Home, Family, Style and Art Ideas

Necklaces
20 Best Heart Shaped Locket Necklace

by admin April 5, 2019

by admin April 5, 2019

20 Best Heart Shaped Locket Necklace .Jewelry collections make an outstanding gift for your wife, mom, sis…
Living Room Ideas
23 Dreamy Wall Paint for Living Room

by admin April 5, 2019

by admin April 5, 2019

23 Dreamy Wall Paint for Living Room .A coat of fresh paint can breathe life into your…
Bedroom Ideas
25 Lovely Sea Salt Paint Bedroom

by admin April 5, 2019

by admin April 5, 2019

25 Lovely Sea Salt Paint Bedroom .We’ll be the very first to admit that waking up early…
Bathroom Ideas
25 top Bathroom Vanity Lighting Design

by admin April 5, 2019

by admin April 5, 2019

25 top Bathroom Vanity Lighting Design .This modern restroom includes a well balanced mix of shapes: rectangular…
Natural Hairstyles
24 Ideas for Hairstyles Natural

by admin April 5, 2019

by admin April 5, 2019

24 Ideas for Hairstyles Natural .There are a great deal of contaminants we receive from everywhere as…
Best St. Patrick Day Ideas
The Best Ideas for St. Patrick's Day Crafts

by admin April 5, 2019

by admin April 5, 2019

The Best Ideas for St. Patrick&#039;s Day Crafts .The surprise variable. The majority of people anticipate to…
Birthday Quote Ideas
Top 35 Dirty 30 Birthday Quotes

by admin April 5, 2019

by admin April 5, 2019

Top 35 Dirty 30 Birthday Quotes . These birthday quotes are an excellent place to start, however…
Gift Ideas For Boyfriend
The 25 Best Ideas for thoughtful Gift Ideas for Boyfriends

by admin April 5, 2019

by admin April 5, 2019

The 25 Best Ideas for thoughtful Gift Ideas for Boyfriends .Maybe his last gift to you was…
Best Easter Ideas
Top 25 Religious Easter Crafts for Preschool

by admin April 5, 2019

by admin April 5, 2019

Top 25 Religious Easter Crafts for Preschool .Lots of people like to enhance the outside of their…
Easter Recipes
The Best Ideas for Boston Market Easter Dinner 2020

by admin April 5, 2019

by admin April 5, 2019

The Best Ideas for Boston Market Easter Dinner 2020 .This classy appetizer comes together easily with easy,…

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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?