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20 Of the Best Ideas for Easter Carrot Cake Cupcakes

by admin November 25, 2020

20 Of the Best Ideas for Easter Carrot Cake Cupcakes . When you need awesome suggestions for this recipes, look no further than…

Healthy Chicken Corn Chowder 20 Ideas for Healthy Chicken Corn Chowder Recipe Recipechart

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20 Of the Best Ideas for Healthy Chicken Corn Chowder

by admin November 23, 2020

20 Of the Best Ideas for Healthy Chicken Corn Chowder . When you require amazing suggestions for this recipes, look no additionally than…

Best Easter Dinner Menu the Best Ideas for Easter Menu Ideas and Recipes the Best Easter Dinner Recipes

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The 20 Best Ideas for Best Easter Dinner Menu

by admin November 22, 2020

The 20 Best Ideas for Best Easter Dinner Menu . Searching for the Best Easter Dinner Menu ? The 20 Best Ideas for…

Camping Birthday Cake 20 Ideas for Campfire Cake – Summer Camp Culture

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The Best Ideas for Camping Birthday Cake

by admin November 21, 2020

The Best Ideas for Camping Birthday Cake . Looking for the Camping Birthday Cake ? The Best Ideas for Camping Birthday Cake is…

Healthy Cheese Snacks 20 Best Ideas Healthy Snack Of the Week Cheese

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The Best Ideas for Healthy Cheese Snacks

by admin November 20, 2020

The Best Ideas for Healthy Cheese Snacks . Looking for the Healthy Cheese Snacks ? The Best Ideas for Healthy Cheese Snacks is…

Healthy Fall Casseroles 20 Best Ideas Healthy Casseroles for Fall

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Best 20 Healthy Fall Casseroles

by admin November 20, 2020

Best 20 Healthy Fall Casseroles . Seeking the Healthy Fall Casseroles ? Best 20 Healthy Fall Casseroles is one of my favorite points…

Healthy Japanese Recipes 20 Best Healthy Japanese Breakfast Recipe Japan Centre

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Top 20 Healthy Japanese Recipes

by admin November 19, 2020

Top 20 Healthy Japanese Recipes . When you need remarkable suggestions for this recipes, look no even more than this list of 20…

Mushroom Main Dish Recipes Healthy Best 20 Lemon and Garlic Chicken with Mushrooms the New York Times

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20 Best Ideas Mushroom Main Dish Recipes Healthy

by admin November 19, 2020

20 Best Ideas Mushroom Main Dish Recipes Healthy . Searching for the Mushroom Main Dish Recipes Healthy ? 20 Best Ideas Mushroom Main…

Easy Healthy Vegan Dinner Recipes 20 Ideas for 16 Delicious Vegan Dinner Recipes Cookie and Kate

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20 Best Easy Healthy Vegan Dinner Recipes

by admin November 19, 2020

20 Best Easy Healthy Vegan Dinner Recipes . When you need incredible concepts for this recipes, look no even more than this list…

Summertime Bbq Desserts 20 Best 20 Best Desserts for A Summer Bbq or Potluck something

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The Best Ideas for Summertime Bbq Desserts

by admin November 18, 2020

The Best Ideas for Summertime Bbq Desserts . When you need outstanding suggestions for this recipes, look no better than this checklist 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.