I was following up with Humana dental for a denial of a filling of $482 The filling was on a tooth that had a partial crown that fell off and had to be recemented. Their policy now is if you have a tooth with any type of crown; full, partial, or onlay, no matter how old, they will not cover a filling in the same tooth.

Hey! I have a question. I reside in Tallahassee, Florida. I have one car here (2025 Toyota Corolla) and a car in Miami (2005 Toyota Camry). I informed Geico that the Camry is in Miami, and my sister is the primary driver. Geico informed me yesterday that they will drop the car from my insurance because they think that it’s her car (it’s my car in my name). They told me I needed the registration that shows the car is mine, and it needs to show the address where I’m at, which is the mailing address in Tallahassee (I go between Tallahassee and Miami). Anyone has been through this? Please advise.

Here it is, the Healthy Paws rate filing so you do not need to struggle to find it. HP requested a 44.8% increase... and got it approved. (Remember, the last several years already had similar increases). Still doesn't answer how I got a 180% increase, so sit tight... Taking my case aside, let it sink in: They asked for, and got, a 44.8% increase. Vet costs, even in CA, went up that much in a year huh? So remember when they spit out the canned response online of: *In accordance with the terms of the Policy and the associated rating rules, monthly premiums may change for all policyholders. Premiums are determined based on the rates and rating rules filed with and approved by (where required) each states insurance regulator. Premiums reflect the cost of treatment advances in veterinary medicine, characteristics of the individual pet, and other factors, in addition to the overall claims experience for the program within the region where the pet resides. Please note that premiums are not based on a given pets individual claim history; rather, premiums are based on the collective experience of all pets insured. We do our best to be transparent regarding annual premium increases by including this information on the "Frequently Asked Questions" page of our website. The Healthy Paws Team* remember: 1) THEY.ASKED.FOR.THESE.INCREASES. They then use this corporate jargon to say it went up in accordance with the rate filing (WHICH.THEY.ASKED.FOR). 2) The "transparency" is not transparent. Look how much digging one had to do to find the above screenshot, when all their FAQs again say: Will my premiums increase? In accordance with the terms of the Pet Health Insurance Policy and the associated rating rules, monthly premiums may change for all policyholders. Premiums are determined based on the rates and rating rules filed with and approved by (as applicable), each state's insurance regulator, which reflect the cost of treatment advances in veterinary medicine, individual pet's breed, gender, age, and other factors, in addition to the overall claims experience for the program within the region where the pet resides. Premium increases are not based on your individual claim submissions.

Sold my other car and bought one at the same time, then returned the second car and got a full refund. All of this happened within 7 days of each other. Geico said I can't take off the car I returned, despite it not being in my name, without fully losing coverage which will then cause a lapse in my continuous insurance coverage. They basically said I either keep the car on until I find another one, or fully cancel my policy which puts me in a not-so-great spot. Geico offers non-owner auto insurance, and they couldn't give me a reason they couldnt insure me without a car, only the above "solution".... so if I cancel my policy and try to get a new one, Ill have to pay a down payment again and be subjetc to higher rates because I had a "lapse in coverage". What would you do?

I purchased Lemonade insurance for my mother’s dog last year because she thought he was having seizures. However he wasn’t. I put his age as the same as my dog. Because that is what I truly thought it was and he’s actually 8. Back story we “inherited” him and really didn’t know his age so truly was a guess. Anyways fast forward to this past week. He became very ill and has had to spend the last 3+days in the emergency vet cost approx 7k and now I’m have a full blown panic that because the ages don’t align they going to completely null and void my policy and not cover any of his medical bills

Hi all - I was wondering what the likelihood that my Appeal that I finally sent in will be successful or if I'm just going to continue getting the runaround from United Healthcare. At this stage is it worth doing anything else (or do I have to wait until the Appeal plays out?) Some details... The claim that I filed with United Healthcare had all the correct, relevant, and necessary information including the in-network Tax ID, the Practice’s pertinent information, the doctor’s name, itemized receipts (two – one paid with FSA and one paid with credit card), and other pertinent claim-related information. United Healthcare processed the claim as out-of-network, but the Practice is in network, which made me receive +/- $3,000 less in reimbursement than I should have (due to that money going to an out-of-network deductible). I have called United Healthcare more than 15 times now across 3 months to see what else is needed and to fix the wrongly coded EOB and I’m always told that United Healthcare made a processing error and will fix it – but it never happens months and months later. The EOB erroneously states that this was an out of network event, but everything was in-network, and I have coverage for the procedure on my plan. Once again, every time I have called United Healthcare, they have told me that I’m right, that they are ‘backing out’ of the old claim and will fix it, and every time nothing has been fixed. I just called earlier this week, and the 15th advocate I spoke with (after taking 20 minutes to look over all the times I called and notes) said I was 100% absolutely correct, I should have received an EOB saying it was in-network, and the determination was wrong, but folks keep coding it – inexplicably – as out of network. She encouraged me to appeal....which I just did. Expectations of what may come next? Thank you.

I adopted bonded pair of kittens and got them on pet insurance with trupanion at 8 weeks. They just turned two and trupanion has increased my premiums by 70 % in those two years. I understand they don’t raise the premiums based on pets age, but at this rate I won’t be able to afford to insure them until they get old. Looking at switching to lemonade - my one kitty has two minor claims and my boy has none. I realize her two claims will be pre-existing but they aren’t chronic issues. To the cat parents with lemonade- do you like it? Are you happy? I know I risk their premiums rising as well but at least I can afford more coverage with a smaller deductible to start. Would love your thoughts I want the best for my babies!! Thank you

Okay so I have a new vehicle, and I decided to use Root Insurance. Usually the insurance websites automatically add comprehensive and collision when you state it's financed. So I thought it had. Anyway, it was liability only. Now last week there was a hailstorm and it did some damage to the car. Not hardcore but it js noticeable up close. What can I do? All I can do is fix it right with my own money? Will the bank go after me? I'm just so lost right now any advice would be appreciated.

I’m buying a car tomorrow and don’t have auto insurance. The only company that is offering the option for next day insurance in my state is Geico. I’ve heard it’s horrible and would like to shop around more but need insurance to take the car off the lot tomorrow (obviously). Can I pay one month for Geico and then cancel the policy once I find something better? Planning to work with a broker. Thanks for the advice. I haven’t owned a car in 10 years (lived in a walking city) so am trying to figure this all out.

I hope I'm in the right sub for this but I'm not sure, if there is a better place for this post please let me know. So I got into an accident that I was at fault, I do not have collision coverage, and I still owe about $19,000 on the vehicle. I asked my insurance and without coverage there is nothing they can do. It is not drivable and the air bags deployed. There is heavy front end damage but the rest of the vehicle is fine. I've only taken it to one shop for an estimate because I don't want to keep paying for a tow to get different quotes and they all end up being close to the same amount anyway. The estimate I got was $20,000 to fix it, so I'm not going to be able to afford that, and even if I could I don't see how that would be worth it. The car before the accident was probably worth $20,000 - $25,000 at most. (2022 KIA K5 GT LINE). I have pictures of the vehicle as well but wasn't sure if I was allowed to include those in the post. So as far as I see it, it's going to just sit somewhere until I pay off what I owe. So instead of paying a storage fee to keep it somewhere (my apartment doesn't allow vehicles that aren't drivable to stay in the parking lot), I want to either sell it or scrap it. Whatever I decide to do with it, I want the next tow to be the last. If I can make a little bit of money on it, great, if not then like I said if I can at least avoid a storage fee or paying to tow it several times that's a win for me. Anything I do make would go straight towards paying it off anyway. I'm already pretty screwed, paying on a car that I can't drive so I'm trying to see my options and cut my losses. I've gotten suggestions to declare bankruptcy, sell it, scrap it, keep it, sell all the parts individually, sell it as a whole for parts. A lot of the issue is, I don't think I can sell it, even to a salvage yard, without paying it off first, so what do I do with it until then? That's going to take a long time for me. I can't afford to fix it, can't sell it, scrap it etc. What do I do? And I understand I'm not going to make money on this, I understand I'm screwed either way, I understand that I will not financially recover from this for quite some time. So I'm just asking what is my best course of action to cut my losses as much as possible? Is there a way to sell it before paying it off? Do I need to let the lender know about the accident? Is there a different way insurance can help even though they said they can't? Is there a service or organization that helps with this sort of thing? Should I declare bankruptcy?