Hi all, I have been losing my mind trying to figure out which coverage would be best for my pup. He is a 1YO chihuahua/poodle mix who was rescued off the side of the road at 3 months with a broken hip. He has had FHO surgery which did seem to help reduce his pain and allow him to put more weight on the limb (left hindleg). He loves running and jumping around and generally acts like a happy puppy, but will likely always walk with a limp. I'm aware he may develop issues as he gets older from compensating. We currently have Pets Best, which we have not had a good experience with. We have sent them the same documents three times and every time they said they did not receive it, even when I'm actively looking at the email to their claims department while on the phone with them. Then it takes a full two months for them to review the documents, only for at the end of two months for them to close my claim because they did not receive my documents.... and thus the cycle continues....... Which insurance would you recommend? Should I just suck it up and accept that I'm likely going to have to pay in full for any orthopedic issues? I'm happy paying on the higher end ($70-$100 a month) for more full coverage that would include exam visits, medications, etc, but I'm having a hard time figuring out which insurance would work best for my pet. Any advice y'all have to give would be greatly appreciated and save me hours of going down this rabbit hole!!!

Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?

I got diagnosed with sleep apnea and I was delaying my treatment because I found out that its very expensive. After a few months, the cpap company based in Houston, TX reached out again that my deductible has been met and I just owe 171$ and then insurance will take the charges. After I started my sleep apnea treatment, I got the call again from the medical company that they made a mistake on their end and the benefit information was not correct. So now, they are asking me to pay 45$ for supplies and 65$ for cpap rental every month till the payments are complete. I am just a loss of what the hell is this! I get screwed up and left with more charges for a treatment which was quoted wrongly to me. I called Blue Cross Blue Shield OF TX and they said they cannot help me. My current insurance is ending in one month and I am changing insurance from next month. So, it doesn’t make sense why pay deductible towards an insurance which will not be there in 30 days. What are my rights?

Hello! I have Guardian Dental insurance. I just received a bill where I am responsible for $217 - Guardian only paid $47.00. Services billed were D0120 and D4910 (Periodic Eval and Periodontal Maintenance). I went on my Guardian account and it says that both codes are covered 100%. They are both under preventative and the coinsurance is listed as 100%. "Detailed and extensive oral evaluation (D0160) is not covered. **Oral evaluations, including codes** ***D0120***\*\*, D0145, D0150, D0170, D0180 or D9430, are covered once in any 6 consecutive month period.\*\* The limited oral evaluation - problem focused (D0140) is not included in the frequency limitation or last visit date." "Periodontal maintenance (D4910) is covered under the Basic service category. Adult prophylaxis (D1110) is covered age 12 and over. Prophylaxis (cleaning) (D1110, D1120) or **periodontal maintenance (D4910) is covered once in any 6 consecutive month period."** My date of service was 3/6/25. I have not had any other services in the last six months. My last visit was 9/3/2024. My deductible is $50, "Yes" means waived for preventative. To date, I met the $50 deductible and Remaining is "0". || || |Individual Dental|Out of network|$50.00|Yes|$50.00|0| ||In network|$50.00|Yes|$50.00|0| My deductible is $50 and it says I paid it... and my coinsurance is 100%? So even for preventative services, this means I'm responsible in paying all of my dental care beyond the first $50? My yearly plan limit is $1000. What is even the point of having health insurance? Is this because I got basic coverage instead of full coverage? I guess I'm ignorant and thought that preventive care would be covered. I feel really stupid right now! I tried calling, but they aren't open. Any assistance to help me understand is appreciated.

I have a 2012 Prius V that was totaled in an accident. It has 40k miles on it (I got it from an eldery couple who almost never drove it). The insurance company came back with 3 comparison vehicles, all were same year/make but all have 90-100k miles. They are saying that the "adjustment" of value for the mileage difference is only $1500... Does that seem right?

Hello all, I am here hoping to find some clarity as to what happened and if I did anything wrong. For context I am chronically ill and have ESRD (end stage renal disease), I am on dialysis 3 times a week, awaiting a kidney transplant. For the last 3 years I have had Medi-Cal and it was handled through California DPSS. This has been the case since I applied. Even when I went into kidney failure and went on dialysis, my medi-cal was still handled by DPSS. I even subsequently applied for Social Security Disability and still my Medi-cal was handled through DPSS. I was just hospitalized last month for a week, so I know that my insurance was definitely still active at that point. Well today, I called my PCP to make an appt and was told my insurance was no longer active. After HOURS of standing in line at the DPSS office, I find out that my medi-cal was transferred to Social Security at the end of March - Without giving me any notice: not even so much as a letter. I’m baffled… I now have to restart the process of picking out a medical group and all that stuff… how did this happen?? Why?? And did I do something wrong????

I'm insured with Geico in Texas, with a $1,000 deductible for both collision and comprehensive coverage, and I’m also enrolled in their rental reimbursement program. My car needed repairs, so I took it to the body shop and used Geico’s rental service to get a car from Enterprise. I paid about $50 in taxes and fees with my United MileagePlus Explorer card — Geico covered the rest of the rental. While I was driving the rental, the windshield cracked. Enterprise later sent me a bill for $415. I contacted Geico, but they said they won’t cover it because the damage is below my $1,000 deductible. I also reached out to Chase (the MileagePlus Explorer card issuer), but they said the rental insurance benefit doesn’t apply because I didn’t pay for the entire rental with the card — Geico paid most of it — so they won’t cover it either. So now I’m stuck with the $415 bill. Is there anything I can do here? Has anyone dealt with a similar situation?

Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.

Hello everyone, a couple of days ago I was involved in an accident where I was merging and hit a car that was in my Blindspot. I feel awful but I maintain that I did everything I could to avoid it. I checked over my shoulder. I use my blinker, my car has lane assist. The car that hit me just came out of nowhere. I took my car to an auto body repair shop that is owned by a family friend and they quoted my total repair at $7600. progressive told me that if the cost to repair my vehicle is 50% of my cars total value that they will just total it.. I do not want my car totaled as it’s almost paid off and I don’t think it’s even that damaged I could just replace the passenger door on my own and be done with it, I owe about $1700 on my car and progressive also told me that if they total it that the bank might take my car!! I would rather just go pay off my car and fix the door myself. Can anybody give me an input or help? To make matters worse my husband is active duty and we are leaving in 8 weeks across the country. I feel sick

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.