Home, Family, Style and Art Ideas

Coloring Pages For Boys
Top 30 Free Coloring Pages for Boys Sports

by admin August 18, 2017

by admin August 18, 2017

Top 30 Free Coloring Pages for Boys Sports .Boys are also joined in their life’s interests. To…
Kitchen Ideas
20 Stylish Cost to Retile Kitchen Floor

by admin August 18, 2017

by admin August 18, 2017

20 Stylish Cost to Retile Kitchen Floor .Cooking area flooring needs to be hardwearing, family-proof and simple…
Wedding Gifts
Top 24 Wedding Gifts for Bridal Party

by admin August 18, 2017

by admin August 18, 2017

Top 24 Wedding Gifts for Bridal Party .This 25-piece gift collection includes message to the future and…
Birthday Party Inspirations
Best 30 75th Birthday Party Ideas

by admin August 18, 2017

by admin August 18, 2017

Best 30 75th Birthday Party Ideas .Host the Ultimate Bash with Themed Birthday Celebration Event SuppliesBirthday parties…
Bob Hairstyles
The 20 Best Ideas for Blonde Bob Black Hairstyles

by admin August 17, 2017

by admin August 17, 2017

The 20 Best Ideas for Blonde Bob Black Hairstyles .Bob hairstyle is the most stylish style with…
Nail Designs
The Best Ideas for French Manicure Acrylic Nail Designs

by admin August 17, 2017

by admin August 17, 2017

The Best Ideas for French Manicure Acrylic Nail Designs .As soon as the bright white tones of…
Bedroom Ideas
22 Gorgeous Ceiling Lights Bedroom

by admin August 17, 2017

by admin August 17, 2017

22 Gorgeous Ceiling Lights Bedroom .When it involves decorating the bed room, lighting is commonly neglected in…
Best Halloween Ideas
23 Of the Best Ideas for Halloween toddler Crafts

by admin August 16, 2017

by admin August 16, 2017

23 Of the Best Ideas for Halloween toddler Crafts .For the costume shopping you may have 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?