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!

My senior kitty is 16. She is/was prone to UTI's, had 3 in 8 months last year, and Embrace will no longer cover anything related to her bladder. She's very healthy otherwise. The vet saw a bladder stone and she's been on Hill's Prescription food since June, with no incidents since then. I was reimbursed under the wellness portion and quickly used up the funds I had left after her checkup. Does anyone know of a plan with a high amount of wellness coverage and less amount of insurance coverage? Thanks in advance!

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

I filed a renters theft claim through Allstate in September 2024. Our adjuster calls a couple of days later going over the process and the next steps. We’ve submitted the police report, receipts and a ton of pics. A different person who works with our adjuster calls and has us resubmit everything about 3 more times. We’re now 6 months into this claim and have heard from our adjuster other than that one time when they first called. The other woman, we haven’t heard from her since January. We have been trying to get ahold of both for months. I finally get a call last week saying they have everything they need and that our adjuster would call that same day. I got really excited hoping this nightmare with them was going to finally come to an end. Here we are a week later and not a word from either of them and now I’m pissed. I have been cordial this whole time and now I’m at the highest level of pissivity. At this point I’m losing my mind because why is this taking 6 months? Why is there no update? Why can’t I get and update or get ahold of my adjuster? Customer service refused to let me speak to the adjusters supervisor. What else can I do at this point?

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

I was in an accident many years ago in Michigan. I was told I had medical coverage for life for my injuries through AAA car insurance. I now live in another state and need a surgery related to the accident. I re-opened my old claim and spoke with an adjuster. She said due to the no-fault laws, she would send a billable letter to the doctor so they can bill them direct, but that they don't do pre-approvals guaranteeing any payment, and that I can't pay direct and get reimbursed either. My problem is, no one in my state is at all familiar with this and no one will accept a 'billable letter' or willing to even consider billing a car insurance company. I would gladly pay out of pocket if I could get reimbursed, but AAA says that's not allowed and they wouldn't reimburse me in that case. Am I missing something here? Is there a way to make this work or is it just a way the insurance company has found to make it nearly impossible to actually use the coverage?

Just a warning to all pet parents. I got two cats from different shelters and signed them up together. One was from a partner shelter and should have been covered from day 1. The other could only start coverage after 2 weeks. Metlife continuously mixes up their names and denies claims for pre-existing conditions, even for the cat from the partner shelter. Sucks because I heard so many great things about them, but I haven't had a successful claim processed in 4 months of owning these cats. If anyone has tips on how to deal with pet insurance that would be really helpful.

My homeowners insurance company called me and told me I need to replace my roof and get rid of the t-lock shingles or they will drop me. Is it right for them to do that? The roof is in good condition doesn’t leak or anything. They are basically forcing me to get a good roof redone. Is there something I can do to have them help pay to where I’m not replacing on my own?

I believe that a Psychiatry doctor within my Aetna Network is no longer licensed or have an active license in Texas. He has a NPI and Medicare number and part of multiple insurance networks. But, I cannot find an active license for Texas and Aetna actually says that they do not verify if a doctor is still licensed?? This is not good! Would you assume that a doctor is active if he's a part of a network?

My hip was broken in 3 spots after a pedestrian vs vehicle accident. I'm working with an attorney who has been talking with Progressive (the driver's insurance). They asked for information regarding my employment to verify wages. I have two jobs. 1 WFH, the other is more physical. I was able to return to the WFH job quickly thanks to a lot of pain meds. Anyway, my employer filled out the paperwork they needed, I sent it to my attorney who passed it over to Progressive. They still called my WFH job, needing to speak with my employer. Why? What more do they need to verify? Is this normal?