I knew this was coming from seeing it happen to others but I got my policy renewal notice and our annual cost went from $347 to $505. I know this is far from the worst increase but it is still annoying. He hasn’t had a claim since 2023 and is only 4 years old. Is there anything I can do or say to them that might get this lowered a bit? I worry what his premium will look like a few years from now if they continue with increases at this level. I also am bringing home a puppy next month and have been going back and forth about insuring them through PetsBest or trying something new like AKC or Trupanion. Any thoughts on that?

I have a two year old mixed breed dog he has been on Fetch pet insurance since I adopted him as a puppy. I was paying about $25/month. The first year I did not make any claims so it did not increase. This past year I did have to make about $5,000 in claims which led to an IBD diagnosis. I have not made any claims since then. I just got my renewal notice and the new monthly cost is around $60/month. This doesn’t seem reasonable for the low coverage limit I have. This seems like an excessive increase. Is it worth switching pet insurance to something that has better coverage and is less than half the price but won’t cover pre-existing conditions and just saving the extra money for when it’s needed? What would you guys do?

Hello, and thanks in advance for any suggestions. I have a 2024 and a 2025 FSA - for simplicity lets say theres 750 in each. We had a hospital stay for the birth of a child, admit on 12/30/24 and discharge on 1/2/25. Total bill 800. I need to pay the 2024 expenses with the 2024 FSA, and 2025 with the new 2025 FSA. Hospital tells me to contact blue cross, blue cross tells me to contact hospital. Neither FSA companies help. Hospital gave a detailed invoice, but the invoice is a mess and impossible for me to split into services given in 2024/2025. The invoice shows the full charges before insurance. i asked blue cross to provide me with what I an responsibke for, split between the two years so I can call and manually charge each FSA for thier respective years… then pray the fsa will take the invoice as a reciept cus I cant get an EOB split by year… This is all a mess, Im exhausted with a baby and JUST WANT TO USE MY OWN MONEY I paid into these stupid FSA’s. To make it worse my employer chsnged FSA providers so I have 2 seperate fsa companies to submit these charges. Any tips?

So I have really bad neuropathy and have had for like 15 years. Can't feel anything below my knees. I developed a foot ulcer that was just not healing and after going to a foot specialist for 3 years my GP sent me to a wound specialist in Jan. My company had just switched to united health care so I wasn't very familiar with them. I went to the wound specialist every week or every other week for 2 months and I was actually seeing a lot of improvement and was feeling pretty good about it when my insurance told me they were denying a lot of the services so now I owe over $6,000! And this is on top of the $200 I had to pay every time just to go see him as a specialist. But the things that they are denying are things like the wound pad and the gauze that they wrapped my foot in for me to leave the office. The Doctor cuts away a lot of old flesh every time and its on the botton of my foot so am I just supposed to leave his office with a big open wound? Am I supposed to bring my own gauze? It's also saying that I got a device several times, but I never got any type of device. Also the amount that the doctor's office is charging for just a little bit of gauze is insane. It's saying that the gauze or pads are 16-48 sq in and they were just small squares so maybe my doctors office was padding the bill, but I'm not sure. I've tried appealing it but what else should I be doing? I've stopped seeing the doctor because I can't afford that so now I'm just back to not healing and having a constant worry that it's gonna get infected and I'm going to end up having my foot amputated. The claims say things like: Service description: A saline- or hydrogel-soaked gauze pad, 16-48 sq. In., used to cover a wound. The dressing protects the wound. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Service description: Any one item used during a surgery. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description Any sealant, protectant, moisturizer or ointment. The product is used no to protect nntont the the skin ckin against against tears tears or or breakdown breakdown caused caused by by tape or other adhesive material. Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128) Service description: A sterile pad, 16 sq. In. Or smaller, made of gel fibers to cover a wound. The pad is used as a protective dressing Claim codes: Benefits for this service are denied. Your plan does not cover this medical supply, prosthetic, orthotic appliance, or durable medical equipment. Please refer to the Exclusion and/or the Additional Coverage Details of your plan document for additional information. (CAD128)

My ADHD prescription has all of sudden stopped being covered by BCBS TN. What’s the fastest way to contact them to resolve this? I have emailed, chat function not available, and I have now been on hold for 3 hours. Has this happened to anyone else? I’m currently at Walgreens don’t know if that matters. But again, it has been covered in the past. It’s not feasible to pay $100+ for a prescription every month nor do I want to.

Just got my renewal notice, and my car insurance jumped to $280/month out of nowhere. No accidents, no tickets just the usual "rate adjustments." I drive a 2017 Toyota Corolla, full coverage, and I’m with State Farm right now. I mostly use my car for commuting (about 30 minutes each way), and I’m in my early 30s. For those of you with clean records, what are you paying, and who are you insured with? Thinking it might be time to shop around. Appreciate any recommendations! 🚗💨

About two months ago, I took in a stray cat. On his second vet visit, I brought him in because I suspected conjunctivitis-his eye looked irritated. The vet also mentioned the possibility of entropion but said I’d need an eye specialist to know for sure. I followed up with a veterinary ophthalmologist, and they diagnosed him with eyelid agenesis, not entropion. It required a $4,000 surgery, which I went through with to give him a better quality of life. Unfortunately, Pets Best denied my claim saying The eye issue was mentioned at an earlier appointment, so they’re calling it a pre-existing condition, even though the actual diagnosis changed significantly. Has anyone had any success appealing a claim like this? Is there a way to argue that it’s a completely different condition? Or does the fact that “something was wrong with his eye” early on automatically void any coverage?

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

I live in Texas and have seen the reports about BCBS. I have Aetna insurance, purchased through Marketplace, and today I found out that my primary care provider, physical therapy, and pain management specialist are no longer in-network although they were a week ago. My PCP did not even know that the contract with Aetna was no longer valid - she found out while trying to set up a referral for me. Is this a fluke or is something bigger going on with Marketplace insurance?