Home, Family, Style and Art Ideas

Best Memorial Day Ideas
23 Of the Best Ideas for Memorial Day Weekend Ideas

by admin December 20, 2023

by admin December 20, 2023

23 Of the Best Ideas for Memorial Day Weekend Ideas .Memorial Day is a special celebration in…
Rings
The 21 Best Ideas for Kays Jewelry Wedding Rings

by admin December 20, 2023

by admin December 20, 2023

The 21 Best Ideas for Kays Jewelry Wedding Rings .A ring for today and all of your…
Pool Party Ideas
The Best Ideas for Pool Party Goody Bags Ideas

by admin December 19, 2023

by admin December 19, 2023

The Best Ideas for Pool Party Goody Bags Ideas .You’ll discover all the party products you’ll need,…
Short Hairstyles
Top 20 Short Haircuts 2020 for Women Over 50

by admin December 19, 2023

by admin December 19, 2023

Top 20 Short Haircuts 2020 for Women Over 50 .Bob haircuts enter the image as quickly as…
Pins
The 23 Best Ideas for Pins Ideas

by admin December 19, 2023

by admin December 19, 2023

The 23 Best Ideas for Pins Ideas .There s no better method to liven up your collar…
Kids Room Décor Ideas
The 23 Best Ideas for Chat Room Kids

by admin December 19, 2023

by admin December 19, 2023

The 23 Best Ideas for Chat Room Kids .The shades showed on this website are indicative as…
Graduation Gift Ideas
25 Ideas for Graduation Gift Ideas College Students

by admin December 18, 2023

by admin December 18, 2023

25 Ideas for Graduation Gift Ideas College Students . It’s the best gift they can stand out…
Birthday Gift Ideas
The Best 3 Year Old Birthday Gift Ideas Girl

by admin December 18, 2023

by admin December 18, 2023

The Best 3 Year Old Birthday Gift Ideas Girl . Consider from our broad selection of creative…
Women Hairstyles
20 Of the Best Ideas for Emo Hairstyles for Women

by admin December 18, 2023

by admin December 18, 2023

20 Of the Best Ideas for Emo Hairstyles for Women .Medium hairstyles remain in fact, the best…
Birthday Gift Inspirations
Top 24 Gag Gifts for 40th Birthday

by admin December 17, 2023

by admin December 17, 2023

Top 24 Gag Gifts for 40th Birthday . Certain, you can choose something cool off of the…

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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?