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Gift Ideas

Gift Ideas For Boys
23 Best Gift Ideas for Little Boys

by admin August 28, 2018

by admin August 28, 2018

23 Best Gift Ideas for Little Boys . This gift is part plaything, component scientific research lesson.…
Gift Ideas For Boys
Best 23 Gift Ideas 10 Year Old Boys

by admin August 5, 2018

by admin August 5, 2018

Best 23 Gift Ideas 10 Year Old Boys .Guys are really straightforward and also perhaps that s…
Birthday Gift Ideas
Best 20 Gift Ideas for 1st Birthday

by admin July 25, 2018

by admin July 25, 2018

Best 20 Gift Ideas for 1st Birthday . Determine towards our large wide variety of resourceful reward…
Best Gift Ideas
The Best Ideas for Gift Ideas for My Best Friend

by admin July 18, 2018

by admin July 18, 2018

The Best Ideas for Gift Ideas for My Best Friend . Get a pair of these actually…
Birthday Gift Ideas
The 20 Best Ideas for Gift Ideas for Sisters Birthday

by admin June 10, 2018

by admin June 10, 2018

The 20 Best Ideas for Gift Ideas for Sisters Birthday . So, if your self are going…

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?