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Baby Room Décor
The top 20 Ideas About Rubber Ducky Baby Shower Decorations Ideas

by admin October 30, 2018

by admin October 30, 2018

The top 20 Ideas About Rubber Ducky Baby Shower Decorations Ideas .When deciding on your child s…
Wedding Cakes
23 Best Lenox Wedding Cake toppers

by admin October 30, 2018

by admin October 30, 2018

23 Best Lenox Wedding Cake toppers .There are a variety of dishes for making butter cream topping,…
Kids Party Ideas
The Best Ideas for Tea Party Hats for Kids

by admin October 30, 2018

by admin October 30, 2018

The Best Ideas for Tea Party Hats for Kids .It s a large headache when you require…
Wedding Gift Ideas
20 Best Mexican Wedding Gift Ideas

by admin October 29, 2018

by admin October 29, 2018

20 Best Mexican Wedding Gift Ideas . And also then of training course, there are just the…
Wedding Vows
Best 21 Geeky Wedding Vows

by admin October 29, 2018

by admin October 29, 2018

Best 21 Geeky Wedding Vows .You ought to give on your own a pat on the back…
Cute Hairstyles
22 Best Cute Short Haircuts 2020

by admin October 29, 2018

by admin October 29, 2018

22 Best Cute Short Haircuts 2020 .Treating your hair with top quality shampoos and conditioners is very…
Nail Designs
Top 20 Fall Leaves Nail Designs

by admin October 29, 2018

by admin October 29, 2018

Top 20 Fall Leaves Nail Designs .Fantastic prepared to schedule your next manicure, because this nail inspo…
DIY Baby Shower Ideas
The Best Ideas for Diy Baby Shower Guest Book

by admin October 29, 2018

by admin October 29, 2018

The Best Ideas for Diy Baby Shower Guest Book .Prepare yourself for an infant shower with these…
Baby Shower Gifts
21 Best Gifts for 3 Month Old Baby Boy

by admin October 29, 2018

by admin October 29, 2018

21 Best Gifts for 3 Month Old Baby Boy .Everyday requirements: Baby diapers, diaper lotion, baby wipes,…
Friendship Quotes
Best 21 Friendship Quotes Picture

by admin October 29, 2018

by admin October 29, 2018

Best 21 Friendship Quotes Picture . Relationships are born in a million different methods, as well as…

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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?