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Birthday Gifts
Top 20 Gifts for Sisters Birthday

by admin May 23, 2024

by admin May 23, 2024

Top 20 Gifts for Sisters Birthday These celebrations are insufficient without appropriate gifts. Picking suitable birthday gifts is an art in itself.…
Birthday Quotes
20 Best Sisters Happy Birthday Quotes

by admin February 8, 2019June 10, 2019

by admin February 8, 2019June 10, 2019

20 Best Sisters Happy Birthday Quotes A few of the most quotable birthday expressions have been hand-picked for our birthday poems web…
DIY Gift Ideas
The top 20 Ideas About Diy Birthday Gifts for Sisters

by admin January 20, 2019July 29, 2019

by admin January 20, 2019July 29, 2019

The top 20 Ideas About Diy Birthday Gifts for Sisters -Seeking an easy craft to go with you modern-day minimal decor? No…
DIY Christmas Ideas
20 Ideas for Diy Christmas Gifts for Sisters

by admin November 21, 2018July 29, 2019

by admin November 21, 2018July 29, 2019

20 Ideas for Diy Christmas Gifts for Sisters -Love crafting and making great DIY, yet discover you never ever have enough time…

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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