I had to get ambulance twice between that time my job switched insurance company. Incident was in 4/2024 while I had old insurance, I just got an invoice this January. First notice, now I have new insurance and they aren’t covering it but I have one from January and my new insurance is covering. How do I go about this? I should have been got an invoice from the last year event that happens all the way in April, and just got both because I had an incident in January of the new year.

Edit: Total amount that was for the insurance that month was like $400 something. I think around $430. Not sure if that has something to do with it Hey so I had gotten my car back a couple of months ago. To put it short, for some dumbass reason my ass didn't think I would need insurance to take the car off the lot and didn't factor that into it, as the last time I gotten a car I went to a shady shitty dealership which let me drive off with just liability. So I had set myself up with Bristol West. Thing is I did not have the money for the insurance but it went through because I did an option that would collect over a few days. It showed as active for me to collect my car. Anyways immediately like a day or two later, I decide to go with Progressive which was much cheaper and canceled my plan with Bristol by calling them. (I used Bristol to pick up my car but then changed it to Progressive and they took that) After it got canceled I got some mail saying that I owe $110. Now question. I do know that say if you cancel mid-cycle or early they give like a "refund" or don't make you pay the whole amount. My question is, does $110 seem right for literally using them for about a day or so. Keep in mind they couldn't even charge me but it showed my acc as active. Active enough to try and get my car. Does anyone have any experience with this? How do they decide how much to charge you when you cancel, Does it matter when you cancel or they just give you a rate which you have to pay. I just realized that they sent it to debt collections and want it.

I recently ran into some medical issues and just got my blood sent in for testing, which my office said they'd run through my insurance. Then today at work my coworker got a call from her doctor saying that her appointment had to be rescheduled or cancelled because her insurance policy came back as having been cancelled. I immediately went to check the status of my insurance and found that it had been "termed" as of a month and a half ago. According to my insurance provider, I have no medical, dental, or vision insurance. My paychecks are still having money pulled for insurance payments and I received no notice of a cancelled plan (checked emails, messages, and physical mail) but when I call my provider they tell me I'm not insured. This is the same for every other coworker I've spoken to this afternoon. I've already reached out to my employer about this and am waiting on a response, but my question is: if my medical bills come back higher because I'm "not insured", am I legally able to make my employer pay for the difference as it's their responsibility to maintain my (and my other coworkers') health insurance?

Hi. I have to decide whether to accept or reject a lump sum offer from long-term disability insurance. I ran some numbers and after taxes, I think the lump sum offered is equivalent to almost 9 years of monthly benefits. In this math, I reduced the monthly benefit by 35% because I think that if I turn down the lump sum, I will have to get a lawyer to help me through whatever else the insurance company will try to do to reduce or deny benefits going forward. I had to appeal a denial a few years ago and back then, disability lawyers were taking about 33-40% of benefits. (I had decided to pay a flat fee for help with the appeal only.) I became disabled at age 30 so I have quite a long ways to go and don’t know if I have the mental, emotional, and financial resources to get through another denial. I still have PTSD from that period, which was also during COVID. Even though I don’t see how I could suddenly start making money, I feel like at least the lump sum is a sure thing. If I reject it, what kinds of things will the insurance company do for the rest of my benefit period in order to balance their books? I am especially worried about extra uncertainty with SSDI. If my SSDI payments get cut, my long-term disability insurance payments are supposed to go back to the pre-SSDI amount, which is more than double what they’ve been paying since offsetting for SSDI. If this happens to a lot of people at once, what kinds of things will the insurance company do? Right now, rejecting the lump sum feels like I would be subjecting myself to a scary black box of strategies to reduce or deny my benefits. I appreciate any information that could help me make a more informed decision. Thank you!!

I've seen some posts like this but figured I would ask my own question. I have a 2010 f350 dually that I only use to carry the camper or pull the boat. I think I owe around 10k on the loan if that. My truck bed camper came loose and sat on my wheel well bending the bed rail and fender. I submitted it to geico and they gave me $1700. Few months later I got an estimate from a shop and it will be $8000 to fix. It's just cosmetic and doesn't bother me too much since I very rarely drive it. Can I keep the money and instead put a flatbed on the truck in the future? I'm 32 and this is my first insurance claim. I'm looking for advice from anyone but would like to know preferably from people with experience with keeping the money from geico. Any advice is appreciated!

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

Last month, I was laid off. I opted into COBRA with a start date of 04/01. The paperwork was sent to me last Wednesday, I elected into it Thursday, and paid my premium on Friday. Today, I logged into Cigna and it's showing I'm inactive with no insurance. After a few hours of customer service between the COBRA intermediary (WageWorks), they assured me I'm active and it takes a couple of weeks for Cigna to process. They sent things over yesterday and said my insurance would be dated 04/01. On the chat, Cigna wasn't able to help very much (which I understand). Is there anything else I should work on during this transitional time? Or, have others had success with waiting and letting the process work itself out? Thank you all so much!

I initially chose Trupanion because of its **per-condition deductible**, which seemed like a great deal. The idea that once you pay the deductible for a condition, you’re covered for life sounded like a financial safety net. **But there’s a catch**—what you think a condition is and what they classify it as can be entirely different. I have a **golden retriever** and live in **California**, where vet care is already expensive. Over the years, I’ve **paid thousands out of pocket** for the same recurring issues, thinking I'd eventually see the benefit of having met the deductible. Instead, I was repeatedly disappointed to find that Trupanion either classified the conditions differently or found other ways to deny meaningful coverage. Yesterday, when they pulled the same stunt yet again for one of my recent claims, I finally sat down and did the math. And what I found was infuriating: * **Total amount claimed (across multiple years):** $18,785.07 * **Total amount paid by Trupanion:** $4,074.02 * **Percentage of total expenses actually covered:** **21.69%** And this doesn’t even factor in the **monthly premiums** I paid on top of it. When I do the math, I might as well have **skipped insurance altogether** and just covered my pet’s medical bills myself. It would have cost me about the same, if not less. Now, I am considering switching to a different pet insurance. While they have a waiting period for **curable pre-existing conditions**, I am **happy to wait it out**—because let’s be honest, Trupanion isn’t paying for those conditions anyway. At this point, I might as well **put everything out of pocket** while I wait for better coverage. If you're considering Trupanion, **think twice**. Their deductible structure sounds promising, but their classification loopholes mean you might **never actually reach it** for conditions you thought were covered. At this point, I feel like I’ve wasted money that could have gone directly into my pet’s care instead of into an insurance plan that gave me little in return. I wouldn’t recommend Trupanion to anyone expecting true financial relief from pet medical expenses. **Save your money, start an emergency pet fund, and skip the frustration!**

I have Wishbone pet insurance, and they are very slow to response for either. Everyone has been very nice, but my claim just got denied for 6 months after my dog ruptured her CCL. What is frustrating is she had the zoomies on 5/3/2025 and that is when she tore her CCL. My waiting period is 5/9/2025. Am I just out of luck and 5 days is the difference between 3k out of pocket?