Category:

Home Decor

Kids Room Ideas
21 Antique Kids On Swing

by admin July 30, 2018

by admin July 30, 2018

21 Antique Kids On Swing .When you do not feel like evacuating and also hiking to the…
Kitchen Ideas
20 Trendy Nyc Fireplaces and Outdoor Kitchens

by admin July 29, 2018

by admin July 29, 2018

20 Trendy Nyc Fireplaces and Outdoor Kitchens .A lot of outdoor kitchen areas are going to be…
Living Room Ideas
21 Unique Small Living Room Arrangements

by admin July 29, 2018

by admin July 29, 2018

21 Unique Small Living Room Arrangements .If your living-room has access to a ton of natural light,…
Bedroom Ideas
23 Luxury Small Bedroom with Desk

by admin July 29, 2018

by admin July 29, 2018

23 Luxury Small Bedroom with Desk . When decorating little bedrooms, among the best methods to maximise…
Kitchen Ideas
20 Inspirational Bull Outdoor Kitchen

by admin July 28, 2018

by admin July 28, 2018

20 Inspirational Bull Outdoor Kitchen .Shabby elegant kitchens are still a traditional, and this shoddy chic inspired…
Living Room Ideas
24 Antique Diy Living Room Wall Decor

by admin July 28, 2018

by admin July 28, 2018

24 Antique Diy Living Room Wall Decor .Transform your living-room right into a work of art 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?