I have a senior cat who just turned 14. I had him since 1 year, and always had Banfield, thinking that was the insurance. (To make me feel less bad, pet insurance wasn't a thing back then :( so please don't blame me too much.) My other cat who was 14, passed away recently, and all the bills left me in burden. So I heard about the insurance, and was trying to sign up for my other one, but I've also heard about insurance nightmare stories. I'm now really worried that they would just deny everything, saying it was a pre-existing condition. I would truly truly appreciate if there is a way to ensure coverage based on my current situation: * Everything is recorded in Banfield, where I took him regularly for his routine checkup since I brought him home. * My cat is chonky (24 lbs) * Already had asthma when I brought him as a kitten (but it wasn't severe and got better so no treatment was given) * Last October, the doctor said he has heart murmur 3/6 and put that in the note * They also noted he has a tartar on his teeth (would that make any dental related disease claim denied?) My biggest concern is the heart murmur... would they just deny everything heart related? Any tips and advice would truly be appreciated. Thank you so so much.

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!

I submitted a property claim months ago (homesite, Colorado) and it has been agonizing with many moving parts. Most recently, the work is done but the restoration piece, which is covered, has not been paid out so I am missing floor, walls, toilet is in the tub, furniture is all over the place, etc. it has been like this for over a month. The challenge is that my adjuster had to send the claim out to a third party, and the third party can not talk to me directly. They have even told the company doing the work on my house to stop forwarding and ccing me on emails from them. So every time I call my adjuster (the one with my insurance company), he is kind of unsure where they are in the process because he is not them, basically. But then if I check in with the contractors, they haven’t even heard from either adjuster. I am wondering if this is normal and if there is anything I can do to get clear answers from someone. It has been very “he said- she said” games or telephone for weeks and I just want my stuff fixed.

I was rear ended at a dead stop and it caused $13k of damage. I have a Hyundai Palisade with only 9.5K miles on it. Allstate accepted fault, but they are denying my claim for loss of value. They are saying since my Palisade was in an accident (also rear ended) three years ago ($17K damage in that one) that there would be no additional loss of value. I find it hard to believe the second accident would diminish the value of my car by ZERO. What are my options here? Thanks in advance!

I own four vehicles. They’re all older and there are frequent repairs, so I rotate through them. My 24-year-old son also rotates through them, but mostly uses only one of them. We own that vehicle together. Both our names are on the title. He rents an apartment in a different city an hour from me. My name is on his lease as they would not rent to him without having much rental history. He was required to have renter’s insurance, so as one of the renters, my name is also on the renter’s insurance policy. My auto insurance company just notified me that my policy will be canceled because “Not all vehicles are regularly garaged at your household. Therefore, this risk is unacceptable and we cannot continue your policy.” My question is, is there any point in me arguing with them? I rent the property so why can’t I keep one of my vehicles there? It’s in the same state, only an hour away. What do people do who have college students who are away at school? What do people do who own multiple properties and keep vehicles at both of them? Is there anything I can do or should I start looking for a different company? Are there any companies that allow multiple garages? Thank you for any help. *Edit* my son‘s permanent address is my home address, if that matters.

I have not enrolled in Trupanion but I am interested in them because of their direct pay options.. however I was chatting with an agent and I asked about prior history of colds or ear infections and she said that would be a pre-existing condition. She said it also depends on the record review. I asked for a contact to review my records and she said that can only be done after enrolling. I asked for a compliance department contact, and she said that isn't available for members. Can someone give me any insight to any of these statements? I'm getting different responses when I speak with different agents.

I’m a mechanic and I was test driving a customers vehicle which belonged to a Tree Service company. I pulled out in front of a DHL van and she t boned me. Police were called and a report was filed. Now, I received a letter from Sedgwick saying they reviewed MY claim on the DHL account and denied it. I never filed a claim nor did I give the police my insurance, they wanted the tree service insurance, but I did give them my license. I don’t know if the tree service filed a claim, but why would they send me a letter? Should I respond to this? Is this a scam?

Hey, Reddit - hoping someone can help me with a direction to take regarding my issue. Location: Houston, Texas Back in early 2023, I found out via an alert from my bank that my credit score worsened because a lender has been trying to reach me. I panicked because 1. I have thankfully never needed any loans and 2. I normally have a great credit score. I did some investigating and found out that apparently, an education loan had been opened in my name only about six months prior in a completely different state (Albuquerque, New Mexico). I live in Houston, Texas and the loan was opened for a community college in Albuquerque. For backstory, I graduated from college over 10 years ago and I’m thankful to say that I never needed any loans to get through any of my schooling. I did everything I could to fight this loan over the last two years since discovering it. I reached out to the lender (Mohela) and explained my situation in detail, filled out a large packet that they requested to dispute the loan and prove my identity with several various supplemental documents in my possession to help support my case. This was mailed to them ASAP and is STILL under review 2 years later. I filed a police report with my local police station and they even spoke to the Albuquerque police department to warn them of the identity theft and to give them the local Albuquerque home address that was wrongly associated with my name. I corrected all incorrect contact information associated with the loan and with all three credit reporting bureaus, and immediately froze my credit across all three. I flagged any mention of the loan across all three credit bureaus as fraud and to dispute it. I have provided all three credit bureaus with supporting documentation to prove my identity along with the police report. I even called the community college in Albuquerque and spoke to several people there, asked them to close the promissory note for the loan since it was due to identity theft. I sent them my police report as well. I filed a report on [identitytheft.gov](http://identitytheft.gov/). I have called the lender every few months, have to explain my situation all over again to whatever agent I get connected with, why I won’t be making payments on this loan, and continue to ask for a forbearance on my account while my case continues to be reviewed and hopefully dismissed in the near future. Despite all of this, even two years later, the loan still appears on my credit reports because it is still being reviewed and has not yet been dismissed. I am at my wits end and am now thinking I need to hire a lawyer to help me fight this, but I have no idea what type of lawyer and how to even find someone who can help me. I also have no idea how much it would cost. If anyone can offer any advice on the best direction I can take, I would greatly appreciate it.

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?