Home, Family, Style and Art Ideas

Mothers Day Gift Ideas
Top 30 Mothers Day Gift Ideas From toddlers

by admin August 21, 2018

by admin August 21, 2018

Top 30 Mothers Day Gift Ideas From toddlers .The last point any mom wants is a fistful…
Jewelry Sets
25 Best Ideas Black Wedding Band Sets

by admin August 21, 2018

by admin August 21, 2018

25 Best Ideas Black Wedding Band Sets .Fashion jewelry collections make an exceptional gift for your other…
Holiday Gift Ideas
Top 22 Holiday Food Gift Ideas

by admin August 21, 2018

by admin August 21, 2018

Top 22 Holiday Food Gift Ideas .Our annual present guides intend to make vacation purchasing personal, thoughtful,…
Bathroom Ideas
22 Superb Contemporary Master Bathroom

by admin August 21, 2018

by admin August 21, 2018

22 Superb Contemporary Master Bathroom .When it concerns gorgeous bathroom design, the looks and function of the…
Relationship Quotes
The Best Ideas for Quotes On Money and Relationship

by admin August 21, 2018

by admin August 21, 2018

The Best Ideas for Quotes On Money and Relationship .Relationships are like the trends: they ebb and…
Best Valentines Day Ideas
The Best Valentines Day Ideas for Girlfriend

by admin August 21, 2018

by admin August 21, 2018

The Best Valentines Day Ideas for Girlfriend .I indicate Valentines Day. If you have a partner, partner…
Nail Designs
20 Ideas for Ninja Turtle Nail Designs

by admin August 21, 2018

by admin August 21, 2018

20 Ideas for Ninja Turtle Nail Designs .If you are looking for a subdued gel nail suggestion,…
Best Passover Ideas
The Best Ideas for Passover Breakfast Ideas

by admin August 21, 2018

by admin August 21, 2018

The Best Ideas for Passover Breakfast Ideas .Passover is a time for reaching out to those whom…
Birthday Party Inspirations
Top 30 Blues Clues Birthday Party Supplies

by admin August 21, 2018

by admin August 21, 2018

Top 30 Blues Clues Birthday Party Supplies . First Birthday Celebration Ideas >> Barnyard First Birthday Celebration…
Marriage Quotes
Best 25 Friends Marriage Quotes

by admin August 21, 2018

by admin August 21, 2018

Best 25 Friends Marriage Quotes .The real act of marriage takes place in the heart, not in…

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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?