Anyone familiar with this? Or the MassHealth system in general? I am behind befuddled here. Received notices over the weekend that my children’s MassHealth Standard was downgraded to MassHealth Family Assistance. Mine stayed the same. Dads was terminated. We are not married. Dad goes through the VA and does not need health insurance. He is 100% disabled through the VA but still employable ‘outside his field’. The kids have been on MassHealth for at least 7 years now. Dad got a job last year, we reported the income, nothing changed except for his no longer needing health insurance as he didn’t realize the VA was sufficient (we are required to carry health insurance in Massachusetts). I received these letters this weekend and cannot get a live person on the phone. I don’t know if I need to find the kids a new health plan or not. The letter is not clear, at all, as to what my next steps are and coverage ‘ends’ from MassHealth Standard on this coming Saturday. One of my children was born with several medical conditions and we pretty much live at the doctor/specialist. If anyone had any guidance or advice I’d gladly take it!

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!

Attaching the response(s) from Healthy Paws' CEO and team, including mine back. You can't make this stuff up.... Original context: Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Oh- and they limited comments on their Instagram after I have been posting this increase there too.

Couple of questions if I may... I recently used Goosehead to get home and car insurance. They said that AMWINS would be best for homeowners insurance. Has anyone heard of AMWINS? Are they any good? Anyone had any claims with them? Also, I just received a notice of a rescind of cancel notification from both of them. I never received notice of cancellation and that is concerning to me. They stated that the original reason was "underwriting". It does state that there was no laps in coverage. I will call them later today but I was wondering if anyone could shed some light on this as to what happened. I live in DFW and the house is paid off if that means anything.

UPDATE: I called this morning and apparently the post authorization did get approved without my knowing and without updating in my online portal. It's still showing online that I owe the full amount but the employee I spoke with said to ignore those charges and wait for a bill in the corrected amount of $333.87 which is much more palatable. Major thank you for everyone's input!! It was late and I was getting very anxious about it, I seriously appreciate everyone's comments. Hopefully there won't be any more mishaps and I know better moving forward to make sure preauth gets sent. Recently I had a colonoscopy at the suggestion/request of a gastroenterologist for issues I've been having. This was my first time having any kind of outpatient procedure and my first time dealing with marketplace health insurance (United Healthcare) on my own. I did not know that prior authorization was a requirement for this procedure. Prior to scheduling the procedure I spoke with UHC about coverage and was told I'd only be charged the copay because it was in network. After the procedure I found out the medical office and hospital failed to request authorization and did the procedure anyway, now I'm being charged $5,000+ for the colonoscopy because of it. I didn't know I needed authorization and moreover it was the medical facility's responsibility to get that, and NOT perform the procedure unless it was granted. Am I mistaken? Has this happened to anyone else? What are my options? I've already called the medical facility to submit a post-authorization appeal but it seems to be denied as well. I'm at a loss and feel entirely screwed over, would love some advice!

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

We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

I’ve been a loyal Healthy Paws customer for 13 and a half years—since the day I brought my puppy Bellah home. Over the years, I’ve paid thousands of dollars into this policy with the trust and belief that when the time came—especially in her final stages of life—Healthy Paws would be there for us. Instead, with no prior notice, Bellah’s monthly premium has been raised from $250 to nearly $800. At nearly 14 years old, with limited time left, my dog is being priced out of her coverage when she needs it most. I’ve called. I’ve waited. I’ve been hung up on. I’ve sat on hold for hours, only to speak to customer service reps who are either powerless or unwilling to help. Not a single person has shown any compassion or even attempted to work with me. I wasn’t expecting a miracle—but I did expect humanity. Bellah is not just a pet—she is family. And now, in what should be her most peaceful time, she is being made into a financial burden. After over a decade of loyalty, this is the treatment we’ve received: silence, indifference, and a quadrupled premium. Healthy Paws, this is not how we honor the animals who have given us their unconditional love. This is not dignity. This is not care. This is not right.

Hey folks, I’m dealing with a frustrating situation involving my apartment’s property management and my insurance company, and I could really use some advice. There was a minor fire accident in my apartment, and the total bill is under $5,000. My renter’s insurance is willing to cover the cost, but they require the property management to sign a release form. The problem is, the property management’s legal team wants to make edits to the form, but my insurance company’s legal team won’t allow any modifications. So now I’m stuck in this deadlock where: • My insurance won’t pay without the signed release form. • The property management won’t sign it unless they can edit it. • My insurance won’t accept any edits. I feel like I’m caught in the middle with no way to move forward. Has anyone dealt with something similar? Any suggestions on how to break this stalemate? I just want to get this resolved without it dragging on forever. Would appreciate any insights!

Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.