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The Best Easter Desserts Recipes

by admin October 18, 2018March 8, 2019

The Best Easter Desserts Recipes . When you need incredible concepts for this recipes, look no further than this list of 20 ideal…

Summer Gin Drinks the Best Ideas for 10 Easy Gin Drinks for A Hot Summer Day

Summer Recipes

20 Best Summer Gin Drinks

by admin October 18, 2018March 8, 2019

20 Best Summer Gin Drinks . Looking for the Summer Gin Drinks ? 20 Best Summer Gin Drinks is one of my favored…

Healthy Chicken Salad Recipe Easy Best 20 Easy and Healthy Chicken Salad Sandwich Recipe

Healthy Food Recipes

Top 20 Healthy Chicken Salad Recipe Easy

by admin October 18, 2018March 8, 2019

Top 20 Healthy Chicken Salad Recipe Easy . Looking for the Healthy Chicken Salad Recipe Easy ? Top 20 Healthy Chicken Salad Recipe…

Healthy Dinners for toddlers the Best Ideas for 40 Healthy toddler Meals

Healthy Food Recipes

The Best Healthy Dinners for toddlers

by admin October 18, 2018March 8, 2019

The Best Healthy Dinners for toddlers . Searching for the Healthy Dinners For Toddlers ? The Best Healthy Dinners for toddlers is just…

Healthy Make Ahead Dinners the top 20 Ideas About 15 Healthy Make Ahead Freezer Meals Simplify Live Love

Healthy Food Recipes

Top 20 Healthy Make Ahead Dinners

by admin October 18, 2018March 8, 2019

Top 20 Healthy Make Ahead Dinners . When you require outstanding concepts for this recipes, look no further than this checklist of 20…

Healthy Snacks Easy 20 Ideas for Healthy Quick Snack Ideas

Healthy Food Recipes

The Best Ideas for Healthy Snacks Easy

by admin October 18, 2018March 8, 2019

The Best Ideas for Healthy Snacks Easy . Searching for the Healthy Snacks Easy ? The Best Ideas for Healthy Snacks Easy is…

Wedding Cakes orlando Fl 20 Ideas for Wedding Cakes orlando Fl Idea In 2017

Wedding Recipes

20 Best Ideas Wedding Cakes orlando Fl

by admin October 18, 2018March 17, 2019

20 Best Ideas Wedding Cakes orlando Fl . Trying to find the Wedding Cakes Orlando Fl ? 20 Best Ideas Wedding Cakes orlando…

Cheap and Healthy Lunches Best 20 Cheap & Healthy Lunch Box Ideas for Kids Week 3

Healthy Food Recipes

The Best Ideas for Cheap and Healthy Lunches

by admin October 18, 2018March 8, 2019

The Best Ideas for Cheap and Healthy Lunches . When you require remarkable ideas for this recipes, look no better than this checklist…

Camping Recipes

20 Best Ideas Easy Camping Dinner Ideas

by admin October 18, 2018March 8, 2019

20 Best Ideas Easy Camping Dinner Ideas . Seeking the Easy Camping Dinner Ideas ? 20 Best Ideas Easy Camping Dinner Ideas is…

Italian Summer Desserts top 20 Italian Summer Dessert torta Alla Frutta

Summer Recipes

20 Best Italian Summer Desserts

by admin October 17, 2018March 8, 2019

20 Best Italian Summer Desserts . Looking for the Italian Summer Desserts ? 20 Best Italian Summer Desserts is just one of my…

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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.