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40th birthday experiences

Birthday Decoration Ideas
The Best Ideas for 60th Birthday Decor

by admin October 11, 2019

by admin October 11, 2019

The Best Ideas for 60th Birthday Decor . Balloons can be among the most low-cost and simple…
Birthday Gift Ideas
20 Of the Best Ideas for 60th Birthday Gift Ideas for Mom

by admin August 10, 2019

by admin August 10, 2019

20 Of the Best Ideas for 60th Birthday Gift Ideas for Mom . So, if by yourself…
Gift Ideas For Boyfriend
25 Best 25th Birthday Gift Ideas for Boyfriend

by admin March 15, 2019

by admin March 15, 2019

25 Best 25th Birthday Gift Ideas for Boyfriend . If you are the crafty or Do It…

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?