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2nd birthday wishes to a friends baby

Birthday Cakes
The 20 Best Ideas for 2nd Birthday Cake

by admin September 11, 2019June 10, 2019

by admin September 11, 2019June 10, 2019

The 20 Best Ideas for 2nd Birthday Cake –. Seeking the best 2nd Birthday Cake ? Have a special birthday showing up…
Gift Ideas for Boys
20 Of the Best Ideas for 2nd Birthday Gift Ideas for Boys

by admin August 15, 2019July 29, 2019

by admin August 15, 2019July 29, 2019

20 Of the Best Ideas for 2nd Birthday Gift Ideas for Boys – The most effective feature of the various gift ideas…
Birthday Party
Top 20 2nd Birthday Party

by admin November 18, 2018June 10, 2019

by admin November 18, 2018June 10, 2019

Top 20 2nd Birthday Party Who does not love a birthday parties? When you have kids, birthday party planning can be a…

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?

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2nd birthday wishes to a friends baby

The 20 Best Ideas for 2nd Birthday Cake

20 Of the Best Ideas for 2nd Birthday Gift Ideas for Boys

Top 20 2nd Birthday Party