Home, Family, Style and Art Ideas

Marriage Quotes
25 Of the Best Ideas for Christian Quotes About Marriage

by admin December 7, 2022

by admin December 7, 2022

25 Of the Best Ideas for Christian Quotes About Marriage .The real act of marriage occurs in…
Nail Colors
22 Best Ideas Fall Matte Nail Colors

by admin December 6, 2022

by admin December 6, 2022

22 Best Ideas Fall Matte Nail Colors .Juicy reds are rocketing up the design charts this fall.…
Winter Recipes
21 Ideas for Winter Birthday Cake

by admin December 6, 2022

by admin December 6, 2022

21 Ideas for Winter Birthday Cake .This lotion soup is an example of a satisfied as well…
DIY Outdoor Ideas
Top 35 Diy Outdoor Stone Fireplace

by admin December 6, 2022

by admin December 6, 2022

Top 35 Diy Outdoor Stone Fireplace .Summertime is the season for delighting in whatever outdoors and also…
Wedding Guest Book
Top 21 Snapfish Wedding Guest Book

by admin December 6, 2022

by admin December 6, 2022

Top 21 Snapfish Wedding Guest Book .Wedding visitor book is a prize of words used to the…
Kids Room Décor Ideas
23 Best Ideas Flooring for Kids Room

by admin December 5, 2022

by admin December 5, 2022

23 Best Ideas Flooring for Kids Room .Flexibility is essential when it comes to creating your kid’s…
Engagement
The Best Ideas for Cartier Diamond Engagement Rings

by admin December 5, 2022

by admin December 5, 2022

The Best Ideas for Cartier Diamond Engagement Rings .When looking for that best ruby, picking precious jewelry…
Holiday Party Ideas
The 21 Best Ideas for Fun Holiday Party Ideas

by admin December 5, 2022

by admin December 5, 2022

The 21 Best Ideas for Fun Holiday Party Ideas . Have you started thinking of your business’s…
Birthday Gift Inspirations
The 24 Best Ideas for Best Birthday Gift for Boyfriend

by admin December 5, 2022

by admin December 5, 2022

The 24 Best Ideas for Best Birthday Gift for Boyfriend .How to Choose the Perfect Birthday GiftYes,…
Medium Hairstyles
The Best How to Cut Layers In Medium Length Hair Yourself

by admin December 4, 2022

by admin December 4, 2022

The Best How to Cut Layers In Medium Length Hair Yourself .An additional fashionable medium hairstyle 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?