Hey y'all This is my first time posting here. I am going to be starting a job here soon where I need to get my pre exposure rabies vaccine prior to starting. The issue I am having is my health insurance (Anthem blue cross blue shield) doesn't cover it and it is gonna put me down like $800 with finical compensation from my employer. I live in Kentucky. I was wondering if anyone has any advice or ideas of ways I could try to get that price down. I'm not sure of theirs any good answers but figured I would ask. Thank you all.

I accepted FEMA'a offer of NFIP insurance for three years with the stipulation that I am required to maintain flood insurance on my own dime for subsequent years. They sent me an acknowledgement form to sign and a glossy brochure with generic information about flood insurance. However, they never sent me a policy, declaration page, or policy number. I have no way to know if I am covered. It has been four months since I was "informed" that I have NFIP insurance. What is the best action to take at this point?

A couple of weeks ago my partner was in a car accident that was his fault. He is going through our insurance (AAA). The financed car was totalled. After talking to insurance, they stated that due to him being upside down on the loan, he is responsible for the entire loan balance due to not getting gap insurance. I know he should have gotten it, but he chose not to. Shouldn't our insurance cover the fair market value of the car and he owe whatever the difference is? Checking our insurance, we have Collision "Actual Cash Value Less Deductible."

I recently got into a car accident where I was rear-ended. The only damages were to my bumper and trunk. Geico gave me $2,000 to start repairs and said the shop could request more money if needed. I decided to take my car to Mercedes so dealer parts would be used. Mercedes told me they’d handle everything, but for two weeks I heard nothing from them or Geico. Then Geico called and said my car would be a total loss because Mercedes’ estimate was $9,671, which they said was above the 75% threshold. Geico valued my 2017 Mercedes C300 at $12,636. I did my own evaluation, adding in features/options Geico left out and $5,200 worth of maintenance I’d just done a week before the accident. After I sent my report, Geico updated the value to $15,453. At that value, the repair cost is clearly under the 75% threshold. Instead of changing the decision, Geico switched it from a “construction loss” to a “financial loss” and still marked it as salvage. Meanwhile, Mercedes had already taken my car apart without telling me, which caused storage fees to pile up, around $6,000. I was told the fees would only be waived if I fixed my car with them, which basically left me with no choice. What made me upset is that Geico ended up paying Mercedes about $7,700 for the initial estimate and storage fees, instead of just approving the $9,671 to fix the car. When I finally got my car back, it was still disassembled, with the bumper and parts thrown inside. Mercedes didn’t even bother to put it back together after being paid thousands of dollars. Given my car’s updated value, the repair cost is way below the 75% threshold, so how is it still being considered a total loss? I even asked if I could take it to a different shop for another estimate (since Mercedes is more expensive), and was told no. This whole process feels really unfair, and I don’t understand why my car is being treated as a total loss when it shouldn’t be.

Hey guys, State Farm is trying to increase my rates by another $300 per 6 months. Told them I’ll be taking my 19 years of customer service with me. Which insurance has discounts for being a nurse?

I’m going insane trying to get my dental benefits sorted out with Cobra. I paid my Cobra on 3/8 (first month) and MetLife made my plan active, backdated to 3/1. On 3/12 it was canceled again. 3/15 active again. 3/17 canceled again - MetLife said call Cobra servicer. Servicer sent in a reinstatement and it was active again on 3/19. I log in today and it’s cancelled 3/24 AGAIN. I paid for a month of benefits and I haven’t even been able to use them. MetLife acts like it’s the servicers fault. Cobra just sends in reinstatement notice. Repeat. What do I do in this situation? I have oral surgery in a month and god only knows if it’ll be active or MetLife will decide to cancel it on that day. How do I go about escalating this?

I have auto through the lizard. Long story, so I apologize in advance. In May, I bought a new car, and wanted to add my husband and the new car so we would all be on one policy. I didn’t know that I wasn’t supposed to cancel my policy and make a new one, but that’s what ended up happening. I called them and asked if they could reinstate my old policy and add the 2. A supervisor got the approval to do it and transferred me to a lady in a department I’m not sure of. That lady told me I should keep the new policy because it is cheaper. I asked if both policies were exactly the same. She went line by line and confirmed they both had the same coverage. I asked why the new policy was cheaper if they were exactly the same. She told a story about how each policy is owned by different companies and they set their own rules of how they want to handle it. I said, well if you’re saying they’re exactly the same, I guess I’ll keep the new one then but only because you confirmed they were the same coverage. She was typing the whole time and said she was writing the notes in an email. Fast forward to July, the first car (not the new one) got struck by lightning and I tried to file a claim. They told me I didn’t have comprehensive or collision and refused to help. I tried having supervisors try to locate the recording of the phone call with that lady, or find an email or transcript that showed the full conversation. They are saying it doesn’t exist, and there is no recording of it at all. If they could find it, they could retroactively fix the comprehensive and I could continue with the claim. Supervisors also have said that manager level and above calls don’t get recorded. Is there anything I can do at this point? I know they record everything, but they are saying it doesn’t exist. I don’t know what else I can do.

I was rear ended at a dead stop and it caused $13k of damage. I have a Hyundai Palisade with only 9.5K miles on it. Allstate accepted fault, but they are denying my claim for loss of value. They are saying since my Palisade was in an accident (also rear ended) three years ago ($17K damage in that one) that there would be no additional loss of value. I find it hard to believe the second accident would diminish the value of my car by ZERO. What are my options here? Thanks in advance!

Just sharing an experience that may be helpful to others. I signed upon or Trupanion about 4 years about based upon Wirecutter's review at the time saying that their increases over time were modest and product was good. When I got my puppy four years ago, the rate was $70 month. Fast forward three and a half years and my rates were $103 ( not too modest in my opinion). I just got an email saying that my rates were going from $103 to $135. That's an astronomical increase in my opinion. It got me wondering what Im going to be paying when my dog is 11 years old and he may need the insurance, $300/month? More?I decided it was no longer for me and I wanted to cancel. Customer service was relatively good till this point. But when I wanted to cancel they made it EXTREMELY difficult. I could find nowhere on the website to cancel until finally finding some back alley link that said I had to call them on the phone to cancel. Annoying... shady... but fine. I called them and waited on hold for five mins for someone to take my info. They did, then they said they had to transfer me to the cancelation department. Shock and surprise it was a 20 minute wait. When I got the agent on the phone, they needed to take all the same info again, and then I was forced to sit through a 15 minute scripted summary of why my cancellation was a bad idea and why their rate hike was justified rather than them just taking my info and cancelling the subscription. They told me if I hung up and didn't listen to the whole spiel my insurance would not be cancelled. The whole thing felt like a forced captivity last ditch effort sales pitch to keep me, rather than facilitating what it was I called to do. Really disappointing customer service. To not have an online option to cancel in today's day and age is egregious. Forcing people to to listen to a sales pitch is customer relations malpractice.

I’m confused and need some advice on my current situation. I was involved in a rear end accident, not at fault. Car is drivable with a minor dent in the trunk and paint chipped. The facts: - car is a 2014 Lexus es 350 - The person at fault has Liberty Mutual - initial estimate from their in network shop was $2100 - after they began working on it the supplement charges ended up close to $8700 after being in the shop for about a week and having a rental Today I got a call saying that the car was deemed total loss because cost to repair is over the 75% threshold. I still owe on it the car. What options do I have? Could I take it to another shop to get a lower estimate? There current labor charges were over $5k. I feel like as the victim of this I’m still getting the bad deal by not only losing my drivable car but also potentially paying out of pocket for the gap and rental. What should I do?