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Top 20 Wedding Cakes San Jose

by admin December 17, 2018March 17, 2019

Top 20 Wedding Cakes San Jose . When you require awesome concepts for this recipes, look no additionally than this checklist of 20…

Healthy Breakfast Quotes the Best Ideas for Healthy Breakfast Quotes Quotesgram

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20 Best Healthy Breakfast Quotes

by admin December 17, 2018March 8, 2019

20 Best Healthy Breakfast Quotes . When you require amazing suggestions for this recipes, look no further than this checklist of 20 best…

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Best 10 Simple Homemade Chutney Recipes

by admin December 17, 2018March 8, 2019

Chutney is a traditional Indian spice that has a special place in Indian cuisine. It has a long tradition, dating back to 500…

Meat for Easter Dinner 20 Ideas for Easter Dinner Recipes and Easter Food Ideas Easyday

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The Best Ideas for Meat for Easter Dinner

by admin December 17, 2018March 8, 2019

The Best Ideas for Meat for Easter Dinner . Seeking the Meat For Easter Dinner ? The Best Ideas for Meat for Easter…

Wedding Shower Cakes Ideas top 20 Wedding Shower Cake Ideas Wedding and Bridal Inspiration

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The 20 Best Ideas for Wedding Shower Cakes Ideas

by admin December 17, 2018March 17, 2019

The 20 Best Ideas for Wedding Shower Cakes Ideas . When you require remarkable ideas for this recipes, look no additionally than this…

Middle Eastern Dessert Recipe 20 Best Ideas Knafeh Recipe for the Most Fabulous Middle Eastern

Easter Recipes

The Best Middle Eastern Dessert Recipe

by admin December 17, 2018March 8, 2019

The Best Middle Eastern Dessert Recipe . When you need remarkable ideas for this recipes, look no even more than this list of…

Healthy Chicken Pot Pie Crock Pot 20 Best Chicken Pot Pie Crock Pot

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The Best Ideas for Healthy Chicken Pot Pie Crock Pot

by admin December 17, 2018March 8, 2019

The Best Ideas for Healthy Chicken Pot Pie Crock Pot . Seeking the Healthy Chicken Pot Pie Crock Pot ? The Best Ideas…

Are Graham Crackers Healthy 20 Best Guest Blog Healthy Homemade Graham Crackers Domestic

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20 Best are Graham Crackers Healthy

by admin December 16, 2018March 8, 2019

20 Best are Graham Crackers Healthy . Searching for the Are Graham Crackers Healthy ? 20 Best are Graham Crackers Healthy is among…

Healthy Breakfast Pizza Recipe the Best 15 Healthy Easter Recipes Easter Recipe Ideas

Healthy Food Recipes

20 Ideas for Healthy Breakfast Pizza Recipe

by admin December 16, 2018March 8, 2019

20 Ideas for Healthy Breakfast Pizza Recipe . Trying to find the Healthy Breakfast Pizza Recipe ? 20 Ideas for Healthy Breakfast Pizza…

Healthy Turkey Salad Recipe the top 20 Ideas About Healthy Turkey Salad with Grapes Apples & Walnuts

Healthy Food Recipes

The 20 Best Ideas for Healthy Turkey Salad Recipe

by admin December 16, 2018March 8, 2019

The 20 Best Ideas for Healthy Turkey Salad Recipe . Looking for the Healthy Turkey Salad Recipe ? The 20 Best Ideas for…

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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.