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Summer Birthday Cake 20 Best Ideas Strawberry Shortcake Party Lillian Hope Designs

The top 20 Ideas About Summer Birthday Cake

by admin October 28, 2021

The top 20 Ideas About Summer Birthday Cake . Searching for the Summer Birthday Cake ? The top 20 Ideas About Summer Birthday…

Spaghetti Strap Summer Dress 20 Best Ideas I Ll Have Spaghetti Please

Summer Recipes

The top 20 Ideas About Spaghetti Strap Summer Dress

by admin October 27, 2021

The top 20 Ideas About Spaghetti Strap Summer Dress . When you require incredible concepts for this recipes, look no even more than…

Dinners for Hot Summer Nights 20 Best Ideas 24 Cold Dinner Recipes that are Perfect for Hot Summer Nights

Summer Recipes

20 Ideas for Dinners for Hot Summer Nights

by admin October 25, 2021

20 Ideas for Dinners for Hot Summer Nights . When you need awesome concepts for this recipes, look no even more than this…

Summertime Rum Drinks the 20 Best Ideas for 8 Rum Drinks for Summer Entertaining

Summer Recipes

Top 20 Summertime Rum Drinks

by admin October 21, 2021

Top 20 Summertime Rum Drinks . Trying to find the Summertime Rum Drinks ? Top 20 Summertime Rum Drinks is just one of…

Fresh Fruit Desserts for Summer the Best 7 Healthy Summer Desserts

Summer Recipes

The top 20 Ideas About Fresh Fruit Desserts for Summer

by admin October 21, 2021

The top 20 Ideas About Fresh Fruit Desserts for Summer . When you require amazing ideas for this recipes, look no even more…

Easy Summer Dessert 20 Of the Best Ideas for the Best Summer Desserts top 50 Summer Desserts

Summer Recipes

The top 20 Ideas About Easy Summer Dessert

by admin October 20, 2021

The top 20 Ideas About Easy Summer Dessert . When you need awesome concepts for this recipes, look no additionally than this listing…

Vegan Summer Squash Recipes top 20 Vegan Summer Squash Gratin Recipe

Summer Recipes

Best 20 Vegan Summer Squash Recipes

by admin October 16, 2021

Best 20 Vegan Summer Squash Recipes . When you need remarkable ideas for this recipes, look no further than this listing of 20…

Indian Summer Turkey Chili Best 20 Indian Summer Turkey Chili

Summer Recipes

20 Best Indian Summer Turkey Chili

by admin October 15, 2021

20 Best Indian Summer Turkey Chili . When you require remarkable ideas for this recipes, look no further than this list of 20…

Summer Quinoa Salad the Best Ideas for Green Goddess Quinoa Summer Salad Recipe Pinch Of Yum

Summer Recipes

The Best Summer Quinoa Salad

by admin October 9, 2021

The Best Summer Quinoa Salad . When you require awesome concepts for this recipes, look no further than this checklist of 20 finest…

Summer Recipes

20 Of the Best Ideas for No Bake Desserts for Summer

by admin September 30, 2021

20 Of the Best Ideas for No Bake Desserts for Summer . Seeking the No Bake Desserts For Summer ? 20 Of the…

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.