle-aged, healthy customers will pay about $5,000,000 a year. These customers will have to spend around $1,000,000 on assorted medical costs before the insurance company will have to spend much money. How likely are the companies to spend more than $6,000,000 on medical care for these 1,000 customers? That is the bet that they base their rates upon. The first $1,000,000 is the customers’ composite deductible responsibility. Then the cost of medical and approved health care, plus the cost of administration and operations must be less than $5,000,000 or they lose money.

Or do they? There is an unstated factor that makes insurance much more profitable. This is obvious if you look at the television advertising for insurance companies. They tout the reliability and stability of the insurance company because of the real estate, stocks, and bonds that they own, which ensure that the companies will remain solvent in the face of catastrophe. How do they buy these things? Of course, it is with the money you initially pay for your insurance policy and every payment you make later.

One insurance company executive told me that the insurance companies receive 10% to 20% annual profit from their investments. So this means that every $5000 that you give the insurance company becomes $5500 to $6000 in a year, and becomes $10,000 in three to seven years if it is carefully invested in stocks and bonds. Or with $5,000,000 from one thousand customers, the insurance company can have $1,000,000 in ready cash and buy $20,000,000 in real estate (with a $4,000,000 down payment). After that, the real estate will make the bank payments without any additional money from the insurance company.

So this is actually how it works: a bill is sent by your medical provider to the insurance company. They delay for two weeks, asking for additional records to verify that it is an approvable procedure. Approval is granted. If your deductible has been reached, the insurance company can wait 60 to 90 days before paying your bill to your health care providers. This is without spending some of the $1,000,000 they held for expenses from before. Meanwhile, the one thousand customers have given the insurance company $1,500,000 to $2,000,000 in additional payments before they pay your bill.

Is the insurance business beginning to look more profitable? It is obvious that a few things must be done in order to make an insurance company profitable:

  • Get many healthy people into the insurance group. These people are the nice folks who pay for the treatment of the sickly members of the group.
  • The sickly members will stay with the insurance company forever, because a new company will decline to insure them. This means that you can charge them as much as you want, softening the costs of their continued treatment.
  • Fight with your customers about every possible medical cost, avoiding or delaying payment as long as possible.
  • (Once I was trying to convince an insurance executive to fund a research project of mine to demonstrate lower costs in the treatment of whiplash injuries. After carefully explaining my project and pointing out that the advantages of my successful cases were the lower costs of treatments and the lower costs of legal settlements, I was surprised when he said, “What makes you think that we want to lower the costs of treatments and settlements?”)
  • Keep the costs of health care as high as possible. Insurers must show the state insurance commissioners their books, so no investment profits will show (a different sister company has the profits), and the high expenses will allow them to justify charging more. This keeps the insurance rates as high as is legally possible, and this is the money that they invest! If you understand the impact of Items 1, 2, and 3, you will understand that the insurance company will make more money with higher health care costs than with lower health care costs. This is the carefully hidden flaw in our health care model!

So the insurance companies embrace all high technology diagnostic techniques and therapies, effective or not, and require as much paperwork and justification as possible from the health care community in order to raise the cost of treatment and to delay the time of payment, allowing more money to be invested, increasing insurance company profits more than the increasing costs debit the company. Isn’t that slick? Remember, we all suffer because of this clever ruse.

What is the better alternative? First, get control of your lifestyle and home/work environments by eating pure foods and avoiding electrical, chemical, and other environmental toxins. Next, detoxify your body to rid yourself of the accumulated poisons of your life so far. These will ensure that you will be healthier. Realize that the drug/surgery model does not make you healthy; it makes insurance and drug companies rich. Next, at most buy only catastrophic health care coverage ($10,000+ deductible) and thus save most of the money you would be spending if you were still buying regular medical insurance. If you avoid expensive outpatient care or hospitalization for a year or two, you will have saved as much as the deductible, and then you can begin an investment program of your own with your saved “insurance payments”. If you avoid tapping your health fund for ten years, you could have $30,000 to $50,000 saved! If you don’t, you will still have more money than you do now.

Get rid of your traditional health/illness insurance now! Stop supporting the abusers of health insurance, who are the people with poor lifestyles and bad habits. Let them take care of themselves. The rest of us should stop making insurance companies rich and keep our money for our own!

If you have any interesting health news that you would like to contribute to the Dr. Dean Howell Newsletter, whether it be NeuroCranial Restructuring-related or not, we welcome your submission. Please send your health comments, stories, testimonials, articles, etc. to the editor, Trisha Howell, atTrisha@TrishaHowell.com We will not be able to include all submissions in future newsletters, but we will try to publish as many items of general interest as possible.