Category:

Home Decor

Bathroom Ideas
22 Antique Modern Master Bathroom Ideas

by admin August 15, 2018

by admin August 15, 2018

22 Antique Modern Master Bathroom Ideas .This restroom is warm and welcoming, many thanks to the neutral…
Bedroom Ideas
23 Stunning Desk for Small Bedroom

by admin August 14, 2018

by admin August 14, 2018

23 Stunning Desk for Small Bedroom .Calling all tiny space residents! Large city homes, classic residence layouts,…
Bathroom Ideas
35 Spectacular Bathroom Door Mirror

by admin August 14, 2018

by admin August 14, 2018

35 Spectacular Bathroom Door Mirror .If you seem like you can never ever have adequate mirrors for…
Pool Ideas
30 Fabulous Above Ground Swimming Pool Heaters

by admin August 13, 2018

by admin August 13, 2018

30 Fabulous Above Ground Swimming Pool Heaters .Standard-Series over ground swimming pools have been the go-to for…
Kids Room Ideas
35 Amazing Kids Card Table

by admin August 13, 2018

by admin August 13, 2018

35 Amazing Kids Card Table .Help your little ones really feel like miss with someplace comfortable to…
Kitchen Ideas
24 Insanely Chic Modern Galley Kitchen

by admin August 12, 2018

by admin August 12, 2018

24 Insanely Chic Modern Galley Kitchen .Modern kitchen area concepts as well as inspirationThe contemporary kitchen area…

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?