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Gift Ideas For Boys
Best 23 Gift Ideas for Teen Boys

by admin June 26, 2024

by admin June 26, 2024

Best 23 Gift Ideas for Teen Boys .Men are extremely basic and possibly that s why there…
Gift Basket Ideas
The Best Mom Gift Basket Ideas

by admin January 22, 2024

by admin January 22, 2024

The Best Mom Gift Basket Ideas .Obviously, you can load a gift basket with anything and every…
Fathers Day Gift Ideas
Top 22 Gift Ideas for New Fathers

by admin May 26, 2023

by admin May 26, 2023

Top 22 Gift Ideas for New Fathers . If your daddy is everything about creating the excellent…
Valentines Day Gift Ideas
The 35 Best Ideas for Gift Ideas for Valentines Day for Her

by admin September 17, 2021

by admin September 17, 2021

The 35 Best Ideas for Gift Ideas for Valentines Day for Her .You’re not a standard man.…
Mothers Day Gift Ideas
Top 30 Gift Ideas New Mothers

by admin September 2, 2019

by admin September 2, 2019

Top 30 Gift Ideas New Mothers .The last thing any kind of mama desires is a fistful…
Gift Ideas For Couples
Top 20 Gift Ideas for A Married Couple

by admin October 26, 2018

by admin October 26, 2018

Top 20 Gift Ideas for A Married Couple .Locating presents for pairs is a cinch when you…

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?