Home, Family, Style and Art Ideas

Landscape Ideas
21 Gorgeous Landscape Timber Fence

by admin September 21, 2018

by admin September 21, 2018

21 Gorgeous Landscape Timber Fence .The old expression “Excellent fences make good next-door neighbors” holds true, yet…
Nail Ideas
23 Of the Best Ideas for Black and Gold Nail Ideas

by admin September 21, 2018

by admin September 21, 2018

23 Of the Best Ideas for Black and Gold Nail Ideas .Terrific all set to book your…
Wedding Colors
24 Best Ideas Country Wedding Color Schemes

by admin September 21, 2018

by admin September 21, 2018

24 Best Ideas Country Wedding Color Schemes .The colors you choose will, obviously, depend on the time…
Backyard Party Ideas
23 Best Backyard Winter Party Ideas

by admin September 21, 2018

by admin September 21, 2018

23 Best Backyard Winter Party Ideas . Backyard celebrations are crucial to summertime. They’ve got a built-in,…
Dinner Party Ideas
24 Best Dinner Ideas for Party

by admin September 21, 2018

by admin September 21, 2018

24 Best Dinner Ideas for Party .We’ve assembled a collection of supper party ideas, recipes, food selection…
Nail Designs
20 Best White and Silver Nail Designs

by admin September 20, 2018

by admin September 20, 2018

20 Best White and Silver Nail Designs .If you are looking for a suppressed gel nail idea,…
Recipes for Kids
The Best Easy Easter Recipes for Kids

by admin September 20, 2018

by admin September 20, 2018

The Best Easy Easter Recipes for Kids .When it comes time to consume, kids are completely unpredictable…
Bathroom Ideas
23 Charming Half Bathroom Remodels

by admin September 20, 2018

by admin September 20, 2018

23 Charming Half Bathroom Remodels .In some cases the essence of high-end isn’t in abundance, yet in…
Wedding Guest Book
21 Best Ideas Ideas for Wedding Guest Books

by admin September 20, 2018

by admin September 20, 2018

21 Best Ideas Ideas for Wedding Guest Books .Wedding celebration visitor books are unique memoirs that tape…
Best Cinco de Mayo Ideas
22 Ideas for Cinco De Mayo Party Game

by admin September 20, 2018

by admin September 20, 2018

22 Ideas for Cinco De Mayo Party Game .Mexican food lends itself to large teams, so invite…

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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?