So this may slightly be my fault but I need to vent and need options. I have had pets best for 2 years. My golden retriever blew her ACL and I took her to a surgeon and they confirmed it. The entire process took 5 months. I called pets best to see how to proceed, they said to pay the bill and then send everything to them. So I did. They just came back and said that they will not reimburse me because I don’t wait 6 months to have the surgery. WTF!!! and why would you not tell me when I called to ask how to proceed?!? Am I just out of luck? Or do you think that this is worth fighting? I am out $7k now. This is why I had pet insurance in the first place!!!

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

Do they not regulate, or loosely regulate, pet insurance premiums in Pennsylvania? I started a string on a cat Facebook group asking people to note their cats age, healthypaws premium, and city/state. To my surprise, someone with a cat in NYC at a similar age was paying way less than me. For reference, my cat just turned 19 and my ~60 day notice says my premium is going up from ~$380/month to ~$650/month. I don't think I have the option to switch insurance providers since my cat has a lot of health issues we are managing. Most plans do not cover pre-existing conditions. Can people post their healthypaws premiums below if they own a cat, inclusive of the age of your cat, city and state? For those who live in Pennsylvania, are you also seeing crazy increases? If there is a pattern of Pennsylvania being the outlier here, I can draft a letter to the Department of Insurance and the Attorney General. Note: My premiums for my cat when she was about 17 and in Phoenix, Arizona, were ~$150/month.

Does anybody know or have had a awful experience with State Farm? They have kept my car at a body shop. It was a front end collision. They fixed all the outside of the car. Even things that did not need to be replaced. When went to pick it up it was not drivable. We told them at the time of the crash that they stability. Track went out. They refused to fix that. They told me to have it towed to my dealership. And guess what? I can’t get a hold of their roadside assistance. And every time I call they act like they don’t even know Like there is no claim! How can that be? They still have my vehicle at the shop.

I was hoping someone might have some insight on pet insurance. I have a 2 yo pit bull who, in the last year, started limping. (At this point, we did not have pet insurance) In May of this year, we took him to our vet and they did X-rays and said most likely he has a partial tear in his ACL, however he couldn’t really tell in the X-ray because he wouldn’t stop wiggling for the pictures lol. Fast forward 6 months, he has a hard time getting around now on both legs because he’s over compensating with the other leg which I was told would more than likely happen. I plan to get the surgery for him asap. We got Pets best insurance a month later after his appointment in May and we are just about at the “6-month waiting period.” I’ve never dealt with pet insurance before. I am familiar with the fact they don’t cover “pre-existing conditions.” I fear that when we go back in January for a new consult that the insurance isn’t going to cover his surgery because we stupidly took him to the vet prior to getting insurance. I guess my question is, has anyone dealt with pets best insurance for this type of situation? How were they? Also, would anyone recommend a different insurance company? I know there are a select few that cover pre existing conditions. I feel like I totally screwed myself taking him to the vet for this before getting insurance. He’s only two and I refuse to let him suffer his whole life because of this. Thanks for any advice in advance. Picture for attention ❤️

I was rear ended last week while driving my 16-day old 2025 Subaru Outback Premium. The other driver was in a Hertz rental vehicle and his car was 'insured' with his Chase Business Ink Preferred card but that does not include liability insurance, and he does not have personal car insurance otherwise, so he does not have any insurance to cover the damage to my vehicle. He apparently lives fulltime in Israel although I think he is also a New Jersey resident. It is not clear to me how he could legally be driving a rental vehicle without liability insurance or how Hertz rented him a car without it but that is more of a side note since regardless of the circumstances he does not have liability insurance. I spoke with my insurance company, Geico, and they are directing me to go get my car fixed, to pay the deductible, and that they will confirm he is not insured and then pursue him personally through collections if needed. I am still waiting for the Geico coverage team to reach out to me since they apparently want to confirm this isn't a fraudulent claim as the vehicle and insurance are brand new so I am waiting to get the car repaired in the meantime. I did visit the Subaru mechanic earlier in the week and they thought that in addition to replacing the back bumper there is likely damage to the frame based on a visual inspection. Of course, they won't know anything for sure until they open the car up and look. They recommended that I make a claim for Diminished Value since the car is certainly worth a lot less than it was a couple days prior- I haven't even made my first payment on the $35k loan. I asked Geico about a Diminished Value claim but they told me that the claim needs to be filed against the other driver's insurance and that basically it doesn't have anything to do with them. I do have $250k of Uninsured Motorist Bodily Injury/Supplementary Uninsured Motorist but apparently that doesn't do me any good (my car and insurance are New York). I have been in contact by text message with the other driver but I'm highly skeptical that he would pay me thousands of dollars out of pocket on top of the other liability that he has since his proposal to me was that I run this all through my insurance and he sends me $500 for the deductible "to make me whole". What are my options moving forward? Do I engage an assessor after the repairs are complete so that I have a record of the diminished value? Maybe it's better that I get a lawyer who has experience with this and can manage the court process for me since this will almost definitely go to small claims court?

I just had my first mammogram (just turned 40). My breast are extremely dense. Otherwise, normal/negative mammogram. I did the ABUS and now they want me to come back for additional ultrasound due to artifact versus true mass. At this point, I don’t really trust the ultrasound because of how dense my breasts are. The ultrasound lady kinda laughed at how white the screen was after she did the imaging. So here is my question: has anyone with extremely dense breasts ever gotten a screening mri of breast covered for extremely dense breasts? Not really counting on being able to do it as a screening test at this point because I’m probably now only able to diagnostic tests due to the ABUS findings. Asking for future testing mostly. I called BCBS and they were useless. I asked “if I have extremely dense breasts and my doctor puts that as the ICD:10 for a screening mri of breast will it be covered?” It lists screening mri of breasts as covered on my EOB. The lady on the phone couldn’t answer me. Appreciate any insight. Thank you!

I did my due diligence and found a provider listed on the BCBS website listed as in-network. I verified with insurance and the whole nine yards. However, when BCBS adjudicated the claim, it was processed as OON to my surprise. When I questioned why, I was told the provider used a different NPI that is OON. In all seriousness, how is a patient supposed to know what NPI a provider bills under? Do I have grounds to appeal the OON determination or should I ditch this provider and find someone else?

I am getting a crappy rate on my so-called HSBC "loyalty" ISA and want to move it to 212. When I go through the steps in the app, it connects to my bank account and opens my HSBC accounts, but my loyalty ISA is not there as an option to transfer from. All my other accounts are showing? Can anyone tell me what I am doing wrong here?

My Dr wants to enroll me in a weight loss support group program. I have a high deductible plan with UHC so I will essentially be paying out of pocket until I meet my annual deductible. Dr's office asked me to call my insurance to check if it's covered, and they told me the billing codes. UHC said it's covered, but the cost ranges from $30-250 (per 20 minute session) depending on what the provider charges. They will pay 90% after I meet my deductible. They say that they don't know how much a particular provider will charge. I asked my Dr what they would charge, and they said the price is set by the insurance company. Who is lying?