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Birthday Ideas
20 Of the Best Ideas for 18th Birthday Party Ideas for Guys

by admin March 21, 2019July 29, 2019

by admin March 21, 2019July 29, 2019

20 Of the Best Ideas for 18th Birthday Party Ideas for Guys The very first things you will believe about are birthday…
Birthday Gift Ideas
Top 20 80th Birthday Gift Ideas

by admin December 23, 2018March 27, 2019

by admin December 23, 2018March 27, 2019

Top 20 80th Birthday Gift Ideas – The very best thing about the various gift ideas is that it enables you to…
Funny Birthday
The Best 40th Birthday Funny

by admin August 18, 2018July 29, 2019

by admin August 18, 2018July 29, 2019

The Best 40th Birthday Funny Sending funny birthday wishes is an excellent method to make anybody’s day even much better. Everyone enjoys…
Birthday Invitation
20 Best 13th Birthday Invitations

by admin July 29, 2018July 29, 2019

by admin July 29, 2018July 29, 2019

20 Best 13th Birthday Invitations Your birthday invitation could be an invitation to a typical birthday party, or a surprise party, or…

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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the birthday girl

20 Of the Best Ideas for 18th Birthday Party Ideas for Guys

Top 20 80th Birthday Gift Ideas

The Best 40th Birthday Funny

20 Best 13th Birthday Invitations