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Family Quotes
The top 23 Ideas About Time Spent with Family Quote

by admin June 1, 2018

by admin June 1, 2018

The top 23 Ideas About Time Spent with Family Quote .Family is just one of one of…
Birthday Quotes Inspirations
25 Of the Best Ideas for Happy 15th Birthday Quote

by admin June 1, 2018

by admin June 1, 2018

25 Of the Best Ideas for Happy 15th Birthday Quote . Birthday celebration quotes can be used…
Inspirational Quotes
24 Best Ideas Inspirational Dream Quote

by admin May 31, 2018

by admin May 31, 2018

24 Best Ideas Inspirational Dream Quote . This is a quote that can come in handy if…
Thanksgiving Quotes
Best 30 Thanksgiving Quotes for Daughter

by admin May 31, 2018

by admin May 31, 2018

Best 30 Thanksgiving Quotes for Daughter .” One of my most remarkable Thanksgiving memories was most likely…
Marriage Quotes
25 Best Ideas Encouraging Marriage Quotes

by admin May 30, 2018

by admin May 30, 2018

25 Best Ideas Encouraging Marriage Quotes .The genuine act of marital relationship takes place in the heart,…

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?