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Christmas Gift Ideas

Christmas Gift Ideas
The Best Christmas Gift Ideas for My Girlfriend

by admin January 4, 2020

by admin January 4, 2020

The Best Christmas Gift Ideas for My Girlfriend .The best Christmas gift is something you recognize they…
Christmas Gift Ideas
The 20 Best Ideas for Christmas Gift Ideas for White Elephant Exchange

by admin December 27, 2019

by admin December 27, 2019

The 20 Best Ideas for Christmas Gift Ideas for White Elephant Exchange . For a DIY Christmas…
Christmas Gift Ideas
20 Best Ideas Christmas Eve Gift Ideas

by admin December 11, 2019

by admin December 11, 2019

20 Best Ideas Christmas Eve Gift Ideas . As your go-to specialist for every little thing one…
Christmas Gift Ideas
20 Best Ideas $25 Christmas Gift Ideas

by admin December 11, 2019

by admin December 11, 2019

20 Best Ideas $25 Christmas Gift Ideas . For a Do It Yourself Xmas gift your loved…
Christmas Gift Ideas
The Best Etsy Christmas Gift Ideas

by admin December 3, 2019

by admin December 3, 2019

The Best Etsy Christmas Gift Ideas . As your go-to professional for everything distinctive, Shutterfly is here…
Christmas Gift Ideas
20 Best Ideas Christmas Gift Ideas for 8 Year Girl

by admin November 13, 2019

by admin November 13, 2019

20 Best Ideas Christmas Gift Ideas for 8 Year Girl . For a DIY Christmas gift your…
Christmas Gift Ideas
Top 20 Ideas for Christmas Gift for Mom

by admin October 24, 2019

by admin October 24, 2019

Top 20 Ideas for Christmas Gift for Mom . As your go-to specialist for everything unique, Shutterfly…
Christmas Gift Ideas
20 Ideas for Christmas Gift Ideas for Young Couples

by admin October 8, 2019

by admin October 8, 2019

20 Ideas for Christmas Gift Ideas for Young Couples .The excellent Christmas gift is something you recognize…
Christmas Gift Ideas
20 Best Ideas Cute Christmas Gift Ideas for Your Boyfriend

by admin September 18, 2019

by admin September 18, 2019

20 Best Ideas Cute Christmas Gift Ideas for Your Boyfriend . Whether you’re simply beginning to shop…
Christmas Gift Ideas
Top 20 Christmas Gift Ideas Under $5

by admin September 7, 2019

by admin September 7, 2019

Top 20 Christmas Gift Ideas Under $5 . For a DIY Christmas gift your loved ones can…

I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few “loopholes” in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn’t until they receive a “denial” letter from the insurance company that they take their policy out to really read through it. The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan’s coverage and benefits. Don’t you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?