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22 Ideas for Halloween themed Birthday Cakes

by admin January 19, 2019September 4, 2019

22 Ideas for Halloween themed Birthday Cakes .Halloween Bloody Baked Rats This is an enjoyable, affordable, weird Halloween entree that will gross out…

Graduation Cupcakes Decorating Ideas top 20 Graduation Cupcakes and How to Make Fondant Graduation

Graduation Recipes

Top 20 Graduation Cupcakes Decorating Ideas

by admin January 18, 2019March 8, 2019

Top 20 Graduation Cupcakes Decorating Ideas . Seeking the Graduation Cupcakes Decorating Ideas ? Top 20 Graduation Cupcakes Decorating Ideas is among my…

Healthy Individual Snacks 20 Best Snack Idea Individual Portions Of Mixed Fruit I Can

Healthy Food Recipes

Best 20 Healthy Individual Snacks

by admin January 15, 2019March 8, 2019

Best 20 Healthy Individual Snacks . When you require amazing suggestions for this recipes, look no even more than this checklist of 20…

Healthy Smoothies During Pregnancy Best 20 5 Healthy Pregnancy Smoothie Recipes You Need to Drink

Healthy Food Recipes

The top 20 Ideas About Healthy Smoothies During Pregnancy

by admin January 14, 2019March 8, 2019

The top 20 Ideas About Healthy Smoothies During Pregnancy . Seeking the Healthy Smoothies During Pregnancy ? The top 20 Ideas About Healthy…

Recipes for Healthy Lunches the top 20 Ideas About Freezable Healthy Lunches

Healthy Food Recipes

The Best Recipes for Healthy Lunches

by admin January 14, 2019March 8, 2019

The Best Recipes for Healthy Lunches . Trying to find the Recipes For Healthy Lunches ? The Best Recipes for Healthy Lunches is…

Banana Pumpkin Bread Healthy the top 20 Ideas About 15 Pumpkin Recipes My Life and Kids

Healthy Food Recipes

The top 20 Ideas About Banana Pumpkin Bread Healthy

by admin January 13, 2019March 8, 2019

The top 20 Ideas About Banana Pumpkin Bread Healthy . When you require remarkable concepts for this recipes, look no further than this…

Healthy Choice Bread 20 Best Multi Grain Carrot Bread Healthy Choice for Snacking

Healthy Food Recipes

The Best Ideas for Healthy Choice Bread

by admin January 9, 2019March 8, 2019

The Best Ideas for Healthy Choice Bread . Searching for the Healthy Choice Bread ? The Best Ideas for Healthy Choice Bread is…

Healthy Game Day Snacks the top 20 Ideas About Healthy Football Snacks

Healthy Food Recipes

20 Best Ideas Healthy Game Day Snacks

by admin January 7, 2019March 8, 2019

20 Best Ideas Healthy Game Day Snacks . Seeking the Healthy Game Day Snacks ? 20 Best Ideas Healthy Game Day Snacks is…

Is Jewish Rye Bread Healthy the Best Life Through Lists

Healthy Food Recipes

20 Best Ideas is Jewish Rye Bread Healthy

by admin January 6, 2019March 8, 2019

20 Best Ideas is Jewish Rye Bread Healthy . Trying to find the Is Jewish Rye Bread Healthy ? 20 Best Ideas is…

Super Healthy Salads the Best Scandi Home Rich Mineral Salad A K A Super Healthy Salad

Healthy Food Recipes

20 Ideas for Super Healthy Salads

by admin January 5, 2019March 8, 2019

20 Ideas for Super Healthy Salads . Looking for the Super Healthy Salads ? 20 Ideas for Super Healthy Salads is one of…

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.