I am a 37 year old female. I have one child age 10. I do not smoke or drink. I have applied for 2 life insurance policies. One thru all state 6 years ago. One thru state farm 30 days ago. I am a recovering addict and have been clean for 12 years . I have passed every drug screen since than. I keep getting denied because I'm in a matt program. I have taken this medicine for 12 years. I have been denied because on this medication. Any advice on where I can apply?

Looking for updated info — my pet’s annual dental cleaning usually runs **$900–$1,200** (under anesthesia, with X-rays). **Nationwide’s wellness plan used to reimburse for it**, but I just found out that plan is **being discontinued** or no longer offers the same benefit. Most "wellness add-ons" I’ve looked at (like Figo, Spot, etc.) only reimburse **$75 or less** for dental cleanings, which barely makes a dent in the total cost. Has anyone found **a provider that actually covers full dental cleanings** under wellness or medical plans? Either as part of a **preventive package** or through **major dental** coverage?

Not sure this belongs here because it's not car/home etc. but I had a weird experience with travel insurance on my credit card. My wife and I were headed for a wedding then she got covid a few days ahead, so I put in a claim for the nonrefundable hotel. When nothing happened with the claim over a couple weeks I called their customer service number and was told that the claim required a signed doctor's note saying that we were unable to travel. We \*weren't\* unable to travel so I just gave up. Now, sometime later, I get a notice that they're paying the claim. The only explanation I can think of, since what they said on the phone seems to match the published benefits, is that the claim was so small that they decided to pay anyway, perhaps to help metrics of some sort. Is this a thing? I really don't see in retrospect why they would pay if they didn't absolutely have to, although I will admit that my feelings about the credit card (on which we spend a lot of money) were souring. Perhaps it was just a courtesy? Anyone know how this works in practice? I'm trying to figure out to what extent I should really trust this credit card.

hi all. i have been a silent observer of the subreddit out of curiosity due to me and my partner recently adopting a kitty. We got him on a trupanion plan via chewy pretty quickly after we got him because we thought it was the financially responsible thing to do for him. When we got him, he had a bit of a URI and we thought it would resolve on its own. However, with no improvement being shown after having him for a little over a month we took him into the vet. Unbeknownst to us we were still within our waiting period for our insurance to kick in. We didn’t think it would be a big deal, we knew we’d have to cover this visit out-of-pocket. However, our vet noted during that visit (though unrelated to the cause of the visit) that our boy had some pretty noticeable gingivitis going on. After an extensive amount of anxiety on my end, I had my partner check in with our insurance. I had a terrible feeling about his coverage. now, after being three days short of our waiting period being over, gingivitis is now on his list of pre-existing conditions. We pay extra for dental coverage through Trupanion and now I am absolutely spiraling that we won’t ever be able to get any of his emergency teeth concerns covered. i was the one who pushed to take him in, i was so worried about his URI. and now i just feel incredible guilt. we insurance to make sure he would be taken care of within our means, and i feel like we failed him. all i can see is racking up dollar signs for his upcoming dental appointment we scheduled after hearing about his teeth from our vet. i don’t know if i’m looking for advice or comfort, but i just wanted to know what y’all thought.

Looking for advice on what my options are. I'm on a high school teacher salary and never had to seek out an attorney for any reason. Location: Oklahoma Long story short: My home & small piece of land are on 2 parcels that were purchased together. In late 2023 l received notices from the county that my taxes weren't paid. I called my mortgage company since they're the ones that have been paying them each of the previous years we've owned this house with no issues. I got another letter from the county in 2024. I called mortgage company and let them know it happened again. They said we're on it. I left the country for work for 4 months while my wife and kids stayed behind. While I was overseas we got another letter saying my property would go up for auction if taxes aren't paid. My wife called mortgage company again, they say they're going to get it taken care of, not sure what the issue is, but they're on it though. Right before I come home, my wife gets a letter from the county that our property was auctioned off and we have 1 year to appeal the sale. It was only one of the 2 parcels we own that got sold off - a .5 acre plot that's basically my front yard all the way down to the road. After back & forth with county and mortgage co. we found out the issue was that the actual mortgage paperwork that we signed does not list both parcel numbers. We owned both parcels according to the county, but the bank said oh, well we only paid for the taxes listed on the mortgage you signed, not our problem. Problem for them is, the descriptive measurements in the paperwork include both parcels, they just forgot to type both parcel numbers in. Mortgage co. admits fault. We get a letter from them saying that they messed up and are fixing it. Haven't heard anything in a while so called today and was told the last thing written in the notes for my account are from a few months ago that said the company was trying to purchase the property back from the person that bought it at auction. I'm waiting for a response from someone else higher up, but I feel like they're intentionally dragging their feet to get to the 1-year point where nothing can be done. I don't need the "why didn't you just pay it yourself, you're equally at fault" response. I was in Germany and that's neither here nor there; the ultimate point is that the bank admitted it's their fault and are trying to buy it back but it's been almost 5 months and no progress. What are my options that I need to be finding a quality attorney for?

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

I have a 9 y/o Bengal male who had a bout of diagnosed stress colitis three days after I took him from his long-term family and before he was covered. Now, he has diagnosed pancreatitis, which is a totally different thing, of course. However, apparently because they have similar symptoms, the stress colitis is being treated as a "pre-existing condition" for the pancreatitis by Spot. This is ludicrous, and my vet agrees. I'm going to challenge it. Does anyone have any tips about the challenge and/or the paperwork I have to submit? Has anyone successfully challenged Spot or another pet insurance? If the challenge doesn't go through, then I'm canceling Spot and just going to pay whatever I have to pay instead of giving them money each month. If they can say something is pre-existing simply because two diagnoses share symptoms, then I don't trust that I'll ever see any reimbursement of costs at all. What if my cat gets diagnosed stomach cancer, which can cause symptoms similar to stress colitis and pancreatitis? Does that mean then they won't cover it? Seems like they at least have that prerogative to do so. Thanks in advance for your help!

I'm insured with Geico in Texas, with a $1,000 deductible for both collision and comprehensive coverage, and I’m also enrolled in their rental reimbursement program. My car needed repairs, so I took it to the body shop and used Geico’s rental service to get a car from Enterprise. I paid about $50 in taxes and fees with my United MileagePlus Explorer card — Geico covered the rest of the rental. While I was driving the rental, the windshield cracked. Enterprise later sent me a bill for $415. I contacted Geico, but they said they won’t cover it because the damage is below my $1,000 deductible. I also reached out to Chase (the MileagePlus Explorer card issuer), but they said the rental insurance benefit doesn’t apply because I didn’t pay for the entire rental with the card — Geico paid most of it — so they won’t cover it either. So now I’m stuck with the $415 bill. Is there anything I can do here? Has anyone dealt with a similar situation?

I’m in New York State, I had GEICO and I made a payment on the due date(yesterday) but noticed they didn’t want the full payment amount that I normally pay but a smaller payment(I assumed for a new car that I added on). Long story short, I gave them a call and they cancelled my policy because they said they sent a letter regarding a rate change, which I haven’t received. I live in a rural area and we have to physically pick up the mail from the post office, it looks like the mail was returned to the GEICO. They put in request to underwriting to see if they’ll reinstate the policy. What are the chances they do? Do they normally reinstate policies? Policy lapsed for only 1 day.

Are there any insurances that cover dental only? I’m currently with Healthy Paws, & while they are getting more expensive for now it works for us because of the unlimited payout if we need it. But last year he had a cleaning and extractions that ended up being over $2000 when all was said and done, and if he needs more this year I’m hoping to have some coverage. TIA!