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Summer Birthday Cake Ideas 20 Of the Best Ideas for 21 Sizzling Summer Birthday Cake Ideas Pretty My Party

Top 20 Summer Birthday Cake Ideas

by admin August 30, 2022

Top 20 Summer Birthday Cake Ideas . Seeking the Summer Birthday Cake Ideas ? Top 20 Summer Birthday Cake Ideas is among my…

Summer Corn Chowder Recipe 20 Best Easy Vegan Corn Chowder • Mindful Avocado

Summer Recipes

The Best Summer Corn Chowder Recipe

by admin August 17, 2022

The Best Summer Corn Chowder Recipe . When you need amazing concepts for this recipes, look no even more than this list of…

Best Summer Dessert Recipes the Best Ideas for Summer Desserts Cakes Tarts Pavlovas and Trifle

Summer Recipes

Best 20 Best Summer Dessert Recipes

by admin July 28, 2022

Best 20 Best Summer Dessert Recipes . Seeking the Best Summer Dessert Recipes ? Best 20 Best Summer Dessert Recipes is one of…

Summer Recipes

20 Best Summer Recipes Dinner

by admin July 25, 2022

20 Best Summer Recipes Dinner . Trying to find the Summer Recipes Dinner ? 20 Best Summer Recipes Dinner is one of my…

Easy Summer Desserts for A Party 20 Of the Best Ideas for 50 Easy Summer Desserts Best Recipes for Frozen Summer

Summer Recipes

The Best Ideas for Easy Summer Desserts for A Party

by admin July 14, 2022

The Best Ideas for Easy Summer Desserts for A Party . Seeking the Easy Summer Desserts For A Party ? The Best Ideas…

Summer Cake Recipes the 20 Best Ideas for Summer Layer Cake Recipes Delicious

Summer Recipes

20 Best Summer Cake Recipes

by admin July 6, 2022

20 Best Summer Cake Recipes . When you require remarkable concepts for this recipes, look no better than this checklist of 20 best…

Summer Cookout Side Dishes 20 Best Summer Side Dish Recipes Celebrations at Home

Summer Recipes

The Best Summer Cookout Side Dishes

by admin June 25, 2022

The Best Summer Cookout Side Dishes . Trying to find the Summer Cookout Side Dishes ? The Best Summer Cookout Side Dishes is…

No Cook Dinners for Summer 20 Best Ideas No Bake Dinner Ideas for Summer & No Cook Dinner Recipes

Summer Recipes

20 Best No Cook Dinners for Summer

by admin June 24, 2022

20 Best No Cook Dinners for Summer . Searching for the No Cook Dinners For Summer ? 20 Best No Cook Dinners for…

Summer Pasta Salad Recipes the 20 Best Ideas for Summer Pasta Salad with Boursin Simply Sated

Summer Recipes

The Best Ideas for Summer Pasta Salad Recipes

by admin June 23, 2022

The Best Ideas for Summer Pasta Salad Recipes . When you require remarkable suggestions for this recipes, look no further than this list…

Summer Dinner Party Ideas Best 20 Fresh Summer Dinner Party Ideas

Summer Recipes

Best 20 Summer Dinner Party Ideas

by admin June 21, 2022

Best 20 Summer Dinner Party Ideas . When you require amazing concepts for this recipes, look no better than this listing of 20…

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.