Home, Family, Style and Art Ideas

Halloween Party Ideas
23 Best Ideas Disney Halloween Party Costume Ideas

by admin July 14, 2018

by admin July 14, 2018

23 Best Ideas Disney Halloween Party Costume Ideas . There are lots of Halloween party motifs to…
Cute Hairstyles
Best 22 Cute Haircuts for 10 Year Olds

by admin July 14, 2018

by admin July 14, 2018

Best 22 Cute Haircuts for 10 Year Olds .Adorable Hairstyles For Short Hair consist of kicky cool…
Short Hairstyles
20 Best Ideas Pictures Of Short Haircuts with Bangs

by admin July 14, 2018

by admin July 14, 2018

20 Best Ideas Pictures Of Short Haircuts with Bangs .Bob hairstyles come into the picture as soon…
Kids Room Décor Ideas
23 Best Ocean themed Kids Room

by admin July 14, 2018

by admin July 14, 2018

23 Best Ocean themed Kids Room .For the girl’s room, a spirited style in the kids’s room…
Nail Designs
20 Of the Best Ideas for October Nail Designs

by admin July 14, 2018

by admin July 14, 2018

20 Of the Best Ideas for October Nail Designs .There are the standards, like pumpkins and cute…
Bathroom Ideas
24 Best Of Marble Bathroom Tile

by admin July 14, 2018

by admin July 14, 2018

24 Best Of Marble Bathroom Tile .Train floor tile is one of the most versatile layout options.…
Best Valentines Day Ideas
The Best Funny Single Valentines Day Quotes

by admin July 14, 2018

by admin July 14, 2018

The Best Funny Single Valentines Day Quotes .There are thousands of valentine day ideas to select from…
Cooking for Two Recipes
The 21 Best Ideas for Pork Chop Dinners for Two

by admin July 14, 2018

by admin July 14, 2018

The 21 Best Ideas for Pork Chop Dinners for Two .Cooking for two can be a challenging…
Anklets
The 20 Best Ideas for Anklet Silver

by admin July 14, 2018

by admin July 14, 2018

The 20 Best Ideas for Anklet Silver .Bronze anklets show up as early as the Bronze Age…
DIY Home Decoration Ideas
22 Best Bedroom Diy Decorating Ideas

by admin July 14, 2018

by admin July 14, 2018

22 Best Bedroom Diy Decorating Ideas . The fact that doing a DIY task is less costly…

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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?