I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

Has anyone subscribed to a Metlife cat insurance lately and selected the preventive care plan (375/575)? Are the individual limits (dental, Microchip, etc)clearly outlined in the policy packet? I bought a plan for my cat in March 2024, and there was no such limit (so the preventive care limit for a dental cleaning was the same as the original policy limit). I guess they were the only one to do that and they aligned with most other insurances.

I had horrible customer service experiences with United Healthcare this past week. Horrible enough that I want to send a complaint to the appropriate people. I have unsuccessfully searched all over for an email address - I can't stand the thought of another phone call with them. Does anyone know the email address?

Age: 37 State: Ohio In December of last year, I was recommended to get a colonoscopy due to family history. When I spoke with the specialist doctor, he said that "since you'll be under (anesthetics), we could also do an EGD." He then asked if I ever get heartburn, and I said sure but it was infrequent and I knew the triggers and how to take care of it, but if, like the colonoscopy, my insurance completely covered it and I wouldn't be paying, I'd be okay with that. He said sure, they could do that. Fast forward a month later and the hospital is charging me because they submitted the EGD as diagnostic. So the doctor ignored the condition under which I agreed to the procedure. I've been fighting this ever since then. The hospital investigated and since they don't keep audio with the cameras, and don't have call logs (the doctor's assistant called me a few days beforehand and said they convinced my insurance to cover the EGD, and I confirmed with her that I wouldn't have to pay for it), they're refusing to do anything about it. The bill is about $1,900. I've filed a complaint/appeal with my insurance, but that takes up to 60 days, and is still going through the process (I had called them the day before the procedure and confirmed it's "covered," and the CSR said yes, she sees that that's been approved). I e-mailed the state department of health, talked with the state hospital association (they have no legal authority and can't do anything), filed with the BBB, filed with the state attorney general, filed with the Centers for Medicare and Medicaid, sent my story to the local newspaper, left a Google review, and am waiting to hear back from the state insurance department (they can't do anything until my insurance appeal gets resolved). My last option is to sue them in small claims court. The lawyers in my area said they don't handle cases like mine. What umbrella term would this fall under? Misrepresentation / promissory estoppel? The only lawyer who agreed to a consultation said it's better to go after the insurance company, but I don't see this as their fault. I can also call the hospital and negotiate a lower repayment, but I'm angry I have to pay anything at all when a promise was made to me that I wouldn't owe anything. Is this something I just have to bite the bullet on? Edit: Thank you to the 20% of people who explained what the hospital staff should have explained to me, gave me options to pursue, and ideas on how to protect myself in the future. The rest of you, I hope you understand that the vast majority of people don't work in this industry, and blaming the victim of a convoluted and broken system is real shitty.

Location: Texas On mid February of this year our truck randomly started being noisy, we immediately took it to a shop, they told us the issue and that if it had a warranty we would be fine. It did have a warranty and we immediately contacted them and dropped off the truck in a certified shop. The shop then dealt with the warranty and the claim was officially filed on March 5th (we were told this by the warranty company) today we call for an update and get told they can no longer do anything since the warranty expired on March 30th. We think they purposely let time run out. Has anyone dealt with something similar?

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!

I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

They just randomly started denying chemo treatments for my dog after covering them for a period of time. Told us to contact the state with our complaint. Absolutely insane

Hello. In December 2024 I enrolled in health insurance with United Health care through my employer during open enrollment. Benefits were to begin 1/1/2025 and my premium was to be $54.44. I noticed on my recent paycheck that my premium had more than doubled. I never received notice of this premium increase and only realized it had happened because my paycheck was smaller. I called them and they said the increase was because they "recalculated my information and saw an adjustment was needed." I demanded they cancel my plan, as I had not agreed to this premium. They said I wasn't allowed to cancel until the next open enrollment period with my employer in December 2025. They said they would open an appeal on my behalf and created a ticket, but I’m doubtful it’s going to make a difference, they will likely just reiterate what they already said and not allow me any recourse. Are they allowed to do this? Do I have any options in this situation or do I just have to accept that they can charge me whatever they like throughout the course of the year? I was not aware rates could change mid-policy like this. I am 48 and healthy. I have a nearly $10,000 deductible, and don’t go to the doctor for anything outside of my yearly checkup because I cannot afford to pay for anything out of pocket. I’ve also stopped taking prescribed medication because I don’t want to pay for that out of pocket either, and I can get by without it. It’s crazy to me they’re allowed to do this. Apologies in advance if I have posted in the wrong place.