Before I contact them does anyone know why I could get a 42% increase in cost at renewal? I've been with them for over a decade! I had one claim this year because lost control of car in snow storm and hit a pole. My rate went up by $11 a month(which I understood) but a crazy rate increase at renewal is new to me! Is this normal??

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?

Hey all, Ran across something weird today. I was notified by my son’s pediatrician office that his provider was not covered under our insurance plan. We have been going to this provider without issue and picked this provider based on the fact that when we searched him on our insurance website, it listed him as in network. I contacted my insurance company, and they reported to me that on initial search based on NPI, he was a covered provider. I called the billing office back and they said to give the insurance company the tax ID to search. I did this, and my insurance said the tax ID was not covered, but when the tax ID and NPI were provided, it was listed as covered. My insurance called the billing department, and they told my insurance that they do not accept my insurance plan, only certain policies under my insurance provider, but not my specific plan. The medical office told me they would be resubmitting the prior claims since they should not have been processed as “in network” and that I would be responsible for payment since it’s out of network. I can’t make any sense of this. All prior claims from the visits were processed and covered by my insurance, but now the medical office is claiming that they have always been out of network? Why would they have been billing my insurance if they were in fact out of network? Any help or insight would be helpful!

Hello, So last year I got bit by a stray dog and had to go get my rabies shot. I went to urgent care first where they told me to go to the ED (nonprofit) down the road to get the shots. I went to the ED, got the shots, and went on my merry way. I got a bill yesterday for the shots where my insurance (TriWest as a dependent) paid for $25,000 of the $28,000 and the hospital left the $3,000 balance to me. Is there any way I can find out if the hospital gives assistance? I’m a college student and I can’t afford such a high bill with every other bill I have so I just want to pick your brain on ways I could possibly reduce this. I am in Texas, and I currently have no income. Thank you!

Repost 😆 I was rear ended at a light…luckily I was the only one in the car. The other driver accepted liability and I’m going through their insurance. I did get whiplash which I could feel a bit after the accident along with a bad headache. The pain is lingering a few weeks later now in my neck and shoulder. The injury claim adjuster offered $500 to sign an injury release. I want to avoid lawyers and running up medical bills etc for an injury that will likely heal over time. From industry experts or others with similar experience, what’s a fair settlement?

Who do you guys recommend for insurance? both of my policys personal & commercial are with progressive, our renewal literally went from 2k a month to 5K a month smh - we have had no incidents, or any history for that matter.

Hey folks, my son was in a n accident a year ago. A driver hit him and a number of other people on the freeway. Son was NOT at fault and took the least of the overall damage. Mercury had me send the car to their adjuster and repair. It was fixed a year ago. All done I thought. Now I’m getting messages from the adjuster ranking for the EDR data from the car. What are my obligations here? The car was in another slight accident after this(hit a pole). Neither accident had airbag deploy. The letter they sent was quite demanding.

I was in a minor fender bender in a parking lot. Other driver was turning into main drive. I was passing a car that was stopped so I was hard to see. I had minor scrape to left front bumper and other driver had minor scrape to left front. Probably about $1,000 damage to each car. Exchanged info, he's an attorney who does work for state farm. I had camera in car, but actual collision was on side so actual impact not shown. Sent my info and video to State Farm. Got an answer in one day. Was told it was inconclusive, and no one was at fault. So, we both pay our deductibles. It seemed like State Farm looked at the option that would cost the company the least, especially with the speed the determination took place.

I have read some prior threads for this but they are from a year ago and I'm curious if there have been any changes. Background: I have had UHC and used Optum for my specialty pharmacy for years. My specialty medication is a biologic with no generic equivalent. The manufacturer provides me with both a copay card and a payment card. My deductible has consistently been met in January every year using the payment card, and then the copay card picks up the copay for each month for the rest of the year. Situation: This year, the manufacturer payment card was processed as usual and applied towards my deductible, however, they went back a few weeks later and reversed it from my deductible. When I called them, they said nothing has changed and the payment card, as a form of manufacturer assistance, cannot be applied towards my deductible, despite that having always been the case. Based on what I have read about an HHS ruling, they are required to apply this towards my deductible as there is not a generic available. I filed an appeal and was denied. My employer plan is likely self funded, but from what I have read, that should not matter. Has anyone gotten a resolution to this issue?

Hello kind community. I am trying to make a decision for our 7.5 year old sweetheart. So, we have been on Pet's Best since she was young as my wife was able to get a discount through her employer. At 5yo, our dog suffered a bout of IVDD stage 4 and needed a hemilaminectomy surgery. (came in to something like 14k and we maxed out our 5k coverage.) The surgery went great and she recovered relatively quickly with the help of a lot of alternative therapies. Unfortunately, when we signed on for Pets Best, we did not opt for RAC care (rehab, acupuncture, chiro) We didnt even know this was an option at the time, it would have been a massive help had we had the RAC, so tip - OPT FOR IT no matter what, or make sure your provider covers this. Pets do SO well with "alternative therapy". Since the IVDD, we have been regularly seen by a vet who specializes in holistic offerings. She receives acupuncture and laser therapy and it keeps her in really great shape. She is about 80% to where she was pre-IVDD, but if we go to long without the acupuncture, her mobility dips some. These visits cost about $275 each. She also developed an eye condition (Keratitis & Keratopathy) about a year and a half ago, and has been seen by an eye specialist to reverse and retard the condition with eyedrops with great success. At this point they only want to see her 1x/year. Latest note from this vet reads "She has no active keratitis, controlled (if anything, improved) corneal pigmentation, and is otherwise normal on exam." Pets best has been paying our claims for these visits. The only other claim we've submitted was for getting a foxtail pulled out of her ear canal. \* So, Pets Best sent us a notice of a 2x increase in our premium, leading us to look in to switching to see if we could get something better. Through this wonderful community I came across Physicians Mutual and am feeling like it will be a better option, and that even if we end up paying more we could be in better hands. My fear, however, is that in the switch, anything related to her eyes will be seen as pre-existing. It would be great to get that yearly eye specialist covered but I understand that it may not be if its related to the keratitis. But in the future if she develops cataracts, ulcers, etc in her eye, could it be denied? **My main question**, is related to her mobility upkeep. Would we be able to get acupuncture + laser covered under alternative therapy, as "preventative care" instead of having it tied to the IVDD? Its unclear in Physicians Mutual's documentation how they provide/decide for alternative care. She has not had any incidents related to IVDD in 2.5 years, but there is always a risk that it could show in another area of her spine later. Does anyone here use Physicians Mutual for Acupuncture, or has anyone here successfully added RAC care to their Pet's Best policy post-incident? I feel that even without her history, as she ages we would be opting for regular acupuncture and laser as her primary preventative care. Any insight is greatly appreciated, thanks everyone.