Home, Family, Style and Art Ideas

Mothers Day Gift Ideas
30 Best Mother Of the Groom Gift Ideas

by admin June 15, 2019

by admin June 15, 2019

30 Best Mother Of the Groom Gift Ideas .The last thing any type of mother desires is…
Graduation Gift Ideas
Best 25 Gift Ideas for 5th Grade Graduation

by admin June 15, 2019

by admin June 15, 2019

Best 25 Gift Ideas for 5th Grade Graduation . Whether graduates are mosting likely to college, heading…
Anniversary Gift Ideas
Top 20 45 Year Anniversary Gift Ideas

by admin June 15, 2019

by admin June 15, 2019

Top 20 45 Year Anniversary Gift Ideas .You enjoy your partner and you despise them in some…
Romantic Quotes
23 Best Most Romantic Quotes

by admin June 15, 2019

by admin June 15, 2019

23 Best Most Romantic Quotes .The important things is that love gives us a ringside seat on…
Earrings
Best 24 Earrings for Prom

by admin June 15, 2019

by admin June 15, 2019

Best 24 Earrings for Prom .An earring is a piece of precious jewelry connected to the ear…
Anniversary Gift Ideas
20 Best 7 Year Anniversary Gift Ideas for Him

by admin June 15, 2019

by admin June 15, 2019

20 Best 7 Year Anniversary Gift Ideas for Him .You enjoy your spouse and you despise them…
Relationship Quotes
30 Of the Best Ideas for Relationship Argue Quotes

by admin June 15, 2019

by admin June 15, 2019

30 Of the Best Ideas for Relationship Argue Quotes .Well, in those moments, you could most likely…
Nail Designs
The Best Ideas for Nail Designs for Stiletto Nails

by admin June 15, 2019

by admin June 15, 2019

The Best Ideas for Nail Designs for Stiletto Nails .There are the classics, like pumpkins as well…
Wedding Gift Ideas
20 Best Ideas Ideas for Wedding Gift

by admin June 15, 2019

by admin June 15, 2019

20 Best Ideas Ideas for Wedding Gift .A collection of luggage is an ideal gift for the…
Romantic Quotes
Best 23 Romantic Sunset Quotes

by admin June 15, 2019

by admin June 15, 2019

Best 23 Romantic Sunset Quotes .Things is that love provides us a ringside seat on somebody else’s…

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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?