Home, Family, Style and Art Ideas

Christmas Party Ideas
25 Ideas for Cheap Christmas Party Ideas

by admin October 4, 2018

by admin October 4, 2018

25 Ideas for Cheap Christmas Party Ideas . If individuals are seeming much less energetic for the…
Crochet Hairstyles
22 Best Ideas New Crochet Hairstyles

by admin October 4, 2018

by admin October 4, 2018

22 Best Ideas New Crochet Hairstyles .Crochet braids are an affordable pigtail design as well as they…
Birthday Gift Ideas
Top 20 Gift Ideas for Brother In Law Birthday

by admin October 4, 2018

by admin October 4, 2018

Top 20 Gift Ideas for Brother In Law Birthday . So, below at one particular place, you…
Bathroom Ideas
23 Gorgeous Narrow Bathroom Sinks and Vanities

by admin October 4, 2018

by admin October 4, 2018

23 Gorgeous Narrow Bathroom Sinks and Vanities .Be sure, when it comes to new bathroom sink taps,…
Mothers Day Quotes
Top 35 Thank You Mother Quotes

by admin October 4, 2018

by admin October 4, 2018

Top 35 Thank You Mother Quotes .Mother’s Day is the special time of year when you get…
Gifts for Kids
The Best Get Well Gifts for Kids Same Day Delivery

by admin October 4, 2018

by admin October 4, 2018

The Best Get Well Gifts for Kids Same Day Delivery .Seeking something a bit much more certain?…
Relationship Quotes
30 Best Romantic Relationship Quotes

by admin October 3, 2018

by admin October 3, 2018

30 Best Romantic Relationship Quotes .Relationships are like the tides: they ups and downs. As well as…
Birthday Decoration Ideas
Top 23 Bubble Guppies Birthday Decorations

by admin October 3, 2018

by admin October 3, 2018

Top 23 Bubble Guppies Birthday Decorations .Women’ Birthday Celebration Products Choose from 70+ birthday celebration patterns for…
Birthday Gift Inspirations
Top 24 Birthday Gifts for Brother

by admin October 3, 2018

by admin October 3, 2018

Top 24 Birthday Gifts for Brother . Certain, you can select something cool down off of the…
Halloween Party Ideas
The Best 3rd Grade Halloween Party Ideas

by admin October 3, 2018

by admin October 3, 2018

The Best 3rd Grade Halloween Party Ideas . There are a lot of Halloween party themes to…

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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?