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Best Gift Ideas

Mothers Day Gift Ideas
30 Best Ideas Gift Ideas for Stepmother

by admin October 31, 2024

by admin October 31, 2024

30 Best Ideas Gift Ideas for Stepmother .The last point any type of mother desires is a…
Gift Ideas For Boyfriend
The top 25 Ideas About Cute Sentimental Gift Ideas for Boyfriend

by admin October 26, 2024

by admin October 26, 2024

The top 25 Ideas About Cute Sentimental Gift Ideas for Boyfriend . Has your darling been extra…
Gift Ideas For Boyfriend
The Best Sentimental Gift Ideas for Boyfriend

by admin October 25, 2024

by admin October 25, 2024

The Best Sentimental Gift Ideas for Boyfriend . Has your sweetheart been added wonderful recently? If you…
Birthday Gift Inspirations
Best 24 Best 21st Birthday Gifts

by admin October 17, 2024

by admin October 17, 2024

Best 24 Best 21st Birthday Gifts .Exactly how to Choose the Perfect Birthday GiftYes, we understand. You…
Christmas Gift Ideas
The top 20 Ideas About Christmas Gift Ideas for Travelers

by admin October 13, 2024

by admin October 13, 2024

The top 20 Ideas About Christmas Gift Ideas for Travelers . Whether you’re simply beginning to shop…
Valentines Day Gift Ideas
Top 35 Valentine Gift Ideas Men

by admin October 9, 2024

by admin October 9, 2024

Top 35 Valentine Gift Ideas Men .You’re not a basic individual. That means when February 14 rolls…
Birthday Gift Inspirations
24 Best Birthday Gift for 3 Year Old Boy

by admin October 8, 2024

by admin October 8, 2024

24 Best Birthday Gift for 3 Year Old Boy . Certain, your birthday lady likes her share…
Christmas Gift Ideas
20 Best Christmas Gift Ideas for 12 Yr Old Girl

by admin September 24, 2024

by admin September 24, 2024

20 Best Christmas Gift Ideas for 12 Yr Old Girl . Whether you’re just starting to shop…
Gift Ideas For Couples
20 Best Engagement Gift Ideas for Couple

by admin September 21, 2024

by admin September 21, 2024

20 Best Engagement Gift Ideas for Couple . The pair that’s constantly organizing celebrations possibly does not…
Gift Ideas For Couples
20 Best Wedding Gift Ideas for Young Couple

by admin September 21, 2024

by admin September 21, 2024

20 Best Wedding Gift Ideas for Young Couple .Locating presents for couples is a cinch when you…

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?