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Home Decor

Backyard Ideas
35 Wonderful Zipline for Backyard

by admin June 30, 2018

by admin June 30, 2018

35 Wonderful Zipline for Backyard .Are you all set to offer your exterior space an upgrade? A…
Organizing Ideas
30 Inexpensive Best Garage organization System

by admin June 30, 2018

by admin June 30, 2018

30 Inexpensive Best Garage organization System .Organize your car lubricating substances, liquids and other items in this…
Bathroom Ideas
20 Best Of Exhaust Fan for Bathroom

by admin June 30, 2018

by admin June 30, 2018

20 Best Of Exhaust Fan for Bathroom .Ventilation You Need for Your Shower room When it comes…
Bathroom Ideas
23 Excellent Bathroom Remodel Ideas Small

by admin June 29, 2018

by admin June 29, 2018

23 Excellent Bathroom Remodel Ideas Small .When you think about white and also modern, this is the…
Backyard Ideas
35 Incredible Backyard Hardscape Design

by admin June 28, 2018

by admin June 28, 2018

35 Incredible Backyard Hardscape Design .A garden isn’t needed for this DIY yard change suggestion! Put down…
Storage Ideas
23 Best Window Bench Seat with Storage

by admin June 28, 2018

by admin June 28, 2018

23 Best Window Bench Seat with Storage .Storage space OttomansKeep all your comfortable things tucked away with…

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?