Home, Family, Style and Art Ideas

Birthday Card Ideas
22 Of the Best Ideas for Large Birthday Cards

by admin August 23, 2018

by admin August 23, 2018

22 Of the Best Ideas for Large Birthday Cards . Browse these homemade birthday card concepts to…
Best Memorial Day Ideas
The Best Ideas for Memorial Day Party

by admin August 23, 2018

by admin August 23, 2018

The Best Ideas for Memorial Day Party .Memorial Day is an unique occasion in which we can…
Cute Hairstyles
The Best Cute Hairstyles with Braiding Hair

by admin August 23, 2018

by admin August 23, 2018

The Best Cute Hairstyles with Braiding Hair .Adorable Hairstyles For Brief Hair include kicky cool to very…
Family Quotes
23 Ideas for Christian Quote About Family

by admin August 23, 2018

by admin August 23, 2018

23 Ideas for Christian Quote About Family .Family is one of the most vital, if not the…
Best Thanksgiving Ideas
The Best Easy Thanksgiving Food

by admin August 23, 2018

by admin August 23, 2018

The Best Easy Thanksgiving Food .You have to birth in mind that Thanksgiving is only a few…
Beautiful Nails
20 Best Ideas Pretty Nails Latham Ny

by admin August 23, 2018

by admin August 23, 2018

20 Best Ideas Pretty Nails Latham Ny .Our expert as well as welcoming team make it their…
Best Valentines Day Ideas
Best 20 Gay Valentines Day Gift

by admin August 23, 2018

by admin August 23, 2018

Best 20 Gay Valentines Day Gift .An exceptional Valentines Day suggestion for your sweetheart can be a…
Garage Ideas
23 Fancy Garage Door Repairs

by admin August 23, 2018

by admin August 23, 2018

23 Fancy Garage Door Repairs .In the marketplace for above garage doors? Surf our selection of Pella…
Education Quotes
35 Best Ideas Mahatma Gandhi Quotes On Education

by admin August 23, 2018

by admin August 23, 2018

35 Best Ideas Mahatma Gandhi Quotes On Education . In the perfect case, education and learning and…
Summer Party Ideas
22 Ideas for Summer Teenage Party Ideas

by admin August 23, 2018

by admin August 23, 2018

22 Ideas for Summer Teenage Party Ideas .@[Warm climate calls for a fun summertime celebration with friends…

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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?