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.

I’ve been looking for pet insurance and I’m so overwhelmed. I need help! I was looking at nationwide since it looked affordable but then I read awful things. I’m hoping someone can give me some recommendations! I live in Illinois. 8 year old Pomeranian, she had luxating patella (not sure how it’s spelled, but where her knee pops out of place). 7 almost 8 year old dachshund. He doesn’t have any pre-existing conditions! Edit: THANK YOU for all the responses!

Been with Healthy Paws for quite some time. They were great during the life of my senior dog that recently passed away. I have another senior dog whose rate just increased by an insane amount and have been debating whether or not I should keep paying it or just cancel and set that money aside. She does have pre existing conditions so unfortunately getting her on a different plan seems pointless. I have a 8 year old cat with no pre existing conditions and a 10 month old dog. I would like to have them on pet insurance but I feel like every company I research there are some good reviews and then horrible reviews. Is pet insurance even worth it anymore? Does anyone have any good companies they would recommend? Thanks.

My monthly premium with Embrace was $54 a month and I just got a notice it will be $93 a month. This is an obscene increase. My pet is an almost 8 year old male cat I have had since he was 2. He has been in great health with no issues. I’ve had embrace since I got him. Should I get new pet insurance? I’ve seen really mixed reviews about embrace being a scam. There is absolutely no justification for this premium increase in my opinion, but I’d like it get other thoughts.

In early 2024 I made an appointment to start seeing a therapist, specifically one that my insurance (Cigna) listed as one accepting EAP. I called the office and confirmed with them they do accept EAP, so I scheduled an appointment. My six EAP covered sessions ran out around September 2024, so I called my insurance, got a new code for six more covered sessions, sent it to the office by both text and email (and also over the phone to confirm it was correct). Come March 2025, I’m on my last of the second round of therapy sessions covered by EAP. I check in at the office for my sessions, and they tell me an owe around $300 for my last several sessions. Confused, I tell them that EAP covers my sessions aside from an establishing bill of like $69 once a year. The office tells me they do not accept EAP and that I’m overdue on my bill. I have never been told, in all the times I physically check in for my appointments (I never do virtual) that I owed anything. This is the first I’m hearing about it, or that they do not accept EAP because I confirmed when I made the very first appointment that they did accept them. Hell, I had called to give codes for each batch of six sessions. Now, if they had told me this sooner, I would’ve stopped going to find someone else. Not a big deal, it’s their business and they are allowed to handle it however they want. But it feels really shady to suddenly spring a mystery bill on me and say I’m overdue for the last six sessions. They had six months to tell me when I came in or email me or call me. I showed them all the proof of me contacting them (I always leave paper trails) about the EAP codes and confirmations it was accepted. The legal advice I’m seeking is, is it legal for a provider to do that, suddenly stop taking EAP and secretly bill you without informing the patient? I’m assuming they will drop my bill once they review my evidence, but if not, can I legally ignore that bill (if it even comes my way at all)?

Has anyone ever heard of a requirement that a wood fence needs to have 5 feet of metal between the house and the fence for homeowner's insurance? State Farm is mandating that we replace 5 feet of our wood fence that is closest to the house with metal for the policy to go through.

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 adopted a dog last March. I signed up with Spot for regular and preventative. Last year in May I got his teeth cleaned and they covered $150 of the cleaning, great. The new calendar year is here and I assumed like my health insurance the clock would start again at the beginning of the year. Nope. They go by the calendar year from when you started your plan so they denied my claim. Not a huge deal but if you are covered by Spot know that their preventative coverage is based on a year starting when you signed up for your policy.

I’m so frustrated, I moved from maryland to new jersey a few months ago and I want to apply for NJ Familycare. So i’m trying to cancel my medicaid in Maryland and my insurance provider is Kaiser Permanente, I called kaiser and they told me my plan was ending 3/31/25 HOWEVER that said 2024 plan. There was also a 2025 plan that said it was valid through 1/09/25 - 12/31/25. On my Maryland Health Connections I got a message saying it would be ending on 3/31/25 which is exactly what i want, but why does kaiser have another plan that says active?? Idk why all this is so confusing and i called multiple people for about an hour or so and no one seems to give me the same answer.

I've always had a fairly good experience with State Farm. I had a fire claim around 10 years ago and they paid promptly. I also had a boat claim several years ago and, in spite of some issues, they paid that as well without too much trouble. Last year they increased my homeowner's premium from $2k to $3k; then in November a tree fell on my house. Most estimates for repair were in the $20-30k range. State Farm's adjuster said the damage was less than my deductible ($9800). I also tried to get quotes from companies that State Farm suggested. These seem to mostly be brokers for contractors and not contractors themselves. 2 never responded, 2 inspected and declined to bid, and the 3rd submitted a bid to State Farm that was the same as all the bids I received. As of last week, my adjuster was still "working on it". Meaning, I assume, that they were just going to wait it out until I gave up and did the work by myself. Note to State Farm: your strategy worked! Sitting on a claim for 4 months while a roof leaks is a good strategy for not paying a claim. I've repaired much of the damage myself (basic carpentry), I paid for the tree removal ($3500), and I'm paying for a replacement roof. All of the roofers who quoted said it would be $15k to fix the damage and $20k to replace the entire roof, and since my roof was getting old, I opted for replacement. I'm getting close to $30k spent. Yesterday I happily canceled my policy and switched to another company at 40% less for the exact same coverage. I understand that State Farm is in business to make money and not to pay claims, so I expected them to lowball the repair cost, but 1/3 of actual cost is just silly. What annoys me most is all those years of wasted payments for insurance that wasn't really insurance. Hope this helps someone else not learn the same lesson the hard way.