Home, Family, Style and Art Ideas

Anniversary Gift Ideas
The 20 Best Ideas for 7 Year Anniversary Traditional Gift Ideas

by admin November 11, 2024

by admin November 11, 2024

The 20 Best Ideas for 7 Year Anniversary Traditional Gift Ideas .Please your cherished spouse by gifting…
Bedroom Ideas
23 Beautiful Shelf Ideas for Small Bedroom

by admin November 10, 2024

by admin November 10, 2024

23 Beautiful Shelf Ideas for Small Bedroom .If you need a bedroom makeover but put on t…
Girls Hairstyle
Best 24 Hairstyles for Short Hair for Girls

by admin November 10, 2024

by admin November 10, 2024

Best 24 Hairstyles for Short Hair for Girls .There are hundreds of prominent little lady hairstyles that…
Earrings
The 24 Best Ideas for 2 Sided Earrings

by admin November 10, 2024

by admin November 10, 2024

The 24 Best Ideas for 2 Sided Earrings .An earring is an item of jewelry attached to…
Pins
23 Ideas for Kanken Pins

by admin November 10, 2024

by admin November 10, 2024

23 Ideas for Kanken Pins .There s no far better way to cheer up your collar than…
Baby Shower Gifts
21 Best Ideas Baby Shower Thank You Gifts for Guests

by admin November 9, 2024

by admin November 9, 2024

21 Best Ideas Baby Shower Thank You Gifts for Guests .Day-to-day requirements: Baby diapers, baby diaper lotion,…
Holiday Gift Ideas
Best 22 Holiday Gift Ideas Under $25

by admin November 9, 2024

by admin November 9, 2024

Best 22 Holiday Gift Ideas Under $25 .Our annual present overviews aim to make holiday buying individual,…
Appetizer Recipes
30 Of the Best Ideas for Italian Appetizers for Party

by admin November 9, 2024

by admin November 9, 2024

30 Of the Best Ideas for Italian Appetizers for Party .This appetizer is tasty, simple as well…
Diabetic Recipes
Top 25 Diabetic Ham Recipes

by admin November 9, 2024

by admin November 9, 2024

Top 25 Diabetic Ham Recipes .Any cookies that may not be especially needed for the website to…
Cute Hairstyles
Best 22 Cute Hairstyles for Wavy Hair

by admin November 8, 2024

by admin November 8, 2024

Best 22 Cute Hairstyles for Wavy Hair .There are numerous hair transformation tools online that promises 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?