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valentine maritime

DIY Craft for Preschoolers Ideas
Best 25 Valentine's Day Craft Ideas for Preschoolers

by admin November 6, 2021

by admin November 6, 2021

Best 25 Valentine&#039;s Day Craft Ideas for Preschoolers .Get ready to take arts ‘n’ crafts to the…
DIY Craft for Toddlers Ideas
The Best Valentine's Day Craft Ideas for toddlers

by admin December 18, 2019

by admin December 18, 2019

The Best Valentine&#039;s Day Craft Ideas for toddlers . She will certainly like the marshmallow Easter rabbit…
Gift Ideas For Boyfriend
Top 25 Valentine's Day Gift Ideas for Boyfriend Homemade

by admin August 17, 2019

by admin August 17, 2019

Top 25 Valentine&#039;s Day Gift Ideas for Boyfriend Homemade . If you are the smart or Do…
Gift Ideas For Boyfriend
The top 25 Ideas About Valentine's Day Gift Ideas for Your Boyfriend

by admin July 13, 2019

by admin July 13, 2019

The top 25 Ideas About Valentine&#039;s Day Gift Ideas for Your Boyfriend .Possibly his last gift to…

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?