Home, Family, Style and Art Ideas

Gift Basket Ideas
Best 22 Pampering Gift Basket Ideas

by admin July 19, 2019

by admin July 19, 2019

Best 22 Pampering Gift Basket Ideas . I adore gift baskets! Not just are they inexpensive, they…
Fireplace Ideas
21 Luxury Electric Fireplace Prices

by admin July 19, 2019

by admin July 19, 2019

21 Luxury Electric Fireplace Prices .Electric fire places straight is devoted to enlightening, educating, and also partnering…
Anniversary Gift Ideas
The 20 Best Ideas for One Year Anniversary Gift Ideas for Him

by admin July 19, 2019

by admin July 19, 2019

The 20 Best Ideas for One Year Anniversary Gift Ideas for Him .You like your spouse as…
Best Easter Ideas
Best 25 toddler Easter Crafts

by admin July 19, 2019

by admin July 19, 2019

Best 25 toddler Easter Crafts .Most individuals enjoy to enhance the outside of their homes in addition…
Anniversary Gift Ideas
The Best 1st Anniversary Paper Gift Ideas

by admin July 19, 2019

by admin July 19, 2019

The Best 1st Anniversary Paper Gift Ideas .Please your beloved partner by gifting a stunning individualized cake…
Easter Recipes
The Best Ideas for Easter Cupcakes Images

by admin July 19, 2019

by admin July 19, 2019

The Best Ideas for Easter Cupcakes Images .For those of you not consuming meat, right here are…
Graduation Quotes
The 20 Best Ideas for Graduation Congratulations Quotes for Friends

by admin July 19, 2019

by admin July 19, 2019

The 20 Best Ideas for Graduation Congratulations Quotes for Friends . Right here are some funny college…
Best Pi Day Ideas
21 Ideas for Pi Day Cake Ideas

by admin July 19, 2019

by admin July 19, 2019

21 Ideas for Pi Day Cake Ideas .While just a handful of numbers are required for typical…
Kitchen Ideas
20 Pretty Small Portable Kitchen island

by admin July 18, 2019

by admin July 18, 2019

20 Pretty Small Portable Kitchen island .A small kitchen can still have a huge individuality. Enter this…
Nail Designs
Top 20 Silver and Black Nail Designs

by admin July 18, 2019

by admin July 18, 2019

Top 20 Silver and Black Nail Designs .There are the standards, like pumpkins and also adorable deer,…

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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?