Best Recipes Compilation

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no-bake

Fall Recipes
Top 30 No Bake Fall Desserts

by admin September 22, 2024

by admin September 22, 2024

Top 30 No Bake Fall Desserts .Welcome fall with these scrumptious autumn-inspired recipes. Each dish commemorates the flavors of our harvest, as well as several recipes include seasonal produce, like…
Halloween Recipes
Top 22 No Bake Halloween Cookies

by admin December 2, 2023

by admin December 2, 2023

Top 22 No Bake Halloween Cookies .When you’ve finished changing the house into a haunted manor and have your scary costume all planned out, all that’s left to do is…
Christmas Recipes
Best 21 No Bake Christmas Wreath Cookies

by admin October 31, 2022

by admin October 31, 2022

Best 21 No Bake Christmas Wreath Cookies .Transform your holiday dessert spread right into a fantasyland by offering traditional French buche de Noel, or yule log cake. Rich chocolate genoise…
Christmas Recipes
The Best No Bake Christmas Desserts

by admin October 24, 2022

by admin October 24, 2022

The Best No Bake Christmas Desserts .Christmas is the most traditional of Finnish festivals. It is a time for family members, close loved ones, friends without family members, however above…

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?