Home, Family, Style and Art Ideas

Christmas Gift Ideas
Top 20 Christmas Gift Ideas for 14 Year Old Daughter

by admin August 14, 2018

by admin August 14, 2018

Top 20 Christmas Gift Ideas for 14 Year Old Daughter .Discover the best gift for everybody on…
Anniversary Gift Ideas
20 Best 8th Anniversary Gift Ideas for Him

by admin August 14, 2018

by admin August 14, 2018

20 Best 8th Anniversary Gift Ideas for Him .You love your partner and also you dislike them…
Leadership Quotes
The 22 Best Ideas for Change Leadership Quotes

by admin August 14, 2018

by admin August 14, 2018

The 22 Best Ideas for Change Leadership Quotes . ” Leadership is resolving problems. The day soldiers…
DIY Crafts for Kids
22 Ideas for Kids Craft Deluxe Vanity

by admin August 14, 2018

by admin August 14, 2018

22 Ideas for Kids Craft Deluxe Vanity .A little really felt, googly eyes, as well as glue,…
DIY Kit Ideas
Top 23 Diy Log Cabin Kits

by admin August 14, 2018

by admin August 14, 2018

Top 23 Diy Log Cabin Kits .Although doing not have different techniques of fire illumination, the Zippo…
Bedroom Ideas
23 Stunning Desk for Small Bedroom

by admin August 14, 2018

by admin August 14, 2018

23 Stunning Desk for Small Bedroom .Calling all tiny space residents! Large city homes, classic residence layouts,…
Funny Quotes
The 25 Best Ideas for Funny Beatles Quotes

by admin August 14, 2018

by admin August 14, 2018

The 25 Best Ideas for Funny Beatles Quotes . I do not believe that you can give…
Birthday Quote Ideas
35 Ideas for 50th Birthday Quotes for Mom

by admin August 14, 2018

by admin August 14, 2018

35 Ideas for 50th Birthday Quotes for Mom . Our web site uses a multitude of the…
Marriage Quotes
The 25 Best Ideas for Young Marriage Quotes

by admin August 14, 2018

by admin August 14, 2018

The 25 Best Ideas for Young Marriage Quotes . Early in my life, I had a broken…
Bathroom Ideas
35 Spectacular Bathroom Door Mirror

by admin August 14, 2018

by admin August 14, 2018

35 Spectacular Bathroom Door Mirror .If you seem like you can never ever have adequate mirrors for…

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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?