Hey everyone, I'm currently living in CA and am on an Anthem Select HMO through my employer - my entire family (wife, daughter, me) are covered under this plan. My wife is currently pregnant with #2 due in September. However, my family will be moving to Pennsylvania in a couple months, and I will likely be staying with my same employer/plan (this is still to be confirmed but seems like it'll be the case). However, the Anthem Select HMO does not have coverage in the area we will be moving to, but the company also offers PPO options that do have coverage in the new area. Will moving across the country, at which point my coverage would essentially be lost, count as a qualifying life event and allow us to switch to the PPO coverage? I tried to reach out to the insurance company, but they said they can't make that determination. Is it a state requirement that determines it? If so, would it be CA state or PA state that would take precedence? I'm waiting to explore further with my company until it's for sure that I'll be staying with this employer as we're kind of keeping it on the hush-hush until it's official. Curious on your guys thoughts.

My dog is currently 4 years and his Petsbest policy is due for renewal in 2 months. He is turning 5 in 2 weeks. The premium will be increased by 70% at renewal (from $340 increased to $599 per year). I checked with a new email address and I think if I get a rewrite before his birthday the premium will be about the same price as I am paying now (i.e. $340, and that's about $250/year savings). If I do the rewrite after he turns 5 the new premium would be $426, still cheaper than the offered renewal rate of $599. My dog is healthy and there has been no claims since 2021 other than wellness claims so I suppose there is no preexisting conditions. I am only a bit worried about the 6 months waiting period for ligament injury if I were to request for a rewrite. I am thinking about also getting an accident-only insurance from Spot during the waiting period to cover that risk. Has anyone done a rewrite before? If this is workable, is it a good idea to get a rewrite or consider switching every year before his birthday if the premium increases insanely, so long as my dog has not developed any preexisting conditions then?

I’m in shambles. A surgery out of network I was approved actually late last year is somehow now denied in network now? And the record of approval is nowhere to be found?? Literally saw it three weeks ago. I want to make sure this appeal hits the ball out of the park with all necessary info but it’s such an uphill mountain and I was so happy for a month and a half excitedly waiting for my surgery next month. Please help.

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

So this is a bit long and involved. I’m a 25M who just moved back home to take over a family business after a family member was diagnosed with Alzheimer’s. We have a block of commercial units we rent out, most of them under one roof, and two units disconnected from the main building. In total we have about 75,000 SF of commercial retail space. Problem is when the landlord has Alzheimer’s they forget to do important things like carrying insurance on the main building with 65,000 SF. So I went to the insurance agency we’ve always went through for literally everything commercial or otherwise. They insisted for two months that I had coverage on all the properties (unfortunately I don’t have that in writing) despite being unable to provide a bill or declarations listing the units. It took me ambushing the agent at the office an hour away and showing her a map of the property for her to understand that despite the disconnected units being covered, the main building and parking lot carried no coverage. She had never even audited the property or looked at it on maps nor visited it. She finally says she’ll get working on adding the main units to the policy, and today she emails me right before she leaves to tell me there is no way possible for auto-owners to cover us as we have two restaurants on the property (my gf used to work as a receptionist at a different agency auto-owners does do commercial coverage for restaurants in my area). So now I’m stuck here with no insurance on a multimillion dollar lot because I get the feeling the agent doesn’t feel like rewriting the policy. All of my families coverage for everything is through this agency and auto-owners but the agency is incompetent at the very least and it’s evident I need to switch agencies at least. The only experience I have with insurance prior to this is renters insurance and personal auto, I’m really at a loss for where to start or what I should be switching around. Any advice or guidance is appreciated.

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

I just had my first mammogram (just turned 40). My breast are extremely dense. Otherwise, normal/negative mammogram. I did the ABUS and now they want me to come back for additional ultrasound due to artifact versus true mass. At this point, I don’t really trust the ultrasound because of how dense my breasts are. The ultrasound lady kinda laughed at how white the screen was after she did the imaging. So here is my question: has anyone with extremely dense breasts ever gotten a screening mri of breast covered for extremely dense breasts? Not really counting on being able to do it as a screening test at this point because I’m probably now only able to diagnostic tests due to the ABUS findings. Asking for future testing mostly. I called BCBS and they were useless. I asked “if I have extremely dense breasts and my doctor puts that as the ICD:10 for a screening mri of breast will it be covered?” It lists screening mri of breasts as covered on my EOB. The lady on the phone couldn’t answer me. Appreciate any insight. Thank you!

Got into a car accident last year (rear-ended). Sent a demand letter to Farmers Insurance asking for: * **$4,523** in gross medical expenses (I attached the detailed reports/receipts for them) * **$33,000** for pain and suffering * **$6,295** for diminished value (they said this will be handled separately) Yesterday, they offered **$7,823** for my bodily injury claim. Seems like they’re barely covering my medical bills and throwing in a small amount for pain and suffering (10% of what I requested). Should I counter? If so, should I slightly lower my initial demand (say $25K for pain and suffering) to show I’m negotiating in good faith, or should I stay firm on the original amount? Has anyone been through this process without an attorney and successfully negotiated a higher payout? Btw, when my vehicle was in the shop, I gave the shop the insurance's contact info and the insurance paid the shop. Looking for advice on next steps before I respond. Any input is appreciated!

After years of paying for Trupanion premiums, with hardly any claim at all (only a small amount for thyroid pills) this company blindsided me with an increase in premium, $70 to $118!, a $48 increase/month! They offered a lot of mumbo-jumbo about cost increases in our area. Well we pay for the routine care and it hasn't gone up, maybe minimally but nothing warranting that kind of increase. Now our dog is old so I won't be able to get any other insurance so I'm stuck with them. But we will be moving our younger dog out of that company ASAP. Just warning you all about this company, no loyalty to long time customers.

I live and work in California for reference. I left my job to seek treatment for substance use disorder and Kaiser is claiming that they cannot excuse me since I did not participate in their outpatient program. I met with a doctor every week and he prescribed me medication to detox at home from fentanyl and methamphetamine. However they claim that this is not considered to be under a doctor's care and will not sign documentation for those dates. Over the course of 28 days I detoxed three times and relapsed three times before they sent me to a third party inpatient program. I am new to the Kaiser program as of this year and they recommended I go through their detox at home and outpatient program instead of directly to inpatient in spite of my long history of substance abuse and my multiple stays at detox facilities and residential facilities. Currently I am unprotected for these 28 days but I am wondering if this is legal?