I had a fsa in 2024.. before the plan expired I submitted two big expenses that were “authorized”.. however, money never got deposited to my account. Now they are saying the claim was valid but the amount was paid toward “unverified” receipts. Now that the plan year is closed they are refusing for me to submit receipts. The claims that were “unverified” were hospitals and doctors. Is this normal? Anything I can do? This is over $1200 in lost money

Hi I’m an international student currently in the U.S. on a STEM OPT extension. Recently, I was admitted to the hospital due to severe pain, which turned out to be a kidney stone. I had to undergo surgery, and now I’ve been hit with a $50,000 medical bill. I have ISO insurance, but they’re refusing to cover the charges, saying it’s a pre-existing condition—even though this was the first time I ever experienced it and didn’t know about it before. As a student, I don’t have a high income, and this amount is overwhelming for me. I’m looking for any advice or guidance on what I can do to get help with this bill—whether it’s negotiating with the hospital, financial aid, or any legal options. Any direction would mean a lot right now. Thank you so much.

Hey everyone, I had a question regarding auto insurance with Progressive. They sent me a memo via email and asked me to call them about folks under the same roof as me not under my insurance. I called them and explained that I declined coverage for all my family members under my roof, for the have their own insurance. They said I still need to "pay" to have them declined under my coverage. I asked the girl over the phone why I need to pay to decline them coverage on my policy. She said it's in case they're passengers. So let me get this straight, they want me to pay $93+ to state all my parents and siblings are declined on my policy? Even though NO ONE drives my vehicle. Is this legal? They said they're mailing me a document via mail for me to sign and get back to them to continue coverage.

Hi all, I’m not sure if this is the appropriate place to put this but I’m at my wits end. I (27, F, England) decided to buy Sabrina carpenter tickets via viagogo as I didn’t manage on Ticketmaster. I had my first suspicion as it charged me with HK yen and not GBP, but viagogo assured me that it was all legit and if not I’ll get my money back. Fast forward to last week, I start a new place and forgot to ask for time off for the gig. So I decide to sell the tickets (even tho I don’t have them yet, apparently they’ll be coming on the day of the gig) and someone decided to get them a few hours after I listed them. Imagine my surprise when I woke up today and see an email from Viagogo saying that if I don’t put the tickets up by tomorrow evening, they’ll be charging me all the money (that I do not currently have) and not the original seller I bought them from? And apparently the original seller is still telling me the tickets will come on the gig day? Why am I getting pressured to send tickets I do not have earlier than what I’m getting the tickets? What can I do if they decide to do this? Can I talk to my bank and issue a refund? Can I take them to the police for pretty much stealing my money? I need help.

I’m so frustrated, I have a shih tzu 13 years old who doesn’t have any major problems, other than a collapse trachea and anxiety. But nationwide made my payment $300/month. How am I going to afford this?!

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

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

Bear with me as I’m a bit new to car insurance renewals, (this is my first car)! 😭 I have Geico So my renewal date is this month and it’s stated in email that the amount due is $353… my regularly scheduled amount paid a month is $240. I wasn’t sure if the $353 was just a renewal fee for now and after paying I would go back to paying $240 OR if the $353 was my new monthly payment. I didn’t want to wait and find out so I went to my Geico app and had a chat with a representative. I asked and was told: “I really appreciate your patience here! Okay, so the reason for the double payment you are seeing is because, although this plan does not require autopay, it does require you to be paid ahead. Since you were no longer enrolled into autopay your payment planned switch over to this plan at your renewal. If you were to decide to reenroll; your payments would all, be $237.28 monthly. But you'd need to make the payment of $237.28 on or before August 19th to be eligible. Once you do, you'll have the option to enroll and switch back over to the regular monthly plan.” This confused me because in email it says I owe $353 so I feel obligated to pay that and not ignore it. To confirm I asked them to clarify and was told to do exactly that. Ignore it and it will adjust. I responded: No problem. So sorry but l'm a bit confused because it says I owe $353 by the 19th... so do you mean I pay that and it goes down to $237? Or just ignore that and pay $237 on or before the 19th? they responded: “Correct, that is going to show this way since you're on the payment plan that requires you to be billed ahead. You pay the $237 and once you do, the billing will adjust when you enroll back into autopay and switch over to the regular monthly plan. Yep, you got it! Ignore that and it will adjust automatically once you enroll again.” I went ahead and enrolled in auto pay and it adjusted my payments to $260 after paying the $353…I’m guessing it’s because I have to pay the $237 first and then enroll in autopay? I don’t know, I’m so confused… I’m thinking of calling instead of doing an online chat just to protect myself from the madness. It doesn’t feel right because it feels like I’m ignoring my bill especially since I didn’t even know I’d be paying a little less than my usual unless I spoke to a representative. Feels like a cheat code in a sense lol… Lastly, I JUST realized that it was showing me the $260 as an updated payment (after the $353) the entire time on the email. I was just so in a rush. I’m all over the place, sorry lol… but that doesn’t change what the representative said so I’m still stumped.

My dog is 10 years old (small mix 21 lbs) and we have had fetch insurance for 10 years. The premium increases yearly have been high, but this year it is ludacris. I just got an email that my premium will be increased from 1500 to 3000 this year!!! She has been pretty much a healthy dog except this past year she needed dental extractions. ideally, I wouldn’t want to change companies since she is an older age, but I cannot be paying $3000 a year. I have been looking for possibly switching insurances however, my concern is now that she is older and has had teeth removed—Is this considered a pre-existing condition? Sidenote, interestingly enough, I requested a brand new quote through fetch and they quoted $150 per month with the same coverage. Hmmm. Does anybody have recommendations for pet insurance plans?

I live in the Central/Northern Arkansas area with State Farm as my insurance provider and I am 20(M) I own two vehicles: 2009 Chevy HHR LT Panel(2.2L Ecotec) 1997 GMC Sierra SLE(5.7L Vortec w/ 4L60E) Both of my vehicles are covered under liability. I was recently rear ended on the interstate in my truck, it honestly held up pretty good, but still a decent bit of damage. An appraiser came out and said it was about $3,700 worth of damages. They then have to run a report on my truck to find the total value. From what I understand, they find a vehicle in my relative area (the two they found are in Kansas and Tennessee) and take the retail, or selling price, and use a formula to calculate the Actual Cash Value(ACV). They then look at the features on those vehicles, compare and contrast them to mine, thus raising or lowering the value of my truck with each feature, to determine how much my truck is worth. Finally got a call back, they say it’s totaled and their number is $2,959, meaning they would be buying it from me and taking it. And there’s potential that I cannot buy it back depending on whether they deem it unsafe to drive. I feel like I’m being cheated. My truck is still running and driving perfectly fine, I can tell there’s a little bit of frame damage at the rear under the bed(the truck hit my receiver and it slightly bent the frame inward). It’s very difficult to find a vehicle that not only is as reliable as my truck is, but also has the capabilities mine does. Not to mention the fact that my Great Grandfather gave me the truck, and he was the original owner. And currently my truck is also my only form of transportation because my dad and I are in the process of rebuilding the motor in my car. If I try to find a truck like mine anywhere, it’s easily double what they’re trying to pay me. Some people want $2,500 for a truck in the condition mine is in with no motor or transmission, or serious problems with one or the other. Note: Accident was a hit and run, driver at fault was not found. I was rear ended and pushed slightly into another truck. Also, for reference, I will list the prior and current conditions of my truck: Prior: 261,000 miles Dash slightly cracked Grille slightly cracked(have a new one just haven’t replaced it) Clear coat peeling and sun damaged in some areas Very minor dings/scratches Cloth seats, carpet, and headliner had minor holes, tears, and/or stains Current: 262,000(what the appraiser recorded) Dash cracked slightly more Rear bumper pushed into bed on passenger side Bed pushing into cab denting both pillars Bed now unaligned from cab slightly Driver seat leaning to the right slightly, will not recline forward or back Tailgate slightly scuffed and dented Receiver almost broke in half and bent the frame slightly Front bumper pushed backward, slightly crushing the filler panel in between the bumper and grille Very slight crease on the back passenger fender I would be perfectly fine with the $2,900 if I could just keep my truck without having to pay extra. The salvage retention fee is $811 and some change, and my deductible is $250. And still no guarantee I could get it back until I tell them to run the report. They said I could send in other comparable trucks, but it has to be “a link I can click on to see exactly what you’re seeing and include the vin number”. Doing so could potentially raise the value of my truck, but only ever so slightly from what I’ve been told, and if I were to do that, it would have to be before they tell me whether or not I’d be able to keep my truck. If y’all need more information feel free to ask, I just want some help and guidance. Another note: at the end of January the dryer in my old apartment caught fire and everything was smoke damaged. My gf and I at the time got a new apartment and then we broke up mid February, and the wreck happened at the beginning of March. I don’t know how I am holding it together.