I have United Health Care’s high deductible plan, which I chose vs the lower deductible when I started my job 3 months ago for the HSA and because I have no medical conditions and rarely see a doctor. I’ve developed neurological issues the last month that have required a doctor visit, MRI, and now a follow up and likely more testing with a specialist. The doctor visit was $177 after a discount and MRI was $621 after discount. Does insurance even with that plan really not pay anything more? My old plan through my old job was high deductible with HSA, but bills were still only $70. At the rate I’m going, my old and new HSAs will be drained well before I hit my deductible, so I won’t have money to pay the bills. I guess the short answer is the doctor offices won’t get paid until I have the money, but is there anything more I can do? I can’t imagine how expensive seeing a neurologist will be plus whatever tests they want even if in Network.

My husband works for a company headquartered in Virginia, though around 1/4 of their staff are in NC. They recently switch their health insurance from Cigna to Sentara, which I’m sure is great for the Virginia folks but our nearest in network hospital is now a 1.5 hour drive from here. This seems like it would violate some sort of MEC requirement? But I don’t know enough to know and my husband has not been able to get in touch with HR for answers.

Today I bit the bullet and got Embrace. My mom has spot for her animals but only accident and illness. I chose embrace because it was a little better financially and would cover wellness exams. I wanted to see everyone’s opinions on different insurances. I get the impression that many don’t like embrace which is a little worrying to be honest, but I’m going to wait and see how I like them after I get my dogs anual done. She’s older and I just wanted her to be covered by something before I bring her in. Seeing that most if not all of the insurances will not cover anything preexisting. I did ask about a preexisting condition in my dog (torn ACLs) and if it would be covered since that hasn’t been an issue for years. The lady I talked to said that since it has been an issue in over 12 months it would be fine, which I found pretty surprising tbh. She explained it like - if your dog had a belly ache 3 years ago and it came back that’s something they’d cover. But if it was a chronic thing before you started insurance then no.

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. Thanks!

Using a throw away account... I have Kaiser through work. Since I've been on my current plan for the past 3 months, Kaiser has terminated my insurance on the last day of the month. According to the payroll company (ADP), my benefits are valid and from what I can tell, dental and vision (not through Kaiser) are also valid. I don't understand why this keeps happening. The only thing I can think of is that it's a Northern California plan and I live in SoCal. I lived in SoCal when I selected my plan and was told it shouldn't be an issue, but now I'm questioning that. Last time it happened HR confirmed that it shouldn't again, but here we are. This is a tremendous hassle every time it happens since both my husband and myself need to have our SoCal and NorCal medical record numbers linked and then it takes several days before we can access anything on the website in our region.  Does anyone have insight into how or why this keeps happening? I'm at my wits end.

I recently had to bring my 8 year old Alaskan Malamute (no pre-existing condition) to the vet 3x this month and wanted to share our experience with PetsBest. Here is our coverage: **Unlimited Annual Limit, $500 Deductible, 10% Co-Pay, 90% Reimbursement Level, "Elite" Plan** Members October 2023 = $1,297.20/year or $108.10/month Renewed October 2024 = $1,567.80/year ($1,175.85 paid so far) or $130.65/month Total paid to insurance as of June 2025 = $2,473.05 **June 6: 1st Emergency Visit** I brought him in due to a nasty hotspot on his tail. He had to be sedated for the clip and clean and was prescribed multiple medications (gaba, traz, steroids, antibiotics, and animax). He was also given a Cytopoint shot for $240. Total: $881.92 Not Covered: $6.00 (Hazardous Waste Disposal) Deductible: $500 Co-Pay: $87.60 Reimbursed: $288.32 *Claim took 2.5 weeks to process* **June 22: 2nd Emergency Visit** Started having diarrhea and throwing up June 20. Became lethargic. By June 22, he was on 3 days without a meal and chronic vomiting and diarrhea. Doctor did a Full Panel (CBC, Chem 17, Lytes) & Ultra Sound to rule out underlying causes and blockage, administered fluids to rehydrate. He also needed to be sedated during the Ultrasound. We were able to take him home with probiotics, anti-nausea, and antibiotics. Total Cost: $2,513.34 Not Covered: $119.48 (Hazardous Waste Disposal & Probiotics) Co-Pay: $239.38 Reimbursed: $2,154.48 *Claim took 2 days to process* **June 23: Picked up Appetite Stimulant from Vet** Total Cost: $270.62 Co-Pay: $27.06 Reimbursed: $243.56 *Claim took 2 days to process* **June 25: 3rd Emergency Visit - Overnight Stay at the Vet Hospital** He was on day 5 without food, we were unable to consistently give him medication because he couldn't keep anything down. At this point, he was very very lethargic, stayed in bed all day, and was still having diarrhea. We were starting to get really worried as he has started to lose a bunch of weight. Doctor concluded that he should stay overnight as they will need to administer medications and fluids through an IV, feed him through a tube, and do an x-ray. Recommended diagnostics included fecal testing and cortisol test. We were able to pick him up June 26: His cortisol came back normal, ruling out Addison's disease. Fecal Testing came back Negative. Total Cost: $4,776.24 Not Covered: $18.54 (Hazardous Waste Disposal) Co-Pay: $475.73 Reimbursed: $4,281.97 *Claim took 2 days to process* **SUMMARY** Total Costs: $8,442.12 My Out of Pocket Costs: $1,473.79 Insurance Covered: $6,968.33

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

Can anyone give me tips on how my Ucare/DentaQuest can cover my teenagers braces because she has a very wide noticeable gap on her teeth from the fact that she was born with an extra tooth and had to get it removed and rarely smiles with her teeth anymore. She’s done 2 orthodontic evaluations for them and they keep denying her but she really does need them and that’s all she’s asking for her birthday this month but they keep telling me she needs a medical reason or doesn’t fit the certain conditions they approve but I can’t afford to pay them out of pocket.

I bought a almost new used camry and i almost got into a huge wreck this last weekend, pretty much I was fishing and this drunk idiot sideswiped my friends car with his boat while pushing his empty trailer nearly off the cliff towards the river, thankfully the hitch stayed locked in we were able to drive it to safety minus scratches either way they exchanged information. Afterwards, we were talking about it. I still owe almost 30k for my brand new camry even if I didn't notice who the driver was Would there be any way that gap would cover my car if it were to have fallen or got heavly damaged due to the small cliff? I.had previous vandalism to my car last year and it was a headache through insurance

Six months ago when Progressive abruptly raised my 6-month premium rate by 20% the only explanation given was that "auto parts prices are rising quickly". Today Progressive raised my 6-month premium rate again by another 20% with the only explanation "high inflation in California". $1800 every six months is insanity. My car is nearly 10 years old and I only drive it to grocery store and maybe a restaurant now and then. I'm 60+ with clean DMV. What is Progressive trying to do there ? Is this legal or outright fraud ? If it's legal are they attempting adverse selection to eliminate California policies ? ( I've read about this for home insurance but not auto. ) What should I do ?