Home, Family, Style and Art Ideas

Christmas Gift Ideas
The Best Christmas Gift Certificate Ideas

by admin November 15, 2018

by admin November 15, 2018

The Best Christmas Gift Certificate Ideas . For a DIY Christmas gift your loved ones can take…
Baby Room Décor
20 Ideas for Baby Shower Wall Decorations Ideas

by admin November 14, 2018

by admin November 14, 2018

20 Ideas for Baby Shower Wall Decorations Ideas .When deciding on your baby s baby room theme,…
Best Fathers Day Ideas
The 20 Best Ideas for Ideas for Fathers Day Card

by admin November 14, 2018

by admin November 14, 2018

The 20 Best Ideas for Ideas for Fathers Day Card .Daddies day may get on a Sunday…
DIY Kit Ideas
Top 23 Diy Succulent Terrarium Kit

by admin November 14, 2018

by admin November 14, 2018

Top 23 Diy Succulent Terrarium Kit .Doing not have different approaches of fire lights, the Zippo Emergency…
Rings
The 21 Best Ideas for Diamond Pinky Rings

by admin November 14, 2018

by admin November 14, 2018

The 21 Best Ideas for Diamond Pinky Rings .A ring for today as well as all of…
Motivational Quotes
30 Best Ideas Physical therapy Quotes Motivational

by admin November 14, 2018

by admin November 14, 2018

30 Best Ideas Physical therapy Quotes Motivational .Effective individuals don’t come to be by doing this overnight.…
Beautiful Nails
20 Of the Best Ideas for Pretty Nails Oswego

by admin November 14, 2018

by admin November 14, 2018

20 Of the Best Ideas for Pretty Nails Oswego .Beautiful Nails & Body Beauty salon brings a…
Mermaid Party Ideas
The Best Mermaid Party Ideas Food

by admin November 14, 2018

by admin November 14, 2018

The Best Mermaid Party Ideas Food .Mermaids allow with children. In various other information, water is wet.…
Gender Reveal Party Ideas
The 20 Best Ideas for Gender Reveal Party Ideas

by admin November 14, 2018

by admin November 14, 2018

The 20 Best Ideas for Gender Reveal Party Ideas . I went to a gender reveal party…
Baby Shower Party
The Best Baby Girls Birthday Party Ideas

by admin November 14, 2018

by admin November 14, 2018

The Best Baby Girls Birthday Party Ideas .The baby shower is a family members’s very first possibility…

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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?