Home, Family, Style and Art Ideas

Nail Ideas
23 Best Ideas Pretty Nail Ideas

by admin September 29, 2018

by admin September 29, 2018

23 Best Ideas Pretty Nail Ideas .There are the standards, like pumpkins and cute deer, and then…
Baby Shower Party
25 Ideas for Little Baby Bum Party

by admin September 29, 2018

by admin September 29, 2018

25 Ideas for Little Baby Bum Party .Regular gifts connected to children consist of baby diapers, coverings,…
Best Thanksgiving Ideas
Top 24 Thanksgiving Craft Ideas Pinterest

by admin September 29, 2018

by admin September 29, 2018

Top 24 Thanksgiving Craft Ideas Pinterest .Thanksgiving is around the corner, and you have just finished commemorating…
Dinner Party Ideas
24 Best Hostess Gifts Ideas for Dinner Party

by admin September 29, 2018

by admin September 29, 2018

24 Best Hostess Gifts Ideas for Dinner Party . Can I pull out all the stops, producing…
Beautiful Nails
The Best Pretty Black Nails

by admin September 29, 2018

by admin September 29, 2018

The Best Pretty Black Nails .Our special services include late nights, commitment plans, unique hire, skincare occasions…
Rings
21 Best Alternative Wedding Rings

by admin September 29, 2018

by admin September 29, 2018

21 Best Alternative Wedding Rings .A ring for today as well as all of your tomorrows. You…
Kids Room Décor Ideas
The Best Kids Room Decorations

by admin September 28, 2018

by admin September 28, 2018

The Best Kids Room Decorations .Give your kid’s room a makeover that is sure to become a…
Birthday Wishes Ideas
Top 25 Birthday Wishes for A Male Friend

by admin September 28, 2018

by admin September 28, 2018

Top 25 Birthday Wishes for A Male Friend .Sending out birthday introductions has actually become a needed…
Nail Designs
Top 20 Red Black Nail Designs

by admin September 28, 2018

by admin September 28, 2018

Top 20 Red Black Nail Designs .Wonderful all set to book your following manicure, due to the…
High Fiber Recipes
The Best Fiber One Brownies Reviews

by admin September 28, 2018

by admin September 28, 2018

The Best Fiber One Brownies Reviews .High-Fiber Recipes Muffins, smoothies, as well as meal concepts to assist…

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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?