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21 Ideas for Traditional Christmas Appetizers

by admin August 28, 2024

21 Ideas for Traditional Christmas Appetizers .Transform your holiday dessert spread out right into a fantasyland by offering typical French buche de Noel,…

Healthy Snacks for College Students 20 Of the Best Ideas for 20 Healthy Snacks for Kids College Students Home or

Healthy Food Recipes

20 Ideas for Healthy Snacks for College Students

by admin August 27, 2024

20 Ideas for Healthy Snacks for College Students . Trying to find the Healthy Snacks For College Students ? 20 Ideas for Healthy…

Christmas Recipes

21 Best Italian Christmas Side Dishes

by admin August 27, 2024

21 Best Italian Christmas Side Dishes .Change your holiday dessert spread into a fantasyland by serving conventional French buche de Noel, or yule…

Healthy Snacks On the Go for Adults Best 20 30 No Mess Healthy Snack Ideas for On the Go

Healthy Food Recipes

20 Best Ideas Healthy Snacks On the Go for Adults

by admin August 27, 2024

20 Best Ideas Healthy Snacks On the Go for Adults . When you need incredible concepts for this recipes, look no additionally than…

Christmas Recipes

21 Of the Best Ideas for Snowball Christmas Cookies

by admin August 27, 2024

21 Of the Best Ideas for Snowball Christmas Cookies .Christmas is the most typical of Finnish festivals. The good old standard meals appear…

Christmas Recipes

21 Best Christmas Sugar Cookies Walmart

by admin August 26, 2024

21 Best Christmas Sugar Cookies Walmart .Christmas is one of the most standard of Finnish festivals. It is a time for household, close…

Firefighter Wedding Cakes 20 Ideas for Fireman Wedding Cake Cakecentral

Wedding Recipes

20 Of the Best Ideas for Firefighter Wedding Cakes

by admin August 26, 2024

20 Of the Best Ideas for Firefighter Wedding Cakes . Looking for the Firefighter Wedding Cakes ? 20 Of the Best Ideas for…

Delicious Healthy Slow Cooker Recipes top 20 Slow Cooker Delicious & Healthy Recipes for Weight Loss

Healthy Food Recipes

20 Of the Best Ideas for Delicious Healthy Slow Cooker Recipes

by admin August 26, 2024

20 Of the Best Ideas for Delicious Healthy Slow Cooker Recipes . Seeking the Delicious Healthy Slow Cooker Recipes ? 20 Of the…

Car Camping Dinners 20 Ideas for the 10 Easiest Car Camping Meals for Families On the Go

Camping Recipes

The 20 Best Ideas for Car Camping Dinners

by admin August 26, 2024

The 20 Best Ideas for Car Camping Dinners . Searching for the Car Camping Dinners ? The 20 Best Ideas for Car Camping…

Wedding Cakes Sioux Falls Sd the Best Ideas for Wedding Cakes Sioux Falls Sd Idea In 2017

Wedding Recipes

Best 20 Wedding Cakes Sioux Falls Sd

by admin August 25, 2024

Best 20 Wedding Cakes Sioux Falls Sd . Looking for the Wedding Cakes Sioux Falls Sd ? Best 20 Wedding Cakes Sioux Falls…

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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?

In case you don’t know, health insurance is a type of assurance that is given based on agreed terms in case the insured person falls sick or needs medical treatment. The insured life may have a chronic condition requiring medical care for years to come. Let’s know more about it. Who will pay for the medical expenses?This is one of the most common questions that people ask. If you have a health insurance, you can have the peace of mind that your health will be taken care of. Actually, it is a type of agreement or contract between you (policyholder) and the company providing health insurance. The purpose of the agreement or contract is to provide protection against costs. At times, the costs are so high that the sick person is unable to pay the bills. As a result, the person is unable to get the care he needs to recover. While you will pay a monthly or annual premium, you should expect that the amount of premium you are going to pay would be far less than the amount you would pay in case of illness. Keep in mind that health insurance is a type of benefit that a non-profit organization, private business or a government agency provides. In order to figure out the cost, the company gets an estimate of the collective medical cost of all of the people in the state. Then the risk is divided among the policy subscribers. As far as the concept goes, the insurer knows that one person may suffer from huge unexpected health care expenses while the other person may incur no expenses at all. So, the expense is spread across a large group of people in an effort to make the health insurance much more affordable for all the insured lives. Aside from this, public plans are funded by the government. Therefore, they offer extra health insurance to the vulnerable groups like people with disabilities and seniors. Let’s take an example to understand the concept better. A person with Cerebral Palsy needs special treatment through their lifespan. It’s understood that a chronic illness costs a lot more money than a standard care. Cerebral Palsy may result in a physical impairment that may last for the whole life of the sufferer. The treatment for this condition may require regular doctor visits, many therapies and long hospital stays. Based on the degree of impairment, you may need special health insurance. Many health care professionals will involve, such as vocational therapists, occupational therapists, physical therapists, orthopedic surgeons, radiologists, pediatrician, neurologists and so on. Some patients may need the services of more than one. Some may even need a speech pathologist, registered dietician, cosmetic dentists or urologist, to name a few. So, the coverage offered can help you get some relief as far as the burden of the expenses is concerned. If you don’t sign up, you may suffer from a lot of financial strain and you may need help from other sources like charity organizations and community groups. Therefore, it’s a good idea to benefit from a health insurance.