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Summer Easy Desserts top 20 Recipe Roundup Easy Summer Desserts

20 Best Ideas Summer Easy Desserts

by admin December 23, 2020

20 Best Ideas Summer Easy Desserts . Seeking the Summer Easy Desserts ? 20 Best Ideas Summer Easy Desserts is one of my…

Late Night Snacks Healthy 20 Of the Best Ideas for Easy Late Night Snacks to Make

Healthy Food Recipes

The Best Ideas for Late Night Snacks Healthy

by admin December 22, 2020

The Best Ideas for Late Night Snacks Healthy . Looking for the Late Night Snacks Healthy ? The Best Ideas for Late Night…

Healthy Baked Chicken Breast Recipes the Best How to Bake Chicken Breast

Healthy Food Recipes

The Best Ideas for Healthy Baked Chicken Breast Recipes

by admin December 22, 2020

The Best Ideas for Healthy Baked Chicken Breast Recipes . When you require outstanding suggestions for this recipes, look no even more than…

Healthy Breakfast From Deli Best 20 Healthy Breakfast Sandwich Make Ahead Option

Healthy Food Recipes

Top 20 Healthy Breakfast From Deli

by admin December 22, 2020

Top 20 Healthy Breakfast From Deli . When you require awesome ideas for this recipes, look no further than this list of 20…

Hydrangeas Wedding Cakes Best 20 Hydrangea Wedding Cake A Photo On Flickriver

Wedding Recipes

20 Of the Best Ideas for Hydrangeas Wedding Cakes

by admin December 22, 2020

20 Of the Best Ideas for Hydrangeas Wedding Cakes . Trying to find the Hydrangeas Wedding Cakes ? 20 Of the Best Ideas…

Heart Healthy Ground Turkey Recipes 20 Best Heart Healthy Turkey Chili the Chunky Chef

Healthy Food Recipes

The Best Heart Healthy Ground Turkey Recipes

by admin December 21, 2020

The Best Heart Healthy Ground Turkey Recipes . Searching for the Heart Healthy Ground Turkey Recipes ? The Best Heart Healthy Ground Turkey…

Traditional Easter Dinners the 20 Best Ideas for Ukrainian Easter Dinner Ukrainian Easter Bread Paska

Easter Recipes

20 Ideas for Traditional Easter Dinners

by admin December 21, 2020

20 Ideas for Traditional Easter Dinners . Seeking the Traditional Easter Dinners ? 20 Ideas for Traditional Easter Dinners is among my favorite…

Quick Healthy Snacks 20 Best Ideas Healthy Snacks for Kids for Work for School for Weight

Healthy Food Recipes

The Best Ideas for Quick Healthy Snacks

by admin December 21, 2020

The Best Ideas for Quick Healthy Snacks . When you need amazing suggestions for this recipes, look no even more than this listing…

Quick Simple Healthy Dinners 20 Best Ideas 15 Minute Healthy Roasted Chicken and Veggies Video

Healthy Food Recipes

20 Of the Best Ideas for Quick Simple Healthy Dinners

by admin December 21, 2020

20 Of the Best Ideas for Quick Simple Healthy Dinners . When you need awesome ideas for this recipes, look no even more…

Healthy Crockpot Side Dishes 20 Of the Best Ideas for Healthy Crock Pot Recipes Side Dish

Healthy Food Recipes

The top 20 Ideas About Healthy Crockpot Side Dishes

by admin December 20, 2020

The top 20 Ideas About Healthy Crockpot Side Dishes . Seeking the Healthy Crockpot Side Dishes ? The top 20 Ideas About Healthy…

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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.