Home, Family, Style and Art Ideas

Nail Colors
The Best Trending Nail Colors

by admin February 20, 2025

by admin February 20, 2025

The Best Trending Nail Colors .Juicy reds are soaring up the style charts this autumn. But why…
Kitchen Ideas
20 Smart Covered Outdoor Kitchen Structures

by admin February 19, 2025

by admin February 19, 2025

20 Smart Covered Outdoor Kitchen Structures . When the weather is warm and pleasant, there is absolutely…
Gender Reveal Party Ideas
Best 20 Baby Gender Reveal Party Ideas Pinterest

by admin February 19, 2025

by admin February 19, 2025

Best 20 Baby Gender Reveal Party Ideas Pinterest . I was at a gender reveal party that…
Funny Birthday Ideas
The 21 Best Ideas for 40 Birthday Quotes Funny

by admin February 19, 2025

by admin February 19, 2025

The 21 Best Ideas for 40 Birthday Quotes Funny . Welcome to our collection of amusing birthday…
Appetizer Recipes
Top 30 Vegan Thanksgiving Appetizers

by admin February 19, 2025

by admin February 19, 2025

Top 30 Vegan Thanksgiving Appetizers .Select these very easy, no-mess appetizers when you require to take a…
Baby Shower Party
The Best Welcome Baby Boy Party Ideas

by admin February 18, 2025

by admin February 18, 2025

The Best Welcome Baby Boy Party Ideas .When an infant shower is held after the birth of…
Nail Designs
20 Best Fabulous Nail Designs

by admin February 18, 2025

by admin February 18, 2025

20 Best Fabulous Nail Designs .As soon as the bright white tones of summer have gone away…
Inspirational Quotes
24 Best Ideas Inspirational Teamwork Quotes

by admin February 18, 2025

by admin February 18, 2025

24 Best Ideas Inspirational Teamwork Quotes . This is a quote that can come in helpful if…
Best Christmas Ideas
25 Of the Best Ideas for the Christmas Gift Cast

by admin February 18, 2025

by admin February 18, 2025

25 Of the Best Ideas for the Christmas Gift Cast .Christmas ideas for presents can range from…
Birthday Gift Inspirations
24 Best Ideas Best Birthday Gift Ever

by admin February 17, 2025

by admin February 17, 2025

24 Best Ideas Best Birthday Gift Ever .How to Select the Perfect Birthday GiftYes, we know. You…

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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?