Hello all, I am desperately trying to find health insurance coverage for my pregnant wife. She graduated college in December and went from a CNA to an RN with a start date of March 10th. Her HR told her that she would have a new open enrollment and that she could let her coverage lapse and gain new coverage when she started as an RN. This was before we knew she was pregnant and we were going abroad for a while and so we did not renew the insurance for 2025 thinking that we would just start it again in March. We thought that because she was still employed, there wouldn't be a waiting period for when she got her coverage but we found out today that she won't be covered until June. She is due in August so we definitely need tests done before June. We got denied on Pennie for a qualifying event (PA marketplace), short-term policies don't cover pregnancy, and I am under my mom's coverage so I don't have a policy she could come to. Please, if anyone has any insight into this, PLEASE help!

My Honda CRV 2018 , 48k mileage was rear ended. Bumper damage and tail gate damage. Adjuster estimates says 3.5 K , the auto body shop says repair cost of 14.5 K and insurance company wants to do total loss and settlement of 21k. The shop **initially quoted $3,327.12**, but **after a deeper inspection**, the full cost is now estimated at **$14,412.00**. * This includes **parts ($7,059)**, **labor (body, paint, mechanical)**, **paint supplies**, **miscellaneous charges**, and **sales + county taxes**. # 🧾 What Was Added That Drove Up Cost? Here are some **major cost drivers** from the supplement: 1. **Rear Floor Pan Replacement**: * Part: $1,408.27 * Labor: 29 hours (!!!) * Paint: 2.5 hours 🔥 This is a **huge contributor**. Frame/floor pan replacement is structural and complex. 2. **Lift Gate Replacement**: * Part: $1,701.68 * Paint + labor included 🚨 Signals **major rear-end impact** 3. **Rear Body Panel**: * Part: $877.58 * Requires alignment and seam sealing 4. **Multiple panel repairs, refinishing, seam sealing, underbody work** 5. **Parts & Hardware**: * Several **aftermarket parts** were used to reduce cost (bumper cover, impact bar, moldings) * OEM parts were selectively used (e.g., optional OEM upper molding for $428.48) I am surprised with the high estimate. should I accept total loss and take 21K? anyway to negotiate higher. I was really not set for this time for another car purchase. My daughter is ready for college this fall was busy to manage her finance for college. should I try second opinion from another mechanic.

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.

I originally signed up for the Chase $900 bonus approximately 18 months ago, but didn't end up depositing any money into either the checking or savings accounts (ended up not having enough liquidity at the time due to unexpected events). They ended up closing both accounts after 30 days with a $0 balance on both. I confirmed this with a Chase representative on the phone. However, he claimed I was not eligible even though I would appear to technically meet the eligibility criteria (account not closed in the last 90 days; no accounts closed with negative balance in the last 3 years; only allowed to receive one new checking and one new savings account opening bonus every two years from the last coupon enrollment date and only one bonus per account). He claimed that I had closed my account too recently, even though the plain text of the offer would seem to suggest otherwise. Has anyone had any experience with a situation like this? Is there something else I'm missing here as to why I might not be eligible? Will Chase let me know whether I am eligible or not when I open the accounts? Or do I only find out when I end up receiving (or not receiving) the bonuses? Thanks in advance for any advice.

My health insurance company won’t use the word “covered.” They only use the word “consider,” even when the category is “benefits and coverage.” One of their agents told me they can’t use the word “cover.” For example, in a recent communication they said, "Home health care must be approved in advance, (pre-authorization), and is limited to 90 visits per plan year. Once approved, services provided by an In-Network PPO provider will be considered at 100 percent of the allowable charge with no co-pay. “ This statement doesn’t make any sense. They said it has been “approved.” What is left to “consider?”

TL;DR: Employer canceled insurance benefits without notice while on FMLA due to nonpayment, despite efforts to pay. Hi, there. I’m currently on a medical leave of absence from work, and have been experiencing some difficulties with my FMLA/insurance benefits. I’m new to this, so any input would be appreciated! My leave began the last week of December and I’m set to return on 3/24, the last day of my FMLA protection. Since my leave started, my main priority was getting my insurance premiums taken care of so as not to lose my benefits, especially since I’ve racked up substantial medical bills over the course of my leave. I reached out to my benefits department, and was instructed to reach out to a third party (WEX) to make payment, which I did. WEX informed me that there was no balance due reflected on their end, and to reach back out to benefits. This back and forth has gone on for months now. At one point, they told me to reach out to BCBS to make payment, and BCBS acted like they had no idea why I was directed to them in the first place. I’m over 10 weeks into my leave, and have not received a single correspondence about my health insurance until today. Not a phone call, email, or letter. I did, however, receive a bill from WEX for my vision and dental coverage, but nothing whatsoever in regard to my medical coverage. Once I received the dental/vision bill, I called same day to make payment and was told, again, that there was nothing in the system to apply payment towards. Reached out to my benefits department again, and they said they could see the unpaid premium for my dental/vision. Called WEX again, and after escalating and speaking with a supervisor, was told that the reason why I was unable to pay my dental/vision is because the plans had been cancelled due to nonpayment. When I reiterated several times that I’ve been trying to pay for quite some time by that point, I was told that if I mailed the payment ASAP, there is a “strong possibility” they might reinstate the plans. I mailed the check the following morning, and am hoping it works out in my favor. What I’m most concerned about, though, is my health insurance. I spoke to someone in our benefits department in February, and was told that because I’d exhausted my PTO the first half of January, my insurance premium would have been deducted from one of those paychecks. According to the representative with whom I spoke, “January was covered.” I told him I’d received bills for my dental/vision coverage, but still hadn’t received anything for my health insurance. He told me to just wait a little bit longer for it to show up in the mail. Over 10 weeks later of non stop calling and trying to stay on top of things, and I still haven’t gotten anything. I expressed that due to the nature of my leave, I really needed to keep my insurance coverage, and was terrified the third party was going to cancel my policy for nonpayment. He reassured me that the only one able to cancel my insurance would be my employer, and they would “of course” provide me with ample notice prior to that. When I told him it didn’t make sense that I’d receive bills for my dental/vision but not my health insurance, he told me to not worry because my health insurance will remain as is regardless. That my account would just go in a rears and my employer would deduct the unpaid premiums accrued during my leave from my future paychecks once I’m back to work. A supervisor from benefits called me today (10 weeks after my initial call), letting me know that the reason why WEX didn’t have my balance due in their system was because my health insurance was cancelled on 1/28. When I told her that I’ve been calling for help for months now, and continue to get the runaround, she just kept saying it was my responsibility to cover my premiums while on FMLA. When I told her that benefits told me no one would cancel my health insurance without notification, she disregarded it. Same when I mentioned the rep telling me that my account would just go in a rears and they’d deduct the premiums from future paychecks. She told me that I owed for January, February, and March, and that there is a 10-day grace period where I can get caught back up to “hopefully” have my coverage reinstated, but couldn’t be for certain. I checked my last paycheck from January, and the deductions are reflected on it. I’m just very confused because she was adamant I owed for January still too. I just don’t see how they can cancel my insurance: 1. Without notice, and 2. After I’ve made an effort to get it paid since the very beginning of my leave. Someone had mentioned this being problematic because of potential FMLA violations, but I’ve never gone through this before and I’m honestly unsure of the process, and obviously don’t feel comfortable reaching out to my employer given the misinformation I’ve received thus far. Our market is experiencing mass layoffs right now, and I was hesitant to go on leave in the first place because of it. I don’t know if it’s worth mentioning or not, but the day before my leave was set to begin, thought to call Alight just to make sure I was not going to be reprimanded for not coming in. The representative informed me that my LOA request had been cancelled. This gave me pause, as the only ones who knew about the LOA request was my immediate supervisor and Alight. I’d have been no call, no show and subsequently terminated had I not thought to call beforehand. I’ve just been worried so much about all of this, and honestly regret taking the medical leave even though it was necessary. I’ve spent more time going back and forth with my employer than I have with my physicians and it’s been hell. Does anyone have any input regarding this situation? Is this just an HR issue and nothing more or should I consider seeking legal counsel? Thanks so much ❤️

just got non-renewal letter from liberty mutual. The reasons are the 4 claims in the last 3 years. All claims are from the repairs of a music instrument which I added as an addendum to the home policy. The 4 claims are <$1000 in total and the highest one is $400. As there are no duductibles and the liberty mutual customer service did not warn me of any consequence of these small claims, I just made the claims. I have quoted online 2-3 companies and answered "yes" when they ask claim history, they all rejected to provide coverage. Should I negotiate with liberty mutual to continue the policy by droping the instrument addedum? Or move on to a new company by telling them the details of these non-renewals and opt out the coverage of the instrument? With claims totaling less than $1,000, am I shut out of the insurance world?

Has anyone used Clements Insurance? I'll be in Bangkok for 6 months to a year and I'm looking for full coverage on expensive personal property. They say they provide that coverage, but saying and doing....

Back in August 2024, I rear-ended a 2024 Nissan Rogue, which then bumped into a Toyota RAV4. The damage seemed pretty minor at the time—both cars were able to drive away from the scene without any issues. I had $20k in property damage liability. Today, I got a call from Geico saying that the initial repair estimate for the Rogue was $3k, and they already paid out $3k for the RAV4. But now, months later, they say a new assessment came in after further inspection and the Rogue’s repair cost estimate is actually $14k. They also mentioned they covered rental costs for the Rogue. It’s been 7 months, and I’m just confused—why the huge jump in the estimate and such a long delay? Is this normal? Feels a bit suspicious to me. Geico also havenot told how much i have to pay out of pocket. They said they called me just to let me know. I am stressed and worried. What should I do?

I filed a renters theft claim through Allstate in September 2024. Our adjuster calls a couple of days later going over the process and the next steps. We’ve submitted the police report, receipts and a ton of pics. A different person who works with our adjuster calls and has us resubmit everything about 3 more times. We’re now 6 months into this claim and have heard from our adjuster other than that one time when they first called. The other woman, we haven’t heard from her since January. We have been trying to get ahold of both for months. I finally get a call last week saying they have everything they need and that our adjuster would call that same day. I got really excited hoping this nightmare with them was going to finally come to an end. Here we are a week later and not a word from either of them and now I’m pissed. I have been cordial this whole time and now I’m at the highest level of pissivity. At this point I’m losing my mind because why is this taking 6 months? Why is there no update? Why can’t I get and update or get ahold of my adjuster? Customer service refused to let me speak to the adjusters supervisor. What else can I do at this point?