Home, Family, Style and Art Ideas

Wedding Invitations
21 Ideas for Wedding Invitations Unique

by admin March 2, 2019

by admin March 2, 2019

21 Ideas for Wedding Invitations Unique .Wedding event invites likewise differ in cost factor from very expensive…
Chili Recipes
Top 25 Chipotle Turkey Chili

by admin March 2, 2019

by admin March 2, 2019

Top 25 Chipotle Turkey Chili .Wish to find out exactly how to make homemade chili? This very…
Wedding Gifts
The Best Perfect Wedding Gifts

by admin March 2, 2019

by admin March 2, 2019

The Best Perfect Wedding Gifts .You can Send your best wishes with a sophisticated wedding present basket…
Wedding Gowns
23 Best 1920's Wedding Gowns

by admin March 2, 2019

by admin March 2, 2019

23 Best 1920&#039;s Wedding Gowns .What is the Shape and why is it so crucial? Shape refers…
Nail Ideas
23 Ideas for Blue Nail Ideas

by admin March 1, 2019

by admin March 1, 2019

23 Ideas for Blue Nail Ideas .A little of sparkle never ever injured any individual, and this…
Wedding Vows
The 21 Best Ideas for for Better or for Worse Wedding Vows

by admin March 1, 2019

by admin March 1, 2019

The 21 Best Ideas for for Better or for Worse Wedding Vows .Wedding vows are taken today…
Living Room Ideas
22 Charming Small Kitchen Living Room Ideas

by admin March 1, 2019

by admin March 1, 2019

22 Charming Small Kitchen Living Room Ideas .Contemporary living space de cor withstands the trivial matters of…
Wedding Gift Ideas
The 20 Best Ideas for Christian Wedding Gift Ideas

by admin March 1, 2019

by admin March 1, 2019

The 20 Best Ideas for Christian Wedding Gift Ideas . And then certainly, there are just the…
Halloween Party Ideas
23 Of the Best Ideas for Halloween Party Centerpieces Ideas

by admin March 1, 2019

by admin March 1, 2019

23 Of the Best Ideas for Halloween Party Centerpieces Ideas .Though trick-or-treating and gathering the perfect Halloween…
Gift Ideas For Girlfriend
35 Best Xmas Gift Ideas for Girlfriend

by admin March 1, 2019

by admin March 1, 2019

35 Best Xmas Gift Ideas for Girlfriend . Make your next gift the best gift for your…

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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?