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Halloween Recipes
The top 22 Ideas About Halloween themed Drinks

by admin November 3, 2024

by admin November 3, 2024

The top 22 Ideas About Halloween themed Drinks .When you’ve completed transforming the residence into a haunted estate as well as have your scary costume all planned out, all that’s…
Halloween Recipes
22 Of the Best Ideas for Halloween themed Cupcakes

by admin September 13, 2024

by admin September 13, 2024

22 Of the Best Ideas for Halloween themed Cupcakes .You can first sidetrack your guests with Halloween drinks as well as enjoyable activities that the entire staff will certainly delight…
Halloween Recipes
The Best Ideas for Halloween themed Alcoholic Drinks

by admin August 2, 2024

by admin August 2, 2024

The Best Ideas for Halloween themed Alcoholic Drinks .When you’ve completed changing your home into a haunted estate as well as have your terrifying outfit all planned, all that’s entrusted…
Halloween Recipes
Best 22 Halloween themed Dinner

by admin October 1, 2023

by admin October 1, 2023

Best 22 Halloween themed Dinner .When you’ve completed changing the residence right into a haunted estate as well as have your frightening outfit all planned out, all that’s left to…
Halloween Recipes
22 Best Ideas Halloween themed Cookies

by admin September 26, 2022

by admin September 26, 2022

22 Best Ideas Halloween themed Cookies .Halloween Bloody Baked Rats This is an enjoyable, affordable, scary Halloween meal that will gross out and thrill your dinner guests. Garnished with a…

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?