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Home Decor

Kids Room Ideas
25 Terrific Indoor Kids Activities Long island

by admin October 20, 2019

by admin October 20, 2019

25 Terrific Indoor Kids Activities Long island .College vacations or not, when the youngsters need to play,…
Bedroom Ideas
20 Amazing Shabby Chic Bedroom Ideas

by admin October 20, 2019

by admin October 20, 2019

20 Amazing Shabby Chic Bedroom Ideas .Worn-out posh bed room layouts give your area a comfy, cozy…
Living Room Ideas
22 Stunning Rustic Living Rooms with Fireplace

by admin October 20, 2019

by admin October 20, 2019

22 Stunning Rustic Living Rooms with Fireplace .Rustic style is a preferred interior design particularly fit to…
Living Room Ideas
23 Favorite Painting for Living Room

by admin October 19, 2019

by admin October 19, 2019

23 Favorite Painting for Living Room .Your living-room is probably your best area, so see to it…
Backyard Ideas
35 Fancy Backyard Bocce Cleveland

by admin October 18, 2019

by admin October 18, 2019

35 Fancy Backyard Bocce Cleveland .A backyard makeover does not have to be costly to be glamorous.…
Living Room Ideas
35 Fabulous Best Living Room Rugs

by admin October 18, 2019

by admin October 18, 2019

35 Fabulous Best Living Room Rugs .As well as if you re trying to find more motivation…
Kitchen Ideas
24 Inexpensive Modern Kitchen Tile Floors

by admin October 18, 2019

by admin October 18, 2019

24 Inexpensive Modern Kitchen Tile Floors .Modern cooking area concepts and inspirationThe modern kitchen area constantly seems…
Bedroom Ideas
24 Fabulous Houzz Master Bedroom

by admin October 18, 2019

by admin October 18, 2019

24 Fabulous Houzz Master Bedroom .We agree to wager you spend one of the most time in…
Kitchen Ideas
20 Delightful Wood Backsplash Kitchen

by admin October 17, 2019

by admin October 17, 2019

20 Delightful Wood Backsplash Kitchen . Selecting tile for your backsplash can be a satisfying stage of…
Organizing Ideas
30 Antique organize My Garage

by admin October 17, 2019

by admin October 17, 2019

30 Antique organize My Garage .Garage Shelving Units Open up shelving units keep your things organized and…

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?