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Home Decor

Living Room Ideas
22 Captivating Rustic Living Room Ceiling Lighting

by admin January 20, 2020

by admin January 20, 2020

22 Captivating Rustic Living Room Ceiling Lighting .Rustic design is a prominent interior style particularly suited to…
Bathroom Ideas
24 Marvelous Metallic Tiles Bathroom

by admin January 20, 2020

by admin January 20, 2020

24 Marvelous Metallic Tiles Bathroom .You already recognize ceramic tile is excellent for the shower room, yet…
Organizing Ideas
30 Amazing Garage organization Ideas Diy

by admin January 20, 2020

by admin January 20, 2020

30 Amazing Garage organization Ideas Diy .Organize your automobile lubes, liquids and also other items in this…
Bathroom Ideas
24 Superb Wall Tile Bathroom

by admin January 20, 2020

by admin January 20, 2020

24 Superb Wall Tile Bathroom .In the beginning glimpse, you could only notice the timeless subway ceramic…
Bedroom Ideas
35 Delightful Average Bedroom Dimensions

by admin January 20, 2020

by admin January 20, 2020

35 Delightful Average Bedroom Dimensions .A relaxing apartment displaying varied appearances in Kiev has a bed room…
Kitchen Ideas
30 Inexpensive Kitchen Calendar Wall organizer

by admin January 20, 2020

by admin January 20, 2020

30 Inexpensive Kitchen Calendar Wall organizer .Certainly you ve come across this cutting edge thing called a…
Landscape Ideas
20 Perfect Examples Of Stylish Mary Reynolds Landscape Designer Husband

by admin January 19, 2020

by admin January 19, 2020

20 Perfect Examples Of Stylish Mary Reynolds Landscape Designer Husband .A yard is an extension of what’s…
Landscape Ideas
25 Luxury Outdoor Landscape On A Budget

by admin January 19, 2020

by admin January 19, 2020

25 Luxury Outdoor Landscape On A Budget .Your lawn is in good hands. We have all the…
Outdoor Ideas
25 Inspirational Outdoor Kitchen Cabinet Ideas

by admin January 19, 2020

by admin January 19, 2020

25 Inspirational Outdoor Kitchen Cabinet Ideas .While exterior barbecuing is wonderful, it is not the only alternative…
Bedroom Ideas
23 Superb Small Loft Bedroom Ideas

by admin January 18, 2020

by admin January 18, 2020

23 Superb Small Loft Bedroom Ideas .Calling all tiny area occupants! Huge city houses, classic home formats,…

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?