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.

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

Hi All, I'm hoping you can help me review my options and come up with a plan for a recent unexpected (and I believe inaccurate) medical bill. I get annual cleanings and other routine dental care (e.g. 1 set of x-rays a year) for free under my dental plan. I have just recently gotten off of my parent's insurance and onto my own plan so I made sure to double and triple check both on my insurance provider (Cigna)'s website and on Zocdoc that I was booking an in-network appointment. At my appointment, however, I was seen by a different dentist than the one I booked with who ended up being an out-of-network dentist. I was surprised by a $400 bill from Cigna, which should have been $0, several weeks later. A fruitless chat with a Cigna rep led to them reprocessing my claim, even though I knew it wouldn't do any good since the information submitted by the dental office showed that I was seen by the out-of-network dentist. A week ago the claim was processed and my bill went up to nearly $1000 because they say the facility is out of network. It is not, and I have a screenshot from Cigna's website showing it isn't. Anyway, I'm feeling a bit lost about how to proceed. I know about the No Surprises act but am not totally sure how I would go about using it to my advantage here -- I do have the original emails showing that I booked my appointment with a different provider than the one who saw me, but am not sure how I can communicate this to the right people. Any advice about next steps would be very much appreciated! TIA for helping me figure out how to move through this. EDIT: In my 20s, live in NY State, insured through employer.

Hello! I have Guardian Dental insurance. I just received a bill where I am responsible for $217 - Guardian only paid $47.00. Services billed were D0120 and D4910 (Periodic Eval and Periodontal Maintenance). I went on my Guardian account and it says that both codes are covered 100%. They are both under preventative and the coinsurance is listed as 100%. "Detailed and extensive oral evaluation (D0160) is not covered. **Oral evaluations, including codes** ***D0120***\*\*, D0145, D0150, D0170, D0180 or D9430, are covered once in any 6 consecutive month period.\*\* The limited oral evaluation - problem focused (D0140) is not included in the frequency limitation or last visit date." "Periodontal maintenance (D4910) is covered under the Basic service category. Adult prophylaxis (D1110) is covered age 12 and over. Prophylaxis (cleaning) (D1110, D1120) or **periodontal maintenance (D4910) is covered once in any 6 consecutive month period."** My date of service was 3/6/25. I have not had any other services in the last six months. My last visit was 9/3/2024. My deductible is $50, "Yes" means waived for preventative. To date, I met the $50 deductible and Remaining is "0". || || |Individual Dental|Out of network|$50.00|Yes|$50.00|0| ||In network|$50.00|Yes|$50.00|0| My deductible is $50 and it says I paid it... and my coinsurance is 100%? So even for preventative services, this means I'm responsible in paying all of my dental care beyond the first $50? My yearly plan limit is $1000. What is even the point of having health insurance? Is this because I got basic coverage instead of full coverage? I guess I'm ignorant and thought that preventive care would be covered. I feel really stupid right now! I tried calling, but they aren't open. Any assistance to help me understand is appreciated.

I suffer severe injuries after being struck by a car! The lawyer called me today to tell that progressive insurance is only going to pay $25,000 for my injuries and that my medical insurance will cover my bills . And they research the guy and he has no assets to sue him!! I am devastated that I nearly died in this accident, everything is gone, and I am mentally ruined. Could you kindly advise me on what to do? Thanks

I sent the check for mortgage payment to Newrez on April 4th with USPS. still havent seen the payment made on the account Should I be concerned that in the case they proc.ess the check later, that they wont apply it to principle or could be taken as payment for next months bill?

We first joined at around $30 but it is now $150 just 3 years later! While I appreciate that they respond through email, will make up reasons for care reimbursement rejection - and they don't seem to have a transparent appeal process!

My car was hit from the side by an SUV. After getting advice from this subReddit, I opted to allow USAA to use a Toyota collision shop in their STAR network to do an inspection vs. going with a non-STAR collision center/appraiser (I still can pay for this out of pocket if needed). The consensus of this subreddit was that USAA collision centers are decent and wouldn't try to skip out on repairs just to keep estimate under the 70% threshold for totaling a vehicle (that was my concern as the car was hit near the hybrid traction battery and I believe it should be replaced) The STAR-network shop contacted me individually and is demanding me to sign full work authorization forms and power of attorney before doing an inspection/estimate. In my state, I am legally entitled to an itemized estimate before authorizing any repair work. I'm okay authorizing an initial inspection but I do not want to give full repair authorization AND assign them power of attorney before reviewing and approving

Location: Winnebago County Illinois. It's hard for me to know where to start with this. On April 3rd I received a letter that there is a petition to revive a judgment from 2009 for small claims. I want to know if there is anything I can do to fight this. or to have it denied. Back in 2009 I woke up one day with a garnishment on my paycheck and found out that a company called Midland Funding LLC. placed a garnishment on my wages for a debt they claimed they were owed by me. When I reached out to the creditor, I was able to get some information and they served papers to an address I've never lived at and did not recognize to a person I do not know. I tried to explain to them that I do not recognize the debt and that it was fraudulent. They said it was too late and there was nothing that they would do about it. The garnishments would continue. I was too broke to afford a lawyer even though they were taking between $50-$80 out of every check. It was still less every check than it would have cost me to get a lawyer, and I did not have any savings. I was in my late 20s and there was not a lot of information back in 2009 for legal support. I also did not have adults around me with experience or advice on what I should do. so being young and dumb I didn't pursue it after about 2013 the garnishments just stopped on their own. I still had the same job, and I figured they collected whatever they thought they were owed. They sent me a notice that they filed a petition to revive and collect $2152.22. What I have done so far: I went to my county clerk's office online to look up the case. I did some Google searches that recommended I fill out what's called a response, explaining why I do not feel that this case should be revived and found some forms online. If possible, I would like some guidance on how to best to fill out my response in a way that would give me the best chance of the judge denying their request, and how I would submit the forms to the court

Hi. I have to decide whether to accept or reject a lump sum offer from long-term disability insurance. I ran some numbers and after taxes, I think the lump sum offered is equivalent to almost 9 years of monthly benefits. In this math, I reduced the monthly benefit by 35% because I think that if I turn down the lump sum, I will have to get a lawyer to help me through whatever else the insurance company will try to do to reduce or deny benefits going forward. I had to appeal a denial a few years ago and back then, disability lawyers were taking about 33-40% of benefits. (I had decided to pay a flat fee for help with the appeal only.) I became disabled at age 30 so I have quite a long ways to go and don’t know if I have the mental, emotional, and financial resources to get through another denial. I still have PTSD from that period, which was also during COVID. Even though I don’t see how I could suddenly start making money, I feel like at least the lump sum is a sure thing. If I reject it, what kinds of things will the insurance company do for the rest of my benefit period in order to balance their books? I am especially worried about extra uncertainty with SSDI. If my SSDI payments get cut, my long-term disability insurance payments are supposed to go back to the pre-SSDI amount, which is more than double what they’ve been paying since offsetting for SSDI. If this happens to a lot of people at once, what kinds of things will the insurance company do? Right now, rejecting the lump sum feels like I would be subjecting myself to a scary black box of strategies to reduce or deny my benefits. I appreciate any information that could help me make a more informed decision. Thank you!!