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Halloween Recipes
22 Ideas for Halloween Deviled Eggs Spider

by admin August 4, 2024

by admin August 4, 2024

22 Ideas for Halloween Deviled Eggs Spider .When you’ve completed changing the house into a haunted mansion and have your terrifying costume all prepared out, all that’s left to do…
Halloween Recipes
22 Ideas for Halloween Spider Cupcakes

by admin March 18, 2024

by admin March 18, 2024

22 Ideas for Halloween Spider Cupcakes .When you’ve finished transforming the house into a haunted estate as well as have your scary outfit all intended out, all that’s left to…
Halloween Recipes
The Best Ideas for Halloween Spider Cakes

by admin October 3, 2023

by admin October 3, 2023

The Best Ideas for Halloween Spider Cakes .When you have actually completed changing your home right into a haunted manor and have your scary costume all planned, all that’s delegated…
Halloween Recipes
22 Of the Best Ideas for Deviled Eggs Spider Halloween

by admin October 13, 2022

by admin October 13, 2022

22 Of the Best Ideas for Deviled Eggs Spider Halloween .When you have actually completed changing the home into a haunted mansion and also have your frightening outfit all prepared…
Halloween Recipes
The 22 Best Ideas for Halloween Spider Cookies

by admin October 7, 2022

by admin October 7, 2022

The 22 Best Ideas for Halloween Spider Cookies .You can first sidetrack your guests with Halloween drinks and also fun tasks that the whole staff will delight in, prior 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?