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christmas t wish list for kids

Baby Shower Gift Ideas
30 Ideas for Christmas Gift Ideas for 6 Month Baby Girl

by admin January 23, 2025

by admin January 23, 2025

30 Ideas for Christmas Gift Ideas for 6 Month Baby Girl .It s a creature, it s…
Christmas Gift Ideas
The Best Ideas for Christmas Gift Ideas for 6 Year Girl

by admin March 22, 2024

by admin March 22, 2024

The Best Ideas for Christmas Gift Ideas for 6 Year Girl . Whether you’re simply beginning to…
Gift Basket Ideas
22 Best Christmas Gift Baskets Ideas for Men

by admin January 7, 2020

by admin January 7, 2020

22 Best Christmas Gift Baskets Ideas for Men . I adore gift baskets! Not only are they…
Gift Ideas For Couples
Top 20 Christmas Gift Ideas for Young Married Couples

by admin March 1, 2019

by admin March 1, 2019

Top 20 Christmas Gift Ideas for Young Married Couples . The pair who’s constantly organizing celebrations most…
Gift Ideas For Boys
23 Best Christmas Gift Ideas for Teenage Boys

by admin September 2, 2018

by admin September 2, 2018

23 Best Christmas Gift Ideas for Teenage Boys . If you ve ever shopped for a gift…

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?