Hi all, I’m not sure if this is the appropriate place to put this but I’m at my wits end. I (27, F, England) decided to buy Sabrina carpenter tickets via viagogo as I didn’t manage on Ticketmaster. I had my first suspicion as it charged me with HK yen and not GBP, but viagogo assured me that it was all legit and if not I’ll get my money back. Fast forward to last week, I start a new place and forgot to ask for time off for the gig. So I decide to sell the tickets (even tho I don’t have them yet, apparently they’ll be coming on the day of the gig) and someone decided to get them a few hours after I listed them. Imagine my surprise when I woke up today and see an email from Viagogo saying that if I don’t put the tickets up by tomorrow evening, they’ll be charging me all the money (that I do not currently have) and not the original seller I bought them from? And apparently the original seller is still telling me the tickets will come on the gig day? Why am I getting pressured to send tickets I do not have earlier than what I’m getting the tickets? What can I do if they decide to do this? Can I talk to my bank and issue a refund? Can I take them to the police for pretty much stealing my money? I need help.

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

Long story short, I recently got a grant for my son who has autism spectrum disorder and was able to find a provider who had social skills therapy for him. The grant will reimburse me costs 100% however they need a copy of the EOB. I found a provider who was out of network but was the only one offering this therapy in the time period I needed it. She was upfront saying that we would have to file our own claim which I have no problem with. She provided the superbill and all of the codes. Well today I logged into UHC to try to submit a mental health claim and the form is not available, then I called them and they told me that I cannot submit my own claim. I told them that my provider does not file claims but they were insistent on saying that the doctor would have to file them. Is this a common practice? I am just frustrated.

We were uninsured for awhile, and honestly, it wasn't that bad. We had a 94% discount from the hospital we used and had a great experience with them for many years. Fast forward to last year, we officially got insurance. Cigna. We have an HSA account and a high deductible. We spend SO much money, but I view this as paying for peace of mind so if anything horrendous happened we would be covered. Now, I just got word that our hospital is discontinuing service with Cigna and everything is going to be considered out-of-network. This is a blow to our family because 2 out of the 4 of us require specialists. My son is medically complex and the hospital has a children's hospital wing where he sees 5 specialists a year and may need surgery in the coming years. I've spent years finding a medical team that works for our family and they're all at this establishment. It's all being pulled out from under us...it takes effect in 3 weeks. I don't know what to do now....should we go back to being uninsured? How do we shop around for insurance? Should I look into catastrophic insurance? A friend recommended US Health Group but after searching this sub I'm hesitant. Key points: 1) We make too much money for any form of government assistance (however, we are NOT wealthy) 2) We live 2 hours away from the next closest children's hospital and I have yet to find out if they accept Cigna. 3) How do I vet an insurance company? TIA

I’ve been thinking about getting Lemonade Pet Insurance for my dog, but I’m not really sure if it’s a good deal or just another scam. I’ve read some reviews that say Lemonade Pet Insurance is affordable and quick to process claims, but others mention hidden fees and terrible customer service. Honestly, I don’t want to end up paying all this money and then having Lemonade Pet Insurance deny my claim when my dog gets sick. Has anyone here actually used Lemonade Pet Insurance long-term? How’s the coverage, especially for things like emergencies or hereditary conditions? Would love to hear real experiences before I make a decision.

My husband works for a company headquartered in Virginia, though around 1/4 of their staff are in NC. They recently switch their health insurance from Cigna to Sentara, which I’m sure is great for the Virginia folks but our nearest in network hospital is now a 1.5 hour drive from here. This seems like it would violate some sort of MEC requirement? But I don’t know enough to know and my husband has not been able to get in touch with HR for answers.

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?

Hi All, Looking for some advice/experience dealing with pet insurance. I have 2 sister cats, 5 years old. I just spent an obscene amount of money on dental work for one of them and am trying to determine if pet insurance makes sense for me going forward. Cat 1 has had some eye infections in the past, at this point treated but she will flare up occasionally when she's stressed. I'm worried that will be considered a pre-existing condition and won't be covered because she's received treatment before. Cat 2 is the dental work one, and I am anticipating more cleanings in her future. Does previous dental work trigger a pre-existing condition or have you seen that in your experience? She's also getting treatment right now for an ear infection and I'm worried she's susceptible to those as well and that will also be flagged as pre-existing. I have no faith that an insurance company will deal with me fairly, so I'm wondering if it's even worth it if any of these issues won't be covered as they're what I go to the vet for usually. I have a number of options for insurance based on my employer's perk programs. I see a place like Spot will cover issues after 180 days, but then it seems like they only cover $100 on dental cleaning? That doesn't seem like much when for cats they have to sedate them anyway? I'm sort of rambling but I guess my ultimate question is - is it too late to get insurance for these cats because I've been diligent on getting them treatment in the past?

I was hopping someone could help me. My family is adopting a puppy this April and we want to get insurance coverage for it. I have read reviews online and here and it seems like people don’t like most companies because, shockingly, insurance companies don’t want to pay up. So I guess what I’m asking is does anyone have a recommendation for a company that reliably pays claims? I’m not too concerned about reimbursement times a month is fine, but I just don’t want to get scammed. It seems Trumpanion is very popular but also is 2x the cost of everyone else, To the tune of 1200 a year. It seems from the research I have done, Lemonaid, Figo, Fetch and Met Life have plans I could work with. Fetch being the cheapest and covering initial visits which is cool But concerning that it’s so cheap. Also is 10,000 annual coverage sufficient? I live in Seattle suburbs and have no idea what stuff costs. Thanks for any insight you all might have.

Ok, this is absolutely insane to me but coming here to see if anyone has any advice or thinks I'm overreacting. My dog's TLDR background: * almost 2 years old, GSD mix with cattle dog, pit, husky * has been exhibiting some intense anxiety (can't take him on walks) and sensitivity to noises (these send him into a panic) * our trainer noticed he had a head tremor when he was about 5 months old, but my husband and I never noticed it, neither did our first two vets. Our current vet noticed it + an eye tremor about two months ago and recommended we see a neurologist and get an MRI * Thankfully the MRI showed a normal brain but it did show an inner ear infection The MRI was almost $5k. I submitted it to Embrace and they DENIED it because they are saying his inner ear infection is related to his itchy skin that he had when we rescued him at 6 weeks old, and therefore falls under his pre-existing condition. The MRI wasn't to identify the ear infection, that's just something that happened to show up. The MRI was for his brain health to see if we could determine why his behavior has gotten so anxious and he's started showing aggression. I've included screenshots of their "reasoning" and it seems absolutely crazy to me. Has anyone experienced something similar or have advice on how to proceed?