Category:

Home Decor

Kids Room Ideas
30 Wonderful Kids Outdoor Playhouse

by admin January 10, 2020

by admin January 10, 2020

30 Wonderful Kids Outdoor Playhouse .If you are looking for a play house that’s contemporary yet still…
Landscape Ideas
23 Fancy Lowes Landscape Edging

by admin January 10, 2020

by admin January 10, 2020

23 Fancy Lowes Landscape Edging .A well-defined side is often the distinction between a backyard that looks…
Kitchen Ideas
20 Fabulous Small Kitchen Buffet Cabinet

by admin January 10, 2020

by admin January 10, 2020

20 Fabulous Small Kitchen Buffet Cabinet .This small kitchen idea is big on the commercial vibes thanks…
Living Room Ideas
30 Wonderful Amazon Living Room Tables

by admin January 9, 2020

by admin January 9, 2020

30 Wonderful Amazon Living Room Tables .The living room is the place where you relax, hang out…
Landscape Ideas
20 Cute Patio Landscaping Designs

by admin January 9, 2020

by admin January 9, 2020

20 Cute Patio Landscaping Designs .There are other methods to do it (such as outdoor patio planter…
Storage Ideas
21 Fantastic Kitchen Corner Cabinets Storage

by admin January 9, 2020

by admin January 9, 2020

21 Fantastic Kitchen Corner Cabinets Storage .If you’re designing a classic cooking area, or a comfortable farmhouse-style…
Kitchen Ideas
20 Lovely Kitchen Counter Backsplash

by admin January 9, 2020

by admin January 9, 2020

20 Lovely Kitchen Counter Backsplash . We weren’t even planning a kitchen reno, however we are now.…
Backyard Ideas
35 Fancy Backyard Party Supplies

by admin January 9, 2020

by admin January 9, 2020

35 Fancy Backyard Party Supplies .A backyard makeover does not have to be pricey to be elegant.…
Storage Ideas
23 Stunning Black Storage Ottoman Bench

by admin January 9, 2020

by admin January 9, 2020

23 Stunning Black Storage Ottoman Bench .Entranceway Storage Benches A storage bench in the entranceway can be…
Living Room Ideas
23 Terrific Paintings for Living Room Walls

by admin January 8, 2020

by admin January 8, 2020

23 Terrific Paintings for Living Room Walls .A layer of fresh paint can breathe life into your…

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?