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Best Valentines Day Ideas

Best Valentines Day Ideas
The Best Valentines Day Photography Ideas

by admin July 12, 2018

by admin July 12, 2018

The Best Valentines Day Photography Ideas .Yes, the beautiful day is close. I mean Valentines Day. Several…
Best Valentines Day Ideas
The 20 Best Ideas for Valentines Day Ideas for School

by admin June 21, 2018

by admin June 21, 2018

The 20 Best Ideas for Valentines Day Ideas for School .There are thousands of valentine day ideas…
Best Valentines Day Ideas
Top 20 Diy Ideas for Valentines Day

by admin June 13, 2018

by admin June 13, 2018

Top 20 Diy Ideas for Valentines Day .An outstanding Valentines Day concept for your sweetheart can be…
Best Valentines Day Ideas
The top 20 Ideas About Valentines Day Crafts

by admin June 10, 2018

by admin June 10, 2018

The top 20 Ideas About Valentines Day Crafts .There are thousands of valentine day ideas to choose…
Best Valentines Day Ideas
20 Of the Best Ideas for Same Day Valentines Gift Delivery

by admin June 4, 2018

by admin June 4, 2018

20 Of the Best Ideas for Same Day Valentines Gift Delivery .The classic ideas are still terrific…
Best Valentines Day Ideas
Best 20 Valentines Day Activities for Preschoolers

by admin May 29, 2018

by admin May 29, 2018

Best 20 Valentines Day Activities for Preschoolers .The traditional ideas are still excellent concepts. Also keeping it…

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?