I recently had a life event (job) that allowed me to change my plan. I chose blue cross blue shield options, because the doctor I need to get a surgery from is in network with them! As of yesterday the hospital in Dallas is not in contract with blue health blue shield anymore.... would this be enough to qualify for another life changing event? This doctor is one of the few specialists that preform this micro nerve surgery. I heard soemtimes hospitals and insurance companies come to agreement and they will start accepting my insurnace again.

I submitted a claim for a Wellness Benefit. Date of service: Feb. 2025 Aflac denied the claim on the grounds that a Wellness Benefit had already been paid out this calendar year. But the last Wellness Benefit had been for a date of service in November 2024, so last year. The only way I can figure it is that my policy began in May 2015, and that by "calendar year" they mean May-to-April, not January-to-December. Or.... are they wrong to deny my claim?

I’m looking for auto insurance but I keep getting ridiculous monthly quotes from $700 to $900. I’m a 2nd year college student, 20 years old had my license since I was 18, no accidents. I don’t have any car under my name, but i would be trying to get an old mercedes insured which is considered a “sports” car (family car they don’t use) for some reason. I am currently living with my parents, last time i called, progressive started charging my parents for me to NOT drive, to be an excluded driver. Which was crazy to me. I had to call and tell them I moved address. I tried getting a quote using a fake address saying I live with a friend but they started naming people in said address and asking for their DOBs (which i also read was fraudish?). I really don’t know what to do, i need to commute to school full time, but money is tight with classes, any advice ? Thanks !

TL;DR: my 8yo DSH cat has "slightly abnormal shape to heart," "discussed URI, allergies, etc.", and "susp. feline idiopathic cystitis" written in his vet records, all from different exams and illnesses over the last few years, but with no recurrence in illness or symptoms. Are these comments enough for insurance companies to say he has incurable preexisting conditions and deny coverage of any future health issues? I'm super late to the party (no one told me to get pet insurance when they're young), but I'm looking to get insurance for my two cats, Andy and Ollie. Given that they're basically my children and I'm finally in a position where I have a bit of income, I want to do what I can to make sure they're able to get whatever care they might need (though hopefully they never do). Both are 8 year old DSH, previously indoor/outdoor for 3 years, now indoor only, no major health issues so far (no ER visits, no chronic conditions, etc.). I've been spending a bunch of time reading up on different companies, policies, reviews, kinds of issues people run into, etc., spoke with an ASPCA rep and planned to call Lemonade and Pumpkin to ask some questions and compare rates and plans and such. With all the frustration and confusion expressed different places about claims being denied for preexisting conditions, I decided to read back through the vet records I have and see if there was anything that my cats might get dinged for. There are a few things off the bat: they're both a bit on the chonky side, but weight has been steadily coming down into good ranges. A vet noted mild tartar two years ago, which I know means there's essentially no chance of any kind of dental coverage, but that's not necessarily the end of the world. What's really got me worried is that Ollie has had a few illnesses that I could see insurance companies labeling as preexisting conditions and using to deny future coverage: * May 2024- After a wellness exam where the vet said he was in good health, he became lethargic, struggled to use his litter box, and barely ate. I got him back into the vet ASAP, and the doctor found his bladder was painful and a little swollen, diagnosed "suspected feline idiopathic cystitis (FIC)", and gave him an anti-inflammatory shot and gabapentin. Ollie responded well and recovered in a few days with no issues since. Importantly, the vet noted that the inflammation could have been caused by stress and that his bladder was full but "did not seem to be blocked" -- I know that urinary blockages are considered incurable preexisting conditions, so I'm worried that the lack of definitive language (ie "no urinary blockage") could provide enough wiggle room for them to call it an incurable PEC. * July 2023- This is the one I'm most worried about. I took them in because Ollie had been wheezing a bit after activities like playing with his brother. At some points, it sounded almost like he was trying to get a hairball out, but nothing ever came up. The vet ran some tests to check for heart disease, asthma, or a URI. His radiographs showed "no obvious signs of asthma" and "weren't a slam dunk for asthma", but unfortunately did show "potential heart issues, abnormalities on heart" and specifically that his heart was apparently a "slightly abnormal shape". She recommended a proBNP to see if his symptoms were heart-related and it came back negative, so she said it was most likely a URI and gave him antibiotic and steroid injections with instructions to come back for a trial asthma treatment if he didn't improve. Thankfully, he did improve and hasn't had any wheezing since. -- This is especially concerning because 1) asthma is an incurable PEC and even though none of his vets has ever diagnosed or trialed treatment for it, the fact that asthma was even mentioned could be enough for them to call it a PEC; and 2) the "slightly abnormal shape" of his heart just screams guaranteed denial of coverage. And if this is considered an incurable PEC, what kind of probably serious things could they potentially refuse to cover because it's tangentially related to his heart? * Also, Ollie is a snorer. It's never gotten to a point where he's stopped breathing or anything, but it was happening frequently enough that I brought it up at a wellness exam. We used to live in a house that got fairly dusty, so I asked the vet if allergies might be contributing to his snoring and if an air purifier might help. The vet records read "Disc informed O about URI, allergies, etc.". Really really hoping that me asking about allergies doesn't lead to a future issue not being covered. So yeah, I feel like there's enough in his records for insurance companies to reject so many different kinds of claims, especially claims for cardiac, respiratory, or renal health issues, by saying these illnesses (and snoring) are evidence of incurable preexisting conditions. One of the big reasons I want to get insurance is in case cancer tries to rear its ugly head, especially since both of my childhood pets died young from cancer and all my family could afford was basically just pain management. I don't want to go through that again with my boys, and there are also a ton of other big health issues that could pop up and (hopefully lmao) be covered by insurance. But as much as I want to believe that they'd be reasonable, at the end of the day, these insurance companies aren't non-profits, they exist to make as much money as they can, and there's no Pet ACA to prevent them from denying coverage because of preexisting conditions. Which brings me to my main question (sorry for taking so long to get to the point): is getting insurance for Ollie worthwhile? I'd hate to spend the money on fairly pricey premiums just for anything that might come up to not be covered. Maybe I'm just overly worried and cynical, but the fact that something small can make a massive difference in how much longer I get with my fur babies is honestly scary. Sorry again for rambling, there's just a lot to consider. Any advice or insight is very much appreciated!

I’ve used Embrace for over 11 years for my 4 pound chihuahua. Overall, it was a great experience. Dog is mostly healthy, has had 2 knee surgeries, but that’s it. I have cap on amount 15k per year, and an affordable deductible….until now. Just got notice today that they are upping my premiums 107% per month next year bc reasons?!?!? It’s now a small mortgage w/o explanation or justification. Has this been happening to anyone else? Is this increase legal? Is there anything that can be done about it? Insurance sucks in general, but seems extremely predatory to take my free money all these years, just f me when my boy, who could easily live to be 20, gets older. Almost begging me to cancel the policy.

Hi everyone, I have a 9 month old maltipoo. I suspect he has chronic GERD since he throws up yellow bile if he goes around 6-8 hours without a full meal (like overnight or when he is stubborn and wont eat his lunch). This is to say I want to take him to the vet asap. But before that I wanted to add dental coverage to his policy just in case this issue persists and it causes teeth problems later in his life and then they wont cover it because it was a “pre-existing condition.” Dental work on dogs is very expensive! My problem now is that I emailed asking how I can go about adding this to my policy since I couldn’t find how to do so on their app. This is the response I got. i don’t understand why I can’t ADD coverage. I want to pay MORE money. I wasn’t aware that when I bought the insurance for the year it was locking the policy for that entire year. Now I’m thinking of cancelling all together and renewing with the actual coverage that I wanted. Has anyone tried doing that? Would they let me? Or would they recognize my name and vets and ban me or something. Thank you for all the help TLDR; has anyone been able to cancel their Lemonade pet insurance and renew with the actual coverage/policy they wanted?

I live in California covered by AAA. Last year, March 2024, I was in an accident. I was found to be at fault. At the time I was sent a letter from AAA telling me that the other driver, who is also covered by AAA, had hired an attorney and that they were asking me to disclose my insurance policy limits. I refused and just let AAA handle it. Just yesterday, over a year later, I recieved a letter from AAA saying that they have recieved a settlement demand for the full amount that my policy will pay out, for bodily injury, and that they are in the process of evaluating the demand. They must respond to the demand by April 24, 2025. They also informed me that should the other driver file a lawsuit against me, they will be providing me with an attorney. I'm currently unemployed and am FAR from being able to pay out should they decide to pursue a lawsuit. I tried calling my insurance adjuster this morning, but of course, they were out and I had to leave a voice mail. My anxiety is sky high waiting to see how this will all play out. Any advice from someone that has gone through something similar would be greatly appreciated.

I have UHC and while taking care of some things on the phone with a representative I asked a question out of curiosity which was just my confusion that sometimes when I get my botox for migraines my provider has me pay nothing and I get the bill later, other times I just have to make "a" payment and then get the bill later. When I say get the bill later in both cases I mean after the claim has gone through insurance I then get the billed amount I owe, and the portal for UHC updates with my EOB (I use the EOB to apply for a savings program to be reimbursed by a third party). My most recent appointment however they made me pay the full amount of botox up front otherwise they refused to treat me. I am disabled without this treatment so I just found a card with enough money on it and gave it to them. The insurance representative told me they aren't to make me pay more than a voluntary small amount of my choice if I want to, and that they aren't supposed to deny me my treatment that they approved. She told me to not pay next time and if they push back to call United and get a representative on the phone. My mother used to work medical scheduling however and she insists they can make me pay whatever amount they want and reimburse me later. I am thinking my mom might be more right but just want to hear it straight. For the record I am in the (slow) process of changing migraine treatment providers for a number of reasons related to poor communication or miscommunication.

I’m so frustrated, I have a shih tzu 13 years old who doesn’t have any major problems, other than a collapse trachea and anxiety. But nationwide made my payment $300/month. How am I going to afford this?!

I’m going to be having a baby soon and wanted to know if I will get paid my short term disability leave if I am no longer working? I signed up for Aflac always which says it locks in the rate but I don’t want to continue paying for it if they are going to deny me.