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Christmas Gift Ideas

Christmas Gift Ideas
Best 20 Christmas Gift Ideas Grandmothers

by admin March 30, 2019

by admin March 30, 2019

Best 20 Christmas Gift Ideas Grandmothers . As your go-to expert for whatever one of a kind,…
Christmas Gift Ideas
The Best Ideas for 12 Year Old Christmas Gift Ideas

by admin March 8, 2019

by admin March 8, 2019

The Best Ideas for 12 Year Old Christmas Gift Ideas . Whether you’re just beginning to shop…
Christmas Gift Ideas
The Best Christmas Gift Certificate Ideas

by admin November 15, 2018

by admin November 15, 2018

The Best Christmas Gift Certificate Ideas . For a DIY Christmas gift your loved ones can take…
Christmas Gift Ideas
The top 20 Ideas About Christmas Gift Ideas for 17 Year Old Boy

by admin September 9, 2018

by admin September 9, 2018

The top 20 Ideas About Christmas Gift Ideas for 17 Year Old Boy . For a Do…
Christmas Gift Ideas
The 20 Best Ideas for Christmas Gift Ideas for Father In Laws

by admin August 26, 2018

by admin August 26, 2018

The 20 Best Ideas for Christmas Gift Ideas for Father In Laws . For a Do It…
Christmas Gift Ideas
The top 20 Ideas About Crochet Christmas Gift Ideas

by admin August 17, 2018

by admin August 17, 2018

The top 20 Ideas About Crochet Christmas Gift Ideas .Find the ideal gift for everyone on your…

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?