Virginia Medicaid (cardinal care smiles) helped me see a dentist for the first time in a hot minute. Long story short, I just received correspondence that the crowns I need have been "partially denied." The exact denial was worded as, "We decided to partially deny the request.". They did not elaborate on why. What do I do from here? They stated "Your provider can ask to talk to our dentist that made thsi decision." So, do I have to reach out to the practice to REQUEST they advocate for me? Or were they also now notified? I was so excited to finally make headway with my dental health. I'm feeling like the grandma from that one scene in the incredibles right now haha. Thanks for any and all advice.

Hey, has anyone ever dealt with owner guard gap insurance. I have been calling them for 5 days and emailing them and no one answers. It seems to only be one person that is working that is in a total different department. They don’t even have a headquarters if anyone has been in contact with them please let me know. I’m just trying to get a hold of anyone because someone totaled my car and I’m left paying out of pocket. Thank you for your time.

I opened my bank account yesterday and my jaw dropped to see a hefty bill of $519.67 from Healthy Paws!! I have been their customer for more than 10 years and they took care of my pets....They covered an expensive procedure about 3 years back and I felt nothing but grateful...Their claim submission process is very simple....No recent high amount bills from my end (just regular procedures in the last 2 years!!) ....I referred my friends to them...And I was a happy customer until today...I understand that companies sometimes need to increase their rate but to increase it by 323% !!! ... I am just sad and devastated...You value your kids'/pets' health more than yours...I just paid $160.49 a month ago..if they had to increase the rate to $200.00 or $215.00, I would have understood...But this rate hikes is truly unjustified...I am planning to report it...My heart is broken....I wanted to let people know..

Hi all, I’m in a common and frustrating position revolving around paying for health insurance. Here is my situation. I work part-time and go to school part-time, so I don’t qualify for full-time benefits for work or any equivalent part-time healthcare offers in Michigan So that’s the first part. I gross about $600 a month working and my healthcare premium is $650 a month alone for BCBSM HMO Gold plan. It just is not feasible to pay that much for healthcare anymore- especially, out of pocket in full. What I do have is Medicaid and CarePayment accounts that help me cover the costs and pay down medical debt in a reasonable time frame. I need some coverage because I have a mental health condition and commonly use: medications, psychiatry, therapy, and labs. I am wondering if I can get by just with MI Medicaid. Is that risky since Medicaid has very low reimbursement rates? Or is it reasonable to go with Medicaid and just try to be frugal medically? What I want to avoid is going for routine procedures and leaving with a $1200 bill, AND paying $650 a month only to use it half hazardously. Thanks.

I'm on my mom's blue cross blue shield medicaid IL insurance and for some reason I was kicked off last month and now it says I'll be back on next month. My mom isn't sure why that happened. When I tried to make an appointment yesterday my bcbs insurance ID wasn't working when it always has. But I NEED to go to a hospital some time soon. Will my medicaid ID work or are they together? If it doesn't work does that mean I'll have to pay out of pocket if I go before next month.

I’ve been looking for pet insurance and I’m so overwhelmed. I need help! I was looking at nationwide since it looked affordable but then I read awful things. I’m hoping someone can give me some recommendations! I live in Illinois. 8 year old Pomeranian, she had luxating patella (not sure how it’s spelled, but where her knee pops out of place). 7 almost 8 year old dachshund. He doesn’t have any pre-existing conditions! Edit: THANK YOU for all the responses!

Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

I might get flooded with 100 "No, why didn't you read the policy language" comments, but it's worth a shot! My partner and I have been with Trupanion for four years, and we have a love-hate relationship with it. (But it feels like that's common for most pet insurance providers -as with insurance in general). We have been fortunate to gain more financial stability in the past year and decided we wanted to add "Recovery Care" to our plan. This would raise our monthly premium from $145 to $190, but we decided it was worth it. However, when we reached out to Trupanion via online chat to add this coverage, they let us know that they have a policy that you cannot modify your policy \~at all\~ after 30 days of joining said policy. This is wild to me because financial circumstances change, and...why would they not want to get more money? Now I'm seriously considering changing providers. My question, before "jumping ship" from Trupanion is: has anyone gotten them to waiver on this policy? I'm also going to call their customer service line to see if I'd get more traction there compared to the online chat, but I thought I'd ask here too.

I am in a situation where I need a surgery so will 100% hit my out of pocket maximum. The max, 8K, is fortunately something we can readily afford. The only thing that scares me are all the scary stories about how they get completely screwed over for supposedly covered procedures and are in debt tens of thousands at once. What I do to prevent this possibility or are those detrimental stories are from people who do not have any coverage??? My insurance is with United.

Progressive, Northern California, 5 driver/5 car policy. I’m mostly remote now at work and sold my car for a local commuter. With the new car, my annual mileage estimate went down by 5k miles per year. The car is dirt cheap, so I opted for liability only coverage. I thought I was going to save $1000 per year, but my rates stayed almost the exact same. What’s going on here? Would talking to an agent on the phone change anything?