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Best Gift Ideas

Gift Ideas For Boyfriend
25 Best Ideas Football Gift Ideas for Boyfriend

by admin December 15, 2018

by admin December 15, 2018

25 Best Ideas Football Gift Ideas for Boyfriend . If you are the crafty or DIY kind,…
Wedding Gift Ideas
20 Best Ideas Wedding Embroidery Gift Ideas

by admin December 9, 2018

by admin December 9, 2018

20 Best Ideas Wedding Embroidery Gift Ideas .A collection of baggage is an excellent gift for the…
Gift Ideas For Boyfriend
The 25 Best Ideas for 18th Birthday Gift Ideas Boyfriend

by admin December 7, 2018

by admin December 7, 2018

The 25 Best Ideas for 18th Birthday Gift Ideas Boyfriend .If your man’s looking for an awesome,…
Gift Ideas For Girlfriend
Best 35 Girlfriend Valentine Gift Ideas

by admin December 4, 2018

by admin December 4, 2018

Best 35 Girlfriend Valentine Gift Ideas .It doesn t have to be a birthday, anniversary, or vacation…
Anniversary Gift Ideas
20 Best 17th Wedding Anniversary Gift Ideas for Her

by admin December 2, 2018

by admin December 2, 2018

20 Best 17th Wedding Anniversary Gift Ideas for Her .On this day, you realize what a gift…
Gift Ideas For Couples
20 Best Honeymoon Gift Ideas Couples

by admin November 17, 2018

by admin November 17, 2018

20 Best Honeymoon Gift Ideas Couples . The couple who’s constantly holding events possibly does not need…
Gift Basket Ideas
22 Best Ideas His and Her Gift Basket Ideas

by admin November 17, 2018

by admin November 17, 2018

22 Best Ideas His and Her Gift Basket Ideas . I adore gift baskets! Not just are…
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…
Birthday Gift Inspirations
24 Of the Best Ideas for Gift Ideas for 80th Birthday

by admin November 14, 2018

by admin November 14, 2018

24 Of the Best Ideas for Gift Ideas for 80th Birthday . Sure, your birthday girl enjoys…
Birthday Gift Inspirations
24 Best Ideas Birthday Gifts for Dads

by admin November 9, 2018

by admin November 9, 2018

24 Best Ideas Birthday Gifts for Dads . Sure, your birthday celebration lady enjoys her share of…

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?