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How To

Brooches
22 Ideas for How to Make Brooches

by admin March 14, 2020

by admin March 14, 2020

22 Ideas for How to Make Brooches .Looking for magnificent costume jewelry brooches as well as pins…
Nail Art
21 Ideas for How to Do Nail Art Designs for Beginners at Home

by admin February 9, 2020

by admin February 9, 2020

21 Ideas for How to Do Nail Art Designs for Beginners at Home .When the bright white…
Wedding Decorations
The top 22 Ideas About How to Decorate Wedding Reception

by admin December 20, 2019

by admin December 20, 2019

The top 22 Ideas About How to Decorate Wedding Reception .Standard decor can pass for various other…
Birthday Decoration Ideas
23 Ideas for How to Decorate Birthday Party

by admin November 8, 2019

by admin November 8, 2019

23 Ideas for How to Decorate Birthday Party . Host the Ultimate Celebration with Themed Birthday Celebration…
Wedding Makeup
25 Best Ideas How to Do Wedding Makeup

by admin September 24, 2019

by admin September 24, 2019

25 Best Ideas How to Do Wedding Makeup .Your wedding makeupshould be free of your dress and…
Wedding Veils
The Best Ideas for How to Make A Wedding Veil with Lace Trim

by admin September 9, 2019

by admin September 9, 2019

The Best Ideas for How to Make A Wedding Veil with Lace Trim .Just how long you…
Glitter Nails
25 Of the Best Ideas for How to Put Glitter On Nails

by admin August 12, 2019

by admin August 12, 2019

25 Of the Best Ideas for How to Put Glitter On Nails .If you have a hard…

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?