So when I bought my first car under my parents insurance I was paying them $200 a month. I had one minor accident, no speeding tickets however I did have window tint tickets I forgot to pay after I sold the car shortly after. Not paying those caused my license to be suspended so I applied for quotes and got crazy responses like $1100 a month from geico. I see ppl here suggest insurance brokers often as a last resort so that’s what I did. Got 2 diff quotes of $411 and $398. Since I had already bought the car and needed insurance asap I took it. But my question is do I really have to pay 50% of the cars value in insurance annually? Is this really my life from now on? Or will it be a bit better now that I’ve unsuspended my license CAR IS A 2012 ACURA TL SH AWD btw Location: NY 25yo male TL;DR: Bought expensive $400 insurance when my license was suspended. Can I get cheap insurance since I unsuspended it 2 days later? Or not because of my one minor accident 3 years ago

I want to rollover my Fidelity Traditional IRA to my current 401k plan at TRP. TRP requires that incoming rollovers be done via a letter & and check made out to and mailed to me, that I must then mail to TRP. When I called Fidelity to request the check and letter, the rep I spoke to was frankly, shocked, and highly discouraged doing rollover via check and recommended I ask TRP to do a direct rollover instead. (I did, and they said no.) I am so frustrated that TRP is so outdated, and to be honest, the Fidelity rep’s reaction has made me nervous that something will go wrong. She sounded like they never do it this way anymore, and had to transfer me several times to get to someone who could confirm that they could even write a check & letter according to the specifications from TRP, and said that the request was very unusual. These people handle rollovers every day- is TRP the only one that does it this way? I much prefer Fidelity, and the only reason I want to do this is to open up the option to make backdoor Roth contributions in the future. (The traditional IRA only exists because I rolled over my prior employer plan to it years ago before I knew what I was doing). That being said, I currently am not yet at the income limit for Roth IRA contributions, but I expect (hope) to be there in 5-10 years. I wanted to roll over now to get it over with & because I know not all plans allow an IRA to 401k (reverse) rollover, and I don’t know if I’ll be with the same company when it comes time for me to begin backdoor Roth. Am I overthinking it in either direction? Should I just suck it up and do the indirect rollover (and not sleep for weeks until I see the funds cleared)? Or am I thinking way too far ahead about backdoor Roth and should just leave things as they are? (Or just complain in solidarity with me that TRP is super annoying and out of date with their rollover process - has anyone else experienced this?) Edit: I have been informed in the comments that if the check is made out to “TRP FBO my name” it is considered a direct rollover, which is great.

I will try to make it brief but can answer any additional questions. My wife and I started the process to have a baby. I was insured with Kaiser Permeante (KP) and went to my KP OB. I requested a specific genetic test to be completed (in writing). The DR ordered the wrong test, and instead of the largest panel I received the smallest panel. The records that were sent to me with the results have the name of the largest genetic test despite it actually being the smallest genetic test. I did not realize the error until a couple of months later when my wife and I had selected donors and had to go to a genetic counselor to ensure we did not have any of the same diseases. I was unable to move forward with me selected donors because I did not have the appropriate genetic test. At this time, I was no longer insured with KP and was now insured with BCBS. I went back to KP a requested they proved the correct test, they were unable to without drawing blood again. I proceeded with obtaining the correct genetic test under my new insurance. While waiting for the results both of my two donors were no longer available for purchase and I am now in the process of locating another donor. My wife and I are black, and we are only interested in a black donor. There is a national shortage of black donors and the two donors that we selected were high quality donors (attorney and a doctor). KP has acknowledged their mistake (in writing) and reimbursed me for the cost of the incorrect test. Can I sue the doctor for ordering the wrong test?

I have UPMC Advantage health Insurance and was taking Vascepa (icosapent ethy) and then the script went to $450 for a 3 month supply. In January i used a coupon from the Vascepa website and was able to get the medicine for $9!! ($3 per month) I just went back to the pharmacy yesterday (Giant Eagle) and they said that because UPMC no longer covers "Vascepa" I'd have to get the generic icosapent ethy, for which there is no coupon and it would cost $150 ($50 per month). Does anyone know how to get icosapent ethy for less? Also, why isnt there more outrage at the fact that our health insurers are constantly TAKING away from our plans and making it more expensive to get medicines we need?

Over the last two years my Healthy Paws Insurance premiums have gone up a total of 81%, which has forced me to remove one of pets off of my policy to make it more affordable. One of my pets is a senior, like many of the posts I'm reading here, and he has a heart condition forcing us into daily medical management per his most recent Echocardiogram. Like most of us who are appalled at our premium increases as of late for our senior kiddos, I am proposing we all sign a Petition of Opposite which will require your Name, the state of residency and your current or cancelled policy number. I will be posting this on a few sites in hopes to round up all those who feel their pets and their pockets have been treated unfairly. If anyone would like to recommend the best way to go about collecting this information, please relay that in this post. Thank you for your time, a fellow pet parent!

I am debating between nationwide and costco pet insurance for my new 8 month goldendoodle puppy. Figo is $40 cheaper than nationwide. Nationwide is $93 a month 80% coverage $250 deductible. Figo is $53 a month 80% coverage with $250 dedutlctable. i have had nationwide for my older dog who got chemo treatments and front leg amputated 3 years ago and they covered 90% with $250 deductible. I've had 90% coverage for 8 years untill 2 months ago. Nationwide sent me a letter saying they were cutting coverage from 90% to 50% for my 12 year old dog.

My dogs Furkin Insurance monthly premium just went up $18! Is this normal?!

UPDATE: I called this morning and apparently the post authorization did get approved without my knowing and without updating in my online portal. It's still showing online that I owe the full amount but the employee I spoke with said to ignore those charges and wait for a bill in the corrected amount of $333.87 which is much more palatable. Major thank you for everyone's input!! It was late and I was getting very anxious about it, I seriously appreciate everyone's comments. Hopefully there won't be any more mishaps and I know better moving forward to make sure preauth gets sent. Recently I had a colonoscopy at the suggestion/request of a gastroenterologist for issues I've been having. This was my first time having any kind of outpatient procedure and my first time dealing with marketplace health insurance (United Healthcare) on my own. I did not know that prior authorization was a requirement for this procedure. Prior to scheduling the procedure I spoke with UHC about coverage and was told I'd only be charged the copay because it was in network. After the procedure I found out the medical office and hospital failed to request authorization and did the procedure anyway, now I'm being charged $5,000+ for the colonoscopy because of it. I didn't know I needed authorization and moreover it was the medical facility's responsibility to get that, and NOT perform the procedure unless it was granted. Am I mistaken? Has this happened to anyone else? What are my options? I've already called the medical facility to submit a post-authorization appeal but it seems to be denied as well. I'm at a loss and feel entirely screwed over, would love some advice!

Edit: Total amount that was for the insurance that month was like $400 something. I think around $430. Not sure if that has something to do with it Hey so I had gotten my car back a couple of months ago. To put it short, for some dumbass reason my ass didn't think I would need insurance to take the car off the lot and didn't factor that into it, as the last time I gotten a car I went to a shady shitty dealership which let me drive off with just liability. So I had set myself up with Bristol West. Thing is I did not have the money for the insurance but it went through because I did an option that would collect over a few days. It showed as active for me to collect my car. Anyways immediately like a day or two later, I decide to go with Progressive which was much cheaper and canceled my plan with Bristol by calling them. (I used Bristol to pick up my car but then changed it to Progressive and they took that) After it got canceled I got some mail saying that I owe $110. Now question. I do know that say if you cancel mid-cycle or early they give like a "refund" or don't make you pay the whole amount. My question is, does $110 seem right for literally using them for about a day or so. Keep in mind they couldn't even charge me but it showed my acc as active. Active enough to try and get my car. Does anyone have any experience with this? How do they decide how much to charge you when you cancel, Does it matter when you cancel or they just give you a rate which you have to pay. I just realized that they sent it to debt collections and want it.

I have a 5 year old maltese with no pre existing conditions and currently use Nationwide. My dog had to have a simple surgery to have something removed on her eyelid and Nationwide only paid out ~10% of the claim. I am looking to switch carriers in exchange for better coverage. If I only wanted to insure against accidents, unexpected events, and not routine care like vet visits and bloodwork, what pet insurance company offers the best value? I am a bit lost and the marketplace for pet insurance seems to be large and growing. The goal is to have a lot of coverage for, say, a $4,500 surgery as the result of something unexpected. What does everyone think?