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Home Decor

Bathroom Ideas
23 Charming Half Bathroom Remodels

by admin September 20, 2018

by admin September 20, 2018

23 Charming Half Bathroom Remodels .In some cases the essence of high-end isn’t in abundance, yet in…
Bedroom Ideas
20 Sensational Baby Bedroom Decorations

by admin September 20, 2018

by admin September 20, 2018

20 Sensational Baby Bedroom Decorations .In this master bedroom made by Charlotte Lucas, layers of rich structures…
Bathroom Ideas
24 Beautiful Best Tile for Bathrooms Floor

by admin September 15, 2018

by admin September 15, 2018

24 Beautiful Best Tile for Bathrooms Floor .Initially glimpse, you could just discover the traditional subway floor…
Bathroom Ideas
20 Unique Best Bathroom Paint

by admin September 14, 2018

by admin September 14, 2018

20 Unique Best Bathroom Paint .Prior to deciding on shower room shade schemes, it s an excellent…
Bedroom Ideas
30 Wonderful Rustic Bedroom Ideas

by admin September 10, 2018

by admin September 10, 2018

30 Wonderful Rustic Bedroom Ideas .Transforming your master collection? Incorporating standard shapes with rustic information, this system…
Kids Room Ideas
21 Gorgeous Kids Hammock Swing

by admin September 9, 2018

by admin September 9, 2018

21 Gorgeous Kids Hammock Swing .When you don’t seem like evacuating and also travelling to the playground,…

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?