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Gifts for Kids
22 Best Ideas Harry Potter Gift Ideas for Kids

by admin August 26, 2018

by admin August 26, 2018

22 Best Ideas Harry Potter Gift Ideas for Kids .Plaything store racks are loaded with one of…
Cooking for Kids Recipes
The Best Ideas for Fast Dinners for Kids

by admin August 26, 2018

by admin August 26, 2018

The Best Ideas for Fast Dinners for Kids .There’s no doubt about it, children + cooking =…
Birthday Decoration Ideas
23 Of the Best Ideas for Star Wars Birthday Cake Decorations

by admin August 26, 2018

by admin August 26, 2018

23 Of the Best Ideas for Star Wars Birthday Cake Decorations . When it concerns birthday celebrations,…
Birthday Decoration Ideas
Best 23 Cheetah Birthday Decorations

by admin August 26, 2018

by admin August 26, 2018

Best 23 Cheetah Birthday Decorations . Balloons can be one of the most inexpensive and also simple…
Life Quotes
22 Ideas for Work Life Quote

by admin August 26, 2018

by admin August 26, 2018

22 Ideas for Work Life Quote .The purpose of life is not to be happy. It is…
Beautiful Nails
20 Of the Best Ideas for Pretty Nails

by admin August 26, 2018

by admin August 26, 2018

20 Of the Best Ideas for Pretty Nails .Our specialist as well as inviting group make it…
Rings
The 21 Best Ideas for Real Diamond Wedding Rings

by admin August 26, 2018

by admin August 26, 2018

The 21 Best Ideas for Real Diamond Wedding Rings .A ring for today and all of your…
Christmas Gift Ideas
The 20 Best Ideas for Christmas Gift Ideas for Father In Laws

by admin August 26, 2018

by admin August 26, 2018

The 20 Best Ideas for Christmas Gift Ideas for Father In Laws . For a Do It…
Halloween Party Ideas
23 Ideas for Halloween Party Ideas for 5th Graders

by admin August 26, 2018

by admin August 26, 2018

23 Ideas for Halloween Party Ideas for 5th Graders .Trick-or-treating as well as drawing with each other…
Birthday Invitation Ideas
25 Of the Best Ideas for Birthday Invitations Templates

by admin August 25, 2018

by admin August 25, 2018

25 Of the Best Ideas for Birthday Invitations Templates . Prior to the wedding day, strategy in…

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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?