I am a 33y/o female in NYC and found out today that my enrollment into medical insurance through my employer didn’t save. i have not been covered for the last 3 months and im worried something could happen where i need it. I just looked at quotes for individual coverage and at my income level of $140k the lowest cost plan was $700 per month. I’m getting married in August and since that’s a qualifying life event i’m wondering if i have any options other than get legally married early or pay the $700. i’ve reached out to HR for other enrollment related things in the past and they wouldn’t budge in the slightest so don’t expect any workarounds with my companies insurance which is Anthem. Advice desperately needed :(

This has happened twice now where I have received my EOB in the mail, panic because it says I owe several hundred dollars still, and then when I check my billing with my dentist it says that insurance has covered everything and I don't owe anything other than what I paid the day of my visit. If the office isn't billing me anything extra, then I'm fine right? Is my dentist just good at negotiating with Delta Dental?

So from just looking on here it seems that this happens often. I got my vehicle yesterday afternoon after them having my car for a lil over a month. I didn’t look at my car much yesterday. This afternoon I went outside and was looking at the stuff on there bill of said repairs for the insurance company. A couple small things look fixed but most stuff looks the same as before as in not touched. The thing is what do I do now? I also had just called said place and the person was busy and in telling the person on the phone if they just ripped insurance company’s off he was dead silent.

The main pipe in my apartment building was backed up, causing some flooding in my unit (living room, kitchen, laundry room, bathroom, bedroom closet). The only thing that got completely ruined was my living room rug, so I tried to use my renters insurance to see if I could get some compensation for that, but they said something about not covering damages that don’t meet my deductible ($250). Some other things got wet due to the flood (some of my shoes, some clothes I had on the ground) but generally dried up decently the next day. They told me to call back if I saw there were other things that were damaged, but i’m not sure what falls under that label. Is it only things that are completely unsalvageable?

My roof is 13 years old (original to the house), and recently had some wind damage after a storm. I started a claim in 2019 with my previous insurance company (after a hail storm) and was denied a replacement because apparently someone has been on the roof with a hammer or something attempting to mimic hail damage, so it was determined to be vandalism. The new damage is due to wind, but the vandalism is still present. I’m told that at least the back slope (if not the whole thing) needs replaced. Should I file a claim or just pay for the replacement out of pocket?

Just like it sounds. I was involved in an accident a month ago. Other person was declared fault. My insurance is handling it well. Unfort, every time the at fault persons insurance calls me and leaves a message, it’s a different adjustor? I’m curious to why that is. I only have 2 from my own insurance calling me, the regular adjustor and the person above him just in case we have more questions or he can’t answer a question himself. I just think it’s wierd that the other insurance company has tons of adjusters and it is annoying. Don’t know how they don’t miscommunication with one another. I honestly tell the other place to talk with my adjustor.

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

In 2022 I made a small insurance claim for water damage, $2k, with Progressive. Since then, every time I get quotes for homeowners insurance I get denied, or have to accept high rates, because the Lexxis Nexxus database shows I made 3 claims. A year ago I disputed these several times, and got a letter from Progressive that confirms I only made 1 claim. When I talk to LN, they tell me they've removed the claims, but over a year later I'm still getting denied by insurance quotes and told they are still showing up by the insurance companies. Is there an agency like the CFPB I can submit a complaint to about Lexxus? Or do I need to get a lawyer letter involved? I already have to deal with living in a hurricane prone area with high rates and these higher rates are crippling. LOCATION: TEXAS.

Terrible company. Find any excuse, especially bogus "pre-existing conditions" to avoid any reimbursement. Avoid and look elsewhere unless you want to waste time on the phone appealing denials to no avail.

My dog has been with Trupanion for 5 years. She was healthy as a horse when we switched her, so I thought we were in the clear for no pre-existing conditions. Obviously, naive. Anyways, they are rejecting all tooth extraction claims because a vet wrote "mild tartar" one time in her records 5 years ago. The vet never said anything to us about her teeth until this year, when they told us she needed extractions due to bone loss in her jaw. The vet says it should be covered, but they rejected the claim and I am not holding out hope for the appeal. I am considering switching her to AKC. They won't cover her teeth either - but I can get a high-deductible plan with hereditary plus coverage for $70 per month. It would cover pre-existing conditions after 365 days, according to the person I spoke with. So I could save over $30 per month, that could go towards her inevitable future extractions. My thinking is that I now understand that the insurance companies can turn anything into a pre-existing condition post-hoc. I don't trust Trupanion to not do that again. At least with AKC, they cover pre-existing conditions so if she ever got cancer on her ear, for example, it wouldn't be excluded just because she had an ear infection in 2020. Is this thinking sound? Has anyone switched to AKC and could give some advice? https://preview.redd.it/8r3nxzh7yqke1.jpg?width=4080&format=pjpg&auto=webp&s=5bdb9dc183f9cb9d286aec2404203e53dbdbe5cc