Home, Family, Style and Art Ideas

Mothers Day Quotes
Top 35 sons Quotes to Mother

by admin August 2, 2018

by admin August 2, 2018

Top 35 sons Quotes to Mother . Mommy’s Day lands on Sunday, Might 12 this year, and…
Birthday Gift Ideas
20 Ideas for toddler Birthday Gift Ideas

by admin August 2, 2018

by admin August 2, 2018

20 Ideas for toddler Birthday Gift Ideas .If you’re once a exclusive birthday gift, then you’ve appear…
Birthday Gift Inspirations
24 Best Ideas 80th Birthday Gift Ideas for Men

by admin August 2, 2018

by admin August 2, 2018

24 Best Ideas 80th Birthday Gift Ideas for Men . Sure, your birthday girl likes her share…
Wedding Gifts
24 Of the Best Ideas for Gift Bags Wedding

by admin August 2, 2018

by admin August 2, 2018

24 Of the Best Ideas for Gift Bags Wedding .This 25-piece gift set consists of message to…
Wedding Veils
The Best Ideas for Best Wedding Veils 2014

by admin August 2, 2018

by admin August 2, 2018

The Best Ideas for Best Wedding Veils 2014 .Steeped in custom as it is, unless needed by…
Mothers Day Gift Ideas
Top 30 Gift Ideas for Mother and Daughter

by admin August 2, 2018

by admin August 2, 2018

Top 30 Gift Ideas for Mother and Daughter .The last point any mother desires is a fistful…
Quotes for Kids
The top 20 Ideas About Kids Valentines Quotes

by admin August 2, 2018

by admin August 2, 2018

The top 20 Ideas About Kids Valentines Quotes .Individuals from every profession have something to claim about…
DIY Mask Ideas
The Best Ideas for Diy Lace Mask

by admin August 2, 2018

by admin August 2, 2018

The Best Ideas for Diy Lace Mask . It’s cool outside, so your skin’s probably a bit…
Birthday Gift Inspirations
The 24 Best Ideas for 90 Year Old Birthday Gift

by admin August 2, 2018

by admin August 2, 2018

The 24 Best Ideas for 90 Year Old Birthday Gift . Sure, you can select something cool…
Best Thanksgiving Ideas
The Best Ideas for Recipe for Thanksgiving Ham

by admin August 1, 2018

by admin August 1, 2018

The Best Ideas for Recipe for Thanksgiving Ham .You have to birth in mind that Thanksgiving is…

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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?