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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
MassHealth - MassHealth Family Assistance
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!
Blue Cross Blue Shield - ACA
Do agents typically approach you?
I was approached by a woman with a tablet telling me about insurance plans and claiming she was from ACA.
She asked me if I wanted to apply to see if I were eligible and told me that I could cancel at any tome should I enroll in it.
Turns out I was eligible for a basic plan that I pay 0 dollars for.
So I am a bit skeptical about the whole thing. I have a screenshot about a confirmation on an onboard app. It has a Premier Secure number to cancel.
I’m 90% my dumbass got scammed or something.
I’ve done an enrollment with a Blue Cross Blue Shield insurance in a similar manner but I canceled that one because the mandatory doctor was an hour away.
Costco Travel - Bought tickets to Canada before things got bad. My wife is a green card holder.
Location: Tennessee
My wife (German) and I (US) bought tickets from the US to Canada with Costco Travel before things got rough. My wife still has her maiden name on her passport and my last name on her green card. We have both abided by the law and have no criminal history.
It is a bit scary seeing Germans and other EU citizens detained in such traumatic ways, and I do not want my wife going through the same process. We cannot get our money back as the insurance does not offer refunds and Costco cannot offer any refunds on anything but Air Canada flights, which must have an end destination in Canada.
Right now, I have a few options, but I would love to see what type of risk we would be taking here if we decided to go anyway. We really can’t afford to throw away that money, and it might be the risk is rather low.
1. I am contacting the German embassy to make a statement on her passport in relation to her green card.
2. I am contacting my credit card company to see if get a refund. I know some offer travel benefits and protection.
3. Get the refund for Air Canada and use those credits for visiting my wife’s family later through Canada. The downside is I would have to buy more flight tickets in a recessionary environment.
We would love to change it to a domestic trip, but is there anything I can do to get my money back or make it safer to travel to Canada and back into the US
Progressive - Is my car toast?
Someone hit my car. Air bags went off on one side and bumper poked the radiator. Bumper and hood are crumpled but it doesnt look like anything else is damaged. No broken glass, and I can see under the hood and everything else is fine. Its a 2019 but good mileage and was in perfect condition prior. Filed insurance claim. It was the other personsfaultbut of course they didnt have insurance. Realistically what is the outcome? Weve had progressive for years. No claims for atleast 5 years.
Edit: sorry 2019 Jeep Cherokee
Liberty Mutual - Who should I get insurance through?
I have Liberty Mutual I pay $364 I’m getting a new car and they want me to pay $600 any guidance on who I can try to get the new car insured through? It’s a 2021 dodge charger scatpack. i’m 24
Healthy Paws - Premium Doubled
I adopted my kitten in 2018, which is when I also signed up for Healthy Paws. The monthly premiums started at $24.57 and went up reasonably every year so it's now $43.17, but I just got a notice that premiums are doubling to $86.60 in 2 months.
I see there are many reports of insane increases, esp. in CA where I am, so I don't know if that's why or if it's bc she hit 7 years, but I thought I'd check - is $86 reasonable for her age?
The policy has been 90% w/$250 deductible. She's been pretty healthy w/only annual check-ups, so I was thinking I could change to 80% w/$500 to make it more reasonable.
State Farm - Question about Renter's Insurance
I’m moving to a new state and currently have renters’ insurance with State Farm. I filed a claim for a theft in my building a couple of months ago, where a large amount of my personal items were stolen from what was supposed to be a secure mailroom.
Last Friday, I contacted a State Farm agent in my new state to set up a policy for my next apartment. After taking the weekend to get back to me, she said she had spoken with the underwriting department and they couldn’t write me a policy because of that claim. She specifically said I couldn’t have an active claim in the last **24–36 months**.
That doesn’t make sense to me. Why would the rule be a range instead of a clear cutoff? Is this standard insurance practice, and I’m just unfamiliar with it, or did she give me incorrect info? The vague timeline feels odd, and I’m wondering if she was just making it up or if she has the information wrong. I ended up going with a different insurance company anyway, but just wondering if she was BSing
Progressive - Need advice/Help!!!
I’m currently with Prgrssive insurance I star with them about 3 years ago I’m 27yo. First car insurance with them paid $700 for 6 months the following year they bumped out the price for $850+ for 6 months and this year I got $900 for 6 months. No accident zero report at all why they kept bumping my prices? I’m from New Jersey. I’m thinking of switching insurance and your recommendation or what I need to do to pay around $700 for 6 months if possible, thank you!
United Healthcare - Type 1 diabetes/health insurance in ohio being married
I am wondering if anyone has figured out the best insurance available in ohio that is budget friendly? I use to have medicaid but they kicked me off a few months ago and ever since I've been on this healthcare marketplace insurance with united healthcare but in still struggling with paying it and living my life lol...
I have omnipod and dexcom g7 and they barely cover that... I'm also wondering if it would help to find separate insurance from my spouse? Or just to stay on the same insurance?
Progressive - Progressive nightmare
Oh where to begin. I filed a claim on progressive app on Monday got rental sorted and repair rep as they call them goes to body shop and spends four hours only to argue with body shop they feel the rear door is “repairable” when this is hardest hit part of my claim and literally metal chunks missing out of door but they’re agreeing to replace only passenger side door.
Any one have similar issue with progressive ? If so how did you handle escalation. I basically got into it with the repair rep when he called me to say they’re only going to pay for one door to be replaced and that worst damaged door would be repaired. I’m like how do you repair something that is completely busted.
Not to mention the rep had audacity to ask my body shop to remove the opposite side door so he could compare. Is this normal pushback bs progressive does on this situation? Or am I just this lucky to get a complete jackass of an adjusted
Thoughts and advice welcome!
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