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happy birthday a special friend

Funny Birthday
20 Best Ideas Happy Birthday Mom Funny

by admin March 9, 2019July 29, 2019

by admin March 9, 2019July 29, 2019

20 Best Ideas Happy Birthday Mom Funny Sending funny birthday wishes is an excellent way to make anyone’s day even much better.…
Birthday Cards
Best 20 Happy Birthday Card Sayings

by admin March 7, 2019July 29, 2019

by admin March 7, 2019July 29, 2019

Best 20 Happy Birthday Card Sayings . Happy Birthday Card Sayings are easy to brainstorm, particularly if you understand the birthday lady…
Funny Birthday
The Best Happy Birthday Mom Meme Funny

by admin January 26, 2019July 29, 2019

by admin January 26, 2019July 29, 2019

The Best Happy Birthday Mom Meme Funny Sending out funny birthday wishes is an excellent way to make anyone’s day even much…
Birthday Cards
The top 20 Ideas About Happy Birthday Printable Card

by admin December 7, 2018July 29, 2019

by admin December 7, 2018July 29, 2019

The top 20 Ideas About Happy Birthday Printable Card . Happy Birthday Printable Card are easy to brainstorm, specifically if you know…

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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happy birthday a special friend

20 Best Ideas Happy Birthday Mom Funny

Best 20 Happy Birthday Card Sayings

The Best Happy Birthday Mom Meme Funny

The top 20 Ideas About Happy Birthday Printable Card