Home, Family, Style and Art Ideas

Christmas Party Ideas
25 Best Fun Staff Christmas Party Ideas

by admin August 25, 2018

by admin August 25, 2018

25 Best Fun Staff Christmas Party Ideas . Start your party preparation with our enjoyable Christmas party…
Funny Birthday Ideas
The 21 Best Ideas for Happy Birthday Poems for Him Funny

by admin August 25, 2018

by admin August 25, 2018

The 21 Best Ideas for Happy Birthday Poems for Him Funny .Birthday is an opportunity to make…
Anklets
20 Of the Best Ideas for Anklet Bracelet

by admin August 25, 2018

by admin August 25, 2018

20 Of the Best Ideas for Anklet Bracelet .An anklet, also called ankle joint chain, ankle arm…
Birthday Wishes Ideas
25 Ideas for 13th Birthday Wishes

by admin August 25, 2018

by admin August 25, 2018

25 Ideas for 13th Birthday Wishes . Birthday celebrations are among the most renowned occasions of our…
Education Quotes
35 Best Ideas Education Quotes for Students

by admin August 25, 2018

by admin August 25, 2018

35 Best Ideas Education Quotes for Students .Education and learning is perhaps one of the most essential…
Baby Shower Party
25 Of the Best Ideas for Baby Girl Bday Party

by admin August 25, 2018

by admin August 25, 2018

25 Of the Best Ideas for Baby Girl Bday Party .Infant shower video games differ, often including…
Beef Recipes
The 21 Best Ideas for Left Beef Pizza

by admin August 25, 2018

by admin August 25, 2018

The 21 Best Ideas for Left Beef Pizza .Regardless of where life takes you across this terrific…
Nail Designs
20 Of the Best Ideas for Nail Designs Burgundy

by admin August 25, 2018

by admin August 25, 2018

20 Of the Best Ideas for Nail Designs Burgundy .When the intense white shades of summer season…
Wedding Vows
The top 21 Ideas About Wedding Vows for Him Examples

by admin August 25, 2018

by admin August 25, 2018

The top 21 Ideas About Wedding Vows for Him Examples .You need to provide on your own…
Wedding Dresses
The Best Ideas for Wedding Dresses St Louis

by admin August 24, 2018

by admin August 24, 2018

The Best Ideas for Wedding Dresses St Louis .There are numerous wedding celebration details that you need…

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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?