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Birthday Quotes
The top 20 Ideas About Happy Birthday son Quotes

by admin December 10, 2024

by admin December 10, 2024

The top 20 Ideas About Happy Birthday son Quotes A few of the most quotable birthday expressions have been hand-picked for our…
Birthday Wishes
Top 20 Happy Birthday Wishes for Mother In Law

by admin July 8, 2019July 29, 2019

by admin July 8, 2019July 29, 2019

Top 20 Happy Birthday Wishes for Mother In Law This time, do something genuinely thoughtful and add personalized birthday wishes and birthday…
Birthday Wishes
20 Best Ideas Happy Birthday Wishes for A Friend

by admin June 14, 2018July 29, 2019

by admin June 14, 2018July 29, 2019

20 Best Ideas Happy Birthday Wishes for A Friend This time, do something genuinely thoughtful and include individualized birthday wishes and birthday…
Birthday Cakes
The Best Happy Birthday Beer Cake

by admin April 30, 2018July 29, 2019

by admin April 30, 2018July 29, 2019

The Best Happy Birthday Beer Cake –. Trying to find the best Happy Birthday Beer Cake ? Have an unique birthday showing…

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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