Have an issue with your insurance?
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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Medi-Cal - Medi-Cal and HSA
I have Medi-Cal currently. I just got hired at a job that would make me ineligible for it.
I tried cancelling my Medi-Cal but they're asking for proof of salary or something of the sorts. I still have not gotten paid but I will be paid biweekly and I have 30 days to enroll myself into the work benefits. If I submit the proof, am I still able to enroll into HSA from my job and not get into any trouble? Not sure at what point they will kick me off of the MediCal benefits after I send them an employment letter or whatever proof they want to see.
Spot - Best Insurance for Cats?
I currently have Spot but they decided to raise my premium with no real extra benefit (as most insurance companies do around this time of year). I am now getting charged around $40 a month for a $500 deductible, 90% reimbursement after deductible and no preventative care. Is this fair?
Also if anyone has actually filed a claim and been satisfied with the company/experience which was it? Any company I should avoid all together? Insight would be nice!
(side note: I was looking at Progressive coverage since I could bundle with auto but idk if that's a good idea)
Anthem - Dental Insurance
I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like?
I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.
Buckeye Health Plan - Need help picking a new Ohio Medicaid plan.
Hi everyone,
I’m a female in my late twenties, not pregnant, and I live near Bowling Green, Ohio (Wood County). I’m on Buckeye Health Plan and have been with them for about 3 years. Overall, it’s been fine. I like their 24/7 nurse line, free dental coverage, and that they cover out-of-state ER visits. I travel a lot to Florida, so that’s been very helpful. That said, I’ve noticed some limitations, especially when it comes to finding mental health providers. Another limitation is medication coverage; sometimes, even when the generic version is unavailable, it’s still difficult to get the brand-name approved.
I’m considering switching to a Medicaid plan that offers more options and benefits, especially in case I face bigger health issues like surgery or serious illness.
From my research, CareSource, AmeriHealth Caritas, and Humana Healthy Horizons seem to have the best options. I also like when plans are good with technology and keep their websites up to date. The problem is, after searching Reddit and reading different posts, the opinions are all over the place.
Finding a provider is not a problem, and I’ve already read what each plan offers. They all seem good, so that didn’t help narrow it down. I just don’t want to switch and then be stuck with a plan I don’t like for another year. I’d really appreciate hearing from anyone who has experience with these plans and could recommend a good option.
Healthy Paws Pet Insurance - Healthy paws pet insurance
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
Country Financial - Older apartment building insurance
I managed two older buildings one built in 1950 and one built in 1900. The company's own them for 13 years and never had a insurance claim. Country financial, which is owned by Farmers I believe, did a risk analysis is dropping 45% of their older homes
Are there any companies out there that are easier to cover older rental properties with older rust but still in good condition?
Ameriprise Financial - Have a Roth IRA with Ameriprise Financial, starting to think I should move it. Advice needed.
When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so.
However, I do not really know where to begin.
Should I move my Roth away from Ameriprise?
How would I move my Roth?
Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee?
Thank you so much for the help.
Lively - Why does Lively HSA not allow me to open an account?
I am trying to move my HSA out of Fidelity for a previous job, since they will start charging fees. When I tried to open a Lively HSA, I got this message. Has anyone else run into this before? Any theories why I might be getting this?
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Thank you for reaching back out to us.
After careful consideration by our accounts team, we have determined that we will be unable to open an account for you and have no further information we can provide.
There is no further need to contact us about this as our decision is final. We consider this issue closed and will not be responding further.
Thank you for considering Lively, we truly wish you the best at finding another HSA provider.
EDIT: I just contacted Fidelity, there are actually no fees! I'll be keeping it as it is.
Allstate - Allstate denied my claim on their insured. Anything I can do?
I was in a car accident yesterday. A person ran a red light as I was entering an intersection and ripped across the front of my car. Bumper cover was destroyed, and the hood won't open now. Unfortunately there were no witnesses (no one stopped, anyway), and the other person's insurance company (Allstate) says I'm at fault (I suspect the other driver lied about running the light). Is it worth the effort trying to sue for what is likely to be $10,000 or less in damage? Will it be possible to get an attorney to take such a small case?
old insurance company - Suspended Permit, Insurance Issue, Court Coming Up Lawyer or Public Defender?
So a state trooper pulled me over the other day because my license plates were suspended. Turns out my old insurance company didn’t notify the MVA when I switched providers, so the plates got flagged.
The trooper asked for my license — I only have a learner’s permit — and I handed it over, along with my passenger’s license since he has a full one. When the trooper came back, he told me that my permit was suspended and then took it from me.
I went to the MVA and paid a $400 fine for the plates, and while I was there, they told me my permit was suspended because I never completed a Driver Improvement Program (DIP) from two years ago. Thing is — I actually did complete it.
I called the driving school, and they admitted they forgot to submit the completion to the MVA. They basically just said “sorry,” but now I’ve got a court date, and the letter says there’s a possibility of jail time.
Now I’m freaking out. I’ve got about $1,000 to my name. Should I try to hire a lawyer, or go with a public defender? I really don’t want to risk going to jail over something like this.
Location: Frederick,Maryland
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