I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

Need a new home insurance company! WILL NEVER USE STATE FARM AGAIN! They have been the absolute WORST! Looking for some direction here… What are some of the Best companies I should be looking to switch to?

I currently have Erie no recent accidents or traffic violations. I did switch to an EV which I guess triggered the recent price increases. My annual premium went from $925 to over $1700 for 2 vehicles. I did a quote at progressive direct and the annual price is about $500 less with the same coverages except I didn't include the accident forgiveness or deductible savings bank. Is it a really bad decision to switch from Erie to Progressive? The monthly price option for the two actually saves me about $720/year. Am I missing something that I'm overlooking?

I have a senior cat who just turned 14. I had him since 1 year, and always had Banfield, thinking that was the insurance. (To make me feel less bad, pet insurance wasn't a thing back then :( so please don't blame me too much.) My other cat who was 14, passed away recently, and all the bills left me in burden. So I heard about the insurance, and was trying to sign up for my other one, but I've also heard about insurance nightmare stories. I'm now really worried that they would just deny everything, saying it was a pre-existing condition. I would truly truly appreciate if there is a way to ensure coverage based on my current situation: * Everything is recorded in Banfield, where I took him regularly for his routine checkup since I brought him home. * My cat is chonky (24 lbs) * Already had asthma when I brought him as a kitten (but it wasn't severe and got better so no treatment was given) * Last October, the doctor said he has heart murmur 3/6 and put that in the note * They also noted he has a tartar on his teeth (would that make any dental related disease claim denied?) My biggest concern is the heart murmur... would they just deny everything heart related? Any tips and advice would truly be appreciated. Thank you so so much.

I was a USAA member for 18 years, 15 of which with a good driving record. For a 11 of those years I served in the US Army, with 10 combat deployments to Iraq and Afghanistan. I was awarded the Bronze Star, among other honors. I was discharged honorably. After the military about three years ago I was going through traumatic personal issues and often drove distracted. During a 12 month period I was in a series of low impact auto accidents. Two of them were just backing into somebody’s fender in a parking lot. However 6 months after the last accident the computer at USAA determined I was too high risk and without providing any kind of appeal process sent me an automated letter informing me they would no longer cover me. I called and I was informed that there was no appeal process for the computers decision. The computer didn’t request my military record, nor consider my driving record for 15 years prior to that, and the humans at USAA would only listen to a computer that doesn’t understand nor care about context or give credit for military service. I was informed that there was no human being capable of overriding the computer’s decision at any level of the company. I’ve tried every major insurance company, and all of the minor ones that I can find, and they all use the same computer algorithm. I was never impaired. I didn’t hurt anybody. I’m not required to be on an SR 22. I have a valid drivers license. .. and I cannot get auto insurance. Recently, I did find two places that would insure me, .. for $2000 a month.. I have been unable to work for close to a year. Soon, I will lose my house. Does anybody know of any insurance company where human beings are still allowed to make their own determination? Is there any way to get commercial auto insurance through an LLC that doesn’t require my driving record? Is there any way to challenge my driving record, or have it improved? Or anything that I can do to convince the computer, or any person I could talk to at the state level or in the private sector that might be able to help me? I’ve tried everything I can think of. I don’t know where else to go. Thank you in advance 🙏🏻

Good morning/afternoon/evening lovely humans. You read the title right, and the only reason I found out was because I'm currently getting my Property and Casualty license myself. I had my life before, and called them out on some shady shit, described below. My apartment with my (21f) and my (now ex) fiancé (23m) was broken into on October 13th, 2024. I'll refrain from details to protect my ex's identity, as well as my own, though this is still my main account. But, a very important detail is he is currently deployed, so I've been handling all of this by myself. I will admit I had to wait until around October 23rd to file the claim, since I had to do a thorough inventory of what was stolen (of both mine and my ex's, as he is unable to help due to deployment). A lot of stuff I still don't know if it was stolen or not, as full boxes of my stuff was nabbed, and I have no way of knowing what was in them as it's been a very long time since I packed them. So, submitted my claim on 10/23/24. Was told on the claim submission screen that I would be contacted in 1-3 business days. Seemed like standard procedure, so I thought nothing of it. Waited. And waited. And got sick, and waited some more. As a matter of fact, my life insurance licensing test was during said waiting period, as I didn't hear anything from Assurant for a WHOLE MONTH. I ended up reaching out to them, threatening to report them for malpractice to my state's Insurance Commissioner if they didn't start taking their job seriously. The first recorded day I have of them contacting me is on DECEMBER 3RD, 2024. So almost a month and a half after I had submitted my claim. After I got into contact with my claim adjuster (we'll call him P to protect his identity) things started moving pretty smoothly, or so I thought. P was responsive, answering my questions and making sure the payout would go to me to handle, as my ex is unable to really help due to his current situation. However, a lot of the gear he left in our apartment was stolen, meaning it had to be on the claim, along with prices for each item. We supplied them with the full CIF NSN list, with prices listen for each item he was issued... which Assurant proceeded to not use, despite adamantly requesting it. At this time, I should also mention I was dealing with chronic tonsillitis, and only got my tonsils finally removed on Feb 5th, and could barely swallow, talk, or really do anything due to how bad it was. I feel 10x better now that they're gone, but being ill was making it harder to remember to do things for the claim. That being said. I was still checking in and asking how Pedro was coming along, to which I was consistently being told that I had to "re-email" things since they "didn't show up". Which I can almost guarantee is BS, since emails are 2 way and I still have all of the info I sent to Assurant, all of which is perfectly legible. However, out of the blue, on January 15th, my claim was transferred to someone else, we'll call him K. K was... A good person at heart, I'll say. However, man was he LAZY. He refused to request his own copy of our police report, which as far as I'm aware, should be illegal, as that opens up the doors for fraud, which I made known to him repeatedly. Even still he wanted me to send it instead of him just requesting it from the police department himself. Keep in mind, January 15th. I had to request a new copy of the police report myself, as I was sent the wrong one when I originally requested the document (and not like to police department did anything about it, even though I repeatedly tried. They hung up on me every time). So I texted K back on the 29th when I received the document (FINALLY). He got back to me on Feb 3rd, stating he'd been out sick. Totally cool, I get it. I had sent it over email, as requested, and again there were "issues" with the document. Even though I could open it just fine through the email. I even sent it multiple times, all of which had "issues". As this was butting up to my tonsillectomy, I had to make K aware I'd be out on recovery. He got back to me on the 11th, giving me a call. I responded the best on day 6 of recovery (those who have had a tonsillectomy know how painful the scab process is), but it was just to let me know my claim had been processed and I was FINALLY getting paid. I had 6 months to claim the money, and as I had to close my bank account due to some financial troubles, I only just this past weekend was able to start the process to get the check. I'll have it by Wednesday, March 12th at the latest. But now here comes the nitty gritty. According to the Property and Casualty Insurance Provisions, "\[The\] payment to the insured or a person legally entitled to receive payment within 60 days of receiving the insured's proof of loss". Unfortunately that's just ExamFX's wording, and I don't know what the official source document is, so I turn to Reddit to help! What would be my next steps, if I were to report Assurant for malpractice? I think K is in the clear, personally, as from the time he was handed to report until payout was within 60 days. But P and Assurant as a whole should be reported for malpractice, at least in my opinion. My inbox is open for any questions, though I will not answer anything personal. I'll also respond to comments as I can. Thank you all in advance! UPDATE: I have reported them to my state's Insurance Dept. I will continue to update as I recieve new information.

So a few months back my secondary health plan changed because I made too much money to stay on the plan that covered the payments which my primary insurance didn’t cover for my therapy appointments. Today, I get a call from the therapist saying a few things: They didn’t have my secondary listed anymore(not sure why), my insurances United and mass health were not aware of each-other, and now I owe $550 for past appointments. What’s really annoying is when I had this insurance plan change, I made sure to talk to my therapist and office asking to make sure I was still covered, and I don’t remember if they gave me a *clear* yes or no, but I remember being told that it should be fine. My personal line that I drew for myself with therapy is I would stop going the second I had to pay a dime out of pocket for it(it’s been almost 2 years since I’ve started) So my question is there any legal repercussions if I don’t pay a dime to this debt? What options should I explore, if any at all. Do I just make a payment plan for 1 dollar a month? lol Obviously I feel very wronged by this, and insurance companies won’t give a damn about me telling them “oh no I thought I was covered”. Thanks for any input.

I was paying my mortgage online, noticed that mortgage paid my hazard insurance at $4860, when I was paying like $2800 prior year, called agent and asked Wtf, 10 days later he got it to 3800/yr, cars at Geico because best rate, Went to GEICO for homeowners and bundled with my car insurance now $2,680. Also GEICO takes 10minutes to get a quote.

So my son receives ABA services through a tier 1 provider. This goes through deductible and coinsurance. $650 individual deductible, $2000 coinsurance (minus prescription and copay, solely for him, the numbers mentioned don't apply to family deductible). $0 is covered until the $650 is hit, 80% is covered until $2000 is hit, then 100% covered after. So I call up insurance because last year's bills are much higher than expected. I don't even know the total yet for just last year. And I can't look at the online EOBs yet until tomorrow. So, $650 is covered very quickly. Then there's a $6000 bill (for one date of service) sent to insurance. 80% is covered, we cover 20%. This is where I get so confused. Apparently because the first day wasn't processed first ($11,000) and this $6000 was processed first, she said we are actually paying so much less money overall for the year. We have to pay for the 20%... But it doesn't sound like it counts towards the $2000? We might be paying a total of $4,000-$5,000 once this is all said and done. It went like this... "So if I've already paid the $2,000 towards ABA, why do I have to pay over that?" "Because you're responsible for 20% after the $650 is paid until you reach the $2,000. You're actually paying so much less because that $11,000 wasn't processed first, so you're coming out on top. Otherwise you would have had to pay $2,2000." My brain hurts. I don't know what's going on. That would have put me over the $2,000 and it sounded like he still wouldn't have been considered as reaching the $2,000.... Someone please explain 😭

Hi everyone. I brought my 5 and 9 month old kittens for a wellness exam this morning to show there are no pre-existing conditions to Trupanion. The vet ended up noting that there was a very small amount of tartar on just one tooth of each cat, and it was so mild she didn’t even know if it was just food residue or tartar. It also took her multiple tries to even see it. She did however note that the dental score for my cats are both 0, meaning there is no sign of disease or tartar (?). Trupanion is now saying that for the rest of my cats lives, any dental issues (other than accidental breaks) won’t be covered since it is a pre-existing condition. I’m at a loss for what to do… I know cats often need extractions and I chose Trupanion for their dental coverage. It is so frustrating that because of that one finding that was so mild, nothing will be covered. Does anyone have any experience with this and any advice? I’ve read somewhere that someone had their vet write a note saying it was not a pre-existing condition. Has anyone else heard of this?