Category:

Home Decor

Kitchen Ideas
20 Exellent Kitchen Stone Floors

by admin December 10, 2017

by admin December 10, 2017

20 Exellent Kitchen Stone Floors .Sub-floors need to be clean, dry, structurally sound as well as flat,…
Bedroom Ideas
24 Luxury Master Bedroom Suite

by admin December 9, 2017

by admin December 9, 2017

24 Luxury Master Bedroom Suite .When developing your master bedroom, the only actual rule is to be…
Bedroom Ideas
23 Incredible Small Tv for Bedroom

by admin December 9, 2017

by admin December 9, 2017

23 Incredible Small Tv for Bedroom . Strategic designing is key when it comes to decorating a…
Living Room Ideas
30 Best Of Calming Colors for Living Room

by admin December 8, 2017

by admin December 8, 2017

30 Best Of Calming Colors for Living Room [email protected][Your living-room is most likely your go-to spot, so…
Kids Room Ideas
23 Cool Kids Room Ceiling Lamp

by admin December 7, 2017

by admin December 7, 2017

23 Cool Kids Room Ceiling Lamp .Youngsters Ornamental BasketsRoom storage space that s both eye- capturing &…
Kids Room Ideas
21 Brilliant Swing Kids Character

by admin December 7, 2017

by admin December 7, 2017

21 Brilliant Swing Kids Character .When you do not seem like packing up and also travelling to…

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?