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Seasonal

Best Valentines Day Ideas
20 Best Ideas Valentines Day Ideas Nyc

by admin January 20, 2020

by admin January 20, 2020

20 Best Ideas Valentines Day Ideas Nyc .There are thousands of valentine day concepts to select from…
Best Valentines Day Ideas
Top 20 Valentines Day Gifts Cards

by admin January 20, 2020

by admin January 20, 2020

Top 20 Valentines Day Gifts Cards .There are thousands of valentine day concepts to select from however…
Best Passover Ideas
24 Best Passover Food Meaning

by admin January 19, 2020

by admin January 19, 2020

24 Best Passover Food Meaning .Continue reading for some terrific ideas on how you can use fresh…
Best St. Patrick Day Ideas
The Best Ideas for St Patrick's Day Food Ideas for Parties

by admin January 18, 2020

by admin January 18, 2020

The Best Ideas for St Patrick&#039;s Day Food Ideas for Parties .Descendents of those who immigrated during…
Best New Years Day Ideas
25 Of the Best Ideas for Happy New Year Quotes

by admin January 18, 2020

by admin January 18, 2020

25 Of the Best Ideas for Happy New Year Quotes .Celebrated on January 1, New Years Day…
Best Summer Ideas
Best 21 College Summer Party themes

by admin January 18, 2020

by admin January 18, 2020

Best 21 College Summer Party themes .Your floorings need to additionally reflect the color of summer season.…
Best Valentines Day Ideas
Best 20 Different Valentines Day Ideas

by admin January 17, 2020

by admin January 17, 2020

Best 20 Different Valentines Day Ideas .An outstanding Valentines Day suggestion for your girlfriend can be a…
Best Memorial Day Ideas
Best 23 Memorial Day social Media Post Ideas

by admin January 17, 2020

by admin January 17, 2020

Best 23 Memorial Day social Media Post Ideas .On Memorial Day, we memorialize not just those that…
Best 4th of July Ideas
20 Ideas for Fourth Of July Cakes Ideas

by admin January 16, 2020

by admin January 16, 2020

20 Ideas for Fourth Of July Cakes Ideas .If you’re searching for some creative 4th of July…
Best Valentines Day Ideas
The 20 Best Ideas for Sexy Valentines Day Gifts

by admin January 16, 2020

by admin January 16, 2020

The 20 Best Ideas for Sexy Valentines Day Gifts .The timeless suggestions are still excellent ideas. Also…

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?