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Birthday Wishes

Birthday Wishes Ideas
Top 25 Birthday Wishes to Your Boyfriend

by admin February 10, 2020

by admin February 10, 2020

Top 25 Birthday Wishes to Your Boyfriend . I am happy that you belong of my life.…
Birthday Wishes Ideas
25 Best Birthday Wishes Words

by admin September 13, 2019

by admin September 13, 2019

25 Best Birthday Wishes Words .Sending out birthday greetings has actually become a required practice nowadays. It…
Birthday Wishes Ideas
The top 25 Ideas About Birthday Wishes for Girlfriend

by admin July 7, 2019

by admin July 7, 2019

The top 25 Ideas About Birthday Wishes for Girlfriend .Sending birthday celebration greetings has become a needed…
Birthday Wishes Ideas
The Best Ideas for Birthday Wishes to A Wife

by admin September 20, 2018

by admin September 20, 2018

The Best Ideas for Birthday Wishes to A Wife . Birthday celebrations are among the most popular…
Birthday Wishes Ideas
The 25 Best Ideas for Birthday Wishes for Mom In Heaven

by admin August 18, 2018

by admin August 18, 2018

The 25 Best Ideas for Birthday Wishes for Mom In Heaven . All the finest on your…
Birthday Wishes Ideas
Best 25 Birthday Wishes Friend

by admin July 4, 2018

by admin July 4, 2018

Best 25 Birthday Wishes Friend . I am thankful that you are a part of my life.…

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?