I have a renters insurance claim due to a total loss from roof collapse and flooding during a storm. I sent in the inventory list (replacement cost policy) and there is about 10K in depreciation. My problem is I had $4k + (remaining after 2 weeks in a hotel and food) with loss of use but my adjuster gave me two weeks to move into a shoebox compared to a huge townhouse I had. I can’t even buy the vast amount of things I lost due to the sheer size of where I live with no storage (I have one closet compared to a whole finished basement and utility room). The list they sent with the check for actual cost is in my hands. The list is printed and huge (mine was a spreadsheet). I’m not happy. Quite frankly if I was given more time to use my loss of use (we did 2 weeks in a hotel for a permanent move) then I may have a larger place. I want my money back (replacement cost) and almost wish I negotiated a settlement. I’m not sure if that’s still possible but what’s the best route here since

Thinking about moving my primary residence into a trust. However, I was grandfathered into a state farm home insurance very affordable for my location and I doubt I’ll be able to get my home insured since it’s now high fire risk since a map redraw. I am also thinking about moving my home under a trust. Does changing benefiacury of a home insurance incur a risk of losing my current policy (like separate underwriting is needed?)

I’m so disappointed right now, I call them so many times and im denied from badger care ever since I turned 19, I have to make under 15k and 1,200, and also I got fafsa but ik their policies said it’s counted but not really lol, I know I make over it, it still doesn’t help, I don’t know what to do they do give me this random ass number marketplace and should I call them? I’m sorry im so disappointed I feel bad for college students

I’m new to the private insurance world, so if anyone knows the answers to these questions, I will take any bit of knowledge given. Here’s what I’m working with:  **-Priority health - HMO ($1,300 family deductible) -Through my employer, Corewell Health** **-State of Indiana Anthem - Healthsync POS with HSAS - ($6,000 family deductible) Through my husband’s employer in the state of Indiana**  * ***How do deductibles work? Policy states "You have to meet the deductible before coverage kicks in"?***  \[I’ve had Priority Health since 1/1/25 (Anthem did not become active until 3/1/25). Priority is saying I have met my family deductible of $1,300 but I am positive I have not paid anything remotely that close in office visit copays or on prescriptions. I’m happy about this, but it seems to me that I had some sort of coverage since the deductible is already met.\] * ***Is it beneficial to notify both insurance companies so that they are aware of “the coordination of benefits”?***  * ***Can I pick who my primary insurance is (for doctors' appointments and prescriptions)? Or does it not matter who is primary and who is secondary?***  \[I might be speaking too soon, but despite the higher deductible, it seems like my husband’s insurance, Anthem, is better.\] * ***Insurance math…??*** I recently picked up a prescription, and the pharmacy processed the insurance claims as follows: * Priority Insurance (primary): $15 copay * Anthem Insurance (secondary): $11 copay The pharmacy combined the two insurances and calculated the total copay to be $7. I'm unsure if this was processed correctly. My question is, with two private insurances, shouldn't the prescription be covered in full, resulting in a $0 copay? Additionally, will I still be responsible for paying an office-visit copay for in-network doctor visits under both insurance plans? \[My logic is that if I'm paying full premiums for two insurance companies, I should receive full coverage between the combined two insurance companies."\] * ***Do I have to run both insurances when filling a prescription?*** \-My husband is prescribed disposable insulin pumps, which required a prior authorization. However, the PA process took months to complete due to communication issues between Corewell Health and Priority Insurance. Fortunately, his disposable insulin pumps are now fully covered by Priority Health. Here's the question: Until the prior authorization expires, is he required to file claims through Anthem when picking up refills? Note that Anthem became his new insurance provider on March 1, 2025, through his employer, and was not involved in the current prior authorization. \[There are numerous prescriptions that Priority Insurance refuses to cover, but Anthem will. It seems like having to use both insurances could be a double-edged sword. The primary reason I have two private insurances is to mitigate the issues with prescription plan exclusions. Specifically, one insurance company will cover certain medications that the other will not, and vice versa.\]

**Odie is taking my monthly money and not holding up their end of the bargain.** I was switched to Odie from ManyPets when ManyPets sold and want the world to know: ODIE IS A SCAM. GET OUT WHILE YOU CAN & DEF DON'T SIGN UP. Aside from the significant increase in monthly cost and 20k coverage limit on a previously unlimited plan, Odie is...nowhere to be found. My claims are not being processed, nobody answers the phone, the chatbot isn't responsive, and I literally cannot get any information. **I've filed a claim with the Better Business Bureau, providing screenshots of everything. Anyone else???**

I put my three dogs on MetLife’s family plan sharing one annual limit and deductible because it was the only company doing it and all the others including Fetch, who I already had, were getting way up there on premiums, especially for my oldest dog. Started out sharing $10k annual, $250 deductible, 80% reimbursement, around $115/mo. Dogs were 9, 6 and 4 mo. After one year and no claims MetLife bait and switched me, lowering my deductible to $200 and raising the price by $30. Their other offerings for less were with higher deductibles that didn’t result in anywhere near my original set up in cost. I was ticked off but ended up doing nothing about it. And yes, I know the rates go up as they age. Renewal came up and they did it again, changing my limit to $10500, lowering my deductible to $150 and raising my premium by $80 to $228/mo!!! I never put in a claim this whole time! I work at a vet hospital and get a discount, did have one dog worked up with labs that didn’t meet the deductible so didn’t bother. However, I imagine as far as other carriers are concerned he now has a “pre-existing condition “ even though we didn’t reach a diagnosis other than polydipsia. So I called MetLife and went through various policy scenarios to see what that dog would be by himself, moving the now 2 1/2 yo to to a different provider and dropping coverage on the now 11 1/2 yo which I hate to do. I ended up keeping everyone covered at $250/80%/$5k for now at $144/months. Makes me nervous as a previous dog took me up to $8500. But this buys me time to decide what to do. Has anyone here had experience actually putting in claims with MetLife? How were they in honoring claims? Did they yank you around changing coverage and raising premiums substantially at renewal?! You would think there would be some kind of reward for not needing to submit claims! These tactics are BS!!!

Hey all, Ran across something weird today. I was notified by my son’s pediatrician office that his provider was not covered under our insurance plan. We have been going to this provider without issue and picked this provider based on the fact that when we searched him on our insurance website, it listed him as in network. I contacted my insurance company, and they reported to me that on initial search based on NPI, he was a covered provider. I called the billing office back and they said to give the insurance company the tax ID to search. I did this, and my insurance said the tax ID was not covered, but when the tax ID and NPI were provided, it was listed as covered. My insurance called the billing department, and they told my insurance that they do not accept my insurance plan, only certain policies under my insurance provider, but not my specific plan. The medical office told me they would be resubmitting the prior claims since they should not have been processed as “in network” and that I would be responsible for payment since it’s out of network. I can’t make any sense of this. All prior claims from the visits were processed and covered by my insurance, but now the medical office is claiming that they have always been out of network? Why would they have been billing my insurance if they were in fact out of network? Any help or insight would be helpful!

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.

Hello! I have Guardian Dental insurance. I just received a bill where I am responsible for $217 - Guardian only paid $47.00. Services billed were D0120 and D4910 (Periodic Eval and Periodontal Maintenance). I went on my Guardian account and it says that both codes are covered 100%. They are both under preventative and the coinsurance is listed as 100%. "Detailed and extensive oral evaluation (D0160) is not covered. **Oral evaluations, including codes** ***D0120***\*\*, D0145, D0150, D0170, D0180 or D9430, are covered once in any 6 consecutive month period.\*\* The limited oral evaluation - problem focused (D0140) is not included in the frequency limitation or last visit date." "Periodontal maintenance (D4910) is covered under the Basic service category. Adult prophylaxis (D1110) is covered age 12 and over. Prophylaxis (cleaning) (D1110, D1120) or **periodontal maintenance (D4910) is covered once in any 6 consecutive month period."** My date of service was 3/6/25. I have not had any other services in the last six months. My last visit was 9/3/2024. My deductible is $50, "Yes" means waived for preventative. To date, I met the $50 deductible and Remaining is "0". || || |Individual Dental|Out of network|$50.00|Yes|$50.00|0| ||In network|$50.00|Yes|$50.00|0| My deductible is $50 and it says I paid it... and my coinsurance is 100%? So even for preventative services, this means I'm responsible in paying all of my dental care beyond the first $50? My yearly plan limit is $1000. What is even the point of having health insurance? Is this because I got basic coverage instead of full coverage? I guess I'm ignorant and thought that preventive care would be covered. I feel really stupid right now! I tried calling, but they aren't open. Any assistance to help me understand is appreciated.

Attaching the response(s) from Healthy Paws' CEO and team, including mine back. You can't make this stuff up.... Original context: Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Oh- and they limited comments on their Instagram after I have been posting this increase there too.