I got hit by a car last summer in NYS and was told by my lawyer that they’d reimburse for taxis (up to $25/day) and personal help needed around the home and stuff. I kept all my receipts including for things like a walker, shoe lift, etc (I only got crutches through the doctor). Now the insurance company won’t reimburse any of it because they said: 1- they only cover taxis to doctors appointments 2- they don’t cover laundry because that is “personal” 3- they won’t cover any medical things because I didn’t have a prescription for them. These probably are the rules and I’m mad that my lawyer didn’t actually tell me this before and told me the opposite because I probably could have gotten a prescription for those items. But I want to make sure.

I work for an employer that does Cigna healthcare with three tiers, but the costs for all three plans are similar to the three tiers that Blue Cross Blue Shield offers on the open market. I currently have a premium plan with BCBS for ~$1400/month and my employer’s premium plan is also ~$1400/month. How do companies get away with “offering” healthcare insurance that isn’t subsidized at all? This seems very disingenuous

I was on my domestic partners health insurance for a couple of months before they left their job. We had all the papers signed legally in front of a notary and I was officially listed on their insurance. However, they left their job and I am trying to get insurance again through Anthem Blue Cross Blue Shield by proving that I was on my partners insurance. Sadly it has been nothing but a back-and-forth struggle, sending paperwork, and asking for their phone number only to be ignored. I have given then my full name, my partners full name, my partners termination information, and I have even used the insurance at a local urgent care recently (plus printed out the document showcasing my full name listed as a domestic partner on their insurance). After proving I am who I am, they keep asking for more information and this time asked for my terimination date from my job to prove I was on the insurance. But I didn't leave my job. My partner did, which I have explained. They also asked for the loss of coverage date, but I have sent previous emails with that said date. Long story short: I am trying to prove I was a domestic partner on my partners insurance, only to be asked again and again for more paperwork (of ones specifically I have already provided). Has anyone else faced this issue? Is there any way I can go about this in a more efficient way or anyone I can contact? Thank you! I really appreciate the help.

Just sharing an experience that may be helpful to others. I signed upon or Trupanion about 4 years about based upon Wirecutter's review at the time saying that their increases over time were modest and product was good. When I got my puppy four years ago, the rate was $70 month. Fast forward three and a half years and my rates were $103 ( not too modest in my opinion). I just got an email saying that my rates were going from $103 to $135. That's an astronomical increase in my opinion. It got me wondering what Im going to be paying when my dog is 11 years old and he may need the insurance, $300/month? More?I decided it was no longer for me and I wanted to cancel. Customer service was relatively good till this point. But when I wanted to cancel they made it EXTREMELY difficult. I could find nowhere on the website to cancel until finally finding some back alley link that said I had to call them on the phone to cancel. Annoying... shady... but fine. I called them and waited on hold for five mins for someone to take my info. They did, then they said they had to transfer me to the cancelation department. Shock and surprise it was a 20 minute wait. When I got the agent on the phone, they needed to take all the same info again, and then I was forced to sit through a 15 minute scripted summary of why my cancellation was a bad idea and why their rate hike was justified rather than them just taking my info and cancelling the subscription. They told me if I hung up and didn't listen to the whole spiel my insurance would not be cancelled. The whole thing felt like a forced captivity last ditch effort sales pitch to keep me, rather than facilitating what it was I called to do. Really disappointing customer service. To not have an online option to cancel in today's day and age is egregious. Forcing people to to listen to a sales pitch is customer relations malpractice.

I was in an accident recently and i signaled and looked behind me and merged rightward into a middle/center lane. As I did so someone came flying up from behind me and I believe they very likely merged leftward into the same center lane, and I struck their aft portion of their car. Like their quarter panel and rear door (it was a four door car). I hit with the front of my car. like my right-side turn signal and bumper cover hit their left-side rear door and quarter panel. Not much damage to either vehicle but certainly much more to the other motorist's car. They will probably need a new doorskin and new quarter panel or at least serious bodywork to repair the damaged panels. Anyway, my insurance coverage does not include collision or comprehensive. Which is fine. I prefer it that way. I thought it should've been mixed fault or not my fault at all but in one week my insurance USAA has found me liable. There were no other witnesses, no passengers in either vehicle, and no camera footage. I forgot to take photos of either vehicle and so did the other motorist as far as I know. We only took photos of each others' insurance cards. They said due to the location of the damage on both vehicles (i never sent them a photo of either vehicle so other than my words and the cop's words they don't know where the damage is on my vehicle) and due to the police report, they are making this decision. I called the police department to get the report and not only do they want 10$, but they said the only way my insurance company could have the report is if they solicited to lexisnexis via snail mail. If that is true, then I suspect there is little that in ~6 business days they got the report. I was unsure what happened and the old lady who hit me/I hit was very adamant it was not her fault, which I guess is what I should mimic in the future, even though anyone with half a brain knows that in many accidents, eyewitness testimony is unreliable. I did not admit fault at the scene or to anyone I have a career where my driving record is important and I really don't want my insurance to go up. The adjustor is being noncommunicative. Please help

So the title basically sums it up. I had I guy scrape the paint off the driver side front fender and a little bit off the side around the wheel well at a gas station about 4:30 am after I got off work. I got their insurance info and pictures of the damage, ID, and insurance info (Progressive). Someone gave me their number to act as a witness and it's on the video at the gas station, and the gas station employees know me from stopping by after work and said they'd act as witness too, so I didn't think it was worth calling the cops over. The problem is, is that Progressive wanted me to use their website/app to take pictures of the car and then a video of the car (inside too for some reason). Honestly it seemed like a bit of a hassle. Any other time I've had something like that happen I've just had to take it to a shop and it gets fixed. The car was in perfect condition went it happened, which they asked about when I was filling the initial claim. Unfortunately I put it off for a a couple weeks since my working nights made it so it was dark when I got home and the sun was going down when I got up to leave for work (this was about a month ago when we had less daylight), and off course I procrastinated like I shouldn't have since the car was fine to drive. Then, about 2 weeks later, I was driving home after work and was in this stretch of the highway that is really dark when something hit my car HARD. I didn't know what it was, it was just some black blur that I didn't have enough time to dodge. I pulled over really quick cause I was dragging something and I didn't know what condition my car was in. Turns out I was dragging a chunk of my fender that was broken off. Luckily my car was drivable, but I had a hole about a foot in diameter taken out of the front fender closer to the passenger side of the car. I walked back up the highway and it turns out the semi I was behind shredded a tire and it just ripped threw my car. I've seen people hit by those before and it's surprising how much damage they can do. I honestly thought I'd have more damage from the sound of it and from the feel of the impact. Now my problem is both that I didn't get the semi truck's info so I can't have them pay for that damage, and because it happened before I made the video I now have damage to the same piece of the car that was mainly damaged by the the guy at the gas station. So I've just been stressing out about how to deal with it, not knowing how I should go about handling this now that it's gotten complicated. I swear, I go years without trouble then get hit back to back. So when looking online to help figure out what to do, I found some similar stories on Reddit while trying to navigate this, but none that fit me specifically. So I'm hoping I could get some advice on how to best deal with this, or at least someone that can let me know what to expect. Sorry for the length of post, and I appreciate any help!

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

Hi everyone, I wanted to share my experience with biBERK workers' comp insurance and get some advice or feedback from others who may have dealt with something similar. I had a workers' comp policy with biBERK that was fully paid and I canceled a few days before the expiration date. A few weeks after cancellation, I received an audit request. I didn’t fill out the forms right away, and shortly after, I got an email saying I owed around $500 as an estimated audit charge since the forms hadn’t been submitted. I called biBERK to ask about it, and the agent told me that if I filled out the audit forms, they’d be able to issue a proper audit and adjust the premium based on actual payroll. I submitted the audit form the next day. To my surprise, after submitting the audit, the amount due increased to $1,300. I called again and was told I could submit a formal dispute, which I did. I explained that: I’m a small business with only one employee on payroll. The policy was canceled early, before the full term. No claims were ever filed. I submitted the audit forms in good faith expecting a fair adjustment—not a higher charge. Today I received the outcome of the dispute, and they only reduced the bill by $77—so I still owe $1,223. I’m feeling frustrated and a bit taken advantage of, especially since the audit estimate was originally much lower and I submitted accurate data as requested. Has anyone dealt with something like this before? Is there any recourse or further steps I can take? I appreciate any advice or insight.

I'm having trouble figuring out what is covered and not covered under this plan.... My dog recently had an anal abscess the size of a kiwi so it needed to be removed immediately. Deductible is $250.00, and I'm just trying to see the benefits coverage but am having the most difficult time navigating the Nationwide Pet Insurance website; it's as if they do not want us finding out what's covered to utilize our insurance to the fullest. With this operation potentially maxing out my deductible, I have some other Wellness things I want to get taken care of, such as dental, or to see if I can do anal expressions every few months. Any insight on coverage?

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.