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Positive Quotes
35 Best Quote About Thinking Positive

by admin July 31, 2018

by admin July 31, 2018

35 Best Quote About Thinking Positive .These sensible and also beautiful words from your preferred favorable thinkers…
Funny Quotes
25 Best Ideas Funny Ron Swanson Quotes

by admin July 31, 2018

by admin July 31, 2018

25 Best Ideas Funny Ron Swanson Quotes . I don’t believe that you can give the exact…
Mothers Day Quotes
35 Best Birth Mother Quotes

by admin July 30, 2018

by admin July 30, 2018

35 Best Birth Mother Quotes .Mother’s Day is the unique season when you reach celebrate your first…
Kindness Quotes
24 Best Ideas Lds Quotes On Kindness

by admin July 28, 2018

by admin July 28, 2018

24 Best Ideas Lds Quotes On Kindness .You can locate it in a simple act of compassion…
Family Quotes
23 Best Family forever Quotes

by admin July 27, 2018

by admin July 27, 2018

23 Best Family forever Quotes .Household is one of the most crucial, if not the most crucial…

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?