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Halloween Recipes
The 22 Best Ideas for Halloween Cakes Recipes with Pictures

by admin November 5, 2024

by admin November 5, 2024

The 22 Best Ideas for Halloween Cakes Recipes with Pictures .When you have actually finished changing your home into a haunted manor as well as have your terrifying outfit all…
Halloween Recipes
22 Of the Best Ideas for Halloween Cakes Images

by admin October 22, 2024

by admin October 22, 2024

22 Of the Best Ideas for Halloween Cakes Images .Halloween Bloody Baked Rats This is an enjoyable, economical, creepy Halloween meal that will make out and excite your dinner guests.…
Halloween Recipes
The top 22 Ideas About Halloween Cakes Ideas

by admin March 27, 2024

by admin March 27, 2024

The top 22 Ideas About Halloween Cakes Ideas .You can initially distract your visitors with Halloween beverages as well as fun activities that the entire staff will take pleasure in,…
Halloween Recipes
22 Best Halloween Cakes at Walmart

by admin March 6, 2024

by admin March 6, 2024

22 Best Halloween Cakes at Walmart .When you’ve finished transforming the home into a haunted manor and have your scary outfit all prepared out, all that’s left to do is…
Halloween Recipes
Best 22 Halloween Cakes and Cupcakes

by admin October 13, 2022

by admin October 13, 2022

Best 22 Halloween Cakes and Cupcakes .When you’ve completed transforming the home into a haunted estate as well as have your scary outfit all intended out, all that’s left to…

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?

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?