Health Insurance Prayers Answered

"I pray that…you may know what is the hope of His calling, what are the riches of the glory of His inheritance in the saints, and what is the surpassing greatness of His power toward us who believe" (Ephesians 1:18-19).

I could hardly wait to find the time and place to write you about one of my most miracu- lous adventures in prayer which began in Oct., 2009. Since my "Happenings" are now available over the internet, I'll not mention the names of doctors, but refer to them as Doctors X, Y, and Z. At the beginning of 2006, my private health insurance increased its annual rate by $800. I decided to change to another company. An agent came to my house, and I was very pleased with his plan. Only one concern: I had to choose a new family doctor. Dr. Spankus had been my family doctor for many, many years. He died, and I had need of his successor only once. Now, I'd have to see Dr. Z, who was well recommended to me; but his office was 12 traffic filled miles from my home. All others were in my "zone" for heart, eyes, knee, hand and dermatologist -- a mile away; in my neighborhood. I only saw Dr. Z once a year for an annual physical, as required by the Insurance Company. He wasn't pleased with my attitude. I refused medications and tests he recommended. Don't they say, "If it ain't broke, don't fix it?" I'm in very good health, except my heart, and Dr. Y takes excellent care of it.

At the Oct. 5 meeting with Dr. Z, he asked me to cancel my next appointment with Dr. Y. He would run EKG tests and determine if I had need of a specialist such as Dr. Y. I was asked to see Dr. Z again on Jan. 6. If I don't have questions written down, I don't know what to ask doctors when I am with them! After I returned home, I discovered that Dr.Y is not included on Dr. Z's team of specialists. I called the insurance company, and was told I could request Dr. Y, and then could see him. I was uncomfortable with Dr. Z checking my heart for problems.

I considered changing insurance companies. I checked with about 15 who handle my type of insurance, and I have chosen the best one for coverages and price.

I called the insurance company and asked if there were any more doctors in my "zone." There were two: one, even farther away; and Dr. X who stopped taking new patients on July 31.

I decided to change "zones" with my current insurance, which would place their family doctors about six miles from my home. The next zone had SEVEN family doctors to choose from! I prayed to God with ALL my heart to help me. Seven names. How do I choose one? I prayed God would lead me to someone at church who could make a recommendation. I asked several people, "What would you do if you had to choose one of seven doctors by name only?" No one had a suggestion. I thought of writing each one for a resume, a photo, or answering a few questions. I never heard of anyone doing this. I kept praying. I had to make a decision by Dec. 31 according to Medicare.

It was Monday night, before Thanksgiving, I was wrapping Christmas gifts while watching TV…not a single thought about my insurance problem. Just "out of the blue" the words came to me: "Take the names of the seven doctors to Dr. Y, and ask him which one he want to work with."

I was almost in tears! Why didn't I think of that during almost two months? It was from GOD! We pray and pray. Then we must listen, and listen. He'll send an answer when we least expect it. I never felt such JOY. I laughed aloud. God spoke to me. I had that perfect peace.

With Thanksgiving holidays coming up, I'd wait until the next week. When our family gathered around the dinner table at Thanksgiving, and we, individually, expressed five things we were thankful for, I ended mine, saying, "I'm in a prayer-in-progress situation. I don't know how it will turn out." I explained the happenings thus far.

Monday morning, Nov. 30, I went to see Dr. Y. After briefly explaining my situation, he asked, "Does Dr. Z know how bad your heart is?"
"I don't know…not unless you sent him reports. He's never done an EKG." I handed him the names of the seven doctors and asked, "Which one should I choose?" He selected one, and then an alternative, if needed. He asked, "Why don't you go to Dr. X?"
I answered, "He quit taking new patients in July."
"Well, go to him, and tell him I sent you."
I asked, "Why don't YOU tell him? Write him a letter!"
"O.K. I'll do that" and he did! I was overjoyed…walking on "clouds."

I went to see Dr. X. His receptionist said he was too "booked" to see me. I said, "Dr. Y gave me a letter to give to Dr. X."
She said, "Let me have the letter, and I'll take it to him and get back with you."
"No," I said. "Dr. Y asked ME to give it to him."

The receptionist asked, "May I read the letter?" I gave it to her. She said, "Dr. X will take you as a patient because Dr. Y has asked him to…you can be certain of that. As soon as you go home, call the insurance company, and they will make the change-over for tomorrow, Dec. 1st; then Dr. X can take over. Can you come in tomorrow at 11:30 to meet Dr. X?" "YES!"

I went to my car and cried, calling out my thanks to God, my Heavenly Father, who cares for me, and takes care of all my needs. Hallelujah!! ALL my doctors are close to my home for the rest of my life. I met Dr. X the next morning. He is GREAT! I really like him.

One of God's treasured gifts is His personal relationship with each of us through our prayers and His responses. This sacred exchange is a miracle we can experience every day, when our hearts and minds are open to His ways.

"Direct me in the path of your commands, for there I find delight" (Psalm 119:35 NIV).

All through the Bible are stories of biblical figures who learned that God was speaking to them. It is the same all down through the ages…to us. God speaks to us; tells us what to do; answers our prayers. He speaks to us in the Bible verses we are led to read; through sharing conversations with other people; through coincidences arranged by Him; sometimes a dream allows you to awake with the answer you need.

We are now beginning another year, 2010! Do you have a daily, personal walk with God? If you'll include Him in everything you do, all day, you'll receive so many blessings. Just think about this: The Creator of Heaven and earth, wants you and me to be with Him forever. He wants our companionship. He really cares about each one of us. He does not demand that we fellowship with Him -- He wants us to choose. He made the plans that we have heard about again, every year at Christmas. God sent His Son Jesus to earth to show and teach men how to live a life pleasing to God. Then Jesus took all our sins to the cross, sacrificing His life that we may have forgiveness of those sins; thus making it possible for us to become a part of the family of God. It's so simple. We come to God just as we are, admitting our failures, our sins, accepting the gift of forgiveness which Jesus made possible. Then, we begin the wonder of a new life in Christ…peace…faith…joy. I love the passage of John 10: 27-30, where Jesus speaks:

"My sheep (believers in Jesus Christ) hear my voice, and I know them, and they follow Me; and I give unto them eternal life; and they shall never perish; neither shall any man pluck them out of my hand. My Father, which gave them Me is greater than all; and no man is able to pluck them out of my Father's hand. I and my Father are one."

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