Gcredit 151 na utang Hello guys. Sobrang taas kasi ng penaalty na pinataw sakin ni Gcredit, napabayaan ko na din ilang buwan kasi nalimutan ko na meron pala akong existing na na-utang don i think mula sa pagloload lang. Nung binuksan ko, 1500 ung penalty pero yung utang ko is 151 lang huhu. Feeling ko sobra naman yung penalty at nagcontact ako sa customer service ni gcash at email ng collection pero wala reply sa email at sa help center is wala silang nagagawa. Parang ayoko bayaran dahil feeling ko excessive naman. Total is 1651 lahat from 151 na utang. I know na fault ko na hindi lagi nagchecheck ng accounts ko pero balak ko naman sana bayaran pero hindi sana ganiyan kalaking penalty na 10x sa loan ko. I did research and saw BSP Circular No. 1133, series of 2021 which is "A total cost cap of 100 percent of total amount borrowed (applying to all interest, other fees and charges, and penalties) regardless of time the loan has been outstanding." valid po ba ito kay gcredit? Should that mean na 151 lang din dapat ang max fee (penalties, service charge and interest) na babayaran ko with my loan totalling to 302 pesos max?

Age: 40+ State: California Income: 0 (unemployed) tl;dr: I had some election snafu made by the COBRA management company where they just re-enrolled me in PPO which was $900/mo. I opted to go for a cheaper Kaiser option for $300/mo. Somehow I see when they fixed it, my PPO still shows covered and I have nothing regarding being enrolled in Kaiser... what should i do? Longer: So in my COBRA payment portal it shows I'm paying for Kaiser (cheaper) option and I have been paying for this coverage since the start of 2025. I haven't had to use it and I am just now needing to refill a prescription. Also, my old company switched up their insurance at the start of 2025, so even if I stayed on my PPO it would have changed providers. Anyways now that I need to refill a prescription I started looking through the docs I received and realized I never got any sort of Kaiser welcome packet but did receive a PPO insurance card, so I figured I would register on their site to see if it would let me. Surprisingly it did and the PPO shows I am covered. Now, normally I am one to do the right thing, but insurance is inherently evil... so part of me wants to go fill my RX using this PPO coverage and see what happens. Is this a bad idea? I definitely cant afford for them to go back and charge me an extra $600/mo. What do you all think?

I'm looking to insure a 2018 Chevy Cruze, full coverage. Was quoted $389 by progressive, and that's more than I can afford monthly. Looking for recommendations on insurance companies that might have cheaper/mor affordable rates

I’m new to the private insurance world, so if anyone knows the answers to these questions, I will take any bit of knowledge given. Here’s what I’m working with:  **-Priority health - HMO ($1,300 family deductible) -Through my employer, Corewell Health** **-State of Indiana Anthem - Healthsync POS with HSAS - ($6,000 family deductible) Through my husband’s employer in the state of Indiana**  * ***How do deductibles work? Policy states "You have to meet the deductible before coverage kicks in"?***  \[I’ve had Priority Health since 1/1/25 (Anthem did not become active until 3/1/25). Priority is saying I have met my family deductible of $1,300 but I am positive I have not paid anything remotely that close in office visit copays or on prescriptions. I’m happy about this, but it seems to me that I had some sort of coverage since the deductible is already met.\] * ***Is it beneficial to notify both insurance companies so that they are aware of “the coordination of benefits”?***  * ***Can I pick who my primary insurance is (for doctors' appointments and prescriptions)? Or does it not matter who is primary and who is secondary?***  \[I might be speaking too soon, but despite the higher deductible, it seems like my husband’s insurance, Anthem, is better.\] * ***Insurance math…??*** I recently picked up a prescription, and the pharmacy processed the insurance claims as follows: * Priority Insurance (primary): $15 copay * Anthem Insurance (secondary): $11 copay The pharmacy combined the two insurances and calculated the total copay to be $7. I'm unsure if this was processed correctly. My question is, with two private insurances, shouldn't the prescription be covered in full, resulting in a $0 copay? Additionally, will I still be responsible for paying an office-visit copay for in-network doctor visits under both insurance plans? \[My logic is that if I'm paying full premiums for two insurance companies, I should receive full coverage between the combined two insurance companies."\] * ***Do I have to run both insurances when filling a prescription?*** \-My husband is prescribed disposable insulin pumps, which required a prior authorization. However, the PA process took months to complete due to communication issues between Corewell Health and Priority Insurance. Fortunately, his disposable insulin pumps are now fully covered by Priority Health. Here's the question: Until the prior authorization expires, is he required to file claims through Anthem when picking up refills? Note that Anthem became his new insurance provider on March 1, 2025, through his employer, and was not involved in the current prior authorization. \[There are numerous prescriptions that Priority Insurance refuses to cover, but Anthem will. It seems like having to use both insurances could be a double-edged sword. The primary reason I have two private insurances is to mitigate the issues with prescription plan exclusions. Specifically, one insurance company will cover certain medications that the other will not, and vice versa.\]

I have pathology reports from Hospital A that I received under a charity care arrangement. They are for dermatology. The reports revealed skin cancer and I needed surgery, but the hospital fused to allow me to use their charity care for the surgery I might be taking a low wage job to try and get private employer group PPO health benefits. But the plan would be with UHC. If I already have the biopsy reports showing biopsy #1, biopsy #2, biopsy #3, biopsy #4 are basal cells and they require Mohs surgery, do I still have to wait months to set up an appointment with a dermatologist and then WAIT for a referral to see a Mohs specialist? Forget about the prior dermatologist who did the biopsies. He works for a large healthcare system that won't allow him to refer me outside of their network. If I literally have the pathology biopsies, can't a potential UHC in-network Mohs surgeon's office use that? Or does UHC ppo private group plan insurance and the participating Mohs doctor under UHC insurance require another dermatology referral, which would mean I'd have to wait many months just for that and delay the surgery I desperately need.

Hi all, Looking for some advice on this situation: I had a motorcycle insurance policy with Hastings Direct while riding on a CBT (A1/A2 licence). A few days ago, I passed my full A licence and phoned them to update my details. They then told me that, due to their underwriting criteria, they can no longer insure me with a full licence — and that the policy would be cancelled from the 18th of July 2025. Shortly after the call, I received an official email confirming the cancellation. It states: “We’re writing to let you know that your bike insurance policy has been cancelled… This is because of the new information provided. Based on these details, it means we can no longer cover you.” However, during the phone call, I specifically asked if I’d need to declare this cancellation to other insurers. The rep told me no, I wouldn’t have to, because it wasn’t cancelled due to anything I did wrong (no missed payments, no claims, no dishonesty). They said it was purely down to a change in licence type and eligibility. I’ve emailed them asking for that in writing to cover myself — but in the meantime: ⸻ My questions are: 1. Do I actually need to declare this as a cancellation when applying for future bike insurance? 2. If I don’t declare it (based on what Hastings told me), can another insurer later void my policy if they find out? 3. Has anyone else experienced something similar? ⸻ I’m trying to avoid getting hit with sky-high premiums over something that wasn’t my fault. Any advice from people in the industry or who’ve been through similar would be much appreciated! I’ll be pretty shocked if I find out I need to declare this going forward as the policy cancellation outcome has been completely out of my control. Simply phoned to let them know I have now passed my MOD2, I wasn’t looking to change my bike or anything else whatsoever and wanted to continue my policy for the time being with my 2011 Honda CBR. Also worth mentioning — Hastings waived any cancellation fees, and I’m getting a refund for the unused portion of the policy. That seems to suggest they don’t consider it a “bad cancellation,” but I want to make sure I’m not risking non-disclosure by trusting what they said on the phone. Thanks in advance.

I love my dog but I cannot afford to pay $1600 a year for something I've hardly needed so far (since it only covers emergencies and not routine stuff). I do wanna insure him, but $135 for a healthy 7yo dog is beyond insane. Is there _anyone_ out there that won't completely hose me on premiums?

(Head's up this is a long one) So, I recently got a letter in the mail saying I had a late payment for my healthcare premium although I've set up auto-pay and only recently got it reinstated in February. After calling customer support last Friday, they explained that after looking at it my old (terminated) account was still showing as active and was registering that I had been delinquent on those payments and that was the reason I had received the late payment notice. They told me I actually owed $0 and it was a system error. So, I went ahead and paid my rent early and put it out of my mind thinking it had been solved. WRONG! I then got a call yesterday saying that actually, "upon reviewing your account" I actually did in fact owe $999 by the end of the month or my account would be terminated. Is that not crazy? Are tIhey really that money hungry? I've filed a complaint with them but other than that, what else can I do? I'm considering just letting my account terminate, backpay for the one prescription I received and just starting new coverage next month but will that reflect poorly on me? I'm just not sure what else to do.

\*\*\*UPDATE\*\*\*\* Emailed Odie and they replied saying they refunded my CC. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\* Hi, I was fradulently charged for pet insurance premium from Odie, after they merged with Manypets. I have contacted both companies (email, phone call) and discussed I would not be renewing my pet's insurance contract. The renewal date was January 3rd. Today, Odie emails me saying that they've successfully processed the monthly premium. Any tips on how I can get my money back and ensure that Odie does not harass my family/fradulently take my money? I'm very upset, as I had done my due diligence in communicating that I would not be renewing my insurance policy with them. On an additional note-- This left a very bad impression on me, and I will not be recommending Odie to anyone on this reddit forum. Thank you.

Hey all I have to choose between some state medi-cal options for health insurance. The choices are community health, Molina healthcare and Blue shield healthcare. I've already dealt with Molina and I don't like them for my needs. So it's: Community Health vs. Blue shield. Context: My mother and I ( 55 F & 26 F) both suffer from certain health issues and will need specialists treatment, physical therapy and possibly even cardiology treatments (fingers crossed none of it is harmful). Some of these may even be genetic or hereditary, so appropriate testing and treatment are very important. We have either been diagnosed or have a probable diagnosis of some of these below 👇 Examples: •reynard's syndrome (a type of nerve condition) • Rheumatoid Arthritis • Wiggly Joints (causes wear of the joints and hyper mobility) Just to name a few. What I'm looking for is are there any miracle stories? Horror stories? Good experiences or bad? Which choice sounds the best for our needs of anyone can relate to us or has any experience looking for these things. TIA so much. P.S. I am still figuring out reddit so I may not be able to edit the post BUT I will reply in comments! Thank you!