Home, Family, Style and Art Ideas

Cookie Recipes
The Best Cookie Dough Icing

by admin October 27, 2018

by admin October 27, 2018

The Best Cookie Dough Icing .The best cookie recipe! I’ve just recently created a wheat allergy and,…
Beautiful Nails
20 Best Ideas Pretty French Tip Nails

by admin October 26, 2018

by admin October 26, 2018

20 Best Ideas Pretty French Tip Nails .Beautiful Nails & Body Salon brings an unique, indulgent and…
Gift Ideas For Boys
The Best Ideas for Gift Ideas for 13 Year Old Boys

by admin October 26, 2018

by admin October 26, 2018

The Best Ideas for Gift Ideas for 13 Year Old Boys . This gift is part plaything,…
Baby Shower Gift Ideas
The Best Gift Ideas for New Baby Girl

by admin October 26, 2018

by admin October 26, 2018

The Best Gift Ideas for New Baby Girl .It s a creature, it s a bath glove,…
DIY Gift Ideas
30 Best Diy Travel Gifts

by admin October 26, 2018

by admin October 26, 2018

30 Best Diy Travel Gifts . There is another means! You can make your own presents. Everyone…
Fathers Day Gift Ideas
Best 22 Father's Day Craft Gift Ideas

by admin October 26, 2018

by admin October 26, 2018

Best 22 Father&#039;s Day Craft Gift Ideas . If your papa is all about creating the ideal…
Anime Hairstyles
The 23 Best Ideas for Boy Anime Hairstyles

by admin October 26, 2018

by admin October 26, 2018

The 23 Best Ideas for Boy Anime Hairstyles .There aren’t many anime girls with hairless (or cut)…
Wedding Dresses
20 Of the Best Ideas for Build A Wedding Dress

by admin October 26, 2018

by admin October 26, 2018

20 Of the Best Ideas for Build A Wedding Dress .Wedding dress budget plans are rarely ever…
Birthday Gift Ideas
20 Best Gift Ideas for 40th Birthday

by admin October 26, 2018

by admin October 26, 2018

20 Best Gift Ideas for 40th Birthday . So, if yourself are likely throughout that difficulty of…
Gift Ideas For Couples
Top 20 Gift Ideas for A Married Couple

by admin October 26, 2018

by admin October 26, 2018

Top 20 Gift Ideas for A Married Couple .Locating presents for pairs is a cinch when you…

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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?