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

So basically, I left a complex a month before my lease was up because we bought a house. The complex was aware we were leaving before the lease was up. Upon leaving, we knew we would be billed for carpet and we made them aware our renter’s insurance would issue a check to cover majority of the balance and we would cover the remainder. Well, my renter’s insurance issued a check and they sent the entire balance to collections like within a week of the check being issued. They stated they never received the first check after I escalated the issue to their district office. The insurance company issued a second check. They apparently never received that one either. Insurance company ended up issuing payment directly to me so I could get the balance settled. Payment was put in their hand February 18th. I got a notification this morning that they reported the entire balance to collections as paid. The district manager stated that she halted the collections process and was working with me for getting payment settled. I emailed her this morning about the collection reported. Is there anything I can/need to do legally? I’m just frustrated because it feels like they deliberately tossed the checks and reported the balance to collections because they’ve done the same thing to previous renters. I just want to know if there’s anything i need to do to pursue them legally or if contacting the credit bureau is the easiest solution.

Tl;Dr: Hertz overcharged me when renting a car. After customer service could not help, I opened a dispute, but on the wrong charge as I'm dumb. The dispute was closed and money returned to Hertz. Now they have sent multiple invoices requesting payment for this charge, and as of March 5 it has been sent to collections. Hey! So back in August 2024 I rented a car with some friends, to be picked up in San Francisco and returned to Las Vegas. We booked online and chose the extra insurance and have a layout of all charges in the initial email. We paid $350 CAD when booking. When picking up the car, we also added a secondary driver. The remaining $1680 was to be billed to the card already on file. When the email came through after picking up the car, I saw it was about $230 CAD above what I expected, but I assumed this was a damage deposit or something of the like. When we returned the car however, the final invoice was still about $230 above what I expected based on the initial booking invoice, plus the additional driver. This is also taking into account the charge for dropping off at a different location, the extra insurance, etc that was all listed in the initial email. Unfortunately, we dropped off the car late at night and flew home the next day, so there was no staff in the office to speak to. Fast forward a couple weeks, the two charges were posted and still remained, collectively, about $230 above what I was quoted, including the extras we chose. So I called Hertz. Customer support couldn't see any issue, but also said there was no manager present to speak to. They put in a request with their financial team to contact me. I was never contacted. A couple days later, I called again, and met the same result. I should have been more aggressive and demanded to talk to someone who actually knew how to look an invoice, but I didn't. Again I got them to request an email from the financial team. This time I did get an email from them, to which I replied and explained the situation.. And never heard back. At this point, I just opened a dispute with my credit card. Unfortunately, I still wasn't sure which exact payment was overcharged, so I opened the dispute on the initial booking fee of $350. This means that this amount is refunded back to me temporarily, pending the final results of the dispute. In hindsight, that was obviously not the way to go, but at the time I assumed they just didn't subtract the booking deposit from the final bill. However, this was incorrect, and by mid December, after Hertz replied to my bank, it was deemed to be incorrect as the overcharge had nothing to do with the booking deposit. The $350 was returned to Hertz on December 13th. They already have the money. However, in mid-January, I received an invoice in the mail from Hertz detailing that I owed $350, with an invoice date of December 29th. So two weeks after the money was already returned. Prior to this letter, I also called Hertz yet again, and finally got someone who felt sympathetic and refunded me the $230 I was overcharged. This was done through official channels as he sent the request to their financial team. I wish this had been the result at the beginning, but unfortunately here we are. Now I stupidly ignored this first invoice letter because I assumed that once their financial team did a year end balancing of accounts, the disputed amount of $350 would be seen to have been refunded back in December, and I just wouldn't hear from them again. However, that was not the case, I got another couple letters from Hertz. Two weeks ago, I emailed the address listed on this Hertz invoice, and explained, in rather pissed off terms I confess, the entire situation, and that the money had already been returned to Hertz. I made sure to iterate multiple times that they already had the money back that they were requesting. I got an email a few days later notifying me that my email had been forwarded to the Hertz collections team. I never heard any confirmation back from them. Now, today I received a letter in the mail from a collections agency stating that they have been given the charge and I have 3 days to pay or contact the office or it would be placed against my credit rating. However, this letter was mailed on March 5. And I checked the mail yesterday. It just got here today, 7 days passed their letter date. What is the best course of actions here? Realistically it probably isn't productive to hire an attorney to deal with a $350 collections charge. I will be calling the collections office today of course. But I wanted to get some advice from the fine people on here. I do not want my credit rating to be damaged. UPDATE: Spoke with the collections agent who handled this, and she hadn't gotten to processing my case yet. So my credit is safe for now. I sent her my credit statements as proof that the charge has been paid back to Hertz. She'll update me later after she forwards this to Hertz. If anyone has advice for how to handle this if for some reason Hertz doesn't back down, I would greatly appreciate it. Is it just a safer option to pay this charge, even if that means double paying them, rather than go through all the legal hassle? Like yes it's about the principle of not letting a company walking all over you with no recourse, but at the end of the day, I don't want to hurt my credit rating or have to deal with thousands in legal fees with no guarantee it'll be covered if Hertz settled.

In my naïve early 20s (single and no kids) I bought into a NWM adjustable CompLife policy. Then expanded coverage a few years later at the advise of my “advisor”. I haven’t thought much about it until now, when my new husband and I were looking at our cash flow. I’m now feeling that I need to stop my donations to NWM and be smarter with my investments. I’m not maxing out other retirement options (ROTH, 401), and I feel that would better serve our future. Here’s what I’ve got going on: CompLife policy #1 Started: 09/2016 Annualized premium: $1242.72 (Monthly premium: $103.5) Payments since sept 2016: $102 Total paid: $10,557 Net accumulated value: $7,244 CompLife policy #2 Started: 06/2019 Annualized premium: $1799.40 (Monthly premium: 149.95) Payments since June 2019: 69 Total paid: $10,346 Net accumulated value: $7,068 Total benefit: $500,000 Should I cash this out? Roll it into something else? I don’t feel like NWM has my best interests at heart and I don’t want to be throwing money at an inefficient scheme. TIA

**TL;DR - old dogs, medical history, am I stuck with my current insurer?** (that doesn't add any info to the title of the post but oh well. And yes this post is too long) I have two Portuguese Water Dogs, a [10 year old black curly male ](https://imgur.com/wFUAoUd)and an [8 year old brown curly female](https://imgur.com/xHxNAZn). As older purebred dogs, they've been to the vet once or twice ;-) [Besties](https://imgur.com/sPSnlRh) (and cousins) My dogs have been insured with the same company (H.P.) from as soon as they were eligible as puppies - 8 weeks plus the obligatory waiting period. I would love to be able to leave this company as they have become quite expensive, and their incompetence processing claims for us is truly staggering. They reflexively reject claims as "not covered office visit" when the claims are not for office visits. My dogs recently ate raisin bread (ugghhhh) and so there are a lot of vet bills and it's been three times now they've done the exact same rejection pattern - despite my calling in and saying "you've rejected correct claims before, can you please process these correctly". Apparently they can't. They are owned by a billion dollar company (Chubb) and I guess they need my money for the CEO's granddaughter's golf lessons or something. Maybe it's not intentionally trying to rip me off. But if that's not it then they've been unbelievably incompetent. Which is worse?? Of course I have no idea what the future holds for these dogs - whether they'll need care for preexisting conditions or not (or for something that the insurance **says** is a pre-existing condition.) The older boy had a mysterious illness as a puppy so that is in his record (though from another vet in another state, maybe it wouldn't ever be found); he's had positive Lyme titers on more than one occasion; and he had acute kidney injury (based on his creatinine) from the raisin incident that may or may not have resolved. The girl never showed abnormal values from the raisins but got IV fluid treatment so it's in her record. She also has been seen for recurrent UTIs that are controlled with special food that controls her urine pH. Backstory is We previously had two PWDs [D & B](https://imgur.com/WN920VF), ten years before D died of cancer and one of them ended up in the ER and as the result of a complete medical and administrative dumpster fire, we ended up spending low five figures to keep her alive AFTER the vet practice KNEW she was completely riddled with pancreatic cancer. (Dog medical stuff is no fun!) We had to take out a loan from one of those companies that has brochures on the reception desk of vets, plus put a lot on credit cards. :-( After that experience we resolved we'd insure our new dogs and went with HP because they had no lifetime limit, and we didn't want to have to make a dollar decision on a dog's life. Also at that time I don't think HP was owned by Chubb (?) They seemed like a small soulful outfit out of Seattle and genuinely wanted to provide a service to pet owners. I may be wrong about that though. At any rate Chubb owns them nowand probably the original owners are enjoying their retirement in a 7000 square foot mansion in Bali built entirely from reclaimed Indonesian teak temples. But I digress. So - I'm stuck with my existing insurance? Pre-existing conditions seem to be ixnay for the pet insurance industry (for reasons amply explained in this sub), and if there are any loopholes or allowances it seems like my dogs are exhibit A for not fitting through. Thoughts / insights / advice / comments on how cute my dogs are, much appreciated.

So a uhaul caused a 4 car accident and drove away police wont do shit cause its the bay area and uhaul wont do shit cause its uhaul they said 15k divided by the 4 cars and that can take 6 to 8 months.....my car is 50k and totaled 90 percent sure. my collision deduct is 1000 and comp 500. How much will that cover for a 2025 model 3 awd quicksilver with 100 miles on it at the time of the accident. my tesla appt aint till 3/31 accident was on 2/25.....what do i do sue uhaul? will tesla insurance go after uhaul sucks cause i predicted all of this shit service and policies

Hi, I just wanted to share my experience with Lemonade after having gone through cancer with my recently passed kitty, Tortilla, who was 6 years old both when we bought her plan and at the time of her passing. She had large cell GI lymphoma that suddenly appeared in early May. I got her plan (premium preventative care package, 100k spending limit, 90% reimbursement with $250 deductible, end of life coverage, dental disease coverage, vet visit fees). We had over 7K in vet bills, but lemonade actually covered around at least 6K I believe. I actually only got her a plan because one I somehow had a horrible feeling something terrible would happen to her (I hate and am grateful that I planned for that but I wish I had for no reason) and two because we had adopted a dog (her name is Lexie) who we bought insurance for too late and she had a million pre-existing conditions that basically rendered nothing covered for her. We wound up going the palliative care route, and unfortunately we didnt get much time I believe not even a month passed before she left us after her diagnosis. But, the bright side of this horrible experience was we were not saddled with thousands in debt since my family and I are not doing so well financially this year. They covered 6K of the treatment and diagnosis bills, and completely covered end of life fees and memorial items. I am so grateful I decided to buy her plan. Now, the negatives. Tortilla worked out great since she didn’t have a history of illness till the cancer and only had preventative vet visits in that history with no illnesses popping up. I will say, though, the approval waiting period was insanely long. Took like more than 2 weeks for reimbursement, but they did approve us for a crazy amount (at least to me). So if that’s important to anyone, keep in mind the bigger value claims take a longer time to get approved. With my dog Lexie, however, this did not work out as well… As a first time dog owner, I did not realize how many health issues a dog could have. My cat Tortilla came first, I’d had her for nearly 4 years (adopted her in Sept. 2020) at the time of getting my dog (April 2024). Tortilla was always healthy and vibrant, and while I wish I would have been more proactive with vet visits, I can’t change anything now. So, my mom and I decided to hold off on getting pet insurance for the first few months. Horrible mistake. My dog happened to have basically a weak weak stomach and everlasting GI issues causing behavioral issues (from pain) that are still unresolved to this day. She’s been in and out of 6 vets with over 13 visits since last year. I was only 19 during this and had no idea what to do and neither the idea to get pet insurance since I was so overwhelmed, and most of it fell on me since my family wanted to keep Lexie and I also didn’t have the heart to give her back to her rescue. So, I fought hard to get her diagnosed and treated, which I’m still fighting to today. But, now my mom and I have spent probably over 5K on her vet bills too (on top of Tortilla’s). I might as well have lit the money on fire that’s how helpful everything has been. So finally we got her insurance in early September, only after having her behavioral issues diagnosed. This was a horrible mistake on my end because now nothing was covered. So, long story short Lexie saw a million different vets (including a vet behaviorist) and absolutely everything I filed for was pre-existing and none of that 5K is covered. I don’t think this is all Lemonade’s fault or anything of the sort, it’s just an unfortunate situation because I was misguided and overwhelmed back then by both Lexie being a young puppy with behavioral issues and GI issues. Overall, I honestly would recommend Lemonade for anyone signing up a new, young pet or even an older pet with no pre-existing conditions. I’m not sure if I would recommend it over others, like PetsBest or Trupanion (although I have been seeing some pretty insane price spikes for others from Trupanion). I’m still weary but since they were so helpful with Tortilla (even if it took a bit) I decided to stick with them and signed up my two new kittens we adopted before she passed and made sure to sign them up early (3 weeks after adoption). I also would say a positive was how easy it was to file claims and speak with your claim rep. I don’t really like talking over the phone, so it was nice just talking via email, text, and the support center. It was also a very smooth process to file the claims, since everything is just in the app and you can customize the types of procedures and costs you’re inputting (there’s options to put general diseases already in their database while filing a claim but you can add custom text which I found helpful). So yeah. I honestly don’t know if the grass is greener for other companies, but I feel like most insurance companies are not exactly looking out for the pet or even human as their priority, and I feel Lemonade isn’t too too much like that. Hope this was helpful for anyone that read through all of it, thank you!! TLDR: Lemonade was very helpful for my cat with no illness history that contracted sudden cancer (reimbursed over 5K-6K). Not so helpful for my dog as she had pre-existing conditions so nothing was covered, but if anything new pops up it should be OK (she’s still a young dog). App is very navigable and easy to use, claim support staff is helpful and friendly, larger bill claims can take awhile to process though (took 2-3 weeks for Tortilla’s bills). Can’t really do phone calls, but I did prefer the email and text system (personally).

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.

Hi guys. I have Pets Plus Us for my cats. A little while ago my cats were exhibiting signs of asthma, the vet said that if it’s only infrequently then he doesn’t see the need for medication but that if I really wanted to he could give us a trial amount of prednisone to see how it works. I agreed, and when I submitted the documents the insurance wouldn’t cover it because the doctor wrote in the notes that I insisted on trying the meds not the doctor. Anyways, rewind to now. My cat has a serious case of diarrhea. The vet suggested a PCR. However since he’s an indoor cat I highly doubt any parasite or virus will be the issue. My friend who works at a different vet clinic recommended I get my vet to do an ultrasound. However, I’m very nervous to suggest this myself instead of my vet suggesting it because I’m worried my insurance will deny the claim if the vet writes in the notes that “owner requested an ultrasound be done” instead of the vet being the one to suggest it. Is this a real concern? If I want insurance to cover any treatment or diagnostics, should I avoid making and suggestions or requests to the vet so that any tests that are done are only at the suggestion of the vet? Money is a big concern right now since I lost my job so I don’t want to risk getting my claim denied. Thank you in advance!

I attempted to enroll my wife in a Pennie health insurance plan with a July 1 start date, even though she won’t physically arrive in the U.S. until July 8. She’s entering as a lawful permanent resident, and as I understand it, that status only becomes official when she enters the country and gets the I-551 stamp or green card. When I called Pennie, I expected them to tell me to wait until she arrived. Instead, multiple reps told me I could start her coverage as early as June 1. They said as long as I uploaded her green card by the September 18 deadline, everything would be fine. At the time, I followed their advice. But now that I’ve gone through the actual policy language from Pennie, I’m second-guessing the whole thing. From what I can tell, coverage can’t legally begin until someone is lawfully present. That would make July 1 an ineligible start date since she won’t even be in the country until July 8. It also looks like coverage normally starts the *first of the month after enrollment,* which makes me think August 1 is actually the soonest possible date. So now I’m stuck wondering what happens if I submit her green card later and it clearly shows that she didn’t become eligible until after the start date I selected. Will the system flag it? Will coverage be denied or quietly canceled? Do I need to withdraw and reapply once she arrives? I’m looking for input from anyone who really understands how Pennie processes these kinds of cases—ideally someone with inside knowledge, or a rep who has seen how this plays out in practice. Any analysis or clarification would help a lot.