Home, Family, Style and Art Ideas

Birthday Quotes Inspirations
25 Of the Best Ideas for Happy 15th Birthday Quote

by admin December 2, 2024

by admin December 2, 2024

25 Of the Best Ideas for Happy 15th Birthday Quote . Birthday celebration quotes can be used…
DIY Kit Ideas
Best 23 Best Diy Guitar Kits

by admin December 2, 2024

by admin December 2, 2024

Best 23 Best Diy Guitar Kits .Although lacking alternative approaches of fire lights, the Zippo Emergency Fire…
Natural Hairstyles
Best 24 Natural Mohawk Hairstyles

by admin December 2, 2024

by admin December 2, 2024

Best 24 Natural Mohawk Hairstyles .Your daily hair madness may include a great deal of chemicals like…
Wedding Cakes
The 23 Best Ideas for White and Red Wedding Cakes

by admin December 1, 2024

by admin December 1, 2024

The 23 Best Ideas for White and Red Wedding Cakes .One of things that you may have…
Glitter Nails
Top 25 Maroon Glitter Nails

by admin December 1, 2024

by admin December 1, 2024

Top 25 Maroon Glitter Nails .For nails that beam brighter than Bellatrix’s safe at Gringotts, you need…
Funny Birthday Ideas
21 Best Funny Birthday Invites

by admin December 1, 2024

by admin December 1, 2024

21 Best Funny Birthday Invites .Birthday is a possibility to make people really feel loved and born…
Short Hairstyles
The 20 Best Ideas for Mid Short Haircuts

by admin December 1, 2024

by admin December 1, 2024

The 20 Best Ideas for Mid Short Haircuts .Classy short hairstyles that will certainly work magic for…
Graduation Party Ideas
The Best Simple High School Graduation Party Ideas

by admin November 30, 2024

by admin November 30, 2024

The Best Simple High School Graduation Party Ideas . Offer your grad a grand send-off by having…
Birthday Invitation Ideas
25 Of the Best Ideas for Free Printable Spiderman Birthday Invitations

by admin November 30, 2024

by admin November 30, 2024

25 Of the Best Ideas for Free Printable Spiderman Birthday Invitations . There are so many different…
Wedding Favors
Best 21 Wedding Favor Labels

by admin November 30, 2024

by admin November 30, 2024

Best 21 Wedding Favor Labels .A wedding celebration favor is an old tradition in which tiny presents…

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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?