I have been a health insurance broker for over a decade, and every day I hear more and more "horror" stories of health insurance companies not paying claims, refusing to cover specific conditions, and physicians not being compensated for medical services that are listed on the Internet . Regrettably, insurance firms are motivated by profits rather than by the needs of their customers (albeit they need people to make profits). If an insurance company can find a legal justification to refuse to pay a claim, they will almost certainly do so, and you, the consumer, will suffer as a result. What most people don't realise is that an insurance policy has relatively few "loopholes" that provide the insurance company an unfair advantage over the consumer. In truth, insurance firms go to considerable lengths to explain the restrictions of their coverage by allowing policyholders a 10-day period to study their policy (a 10-day free look period). During their 10-day...