Home, Family, Style and Art Ideas

Stew Recipes
21 Ideas for Vegetarian Stew Recipes

by admin September 1, 2018

by admin September 1, 2018

21 Ideas for Vegetarian Stew Recipes .I generally make Beef Stew on the stove, yet I’ve been…
DIY Wood Ideas
The Best Ideas for Diy Wooden Puzzle

by admin September 1, 2018

by admin September 1, 2018

The Best Ideas for Diy Wooden Puzzle .Wood is just one of one of the most flexible…
Prom Hairstyles
The top 21 Ideas About Junior Prom Hairstyles

by admin September 1, 2018

by admin September 1, 2018

The top 21 Ideas About Junior Prom Hairstyles .Every single time prom period comes around, everybody is…
Wedding Decorations
Top 22 Wedding Decorations Red and White

by admin September 1, 2018

by admin September 1, 2018

Top 22 Wedding Decorations Red and White .As soon as you have scheduled and arranged for the…
Tea Party Ideas
30 Best Rainbow Tea Party Ideas

by admin September 1, 2018

by admin September 1, 2018

30 Best Rainbow Tea Party Ideas .Few tea party ideas are as crucial as tea! The trick…
Easter Recipes
The Best Ideas for Middle Eastern Rice Pilaf Recipe

by admin September 1, 2018

by admin September 1, 2018

The Best Ideas for Middle Eastern Rice Pilaf Recipe .This sophisticated appetizer integrates easily with easy, time-saving…
DIY Crafts for Kids
The top 22 Ideas About Easy Crafts for Children

by admin September 1, 2018

by admin September 1, 2018

The top 22 Ideas About Easy Crafts for Children .Young children must be concentrated on simple activities…
Family Quotes
Top 23 Sports Family Quotes

by admin September 1, 2018

by admin September 1, 2018

Top 23 Sports Family Quotes .Family members is one of the most vital, if not the most…
Jewelry Sets
25 Best Diamond Wedding Rings Sets

by admin August 31, 2018

by admin August 31, 2018

25 Best Diamond Wedding Rings Sets .Jewelry collections make an excellent present for your other half, partner,…
Baby Shower Gifts
The top 21 Ideas About Baby Name Gifts Personalized

by admin August 31, 2018

by admin August 31, 2018

The top 21 Ideas About Baby Name Gifts Personalized .When it comes to acquiring baby presents, the…

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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?