Current policy holder for two animals since 2018. Aside from the constant increase in premiums… now that I’ve begun filing claims they are questioning the breed of the dog and threatening to double my premiums if I don’t validate a large mix breed vs a mix pit bull. Disgusted.

Is this a good comp plan for State Farm or should I look elsewhere? Hey everyone, I’ve been with State Farm for about 3 months now and just recently had my agent finally sit down and go over my compensation plan — something he’s been promising to do since I started. Here’s what it looks like (full document attached): • Base Salary: $35,000 • Auto/Fire Base Commission: 5% • Life/Health: 20% of 12-month premium • PTO: 8 days • Penalties: $50 deduction off bonus for every incomplete HH checklist Bonus opportunities: • Issue 5 life policies → +3% increase on P&C commissions • Issue 4 health applications → $250 bonus The issue is, I was also promised the chance to join the Aspirant Program, which was a huge selling point for me — but as time passes, it’s becoming clear that he probably doesn’t have much control over that, and it feels less and less likely it’ll happen. So, I’m wondering… Is this a competitive compensation plan for someone in my position? Or should I start looking elsewhere? I’ve got a background in finance and have been putting in real effort here, but I’m starting to feel like this might not be a long-term fit. Appreciate any insight from others in the industry.

Edit: It looks like this was my deductible. It looks like I didn't fully understand how things were billed before/after my deductible was met. Thanks for the help everyone! I recently received a bill for $275 from an in-home sleep study. When looking at my EOB it says that the ammount billed was $450 and Cigna negotiated a $175 cost reduction, however under "What Cigna Plan Paid" the amount is listed as $0. Also, the provider network status is listed as "IN NETWORK". I was operating under the assumption that this at home sleep test would fall under the other lab work from an independent lab category and would be billed at 15%. Not sure if this is necessary info, but I am located in California. My questions are: 1. Does anyone know what an in-home sleep study would be classified as when it comes to how it is billed? 2. Is it possible to contest this with Cigna to get them to cover more? 3. Is it possible to negotiate this bill with Virtuox in the event that Cigna will not budge?

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

My parents applied for health insurance through Maryland Health Connection, and were told they were eligible for an advanced premium tax credit. Now that they are doing their taxes, it appears that there was a large overestimation of the amount on the premium tax credit they were eligible for, resulting in them owing about $15,000 in taxes. If this is the fault of Maryland Health Connections for overestimating the amount on the premium tax credit they were eligible for, is there anything that can be done about this?

I received an email recently that I would not be able to renew my 4-year-old cat's pet insurance through ManyPets due to the company no longer providing policies in the US market. They said I would be hearing from another company, Odie, about a new policy. I looked up Odie and it seems to have very low scores on Trustpilot. Has anyone else lost their ManyPets coverage? If so, who did you go with to replace it?

I have a 5 year old maltese with no pre existing conditions and currently use Nationwide. My dog had to have a simple surgery to have something removed on her eyelid and Nationwide only paid out ~10% of the claim. I am looking to switch carriers in exchange for better coverage. If I only wanted to insure against accidents, unexpected events, and not routine care like vet visits and bloodwork, what pet insurance company offers the best value? I am a bit lost and the marketplace for pet insurance seems to be large and growing. The goal is to have a lot of coverage for, say, a $4,500 surgery as the result of something unexpected. What does everyone think?

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

I just had a pipe bust in my attic that flooded my home for about 40 minutes before it was stopped. It’s ruined the insulation in my attic, all ceilings in 80% of my home, the walls, and the baseboards. The adjuster (farmers) is saying the floors he believes are waterproof vinyl therefore took no damage and can be dried out. When they removed the baseboards i did go around and see the corners of the floors are peeling up and have water under. It is continuous throughout the whole house with no breaks. I tried to google and can’t find anything on this issue, has anybody dealt with this before? Can vinyl floors have no damage under? I’m a new home owner and I have little knowledge in this, thank you in advance!!

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?