Category:

Home Decor

Storage Ideas
23 Perfect Storage Bench Plans Ana White

by admin October 10, 2017

by admin October 10, 2017

23 Perfect Storage Bench Plans Ana White .Entrance Storage space Benches A storage space bench in the…
Bathroom Ideas
22 Smart Small Master Bathroom Floor Plans

by admin October 10, 2017

by admin October 10, 2017

22 Smart Small Master Bathroom Floor Plans .This restroom is cozy as well as welcoming, many thanks…
Lighting Ideas
22 Fantastic Home Depot Lighting Kitchen

by admin October 9, 2017

by admin October 9, 2017

22 Fantastic Home Depot Lighting Kitchen .If you intend to upgrade your food preparation room without paying…
Bedroom Ideas
22 Marvelous Blue Bedroom Lights

by admin October 8, 2017

by admin October 8, 2017

22 Marvelous Blue Bedroom Lights .Unless your bed room is very tiny, it needs more than one…
Firepit Ideas
22 Cute Simple Cinder Block Fire Pit

by admin October 7, 2017

by admin October 7, 2017

22 Cute Simple Cinder Block Fire Pit .Fire Pit Suggestions To choose the appropriate fire pit style…
Kitchen Ideas
20 Marvelous Small Black Kitchen Table

by admin October 6, 2017

by admin October 6, 2017

20 Marvelous Small Black Kitchen Table .A small kitchen can still have a huge personality. Enter this…

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?