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Happy Birthday

Birthday Quotes
Best 20 Happy Birthday Princess Quotes

by admin April 22, 2019July 29, 2019

by admin April 22, 2019July 29, 2019

Best 20 Happy Birthday Princess Quotes A few of the most quotable birthday expressions have actually been hand-picked for our birthday poems…
Printable Coloring Pages
The top 20 Ideas About Happy Birthday Printable Coloring Pages

by admin April 21, 2019June 10, 2019

by admin April 21, 2019June 10, 2019

The top 20 Ideas About Happy Birthday Printable Coloring Pages If you are looking for some Happy Birthday Printable Coloring Pages ,…
Funny Birthday
Top 20 Happy Birthday Memes Funny

by admin April 14, 2019July 29, 2019

by admin April 14, 2019July 29, 2019

Top 20 Happy Birthday Memes Funny Sending out funny birthday wishes is a fantastic way to make anybody’s day even much better.…
Birthday Cards
20 Ideas for Happy Birthday Card Images

by admin April 10, 2019July 29, 2019

by admin April 10, 2019July 29, 2019

20 Ideas for Happy Birthday Card Images . Happy Birthday Card Images are simple to brainstorm, specifically if you know the birthday…
Birthday Wishes
The Best Happy Birthday Wishes for Niece

by admin April 10, 2019June 10, 2019

by admin April 10, 2019June 10, 2019

The Best Happy Birthday Wishes for Niece This time, do something truly thoughtful and add tailored birthday wishes and birthday poems to…
Birthday Cakes
The Best Ideas for Happy Birthday Patty Cake

by admin March 30, 2019July 29, 2019

by admin March 30, 2019July 29, 2019

The Best Ideas for Happy Birthday Patty Cake –. Searching for the very best Happy Birthday Patty Cake ? Have a special…
Birthday Cakes
20 Of the Best Ideas for Happy Birthday ashley Cake

by admin March 29, 2019July 29, 2019

by admin March 29, 2019July 29, 2019

20 Of the Best Ideas for Happy Birthday ashley Cake –. Seeking the most effective Happy Birthday Ashley Cake ? Have a…
Funny Birthday
20 Best Happy Birthday Best Friend Funny

by admin March 27, 2019July 29, 2019

by admin March 27, 2019July 29, 2019

20 Best Happy Birthday Best Friend Funny Sending out funny birthday wishes is a terrific way to make anyone’s day even better.…
Birthday Cakes
20 Best Ideas Happy Birthday Sarah Cake

by admin March 25, 2019July 29, 2019

by admin March 25, 2019July 29, 2019

20 Best Ideas Happy Birthday Sarah Cake –. Trying to find the most effective Happy Birthday Sarah Cake ? Have a special…
Funny Birthday
Best 20 Happy Birthday Big Sister Funny

by admin March 24, 2019July 29, 2019

by admin March 24, 2019July 29, 2019

Best 20 Happy Birthday Big Sister Funny Sending funny birthday wishes is a fantastic way to make anybody’s day even much better.…

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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