Home, Family, Style and Art Ideas

Birthday Gift Ideas
20 Best 27th Birthday Gift Ideas for Her

by admin December 4, 2017

by admin December 4, 2017

20 Best 27th Birthday Gift Ideas for Her . So, if you are likely through that trouble…
Best Cinco de Mayo Ideas
Best 22 Cinco De Mayo Party Games

by admin December 4, 2017

by admin December 4, 2017

Best 22 Cinco De Mayo Party Games .Cinco de Mayo is the ideal event for a great…
Nail Colors
Best 22 Nice Fall Nail Colors

by admin December 3, 2017

by admin December 3, 2017

Best 22 Nice Fall Nail Colors .From the worlds of the Egyptian Pharaohs to the Aztecs, royal…
Engagement Party Ideas
The top 21 Ideas About Engagement Party Sign Ideas

by admin December 3, 2017

by admin December 3, 2017

The top 21 Ideas About Engagement Party Sign Ideas .While you can not go incorrect with a…
Birthday Wishes Ideas
25 Best Ideas Birthday Wishes for Aunty

by admin December 3, 2017

by admin December 3, 2017

25 Best Ideas Birthday Wishes for Aunty . I am happy that you are a part of…
Earrings
The Best Mikimoto Pearl Earrings

by admin December 3, 2017

by admin December 3, 2017

The Best Mikimoto Pearl Earrings .An earring is a piece of jewelry connected to the ear via…
Valentines Day Gift Ideas
35 Best Gift Ideas Boyfriend Valentines

by admin December 3, 2017

by admin December 3, 2017

35 Best Gift Ideas Boyfriend Valentines .You’re not a standard man. That suggests when February 14 rolls…
Gender Reveal Party Ideas
20 Of the Best Ideas for Gender Party Ideas Games

by admin December 3, 2017

by admin December 3, 2017

20 Of the Best Ideas for Gender Party Ideas Games . I was at a gender disclose…

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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?