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Birthday Gift Inspirations
24 Best Homemade Birthday Gifts for Boyfriend

by admin August 29, 2018

by admin August 29, 2018

24 Best Homemade Birthday Gifts for Boyfriend . Certain, your birthday celebration woman loves her share of…
Bridesmaid Hairstyles
The top 21 Ideas About African American Bridesmaid Hairstyles

by admin August 29, 2018

by admin August 29, 2018

The top 21 Ideas About African American Bridesmaid Hairstyles .Females who are planning their weddings want their…
Best Summer Ideas
Top 21 Crocheting Ideas for Summer

by admin August 29, 2018

by admin August 29, 2018

Top 21 Crocheting Ideas for Summer .Many institutions around the nation are out for a summertime vacation…

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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?