Hi! So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps! Thank you for reading\~

Hello, We've had Trupanion a few years and it's an excellent product; we don't appreciate the way their representatives do business at times. Is there another business doing coverage that pays vets directly, when going to a participating vet, for accidents? Trupanion doesn't cover wellness and that's fine. There are some in the UK, hopefully the states catches upR

I don't know much about auto insurance claims, but I do know they have to and in no uncertain terms tell me they are denying my claim and why in an official and written communication. I need someone to give me advice what to do next. I have a strongly worded demand letter giving the 1 week to get me my total loss documents and an offer for ACV....I'm probably screwed. 17 days after the accident the at-fault driver's insurance told me they were taking responsibility and needed me to contact the impound lot and approve them to pick it up. They then told me I would be getting a rental car, comparable to my vehicle ( a 7 seater XL SUV and it would be authorized for a minimum of 5 days, to be extended as needed. Then they asked for my statement--- They accepted fault before they even heard my side, and my side further points the finger at their guy. July 1st They took it to their body shop and I picked up my rental and I didn't hear anything for a couple days so July 3rd I called the shop up and the owner said they told the person who dropped it off that it was totaled without needing to be evaluated and to take it away (they left it anyway) She said left a voicemail with the adjuster that day but hadn't heard back from her yet. I call and leave a voicemail with the adjuster and since it was the day before 4th of July I wasn't really expecting to hear back from her until Monday at the earliest. I didn't hear anything until 7/9-Wednesday. It was an my email to check the claims portal for new documents. It was a document for a repair cost estimate. $24,000 and my car is worth $21,000 on a really good day. The repairs are things like welding to repair frame, taking various pa from a 2024 model (my car is 2018), not even a compatible year. Voicemail notification pops up from the adjuster. Hey, just wanted to touch base. Our liability department reviewed the claim and determined they were no longer taking responsibility for it. Please let me know where you would like to have my vehicle taken. If I want to send her a text with my address she can even be so nice to leave it in my driveway. She calls again on the 11th leaving another voicemail. I say call, but my phone isn't ring there's no missed call in my log--- This voicemail she is super chipper, telling me the good news that my vehicle can be fixed, says to check my email to see the estimate for repair, tells me I just need to take that to my insurance and they will get the repairs done since they are no longer accepting responsibility. "Your insurance has probably already been communicating with you and asking you for it. No man, they denied my claim 3 weeks ago boi. My insurance has been terrible through this too, can't get them to call me back so at this point I take it upon myself to order my own copy of the police report because there has got to be a reason they're suddenly flipping the script on me..... I get a copy of the accident report 7/15 and oooh boy, that has to be the DUMBEST cop on the planet. Here's his report Driver 1 was traveling down lane 2 , veered into the guard wires on the left. Driver 1 then took a sharp right being perpendicular in lane 1 when driver 2 collided.---- Like it all happened at the same time. OH! And he apparently cited me for improper lane usage which has to do with unsafe lane changes and swerving outside the lines. The diagram he drew is equally ridiculous. Nothin he had in the report was anything I had said. Here is the gist of what actually happened that day: Traveling in the left lane on the highway at 320am my tire came off ....and I'm not talking just my tire, the entire hub. At the time I had no clue what happened and am only guessing, honestly at what happened next -my car sank down slightly on the driver side and suddenly I couldn't steer,, my vehicle is not responding even if I held the steering while steady or if I decided to jerk it hard to the right. When gently touching the brake the car wanted to make a hard right so while It had a mind of its own, all I could do was down shift and pray THANK GOD I was able to reduce speed to 40mph and that the road was empty because my vehicle decided to suddenly make a harsh veer right which caused my car to do a fancy spin across the highway to the right lane and came to a stop facing oncoming traffic. My vehicle was semi parallel to the highway and mostly on the shoulder, but partially in the right lane as well. Facing oncoming traffic but the front of the car more on the shoulder and the back more in the right lane. My vehicle automatically starts flashing every light ever and blaring out the alarm sound, and saying "we are contacting emergency services" or whatever it said. Sweet saves me something to do since my car refuses to budge. I should mentioned that it was twilight out and I was grateful that my vehicle was facing head on because my headlights and fog lights are hard to miss, impressive and now they are blinking.. I contact AAA and put out these orange plastic cones that I had in the back from soccer practice...better than nothing. I can see that my tire is there but it looks crooked. I get back in the vehicle because I assume I would survive an impact surrounded by steel better than if I wasn't. I'm watching cars approach, slow down and change lanes for about 20 minutes while AAA takes their sweet time. 345ish is when I see this minivan in the right lane coming quick and not slowing down at all, other cars are getting over ya know?.... the next part happens in a blur no idea what occurred, I think my brain took over and put my conscious to sleep for a second he smashes into my beast of an SUV going at least 80mph-never touching his brakes, no tire marks on the ground But I am standing on the side of the road so I must've escaped just in time. and on the shoulder is my driver side tire disconnected like a loose tooth. My vehicle gets thrown 100 yards down the highway, he continues another 100-150 yards down the road and up an embankment about 20 feet. I think he's dead, i run down to check on him, by the time I get there he is standing outside his vehicle and on the phone with 911. He was real cool, grateful I was alive he tells me that he was sorry. He had his cruise control on and his cat was in the back seat. His cat started meowing so he was turned around checking on it and before he could turn back around he smashed into my SUV He had to have been not looking at the road a solid 60-90 seconds--- visibility was far even at twilight. ANYWAY, I write the insurance carrier and go over my review of the accident report and pointing out inaccuracies such as where my vehicle ended up would have been impossible had it been a t-bone collision and the fact that his vehicle traveled 200 yards after impact supports my side of the story that his passenger side collided with my passenger side, in a semi head on way....hard to describe how my vehicle sat, it was parallel but not perfectly so, the back of my car was slightly in the right lane and the front of my vehicle was slightly more on the shoulder. Also mentioned that I had order a copy of the 911 call where he admitted to me he wasn't looking at the road....before I could hit send, I get an email saying to check the claim portal, they have a copy of the police report and a letter attached saying that they were sharing the police report with me and that the police report does not state their client is at fault. ALSO DOESNT SAY IM AT FAULT BUT WHATEVER!! Enterprise calls me they want to report the vehicle stolen, they give me 24 hour grace aka today in 3 hours. I send a strongly worded demand letter pointing out that they have not denied nor finished my claim, and they were the ones who approved a rental car to see me through the length of this claim so they are obligated to continue paying for my car rental and if they fail to do so then I will have no choice but to submit a complaint for bad faith practices. Gave them 24 hours to respond. I don't understand what is going on, why change their minds like this but not outright deny the claim and end it here--this game playing I don't have time for it but I am a petty person I will not roll over. I'm frustrated. No attorney wants to take this case because I'm not injured, wishing now I had stayed in my vehicle so at least the insurance couldn't mess with me. I'm too broke to pay for an attorney, but I can't afford to lose a $20,000 asset because they are a bully.

I am getting a crappy rate on my so-called HSBC "loyalty" ISA and want to move it to 212. When I go through the steps in the app, it connects to my bank account and opens my HSBC accounts, but my loyalty ISA is not there as an option to transfer from. All my other accounts are showing? Can anyone tell me what I am doing wrong here?

Nationwide tripled policy and cut coverage 40% Last year they tripled my policy to over $3k, and just sent me a letter saying next year they are cutting coverage to 50%. Been with them for probably 5+ years. I am on a grandfathered plan that covered 90% and wellness, so basically everything (including food since prescribed). To pay triple the rate and then also lose 40% of my coverage is absurd, and they said they have no other options or plans to reduce costs. Monthly costs also only drop $30 which is a slap in the face. Any idea where I can go or what I can do to control costs? He’s a 12.5 year old “beagle” mix for reference and has cushings for background.

Sold my other car and bought one at the same time, then returned the second car and got a full refund. All of this happened within 7 days of each other. Geico said I can't take off the car I returned, despite it not being in my name, without fully losing coverage which will then cause a lapse in my continuous insurance coverage. They basically said I either keep the car on until I find another one, or fully cancel my policy which puts me in a not-so-great spot. Geico offers non-owner auto insurance, and they couldn't give me a reason they couldnt insure me without a car, only the above "solution".... so if I cancel my policy and try to get a new one, Ill have to pay a down payment again and be subjetc to higher rates because I had a "lapse in coverage". What would you do?

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.

I usually get my glucose sensors direct billed, but every once in a while I will have to pay out of pocket if one stops working. What irritates me is I’ll submit the claim — and it won’t cover what it will when direct billed. I’m talking $100 less when self submitted. I call them, they say it should be covered as normal and they’ll look into it — but I see nothing on my end saying the claim is being reevaluated, and no secondary deposit. Months later, nothing. I get the sensors direct billed… normal coverage. Submitted another receipt, and it comes back $100 short. Before you say to just go and get the prescription at the pharmacy where they process my insurance, it’s an hour bus each way. The pharmacy I get the sensor at out of pocket is within walking distance. As for why I don’t transfer to that pharmacy… 10% less coverage, which for my medication is an extra $200 per month AT LEAST. Any advice to actually have Canada Life follow up on their processing error?

Car Came In Contact With Pedestrian Hello All, I would just like some community input. My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day. In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this? *Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route. I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS. *Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time. Thank you all for your input.

I have a high deductible UnitedHealthcare plan through work and my primary care doc referred me to a local radiology clinic for a mammogram and ultrasound for a lump in my armpit (everything turned out okay). I got the bill the other day and almost choked, $635! I called UH and they said since it was billed as diagnostic and they don't offer any discounts, they only paid about $50 and I paid the rest, essentially it barely mattered that I had insurance. I am 35 so they aren't covered yet as preventative. Should I appeal this? It's so much money after being laid off for 7 months before.