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Christmas Gift Ideas

Christmas Gift Ideas
Top 20 Christmas Gift Ideas for 14 Year Old Daughter

by admin August 14, 2018

by admin August 14, 2018

Top 20 Christmas Gift Ideas for 14 Year Old Daughter .Discover the best gift for everybody on…
Christmas Gift Ideas
20 Best Ideas Christmas Gift Ideas for Him Under $25

by admin July 18, 2018

by admin July 18, 2018

20 Best Ideas Christmas Gift Ideas for Him Under $25 .Find the excellent gift for everybody on…
Christmas Gift Ideas
The Best Couples Gift Ideas Christmas

by admin July 1, 2018

by admin July 1, 2018

The Best Couples Gift Ideas Christmas .Locate the excellent gift for everybody on your list, no matter…
Christmas Gift Ideas
The Best Ideas for First Christmas together Gift Ideas

by admin June 24, 2018

by admin June 24, 2018

The Best Ideas for First Christmas together Gift Ideas . Whether you’re just starting to shop for…
Christmas Gift Ideas
Best 20 Good Dad Christmas Gift Ideas

by admin June 5, 2018

by admin June 5, 2018

Best 20 Good Dad Christmas Gift Ideas . Whether you’re just beginning to shop for Xmas offers…
Christmas Gift Ideas
20 Best Ideas Christmas Gift Ideas for Woodworkers

by admin June 4, 2018

by admin June 4, 2018

20 Best Ideas Christmas Gift Ideas for Woodworkers .Locate the perfect gift for every person 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?