All posts by Dr. Derek Simpson

Where to start... I feel I have been sent on a mission to achieve (what I to believe to be) the highest goal of humanity—God-realization and to share it with everyone. In this process, I have become an author, publisher, chiropractic/naturopathic physician, acupuncturist, ballroom dancer, ESL teacher, barbershop singer, and kriya yogi. My personal goal is to connect and touch as many lives as possible with the gifts God has given.

The China Memoirs #13

I forgot about this post and actually it has been sitting here in my draft folder for like 4 years now! Wowsers! Even the picture was still attached and uploaded. Well… I am glad for that because I had totally forgotten about this memory. I am glad to be reliving it now.

The lady that seems out of place, the redhead, is my wife, Jessie. We did this trip together during our first year of marriage. Literally a month after we got married (decided to do so 5 months before leaving for China), we left for this beautiful land. Glad we did. 🙂

IMG_7357A picture in China is worth a 1000 Chinese words.  That’s if I KNEW that many 🙂

INSTEAD!  Here are some really CUTE 3rd, 4th, 5th, and 6th Grade children at an English “Salong” or an English meeting to help the best students of each class learn a little more English from the foreign teachers.  Usually these meetings are an opportunity for the English teachers from both China and America (or other natively English-speaking countries) to chat and learn more about one another.  The Chinese are really wonderful people and everything you have “heard” about them is likely inaccurate.  I am truly blessed by these people and I hope we have a chance to go back someday.


Christian Health Insurance

Why is it so difficult in this country of ours (United States) to get healthcare that is reasonable?!?

And why is it that affordable healthcare can be provided by alternative “Christian” or non-denominational organizations, but no one else?

Well… that is why I am here– to give you an idea of what I have gone through with this insurance thing.

I am now almost 33 years old and since I was 27, I have been off my parents insurance.  Now, thankfully, I haven’t had any mishaps in my health (and I continue to pray that I don’t), but I think it is time for me to actually have healthcare!

To think that man like myself, a naturopathic/chiropractic physician, wouldn’t have paid for healthcare until now.  As my body gets older (and my mind younger!), I realize that something catastrophic may eventually happen, and it is essential that I have proper healthcare in the case that it happens.

I mean, going through a catastrophic accident, can bankrupt you, and ultimately will if you no assets or extra cash to fall back on.


Well, currently, this is my situation – bankruptcy could be possible because of my lack of assets and cash flow.

I was born into a middle-class family with 4 other brothers and sisters.  My father was the only person working full-time.  At that time, I didn’t really understand the value of a dollar or the benefits of saving – or even how to save!

Long story short, when I went into medical school, I had zero debt, but I had zero savings with a beater car. When I got out of school, I had over 300K in education debt (2 medical doctorates), no savings, very little assets, and practically the same beater car. Very little positive change in income occurred in those 6 years of medical school.

With no training or understanding of how to start, let alone run a business, I taught at a community college, worked side jobs as a chiropractor, and eventually traveled overseas with my wife (who also has few assets) to teach English in China. When I returned, I realized that I needed to suck it up and work for someone else, because I was never going to figure this thing out alone!


Again… long story short, at the end of this year (2016), I knew I needed to have healthcare.  My employers were chipping in, but it wasn’t enough to cover the basic essentials.  At $300 a month, I would get a $7,000 deductible, and even after that was paid, sometimes only 50% of the total cost would be paid after the deductible was met. This was depending upon the plan I chose.

Even if I paid at $700 a month, the deductible was still around $3000 and I would still not get everything covered afterwards… what a predicament!  How could I invest, what I perceived to be a TON of money into a system, that I thought would not work well for my particular situation?  Do I suck it up and just take the huge hit on my income and pray nothing would happen?  Or is there something better?

DISCLAIMER: These are my personal opinions and I try to be as objective as possible.  If I am wrong, let me know and I will change what I have written here.  And generally let me know if you can prove it through personal experience or physical proof, otherwise the information in this blog post will stay the same. Again, I don’t have all the information and it would best for you to call them and ask all the questions I have suggested below, along with your own.


Through my research, I discovered Christian Health Sharing organizations.  I found good ones, bad ones, and ones I wasn’t sure about it.  Below I am going to provide those to you, with my own short opinions on why.

The GOOD ones:

  1. Samaritan
  2. Liberty Health Share

The BAD ones:

  1. Medi-Share

The ones I am NOT sure of:

  1. CHM
  2. Samaritan
  3. Medical Cost Share (MCS)


This one seems to be the most talked about, the most loved, and the most respected out of the forums that I read. Here are the finer points that I discovered:

  • anything under $300 is paid out-of-pocket no matter what
  • anything over $300 is generally shared (as long as it meets what they believe can be shared)
  • you first have to haggle with the healthcare people to get discounts for the best rate FIRST before having the ministry reimburse you
  • this group is also more strict on what has to be believed to be a part of their group (shared religious beliefs)
  • I believe you need a piece of paper signed saying that you are indeed an active member of church community, signed by your minister/reverend/pastor – this part, I was not so keen on, because my wife and I just moved to Billings, MT and we are NOT members of any church. This is why I was unsure of it. The question is: Can they deny you, just because you don’t believe exactly as they believe? I was not willing to find out.
  • also the payment checks you send in as a part of your “shared” amount goes towards the person that needs it… this is a challenging aspect that was harder for me to accept
  • also limited reimbursement of injuries
  • read more on this one for your own benefit

CHM (Christian Healthcare Ministries) – 

Initially this group I wanted to be a part of because of their prices, but after looking further I discovered these things:

  • plans are variable, but range from $45 to $200 a month – good plans for sure!
  • covers less conditions and situations
  • no alternative treatments covered
  • very open about how they practice their business – a plus! – full PDF can be downloaded (I have noticed the other groups aren’t as open)
  • good plan for members of a church who have a big family and can’t spend as much, but still need coverage
  • been around for 35 years
  • requires you to haggle and gets discounts on your own, but have a tendency to benefit  you later
  • no dental, vision, and wellness visits not covered
  • more restrictive religious covenants – may need a signed statement of faith
  • this group was formerly called CBL (Christian Brotherhood Letter) – this link will show that and lots of mismanagement that was going on with CBL in 2000 before they changed their name to CHM:
  • limits are less on what they cover, especially if you don’t get the extra add-on “brother’s keeper”
  • can cover midwives
  • do accept pre-existing conditions
  • ONLY Gold plan allows visits from places other than hospitals!
  • Maternity is generally covered more greatly in the Gold plan, and much less in the Silver and Bronze plans
  • many more details not covered – download their PDF to learn more!


  • $200 is max amount per person per month
  • ~$100 annual fee due every year
  • everything is automated – no haggling for discounts required
  • least deductible offered is at $500 that needs to be paid first before anything is reimbursed
  • dental, vision, wellness visits, alternative care covered at higher premiums at reduced costs
  • difference between premiums is around $20 per person at best
  • less restrictive religious covenants – doesn’t need a signed statement of faith
  • been around for 21 years
  • all around it seems like you get the most for nearly the least
  • the only thing I have heard negative is that they were associated at one time with the Christian Brotherhood Letter which had some financial mishandling. (READ ABOVE)
  • Sharing Guidelines –



In all of these groups:

  • there are NO guarantees that they will pay what they say they will pay … sounds like the reality of conventional insurance companies, right?
  • all of them require a Christian belief system to some degree – some more strict than others
  • they are NOT insurance
  • you are NOT a policy holder
  • all are ACA-compliant – meaning they will prevent you from having a tax penalty from the government (check on this for sure by calling them)
  • Some say that any group that is NOT Samaritan may come under fire of the government, but most of these companies have been around for at least 20 years. So we will see!
  • motorcycle accidents are generally NOT covered because they are considered a hobby, unless you use them everyday for transportation and I think you need to be wearing a helmet – you will have to check this!
  • all of them have pros and cons, just like conventional health insurance

Questions that are best to ask the people at these organizations:

  1. How do I know if something is going to be covered?
  2. Where does the money get sent to? The person, organization, and how does it get disbursed?
  3. How do you determine if someone doesn’t fit the beliefs that you think aren’t right? (Signed letter of confirmation, your word, etc.)
  4. How often have you not been able to pay a bill?
  5. What if there is not enough money to pay for a particular bill?
  6. How many members do you have?
  7. Any reimbursement difference between in and out of network doctors, difference in cost, covered or not?
  8. Are motorcycle accidents covered?
  9. How long have you been in business?
  10. Do you offer dental and vision plans?
  11. Are wellness visits and tests included?
  12. Do I have to be a church member of the place I am attending?
  13. Is this plan ACA-compliant?
  14. Do pre-existing conditions make me ineligible?
  15. How do I know I won’t be rejected if a treatment isn’t morally objectionable? – this means if it is considered “morally” wrong, will it not be covered
  16. Are you pre-pay/self-pay before reimbursement is given?
  17. Are natural/alternative treatments provided?
  18. Do you accept all Christian faiths?


Ultimately… if takes faith in this process for it work.  I have heard many good things about these organizations, and I think this will be my next faithful financial plunge.

Whatever you decide to do, remember that God is always with you.  Whether you believe that or not, does not matter. For the Divine is always watching every single one of us.

God bless and good luck!

Dr. Derek

P.S. If anything is inaccurate, please let me know and I will change it!

Sunny Suzhou

China Memoirs #12

My wife and I just went on a trip to Suzhou, China.  This city is considered the venice of China because of all the canals that line the historic district and beyond.  Below are some pictures I took on my panorama application on the iPhone 4.  I am going to imbed them as flat images and then link them to the website so that you can view them also as a panorama image.

Times Square, Suzhou


Blue and White Monstrosity (seriously LARGE…)


Ancient Wall


End of a random canal street

Suzhou.End of Canal Street

Isthmus, Suzhou Zoo


Jasmine Tree? (sure smelled like it!), Suzhou Zoo


The Wife (main event)


Scholars Hotel Garden (awesome hotel…)

Suzhou.Scholars Hotel

Humble Administrator’s Garden Part I


Humble Administrator’s Garden Part II


Humble Administrator’s Garden Part III


Humble Administrator’s Garden Part IV – Pagoda


I should have a few more posts before we come back from China.  We have about 6 1/2 weeks to go!  It has been fun, but our time is running out here.  See you soon family!

Dr. Derek


Chinese 9th Grade Education

The China Memoirs #11

Currently I am still in China with my wife and I saw something really interesting today that I want to share with everyone back home.

Ninth Graders in China are currently preparing for a very large test that will allow them into high school… really? [High school goes from 10th to 12th grade in China.]  In the states we NEVER had an ENTRANCE exam into high school, BUT Chinese students can receive high school completely free until they graduate. Only the very best students can have entrance into high school as long as their grades are sufficient.  These students have to suffer through some serious rigorous examinations for both Chinese and English.  As English is a REQUIRED language in China for all students until and through 9th grade.  Just think if Spanish, French, or Chinese was a required language for all of Americans… all students then could claim bilingual status and everyone (I think) would get along just that much better 🙂

Here is a picture from the current middle school that we taught in Xi An Feng.

Xi An Feng Middle School
Xi An Feng Middle School

Here is another link to the same photo:

The above link is to a “panorama”-like photo that is taken with Occipital 360 application on my iPhone.  It works pretty good.

Here is a slew of other photos with the amount of books that they carry during their 9th Grade term… I feel like these kids think that this 9th Grade exam is insurmountable at best.

IMG_7341 IMG_7342 IMG_7343 IMG_7344 IMG_7345 IMG_7346

Not gonna lie… these kids are quite adorable and really do work hard to get their grades top notch.

Anyways!  We will be back in the states soon enough!  Excited to continue  teaching, BUT the prospect of being in Chicago with my family (when it isn’t blizzarding outside) will be quite nice indeed!

~Dr. 😀

Dreams of a Father


The China Memoirs #10

[He] dreams of a father long since past.  This father not many have met, but many know by association.  This father was Dennis Simpson Jr.  He was my father and this is his story.

What can one say, when they wake up from a dream, that seems so real that they could just reach out and touch it with a bare finger.  Well… that is how I felt, when I awoke this morning, finding myself with tears in my eyes wondering, “How did I get here again?”  Well that answer is really a complicated one, but for the sake of time I will tell you shortly and sweetly.

This is a story of the birds and bees between my parents.  First came my eldest sister, then came me, and then came my younger sister.  We were and still are a pretty tight knit group of kids.  Our mother raised us well to love one another well… whether we were stealing toys or pulling each other’s hair out, our love was fierce.  Our father, Dennis Simpson Jr., was a hard-working man and from what I could remember as a child, he worked ALL the time.  So much so, that I don’t really remember him very much.  From what I understand he worked the 3rd shift, which meant he was gone during the night and slept during the day.  Now this created tension with other people in the household, so there was lots of chaos in the house.  This lead to an eventual break in our family unit.

Mom and Dad were just not getting along as well as they used to and alas had to come to an agreement.  A divorce was the only reasonable situation for them both.  I was only 9 years old at the time and really oblivious and removed. My older sister was either 10 or 11 years old.  My younger sister was at least 6 years old at the time.  We knew we couldn’t live in the house for much longer, because Mom couldn’t afford it by herself.  Somehow, as the fates would have it, Mom got remarried in a short time, and we were all off to a new adventure together.

But what happened to Dennis… his story, unfortunately ends a little sooner than we all thought.  My father developed stomach cancer which turned into a freaky sort of lymphoma leukemia in a short period of time.  In two short years, my father had passed from cancer and us kids were left to pick up the pieces.  Sure there was suffering on the part of us kids, but nothing in comparison to what my father experienced.  Bless his heart because he surely got the worst of it.

From then on, the only sort of peace I had, was the kind experienced in my dreams.  Often, after his death, I would dream about him still being alive.  (This is of course a common occurrence for all loved ones that are firmly planted in our subconsciousness.)  And as often as I would forget about his existence in my life, another dream would pop up again reminding me of his long-lost presence.  So here is the kicker really… if a person passes on, are they really gone?  No.  Not in the least.  In fact, this is just a transition state for them.  This is an upgrade.  An upgrade into a higher way of life, especially if they had suffered a lot physically (like my father).  His soul is probably somewhere… in a field of astral light, enjoying the astral sunshine, wondering WHY he would ever leave a place like that for a tour on earth once again to battle out the seemingly unending battles of physical change.  That is life, death, and everything in between.

But when I awoke this morning, with tears in my eyes, I remembered that this life is really impermanent.  That soon enough, when the next 50 years has past, and my body is old, gray, and wrinkly, I too will see his face again amongst the many other faces of people that have passed on.  I hope, however, I don’t see it any sooner!  This life offers too much happiness, joy, and love for me to pass up!

I hope that for every dream I do have of him, they just become more and more real.  That every time I see his face, I remember, really, that he is me, just in an older body.  I am a half-clone of his body and that I am reflection of him.  So, when I dream of him, am I really dreaming of myself?  Or… am I dreaming of the man that was my father?

This leads me to think that, what makes a father?  Because I have a stepdad, that I could never really call “Father” or “Dad.”  But maybe that is all really an illusion as well.  He is a father to the two boys that he created with my mother, so couldn’t I also call him “Father” too? He has really been my father for so many years and many people think I actually look more like him, then I do my biological father.  So once again… am I dreaming of my father long since past, myself, or my stepfather?  Maybe I am dreaming of all three?  We are all made in the image of the Creator SPIRIT and thus have IT’s ultimate destiny within each one of us.  To live and play in SPIRIT’s dreamland until we come to realize our truest nature in SPIRIT.  That I believe is the best dream to have.


Algebraic Theory of Everything

China Memoirs #9

Do you ever wake up from a dream and wonder if you are really a prophet sent from another place to fulfill a destiny unlike any other man, woman, or child that has walked the soil of this earth?  I would say, that I often wake up feeling this way.

The dreams conjured from my own “mindscape” led me to believe that there is more than what we can see with our own physical eyes.  Perception is really everything here.  What we perceive is truly a matter of perspective.  Each person is given a free will opportunity to perceive and receive as they so please.  With this, many different relative realities are made manifest before the physical eyes of the masses.

My own reality is not different or the same as any other.  It is just that, a part of the truth manifested as a relative piece of mind.  And in this mind is a great landscape… one of raw beauty and power that emanates from unseen depths of a darkless dark.  One not filled of shadows, but of light.  For where light dwells, no darkness can prevail.

In my mindscape, I perceived an algebraic equation of everything that could not be solved.  Although it was not a difficult equation.  I could remember it with ease.  It went something like this…

-2uo + 2ou + 2 = 0  –>  This equals the Algebraic Theory of Everything!

This equation, not represented well by the font type, is 2 x “U” x “O” + the additional variables and numbers to equal zero. It isn’t unsolvable by any stretch of anyone’s imagination.  In the dream however, it seemed very much impossible.  As I rifled through the pages and indices of many math books, I could not find any answer to suit my equational needs.  However… this did not stop me.  As I awoke from the dream, I had a fervent desire to solve this impossible equation and dominate this formidable foe… algebra!

This equation has some relevance to that of the actual “Theory of Everything,” which attempts to connect both gravitational and electronuclear forces, but alas it is not the same.  Instead it is my own connection and thought patterning that leads an intuitive scientific mind like Einstein or many other greats to their profound levels of insight.  Whether it causes my mindscape to space out more or gain terrific insight into the true “Theory of Everything” is really beyond me and this body I currently inhabit.

To give a little background, in middle and high school, my focus was not on the books, the ladies, or extracurriculars.  It was frankly always in the clouds.  I was a dreamer at best.  Possibly a space cadet.  Which ever you choose to think won’t offend me.  I know that I did not decide to be an academic until my decision to attend university.  Halfway through medical school, I realized that my fantastic grade point average need not be the focus of my attention, but rather the ESSENCE of what I was studying.

So why an Algebraic Theory of Everything?  Probably because this mindscape made me believe after a close encounter to the mathematician within, that it was absolutely necessary to create a mathematical equation that could explain the existence of creation itself.  I am in no way, a creationist or an evolutionary biologist, but more or less a person that loves and receives all perspectives open-heartedly while providing judgment silently to my own methods of reasoning.

Will this mathematician within really continue to provoke the mindfield with theories that are seemingly unsolvable, so that this body may one day break through the silence with oppositional defiant words of EUREKA?!?

Too soon to tell I suppose.

Be well to all my peeps in the far East,


Eating Boredom: One Chunk at a Time

China Memoirs #8

The best and worst thing about being in another country is the onset of boredom.  No matter where you are, boredom can be a killer.  Currently it is morning in China, where I am teaching ESL.  My wife is passed out in bed and I… well I awoke with a feeling of being bored.  I mean… shoot!  I am in another country two days after the Chinese New Year!  Should I not be out having a gay ‘ol time enjoying myself raucously?!?  Frankly… I just have never been that type of man, and I am not going to start now :0

My wife and I decided originally to go to China to have a new experience with each other.  We literally got married the month before we left for China.  Most people thought we were off our rockers, but we took that as a sign that we were doing the right thing.  Being in China during one’s first year in marriage offers quite a bit of stories to be remembered.   We wanted to have an ADVENTURE.  I mean… our song for our marriage recessional (walking back down the aisle) was the theme song for Indiana Jones.  We knew what we were getting ourselves into.

One thing, I think that everyone forgets, that no matter where you are boredom can always sneak it’s way in. This time in China was to be considered like a cheaply paid vacation.  We’re not getting paid much here, but it is like 7 times that of most teachers and people living in China.  Essentially we live like kings and queens in some way.  Go on… be mildly jealous of us 🙂  On top of that we are paid a month’s salary during our one month vacation in China, plus travel bonuses if we stay the entire 9 to 10 months.  We traveled to the south of China where it was warmer on our vacation away from our teaching-ESL-vacation.  Now we are back having a vacation away from South China vacation on our teaching-ESL-vacation.  That third vacation can really offer some huge levels of boredom.  However, it is Sunday here in China.  We are currently 13-16 hours ahead of everyone in the United States.  If they had the Super Bowl here in China I would even have a party, but we have no TV to speak of… well we do, if you can fluently understand Mandarin Chinese 🙂

So now my dilemma is what do I do, now that I am bored.  Don’t  worry.. I could do:

  1. Taxes:  not sure if I will be able to file them in April, now that I am in another country… so that one may have to wait and file an extension
  2. Preparing for new standards of medical practice when I arrive home to the U.S.:  Not looking forward to this.  May have to wait for a sweet little seminar to give me all the goods on this one.  I could talk to friends.  However I need to wait at least 4-5 months to see how Obamacare really turns out!
  3. Traveling: the wife says no for now.  She is content with staying in our apartment, playing solitaire on the computer and watching movies.  We really are two old fogies… if only I had a cane and some serious gray hair, I could really complete the ensemble.
  4. Meditation: When you are bored, it is much harder to meditate… especially when you go to sleep at 2am in the morning and wake up at 10:30am.  Go ahead, feel bad for me… all you workaholics out there are really diggin’ that one, aren’t you?!?
  5. Eating:  This is ultimately what I was coming to.  I eat, when I am bored.  I usually eat so much that my brains pop out the other end, leading to buyer’s remorse and a really upset stomach.

This is where the challenge arises for me.  Boredom isn’t so bad when there really are things to do.  Eventually, a person like myself (being a physician with 2 doctorates) will find something to do.  I am not tooting my own horn, but it takes a serious amount of motivation to complete one medical doctorate, let alone two.  I am just a academic-glutton-for-punishment.  All-in-all, I will find something to do, even if it causes mild destruction to my body.  For me, it was eating foods to the extreme.  Thank God that I am strongly intolerant to wheat and gluten.  I also have a moderate allergy to milk and other milk products, so that eliminates a lot of foods that I can gorge myself on.  Also, any MSG products that are named in this list…

OR in this list…  This is my favorite list, as it points out all of the food one wouldn’t think would have MSG in it.  The food industries of the world try to sneak it into everything!

OR in this list…  This one is special in a way where it literally points out all the major foods with “free” glutamate.  These foods generally cause people problems with food intolerances. I would say, all those foods on this list are probably not the best for me, save for a few.

Ultimately, there are a lot of foods I won’t eat, because this body just spits them right back out.  BUT… there are still a lot of foods I can eat, and those I eat in ABUNDANCE.  It takes a man of true self-realization to maintain that balance (I am unfortunately not there yet, otherwise I would not be talking about this…).

So… what do I do when I get bored?  I eat.  Those that know me, understand that for me to eat, means nothing, because there is not much there.  If there is something sweet or salty to eat, those I eat first! Fortunately for me, everything salty in this country has MSG in it. That includes potato chips and other salty morsels of the same.  Those I can steer clear of. Things that are sweet in this country, primarily include Chocolate. Mmmmmmmm. Chocolate….  Gotta watch out for that chocolate.  Some has possible MSG in it, like Kinder Bueno.  My gut had a field day after eating that junk.  Dove does pretty decent chocolate here, so that isn’t too bad, unless one eats like 3-4 bars at time, plus other things.  It generally leads to a no-good situation and lots of abdominal pain.  There is also fruit… the fruit is abundant and fills up my tummy… FAST. Which is a good thing, but can still mess with my blood sugar.   Uh… woe-is-me.

Alas, here I am in China, debating on the food I will eat today.  Is it because it is Super Bowl Sunday here in China and I am already sensing my comrades-in-arms ready to do battle on their chili-bean dips, tortilla chips, guacamole (which does not exist in China), pizza, and every other delectable thing conjured by man?!?  That… could… be.

I am very sensitive to my family back home and picking up their vibrations is commonplace.  But could I also be picking up their desires to eat mass quantities of foods while watching men in seemingly iron-clad uniforms beat up on each other for the pure enjoyment of others???  This could be as well.

Enjoy Super Bowl Sunday Family!  See you soon!