Category:

Birthday

Birthday Gift Ideas
20 Ideas for 80th Birthday Gift Ideas for Grandma

by admin November 14, 2018

by admin November 14, 2018

20 Ideas for 80th Birthday Gift Ideas for Grandma . So, if you are heading throughout that…
Birthday Quote Ideas
35 Best Ideas Happy Birthday Boyfriend Quotes

by admin November 13, 2018

by admin November 13, 2018

35 Best Ideas Happy Birthday Boyfriend Quotes . These birthday celebration quotes are a great location to…
Birthday Decoration Ideas
Top 23 Birthday Party Decorations Diy

by admin November 12, 2018

by admin November 12, 2018

Top 23 Birthday Party Decorations Diy . Host the Ultimate Celebration with Themed Birthday Celebration Event SuppliesBirthday…
Birthday Quote Ideas
35 Best Ideas Alice In Wonderland Birthday Quotes

by admin November 10, 2018

by admin November 10, 2018

35 Best Ideas Alice In Wonderland Birthday Quotes . Birthday celebration quotes are likewise at times funny…
Birthday Gift Ideas
The Best Ideas for Teenager Birthday Gift Ideas

by admin November 9, 2018

by admin November 9, 2018

The Best Ideas for Teenager Birthday Gift Ideas . Make your mind up from our wide wide…
Birthday Card Ideas
The 22 Best Ideas for Free Birthday E-card

by admin November 9, 2018

by admin November 9, 2018

The 22 Best Ideas for Free Birthday E-card . Read these homemade birthday card suggestions to get…
Birthday Decoration Ideas
23 Of the Best Ideas for Ballerina Birthday Party Decorations

by admin November 6, 2018

by admin November 6, 2018

23 Of the Best Ideas for Ballerina Birthday Party Decorations . Balloons can be one of the…
Birthday Invitation Ideas
25 Best Birthday Invitations

by admin November 4, 2018

by admin November 4, 2018

25 Best Birthday Invitations . Whether you’re preparing a birthday event for your kid or having an…
Birthday Invitation Ideas
The top 25 Ideas About 70th Birthday Invitations

by admin November 1, 2018

by admin November 1, 2018

The top 25 Ideas About 70th Birthday Invitations . Whether you’re preparing a birthday party for your…
Birthday Wishes Ideas
25 Best Ideas Mom Birthday Wishes

by admin November 1, 2018

by admin November 1, 2018

25 Best Ideas Mom Birthday Wishes . Birthdays are among one of the most celebrated occasions 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?