I was on my domestic partners health insurance for a couple of months before they left their job. We had all the papers signed legally in front of a notary and I was officially listed on their insurance. However, they left their job and I am trying to get insurance again through Anthem Blue Cross Blue Shield by proving that I was on my partners insurance. Sadly it has been nothing but a back-and-forth struggle, sending paperwork, and asking for their phone number only to be ignored. I have given then my full name, my partners full name, my partners termination information, and I have even used the insurance at a local urgent care recently (plus printed out the document showcasing my full name listed as a domestic partner on their insurance). After proving I am who I am, they keep asking for more information and this time asked for my terimination date from my job to prove I was on the insurance. But I didn't leave my job. My partner did, which I have explained. They also asked for the loss of coverage date, but I have sent previous emails with that said date. Long story short: I am trying to prove I was a domestic partner on my partners insurance, only to be asked again and again for more paperwork (of ones specifically I have already provided). Has anyone else faced this issue? Is there any way I can go about this in a more efficient way or anyone I can contact? Thank you! I really appreciate the help.

Location: Texas On mid February of this year our truck randomly started being noisy, we immediately took it to a shop, they told us the issue and that if it had a warranty we would be fine. It did have a warranty and we immediately contacted them and dropped off the truck in a certified shop. The shop then dealt with the warranty and the claim was officially filed on March 5th (we were told this by the warranty company) today we call for an update and get told they can no longer do anything since the warranty expired on March 30th. We think they purposely let time run out. Has anyone dealt with something similar?

I got a cat in November and enrolled her under Spot, starting a plan at $17.87 / month. I took her to the vet in December to check why this otherwise healthy cat had no interest in chewing food, and they said they said she had a bad case of FORL and they recommended removing the impacted teeth, which were most likely causing her pain. I submitted two claims to Spot, one for the first visit in December and one for the expensive teeth removal surgery in February. For both, I only attached the vet invoices which included the vet medical notes. Initially, both claims were rejected for lack of inclusive information about my cat's health, meaning the SOAP notes. I ended up finding and submitting the form that was given to me from the shelter when I got her, which only contained her vaccinations, record of spaying and a mention of medicine for diarrhea. I explained to Spot that was all I had, and no one knew anything about my cat's health in her life prior to the shelter. Just a few days later, I got notified that they had approved both claims reimbursing me $21 out of the $78 visit and $288 out of the $697 surgery. **That means that my total annual billing for the insurance is $214 ($17.87 x 12) and by March alone I have already been reimbursed $309. I'll take it.** https://preview.redd.it/si7w4q5tcipe1.jpg?width=887&format=pjpg&auto=webp&s=2b08b2273dc1ac812143cbdbe683b8f30d65722d

For context, the state is Maryland I live in a rental house and there is a prior resident named Stacy D. (Hiding her last name for privacy). I don’t know this person, other than occasionally getting some of her mail in our mailbox, which leads me to assume she is a prior resident at this unit. This morning, i had new policy documents added to my Progressive policy. They added Stacy D. to my policy as an insured driver, and my rate increased from $140 a month to $580 a month. I also lost some of my discounts, like safe driving discount, because Stacy D. has apparently been in two at fault accidents in the past year. Now I called progressive to remove this person from my policy, and their underwriting says that she can’t be removed unless i have proof of address showing that she doesn’t live here. A few questions: 1. How do i prove that someone (a stranger) doesn’t live here? I don’t have any contact info for her or any way to get her current address. I don’t know this person or have any knowledge about her other than occasionally getting junk mail that is addressed for her. 2. Is there a possibility of me getting any discounts (such as safe driving discount) added back to my account, if I am able to remove this person? 3. Because i live in a rental unit, are there any other steps I can take to prevent prior residents from being added to my policy in the future?

If this is legal it sure ain't ethical. I'm not often stunned by capitalism and greed but JFC. This is shameful. I feel so f'ed.

I have a senior cat who just turned 14. I had him since 1 year, and always had Banfield, thinking that was the insurance. (To make me feel less bad, pet insurance wasn't a thing back then :( so please don't blame me too much.) My other cat who was 14, passed away recently, and all the bills left me in burden. So I heard about the insurance, and was trying to sign up for my other one, but I've also heard about insurance nightmare stories. I'm now really worried that they would just deny everything, saying it was a pre-existing condition. I would truly truly appreciate if there is a way to ensure coverage based on my current situation: * Everything is recorded in Banfield, where I took him regularly for his routine checkup since I brought him home. * My cat is chonky (24 lbs) * Already had asthma when I brought him as a kitten (but it wasn't severe and got better so no treatment was given) * Last October, the doctor said he has heart murmur 3/6 and put that in the note * They also noted he has a tartar on his teeth (would that make any dental related disease claim denied?) My biggest concern is the heart murmur... would they just deny everything heart related? Any tips and advice would truly be appreciated. Thank you so so much.

Got this chat request today from Healthy Paws. I don’t have a policy with them, I just comment when I see the insane premium hikes they’ve been doling out lately. Healthy Paws, folks are starting to ask questions about your rate sheets and what you publicly disclosed and what you actually charge consumers. I’m not an actuary, so I’m no expert, but it’s wild to me that any state would sign off on a 200% 500% or even 1000% increase. Maybe they did. But it is feeling a bit shady. You should publicly disclose your algorithm and show us! There are lots of people here who would love to see this information provided transparently. We all expect annual increases. It’s the name of the game. But we don’t expect to pay faithfully for years and towards the end of our pet’s life, have our premium jacked up so high as to be an insult. So unless you have some kind of reasoning for that…or a promise to fix it, it’s impossible to recommend you anymore on this sub by most people with brain and a conscience.

I’m really hoping someone who works in medical billing at a dentist office can help me understand this. For context, I have Cigna Dental PPO. I had an oral consultation today that cost $167. The oral surgeon said I definitely need the bottom ones removed, but said she isn’t worried about the top ones. Then here is an image of what I was quoted after. They said I would either be paying $5809 or $3789 depending on what my insurance says. She didn’t sound confident in what she was saying and was speaking to someone else prior. Then, they tried to make me schedule it with 50% down as if I have $1800-2900 just laying around. I could barely afford the consultation fee. I’m I being got or is this how much people are paying to get their wisdom teeth removed? I’m so lost…

I’ve had my two dogs insured with Healthy Paws for almost a decade, and at first, it seemed like a great choice, claims were really easy, they seemed like they cared by sending good will messages after a claim etc. Monthly premiums started at around $30–$40 per pet, then slowly crept up—$50, $70, $90. It was annoying but manageable, thought it was normal as dogs aged and there was also inflation. Then, things went off the rails, I think it's because they were acquired by a bigger company (that's my speculation tho). My premium was already high at around \~$250/month for both dogs, but now they want **\~$550/month**— more than double overnight! No new benefits, no explanation, just pure corporate greed. It’s clear they’re taking advantage of longtime customers with older pets, knowing we have fewer options due to pre-existing conditions. It’s a disgusting, predatory practice. They assume people won’t leave, but I’d rather pay another company—even if it costs more—than reward this behavior. **I'd say avoid Healthy Paws at all costs.** Also if anybody had changed insurances at a similar point and were happy after please let me know!

Hello, I was involved in an accident and I’m currently waiting to be reimbursed by the insurance of the person who hit my car (the 3p insurance). However their policy limit doesn’t cover how much my car is worth. I am trying to retain the car as salvaged because it is my only source of transportation. The 3p insurance is sending the lienholder $15,000 (customer’s policy limit) but the remaining balance is mine to cover ($6,380). However my lienholder says they won’t send the letter of guarantee to the insurance until the remaining balance is covered ($6,380) meaning the 3p insurance cannot send the $15,000. I have gap insurance and I expected them to cover the remaining balance but they said they won’t pay until the $15,000 is sent from the 3p insurance and they see the letter of guarantee. Does anyone know if there is a workaround where I keep the vehicle having to pay ($6,380) out of pocket? Please let me know. Thanks!