I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

I was with progressive and I stopped being with them after an accident happened that I was put at fault, even though I wasn’t. Due to my lack of knowledge of how to even report an accident. After I paid my final bill from progressive they issued me another fee and so I didn’t pay it and now it’s affecting my credit which I want to get the claim off, but I don’t know how to explain that I was charge additionally for something that I honestly don’t know what the fee is for.

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

Question about marketplace insurance vs. private. My husband and I are partners in our own business so we got on a family marketplace plan this year after much due diligence on my part to ensure our providers were in network. We found out the hard way that just because some hospitals in a health network are covered, doesn't mean all are covered. This was upsetting to us because having both worked for the large health networks around us, we know where you go for procedures matters. I did a search of all marketplace plans for the 2 hospitals we prefer and NONE are in network. I got an email recently from an insurance broker who quoted me a price for Anthem BCBS that is a few hundred dollars cheaper a month than our marketplace plan including subsidies. There is a small deductible that I don't have with the marketplace plan and some limits on how often we can utilize a service but this would be OK with me if we could go to the hospitals we prefer. I'm also worried the healthcare subsidies will go away next year so finding a cheaper plan puts me a bit at ease. Is there anything I need to be super aware of with private plans? I'm curious how a private plan could be cheaper than a marketplace plan which is what is making me wonder if it's too good to be true. Thanks for any insight you can give!

I've been with State Farm for several years, but almost 3 years ago we had a series of accidents that we're not our fault, but were caused by phantom drivers or road hazards. Last summer, I was at fault in backing into a car bumper. My agent says the underwriter's are cancelling because they've paid out over $100k. Kinda late, don't ya think! We've been almost 2 years without anything major - the bumper was less than $2k. My credit is not that great. I see a lot of aggregators that will give you quotes for multiple insurance companies. What's the best way to get insurance at a reasonable cost? I'm over 60 sand in a domestic partnership.

I work for an employer that does Cigna healthcare with three tiers, but the costs for all three plans are similar to the three tiers that Blue Cross Blue Shield offers on the open market. I currently have a premium plan with BCBS for ~$1400/month and my employer’s premium plan is also ~$1400/month. How do companies get away with “offering” healthcare insurance that isn’t subsidized at all? This seems very disingenuous

I have Lemonade and they denied my claim because the covered illness was “discounted” on my invoice showing nothing due. I have a care plan through my vet that I’m paying $150 a month for. I submitted a claim for the exam and testing that my dog received which was included in my care plan. Am I wrong for expecting Lemonade to reimburse for this? Even though the invoice shows no charges, it’s only because I’ve been paying in advance with my care plan. I’ve had pet insurance before (24 Hour Pet Watch) and they reimbursed me for things that were included in my vets care plan. I see nothing in my policy that states they don’t reimburse what your care plan covers. They told me their “guidelines” say it will not be paid. I’m thinking about filing a complaint and canceling my policies with them.

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?