Home, Family, Style and Art Ideas

Birthday Invitation Ideas
25 Of the Best Ideas for 60th Birthday Invitations

by admin October 9, 2018

by admin October 9, 2018

25 Of the Best Ideas for 60th Birthday Invitations . Prior to the wedding day, strategy ahead…
Birthday Decoration Ideas
23 Of the Best Ideas for 50 Birthday Decorations

by admin October 9, 2018

by admin October 9, 2018

23 Of the Best Ideas for 50 Birthday Decorations . Host the Ultimate Bash with Themed Birthday…
Kids Room Décor Ideas
Top 23 Book Storage Kids Room

by admin October 9, 2018

by admin October 9, 2018

Top 23 Book Storage Kids Room .Adolescent bedroom suggestions As children grow up, their bedroom becomes a…
DIY Craft for Kids Ideas
20 Best Ideas Diy Kids Kitchen

by admin October 9, 2018

by admin October 9, 2018

20 Best Ideas Diy Kids Kitchen . A recent study by Dr. Richard Rende revealed that creative…
DIY Baby Shower Ideas
20 Best Diy Baby Headband

by admin October 8, 2018

by admin October 8, 2018

20 Best Diy Baby Headband .Get ready for a child shower with these diy celebration ideas. Required…
Nail Colors
The Best Ideas for Opi Nail Colors Spring 2020

by admin October 8, 2018

by admin October 8, 2018

The Best Ideas for Opi Nail Colors Spring 2020 .From the realms of the Egyptian Pharaohs to…
Pool Party Ideas
The top 23 Ideas About Emoji Pool Party Ideas

by admin October 8, 2018

by admin October 8, 2018

The top 23 Ideas About Emoji Pool Party Ideas . A summertime Olympics-themed pool party is one…
Mermaid Party Ideas
20 Best Ideas Ideas for Little Mermaid Party

by admin October 8, 2018

by admin October 8, 2018

20 Best Ideas Ideas for Little Mermaid Party .Mermaids allow with kids. In other information, water is…
Birthday Wishes Ideas
25 Best Ideas Naked Birthday Wishes

by admin October 8, 2018

by admin October 8, 2018

25 Best Ideas Naked Birthday Wishes . Birthday celebrations are amongst one of the most renowned occasions…
Jewelry Sets
The Best Ideas for Bridal Diamond Ring Sets

by admin October 8, 2018

by admin October 8, 2018

The Best Ideas for Bridal Diamond Ring Sets .Precious jewelry collections make an exceptional present 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?