Home, Family, Style and Art Ideas

Birthday Gift Ideas
Best 20 Gift Ideas for 1st Birthday

by admin July 25, 2018

by admin July 25, 2018

Best 20 Gift Ideas for 1st Birthday . Determine towards our large wide variety of resourceful reward…
Mothers Day Gift Ideas
The Best New Mom Mother Day Gift Ideas

by admin July 25, 2018

by admin July 25, 2018

The Best New Mom Mother Day Gift Ideas .The last point any mama wants is a fistful…
Retirement Party Ideas
22 Ideas for Funny Teacher Retirement Party Ideas

by admin July 25, 2018

by admin July 25, 2018

22 Ideas for Funny Teacher Retirement Party Ideas .The Big Takeaways … When intending somebody’s retired life…
Chinese Recipes
The Best Ideas for Chinese Bun Recipes

by admin July 25, 2018

by admin July 25, 2018

The Best Ideas for Chinese Bun Recipes .This is a crispy, splendidly pleasing salad that is fantastic…
Friendship Quotes
21 Best Ideas Dr Seuss Quotes About Friendship

by admin July 25, 2018

by admin July 25, 2018

21 Best Ideas Dr Seuss Quotes About Friendship . Friendships are born in a million different ways,…
Holiday Gift Ideas
22 Ideas for Diy Holiday Gift Ideas

by admin July 25, 2018

by admin July 25, 2018

22 Ideas for Diy Holiday Gift Ideas .Our annual gift overviews intend to make holiday shopping personal,…
Nail Colors
22 Of the Best Ideas for Fall Winter Nail Colors

by admin July 25, 2018

by admin July 25, 2018

22 Of the Best Ideas for Fall Winter Nail Colors .Juicy reds are soaring up the design…
Fathers Day Gift Ideas
The 22 Best Ideas for Father Gift Ideas

by admin July 25, 2018

by admin July 25, 2018

The 22 Best Ideas for Father Gift Ideas .Father states he is carefree and desires for absolutely…
Wedding Makeup
The top 25 Ideas About How to Apply Wedding Makeup

by admin July 25, 2018

by admin July 25, 2018

The top 25 Ideas About How to Apply Wedding Makeup .It’s best to experiment in advance to…
Necklaces
20 Best Ideas Michael Kors Necklaces

by admin July 25, 2018

by admin July 25, 2018

20 Best Ideas Michael Kors Necklaces .Fashion jewelry collections make an outstanding present for your other half,…

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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?