Home, Family, Style and Art Ideas

Funny Birthday Ideas
The 21 Best Ideas for 40 Birthday Quotes Funny

by admin June 23, 2018

by admin June 23, 2018

The 21 Best Ideas for 40 Birthday Quotes Funny . Welcome to our collection of amusing birthday…
Appetizer Recipes
Top 30 Vegan Thanksgiving Appetizers

by admin June 23, 2018

by admin June 23, 2018

Top 30 Vegan Thanksgiving Appetizers .Select these very easy, no-mess appetizers when you require to take a…
Baby Shower Party
The Best Welcome Baby Boy Party Ideas

by admin June 23, 2018

by admin June 23, 2018

The Best Welcome Baby Boy Party Ideas .When an infant shower is held after the birth of…
Nail Designs
20 Best Fabulous Nail Designs

by admin June 23, 2018

by admin June 23, 2018

20 Best Fabulous Nail Designs .As soon as the bright white tones of summer have gone away…
Inspirational Quotes
24 Best Ideas Inspirational Teamwork Quotes

by admin June 23, 2018

by admin June 23, 2018

24 Best Ideas Inspirational Teamwork Quotes . This is a quote that can come in helpful if…
Best Christmas Ideas
25 Of the Best Ideas for the Christmas Gift Cast

by admin June 23, 2018

by admin June 23, 2018

25 Of the Best Ideas for the Christmas Gift Cast .Christmas ideas for presents can range from…
Birthday Gift Inspirations
24 Best Ideas Best Birthday Gift Ever

by admin June 23, 2018

by admin June 23, 2018

24 Best Ideas Best Birthday Gift Ever .How to Select the Perfect Birthday GiftYes, we know. You…
Bathroom Ideas
30 Superb Green Bathroom Decorating Ideas

by admin June 23, 2018

by admin June 23, 2018

30 Superb Green Bathroom Decorating Ideas .Imagine trying to live without a washroom. You use it each…
Kids Party Ideas
Best 24 Spa Party Kids

by admin June 23, 2018

by admin June 23, 2018

Best 24 Spa Party Kids .Well, retreat room problems are usually oriented on grown-ups who intend to…
Living Room Ideas
20 Perfect Examples Of Stylish Wood Wall Living Room

by admin June 23, 2018

by admin June 23, 2018

20 Perfect Examples Of Stylish Wood Wall Living Room .This was a tough job due to the…

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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?