My Aetna plan will be removing Miebo from coverage in the new plan year effective 7/1/25. This drug is the only FDA approved drug proven to treat the evaporative component of dry eye disease. There recommending I switch to Restasis , which is a good drug, but only treats the production of tears and not evaporation. Since there is no generic and no FDA approved alternative , are there any legal actions I can consider, or the plan can just do whatever they want and I’ll need to find another company that will cover the plan. The drug is about $800 a month, and while I can make it work, I would prefer for it to be paid for. I could also attempt to back door the European Version EVOTEARS from Germany for $20 a bottle.

My dog has been with Trupanion for 5 years. She was healthy as a horse when we switched her, so I thought we were in the clear for no pre-existing conditions. Obviously, naive. Anyways, they are rejecting all tooth extraction claims because a vet wrote "mild tartar" one time in her records 5 years ago. The vet never said anything to us about her teeth until this year, when they told us she needed extractions due to bone loss in her jaw. The vet says it should be covered, but they rejected the claim and I am not holding out hope for the appeal. I am considering switching her to AKC. They won't cover her teeth either - but I can get a high-deductible plan with hereditary plus coverage for $70 per month. It would cover pre-existing conditions after 365 days, according to the person I spoke with. So I could save over $30 per month, that could go towards her inevitable future extractions. My thinking is that I now understand that the insurance companies can turn anything into a pre-existing condition post-hoc. I don't trust Trupanion to not do that again. At least with AKC, they cover pre-existing conditions so if she ever got cancer on her ear, for example, it wouldn't be excluded just because she had an ear infection in 2020. Is this thinking sound? Has anyone switched to AKC and could give some advice? https://preview.redd.it/8r3nxzh7yqke1.jpg?width=4080&format=pjpg&auto=webp&s=5bdb9dc183f9cb9d286aec2404203e53dbdbe5cc

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?

Like many Californians, got dropped by Farmers last year and the only option was CalFAIR for our fire policy. Paid the quarterly in February online and on time, got a letter today saying that the premium “was not honored by your financial institution”. Double checked my banking app, it showed the amount was paid with no problem. The running balance on my account was around $2-3000 at that time, no way it was NSF for a $676 debit. Plus, my account has NSF protection, where if I do go over (which I haven’t in decades), money from savings is transferred into checking to cover the overdraft. Basically, impossible to be NSF. So now I get to wait on hold Monday morning for however long, and what do I say when/if I get to a real person? How do I prove this was paid? Do I call the bank first?

Hello all, thank you in advance for your help, this has been a nightmare of a case with the valet company that services my apartment building. Long story short, the valet that parks the residents cars at my apartment building backed my car into a wall causing significant damage to the trunk and bumper. The valet is denying responsibility given there was no camera that captured it happening in real time. The valet company is refusing to give me their insurance information, and my insurance is claiming the valet driver is a “permissible driver” and therefore the liability falls on me. Now my insurance is being raised by almost double because I now have an “at fault” accident on my record. What is the best course of action here? How can I get the valet’s insurance info? Any help here is greatly appreciated…

My ex and I have been separated since mid-2017, but his Meritrust credit card is still showing up on my credit report. I've worked hard these past few years to knock out the debt I created for myself as a dumb 20-something year old, but I cannot get rid of this debt. I myself never even used this card when we were together. I don't even know why he asked me to cosign in the first place, but of course I said yes because he was my husband at the time. He won't speak to me about it, and I've tried reaching out to his family, but nothing has changed. I've tried contacting Meritrust, but the only option they give me is to settle the debt myself and close the account. If anyone has any advice on how to proceed with this, I'd really appreciate it.

I’m looking for employment in the financial sector and I got on a zoom call with a financial services company, companies name is Axium. They’re an independent broker using Primerica as their custodian. He kind of explained they’re like a marketplace for financial products now . 401(k)s, annuities, mutual funds, even rocket mortgage. As well as life insurance. But I have concerns because I’m a child of the 90s and I remember Primerica having a bad rap. Seems like they don’t have the same practices they used to. But I’m wondering if it’s worth it to take this employment, and if I’m just making something out of nothing. Does anyone have firsthand experience with Primerica as a client or employee?

hey all, I was with nationwide insurance for my 2 young cats for the past 2 years. Never needed to use them but the $50 a month was worth it for me. Yesterday I found out they discontinued the ‘whole pet plan’ policy they were signed up for in my state and did not notify me. They cancelled it end of December with no email/call/correspondence. They created a new policy similar to their original and discontinued the one my cats were on. I went in to double check the illness coverage for their policy because I was about to bring in my sick cat, and that’s how I found out they cancelled his coverage. I spoke to 3 different people and their supervisors for hours and they refused to reinstate their coverage on a different plan until the 2 week waiting period was over, and didn’t take any accountability for their failure to contact me before/during/after they cancelled his coverage. My cat is now entering early heart failure and the testing to diagnose what type will cost over $5,000 to get him into a specialist. He’s only a 5 year old cat with no signs of a heart murmur/heart and liver issues until yesterday. As of now, he’s on various medications to try to stabilize him until he’s healthy enough for an echo exam. I chose Nationwide because they appear to be a reputable insurance company in other regards, but I will never be enrolled with them again in any capacity. I’ve never really written a review on any experience that I’ve had because I feel like everyone has different experiences. PLEASE do not use this company for your pet insurance. I don’t want anyone else to have to go through what my cat is facing and the likelihood he will have to be put to sleep in the coming days. It’s devastating and the fact that there may have been a different outcome if he was able to get all the testing in the world without financial issues is something I’m going to be thinking about forever, which is the reason pet insurance is so vital for any animals we own. There are so many other insurance companies that will do better and care for your pets and nationwide isn’t one of them ♥️

Location: Washington State I’m dealing with a housing situation that has gotten increasingly serious, and I could use advice on whether I have a legal case and what my next steps should be. I don’t qualify for free legal aid, but I also can’t afford to hire a lawyer outright. I’ve already spoken with the Tenants Union of Washington State, who suggested I update my complaint with the city’s code enforcement office on Monday because the situation has escalated significantly since I first reported it. They also mentioned I might be entitled to compensation that my landlord isn’t disclosing (either intentionally or not). I’m wondering if I should wait to hear from code enforcement again or if I need to start pursuing legal representation now. My story begins at the start of the new year. On January 6, I submitted a service request because the floor in my entryway was visibly warped and I was having trouble closing my front door. On January 8, maintenance came out, removed the weather stripping from the bottom of the door, and marked the request as complete even though no inspection was done and the root issue wasn’t addressed. At that point, I figured I had at least documented the damage in case they tried to blame me later, but I had no idea how bad things were about to get. On March 26, I submitted another repair request because there was now visible water damage and possible mold along the baseboards next to my front door, along with the floorboards becoming even more warped. In my bathroom, there was a significant colony of black, furry mold that had grown between the wall and a small stepstool I had propped up against it. I had also noticed that there were "blisters" in the paint on the walls in the hallway leading up to my apartment where water had obviously started to pool. Maintenance showed up the next day, told me they would "call someone," and once again closed the ticket without fixing or really even looking at anything. On March 29, I went into the leasing office to speak with someone in person because I felt like the issue was not being addressed properly and I wanted some answers. I explained the problem to the leasing agent and he asked me to send him an email describing the issue (which I did) and that I should open yet another repair request for the issue (which I also did.) On April 1, the maintenance person showed up again. This time, he brought a pipe wrench and literally tried to hammer down the warped floorboards (no joke). Then he sprayed two sprays of mold inhibitor on the wall next to the front door “just in case.” That afternoon, I was told that a water restoration company would be out the next day to inspect the unit. The water restoration company came first thing on April 2, while I was still in bed. They found significant moisture behind the walls and suspected the presence of mold. The property manager came by a few minutes before noon, took photos, and informed me that my apartment was currently uninhabitable. He told me to file a claim with my renter’s insurance for a hotel. I work from home and was in the middle of my work day when he told me that the water restoration company would be arriving shortly to start dismantling my bathroom to start looking for the cause of the leak. I ended up making a claim with my renter's insurance (even though I believe property management is responsible for the cost of temporary housing) but without a statement of cause, my insurance wouldn't help me find a place to stay so I had to make arrangements on my own for myself and my dog. I'm currently staying in a hotel down the street from my apartment building that is being charged to my credit card. On April 3, the leasing manager called me to inform me that my apartment is unlivable and they have no timeline for repairs, so I have the option to either break my lease with no penalty or move into another unit (with them paying the moving costs). I asked him to send the offer via email because I needed a written record of the offer before I would even consider anything. He sent me an email the next day (April 4) briefly outlining my two options: either I transfer to another one-bedroom unit in the building at my current rental rate, or I break my lease with no penalties. That’s it. He didn't even include the offer to cover moving expenses to the new unit. I'm stuck in a frustrating situation with no real solutions. My renter's insurance isn’t covering my hotel costs because they won’t pay without a statement of cause, which I still don’t have. Even if they do cover it, I’ll still be out $250 because of my deductible. I expect the property management company to take responsibility for that since the damage was caused by their neglect. The options they’ve offered don’t even begin to address the full scope of the inconvenience and stress I’m dealing with. There’s no mention of covering the moving costs, or even offering rent relief for the time I’ve been displaced. Neither of these options account for the impact this situation has had on me and my dog. What should I be doing next? I’ve already filed a complaint with the city’s code enforcement office and plan to follow up on Monday, but I’m not sure if I should be waiting for them or moving ahead with other options, including legal advice. I know I can’t afford to hire a lawyer outright, but I also feel like I’m being jerked around by the property management company and my renter's insurance. Any advice on what steps I should take next?

This past Sunday, while watching a movie at a theater, someone ran over brand new my motorcycle in the parking lot. Thankfully the person who did, told an employee and waited for me. He gave me all of his information. I filled a claim with his insurance, The Hartford and am a little worried about it now. Within a day of filing the claim, they have switched the adjuster and the new adjuster told me, “honestly, I don’t know. I’m not going to ghost you…” when I asked for a timeline on them getting back to me. Are they just going to give me the run around?