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Home Decor

Paint Ideas
22 Amazing Paint Fan Deck

by admin June 15, 2018

by admin June 15, 2018

22 Amazing Paint Fan Deck .Every timber has its very own personality and also color that can…
Kids Room Ideas
21 Fancy Kids Creation Swing Sets

by admin June 13, 2018

by admin June 13, 2018

21 Fancy Kids Creation Swing Sets .When you do not feel like packing up and also trekking…
Pool Ideas
30 Lovely Above Ground Pool Cover Clips

by admin June 13, 2018

by admin June 13, 2018

30 Lovely Above Ground Pool Cover Clips .If you are thinking of mounting an above ground swimming…
Firepit Ideas
22 Sensational Outdoor Metal Fire Pit

by admin June 12, 2018

by admin June 12, 2018

22 Sensational Outdoor Metal Fire Pit .Now here’s an outside fire pit idea we can obtain behind.…
Landscape Ideas
21 Perfect Privacy Fence Landscape

by admin June 11, 2018

by admin June 11, 2018

21 Perfect Privacy Fence Landscape .The old expression “Good fencings make great next-door neighbors” is true, but…
Living Room Ideas
25 Incredible Country Curtains for Living Room

by admin June 11, 2018

by admin June 11, 2018

25 Incredible Country Curtains for Living Room .Let the light in with these artistic shed drapes. Fix…

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?