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Home Decor

Kitchen Ideas
20 Perfect Small Kitchen Dinette Sets

by admin September 15, 2020

by admin September 15, 2020

20 Perfect Small Kitchen Dinette Sets .A small kitchen can still have a large character. Enter this…
Kitchen Ideas
20 Incredible Small Exhaust Fan for Kitchen

by admin September 14, 2020

by admin September 14, 2020

20 Incredible Small Exhaust Fan for Kitchen .A vibrant splashback is one more simple method to add…
Kitchen Ideas
20 Marvelous Fifth Wheel with Outdoor Kitchen

by admin September 13, 2020

by admin September 13, 2020

20 Marvelous Fifth Wheel with Outdoor Kitchen .Most outdoor cooking areas are going to be located near…
Kitchen Ideas
20 Amazing Examples Of Kitchen Backsplashes

by admin September 12, 2020

by admin September 12, 2020

20 Amazing Examples Of Kitchen Backsplashes . Due to the fact that its smaller sized scale suggests…
Landscape Ideas
24 Smart Westinghouse solar Landscape Lights

by admin September 12, 2020

by admin September 12, 2020

24 Smart Westinghouse solar Landscape Lights .Traditionally produced as well as sourced electrical energy continues to be…
Kitchen Ideas
20 Catchy Slate Floors In Kitchen

by admin September 5, 2020

by admin September 5, 2020

20 Catchy Slate Floors In Kitchen .Foundations are worth thinking of, too. Sub-floors need to be tidy,…
Bedroom Ideas
21 Sensational Small Bathroom Sconces

by admin September 1, 2020

by admin September 1, 2020

21 Sensational Small Bathroom Sconces . Choosing a shower display over a shower curtain will maintain a…
Bathroom Ideas
24 Terrific Update Bathroom Tile without Replacing

by admin September 1, 2020

by admin September 1, 2020

24 Terrific Update Bathroom Tile without Replacing .You currently recognize floor tile is ideal for the shower…
Pool Ideas
30 Luxury Electric Dog Fence Above Ground

by admin September 1, 2020

by admin September 1, 2020

30 Luxury Electric Dog Fence Above Ground .If you are thinking of installing an above ground swimming…
Bedroom Ideas
20 Captivating Shabby Chic Bedrooms Images

by admin August 30, 2020

by admin August 30, 2020

20 Captivating Shabby Chic Bedrooms Images .Seeking some shoddy chic room concepts for new bed linens? You…

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?