loader from loading.io

097 - Understanding Your Medical Insurance: Beyond the Basics

W.O.W. MD - Your Wellness Optimizing Warrior

Release Date: 07/11/2025

105 - Beyond the Numbers: Understanding the Complexities of Hormone Therapy Surveillance show art 105 - Beyond the Numbers: Understanding the Complexities of Hormone Therapy Surveillance

W.O.W. MD - Your Wellness Optimizing Warrior

Most women don’t really understand how hormones like estrogen fluctuate during their cycle. If you were to test a woman’s estrogen, the level you would get would vary greatly depending on which part of her cycle she was in. Ovulation marks the peak of estrogen levels during the entire cycle. At the same time, the level of estrogen at ovulation is dependent on the quality of egg that is released during her cycle. Further to this, normal levels of estrogen don’t always reflect the optimal levels. This highlights the importance of data interpretation when your levels are being tested,...

info_outline
104 - Unveiling the Overlooked: Testosterone's Role in Women's Health show art 104 - Unveiling the Overlooked: Testosterone's Role in Women's Health

W.O.W. MD - Your Wellness Optimizing Warrior

Why don’t we know more about optimal testosterone levels, especially since it can be so beneficial for women? Part of the problem is that research into women’s health is significantly underfunded. Testosterone is an estrogen antagonist, so it could help with estrogen-dominant conditions like endometriosis. Yet, it isn’t put forth as a possible treatment. Many women have excellent tolerance levels for the right amount of testosterone so long as their health professionals consider their physiology and reason for treatment. Menopause is another hormone-related issue many women struggle...

info_outline
103 - Decoding Hormone Testing: Testosterone Levels for Women: Myths Versus Science Part 2 show art 103 - Decoding Hormone Testing: Testosterone Levels for Women: Myths Versus Science Part 2

W.O.W. MD - Your Wellness Optimizing Warrior

In today’s episode we’re continuing our conversation about testosterone therapy, including its benefits and the importance of monitoring testosterone levels. Understanding the testosterone levels you should strive for and measuring your physiological responses is key to using it beneficially. Testosterone is the main anabolic hormone in the body. It repairs, restores, and regrows damaged tissue. The problem is that the normal range established by labs—a guide most doctors will use to identify if your testosterone is low—is not always the best baseline to use.  In an ideal world,...

info_outline
102 - Decoding Hormone Testing: Testosterone Levels for Women: Myths Versus Science Part 1 show art 102 - Decoding Hormone Testing: Testosterone Levels for Women: Myths Versus Science Part 1

W.O.W. MD - Your Wellness Optimizing Warrior

This episode is for all the women who have left the doctor disappointed—turned away and told their hormone levels were fine even when they didn’t feel right. Hormone level testing isn’t given much thought by the majority of medical professionals, yet it’s crucial to providing adequate patient health. Right now, there is a complete lack of standardization in this area. A part of this is due to the fact that hormones impact men and women differently, and we don’t know how introductions of hormones will impact any specific individual. There is also a difference between testing for...

info_outline
101 - Botox for All Ages: Understanding Its Impact and Benefits with Meghan Morrissette show art 101 - Botox for All Ages: Understanding Its Impact and Benefits with Meghan Morrissette

W.O.W. MD - Your Wellness Optimizing Warrior

We’re welcoming Meghan Morrissette, my aesthetics nurse, again today to bring our conversation about Botox and other types of neurotoxin treatments to a close. We’ll be addressing more common questions in this episode. When is the best time to get Botox? Is there a better age to start? Patients in their 20s typically seek neurotoxin treatment for facial balancing, as they haven’t largely experienced the signs of aging. By relaxing some of the facial muscles, you can also reduce the appearance of static wrinkles later in life, which are caused by repetitive muscle movements. Social media...

info_outline
100 - Botox Uncovered: Essential Knowledge for Aesthetic Treatments with Meghan Morrissette show art 100 - Botox Uncovered: Essential Knowledge for Aesthetic Treatments with Meghan Morrissette

W.O.W. MD - Your Wellness Optimizing Warrior

We are continuing our conversation about Botox with Meghan, my aesthetics nurse. Is all Botox the same? Actually, they can vary in some ways. If you don’t feel ecstatic about the results a few weeks later, you can experiment with different types of neuromodulators. For example, instead of the Botox brand name you can try Dysport, Daxxify, Xeomin, and more. If your treatment is going well and you’re happy with it, you don’t need to change anything. Typically, injectors don’t carry all the different brands. The dosing discussion can be challenging for patients and injectors, so it’s...

info_outline
099 - The Botox Breakdown with Meghan Morrissette: Science, Art, and Results show art 099 - The Botox Breakdown with Meghan Morrissette: Science, Art, and Results

W.O.W. MD - Your Wellness Optimizing Warrior

This week’s episode is all about Botox as we welcome my aesthetics nurse Meghan Morrissette. As a holistically-minded person, the idea of injecting myself with a toxic chemical just to look better did not appeal to me for many years. However, now that I have a deeper understanding about what Botox can really do, I think it’s worth exploring, which I recently did myself. I had a great experience trying Botox for the first time with Meghan. She has a soft, delicate touch, and the needles are tiny, so I felt no pain at all. She’s passionate about giving natural results and long-lasting...

info_outline
098 - Beyond Insurance: Taking Full Control of Your Health show art 098 - Beyond Insurance: Taking Full Control of Your Health

W.O.W. MD - Your Wellness Optimizing Warrior

Today we’re concluding our conversation about being independently healthy. This time, we’re focusing on preventative care and maintaining your health. Most patients believe their health insurance plan is there to keep them healthy, but this is not true. The medical insurance industry is designed only to cover catastrophically high expenses in serious health situations. It’s important to remember that your health insurance does not guarantee you access to a wide array of services with your medical care provider. If you want services outside of what’s covered by your insurance, you may...

info_outline
097 - Understanding Your Medical Insurance: Beyond the Basics show art 097 - Understanding Your Medical Insurance: Beyond the Basics

W.O.W. MD - Your Wellness Optimizing Warrior

In this episode we’re continuing our conversation about being independently healthy, focusing on covered medical expenses. Medical insurance premiums have skyrocketed—they are extremely expensive, and therefore unaffordable for many people. If possible, it’s important to prioritize having your deductible on hand in case you ever need it. You may also need a contingency plan for specific medical expenses which are not covered. If it’s a therapy focused on maintaining wellness, balancing hormones, or anti-aging, it will likely not be a covered expense.  The medical insurance...

info_outline
096 - Independence Day Special: Becoming Independently Healthy show art 096 - Independence Day Special: Becoming Independently Healthy

W.O.W. MD - Your Wellness Optimizing Warrior

Many of us are familiar with the idea of being independently wealthy, but what does it mean to be independently healthy? Health independence is the ability to maintain your physical and mental wellbeing without relying on external support. If you want to be independently healthy, you need to eat well, exercise often, sleep soundly, and manage your stress. Having this knowledge is one thing, but using it is another. The reality is that 40% of Americans suffer from two or more chronic illnesses, and 3 out of 4 Americans are overweight or obese. It’s also much easier to be independently healthy...

info_outline
 
More Episodes

In this episode we’re continuing our conversation about being independently healthy, focusing on covered medical expenses. Medical insurance premiums have skyrocketed—they are extremely expensive, and therefore unaffordable for many people.

If possible, it’s important to prioritize having your deductible on hand in case you ever need it. You may also need a contingency plan for specific medical expenses which are not covered. If it’s a therapy focused on maintaining wellness, balancing hormones, or anti-aging, it will likely not be a covered expense. 

The medical insurance business is indeed a business, so they want to make a profit. But remember, this has nothing to do with your doctor making profit. Your doctor simply made the decision to allow access to more people by accepting insurance plans. If any issues come up with your medical insurance, you will need to handle it with the insurance company directly.

Here’s the truth about private practice: your doctor gets paid last. He or she pays everyone else before they pay themselves, and they would actually make more if they worked for an entity that paid them annually (plus for billing). That’s corporate medicine, and it helps doctors avoid dealing with customer service, managing teams, billing, and more. 

For doctors, independence comes at a cost. Most doctors today have to implement fees to support their admin, and this is often wrapped up in a concierge fee. When it comes to affordability as a patient, there’s also a lot to consider, like where you’re at in life and who you’re providing for. Perhaps you can’t afford to not invest in proactive, maintenance-focused care.

 

Connect with Dr. Cernaianu

https://www.herabeautyandwellness.com/

https://www.instagram.com/herabeautyandwellness/

https://www.facebook.com/people/Hera-Healthcare-Mirela-Cernaianu-MD/100063462643162/