Hi all, I'm leaving my current job and I have another position that pays higher than where I'm at right now, but no employee health plan. I'm in CA. Right now I'm looking at marketplace plans for my spouse (33M) and I (31F). We don't use much when it comes to health care. A few random visits here and there, I take a few daily mental health meds but that's it. However, we do want to start a family in the next year so I'm trying to keep that in mind. I've always been on an employer PPO, so that's what I'm used to. My top options currently are Blue Shield of CA PPO, or Kaiser Gold HMO. From what I've seen blue shield is one of the few companies that will offer PPO on the marketplace. I've looked at some of the cheaper plans through multiple companies but since most of them have coinsurance, I worry I could rack up quite a bit if I were to get pregnant/deliver. We earn too much to qualify for financial help/ACA plans as well. Here's my question - how much does Kaiser's HMO plans differ from their PPO? Is it really a big difference since it's all in one system? I know there are issues with Kaiser and it seems people either love it or hate it. But it seems like their HMO plan is cheaper with better coverage (particularly for maternity) than a similar PPO through blue shield. Anything I'm missing here? Any advise or prior experiences would be helpful.

Our pet insurance (ASPCA) for our 7yo pit mix is up for renewal in May and they're raising his monthly premium by 30% ($75->$100) so I'm looking to shop around. What pet insurance do y'all have and do you like it? I've looked at a handful of quotes (Pets best, Figo, Trupanion, Nationwide) and they are all around the same price as ASPCA or higher, except for Lemonade (quoted at $81/mo). His current coverage and what I'm quoting with other companies is; $5,000 limit, 90% reimbursement, $250 deductible, wellness/routine coverage. Thanks!

Alright here we go. So July forth I was going down a back road (rainy) as I cut the corner I see this Tahoe coming at me at a 90 degree angle (she lost control) and just smashes into me. I didn’t have insurance on this car I had it’s one of my cars I don’t drive often, but with all the pictures and you can clearly see it’s her fault farmers insurance is still denying that’s it her fault I’m at total loss of words (no dash cam) I’m not going down without a fight or a payout so I’m consulting a injury lawyer but is this how it really goes? The pictures her car is just layed smashed into my car and they say it wasent her fault?

Hello! First time posting in this sub, I think this type of post is allowed. Long story short, I purchased an auto policy through Geico in mid-July for a car I am being gifted. I realized the next day that I wasn't going to be able to take ownership for 3-4 weeks and ended up calling to cancel the policy. I called back today to restart the policy and they are quoting me $400+ more for exactly the same policy. Did I completely screw myself here? I told the agent I was going to shop around, which I am happy to do, but... what a pain. Is there a strategy I can use to have Geico honor the original quote? Thank you in advance!!

I am due to give birth end of May. The hospital that my obgyn is partnered/contracted with is where I went on 03/01 because I had a pregnancy scare. I went straight to Labor & Delivery and was there for a couple of hours. The on-call obgyn is the one that saw me. I have NOT received a bill yet, only an EOB from my primary insurance, stating that the claim was denied. In the EOB- it was stating that the hospital is an out of network facility. However, I’ve spoken to my insurance directly few different times who said the hospital that I went to indeed is an IN-NETWORK facility. Now the last agent I’ve spoken to today told me “address where the service was rendered is confirmed to be outside the network for the facility. Here is what adoress of the facility showing on the claim” and it’s a complete different address than the hospital I went to, like in a whole different state. The first agent that I spoke a couple weeks ago stated the claim type says “outpatient hospital non contracting”. The last time I tried contacting the hospital themselves, the agent was saying I need a bill/statement account number, which I didn’t and still don’t have because I was never sent a bill as of today and he said to wait until I get a bill. It’s been over a month and I still haven’t received a bill from the hospital from when I went to 03/01. I was going to explain my situation and how I still haven’t received a bill but the billing office is now closed. I do have secondary insurance but they didn’t even receive a claim from hospital, which I am assuming they didn’t even bill my secondary. I’m just so confused and overwhelmed! Does this sound like the hospital submitted the claim incorrectly?

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.

On June 10th I was rear ended while stopped at a red light by a woman who was texting. She got out and immediately admitted fault and the incident was caught on my dashcam. Now, two months and ~$20k worth of repairs later, I have my car back. I drive a 2024 Kia Sportage, roughly 18.5k miles on it, top of the line trim package. Prior to the accident the car was in perfect condition. Geico (her insurance provider) has offered me $5k in diminished value. Is this worth even bothering with negotiation, or does the little guy always lose?

I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc. I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records? Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?

I don’t know if this is the right flair, so I apologize if it isn’t. I’m 26F living in Florida. This is my first time trying to navigate health insurance, so my parents helped me find a plan that would let me keep my doctors and cover my prescriptions (major ones being my neurologist and migraine prescriptions, which are only brand-name). My pharmacy called and said they needed one my prescriptions authorized, so I called my neurologist’s office to have them authorize it. My insurance just took effect this month, so I was also going to update it with the office. We did a search on the Aetna CVS Health portal and my doctor was listed as being in-network, but I was informed that they aren’t. They take Aetna, just not my policy. Because they’re not in-network, they can process the authorization. I guess the online portal isn’t accurate… or maybe something is lost in translation? Is there a definitive way to find providers that will take my insurance? Does anyone else even have any experience with the policy in general?