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Insurance companies are constantly reviewing us. Are we too old? Do we live in the wrong place? Is our credit score high enough? Well, now it's time to turn the tables. Do you charge too much? Will you pay my claim quickly? Is your coverage worse than it seems? We can review you too.
Pennie - Clarification about guidance from Pennie about complex health insurance case involving legal immigration.. Help!
I attempted to enroll my wife in a Pennie health insurance plan with a July 1 start date, even though she won’t physically arrive in the U.S. until July 8. She’s entering as a lawful permanent resident, and as I understand it, that status only becomes official when she enters the country and gets the I-551 stamp or green card. When I called Pennie, I expected them to tell me to wait until she arrived. Instead, multiple reps told me I could start her coverage as early as June 1. They said as long as I uploaded her green card by the September 18 deadline, everything would be fine.
At the time, I followed their advice. But now that I’ve gone through the actual policy language from Pennie, I’m second-guessing the whole thing. From what I can tell, coverage can’t legally begin until someone is lawfully present. That would make July 1 an ineligible start date since she won’t even be in the country until July 8. It also looks like coverage normally starts the *first of the month after enrollment,* which makes me think August 1 is actually the soonest possible date.
So now I’m stuck wondering what happens if I submit her green card later and it clearly shows that she didn’t become eligible until after the start date I selected. Will the system flag it? Will coverage be denied or quietly canceled? Do I need to withdraw and reapply once she arrives?
I’m looking for input from anyone who really understands how Pennie processes these kinds of cases—ideally someone with inside knowledge, or a rep who has seen how this plays out in practice. Any analysis or clarification would help a lot.
Progressive - Why does Progressive want me to pay more for no coverage.
Progressive - Wear and tear vs. unnatural wear due to damage
My wife was driving and was hit in the rear driver panel and part of the rear tire in a hit and run. The car was drivable so it was not towed. The impact caused the tire to toe out however.
For context, I had the specific tire that was hit replaced maybe two months ago. That being said, BOTH rear tires were worn down to bald and wire showing in some areas.
Progressive has deemed that only the drivers side tire is eligible for coverage because it caused sidewall damage and that the tires are bald because it is a performance vehicle. They are also saying that a single tire being improperly aligned/toed would not cause any additional wear to the other tires.
Do I have any options as far as getting them to cover the passenger tire? Is there a magic phrase or wording I need to use? I understand that a new tire is only around $250 to mount and balance but I feel like this is something the insurance should cover given the circumstances.
ASPCA - ASPCA 39% Increase, need advice
My dog has IVDD and hit the $10k annual limit this year. I’ve been paying $178.49/month for 90% reimbursement and a $500 deductible. Now my provider wants to increase it to $248.59/month for the same coverage, which is a 39% increase ($840 more per year).
Has anyone found a provider that covers chronic conditions like IVDD without this kind of rate hike? I’m open to switching if the new insurer doesn’t exclude spinal issues and will accept pre-existing.
MetLife - Is MetLife Pet Insurance really worth it or just another scam? Need honest reviews!
Hey everyone, I’m considering getting MetLife Pet Insurance for my dog but I’m so confused about whether it’s actually good or just a waste of money. I’ve heard mixed things and want real opinions from people who have actually used MetLife pet insurance. Does it cover enough? Are the claims process and customer service decent? Or is it just another insurance company that makes promises but doesn’t deliver? I’ve been burned before with other pet insurances that seemed great at first but then denied my claims or had crazy restrictions. Looking for honest reviews about MetLife pet insurance — did it help with vet bills? Was it easy to deal with? Any tips or things I should be aware of? Thanks in advance, pet owners!
Blue Cross Blue Shield - Billing mess
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?
Progressive - Progressive Snapshot with Tesla FSD
So we now know one of two things - either snapshot is designed poorly or FSD brakes too hard in a model 3. I don’t use anything except FSD and the best I’ve been able to score is 4 out of 5 stars all because of what it thinks is hard breaking - apparently snapshot isn’t designed for autonomous driving. PGR , time to wake up!
Nationwide - Why I didn’t go with Nationwide for my new puppy
I had a great experience with Nationwide for my previous dog, who had epilepsy and developed a lot of complications. We hit our plan’s annual limit halfway through the year, every year — and they paid out thousands without much hassle. Genuinely smooth process.
So naturally, when I got my new puppy (Alfie), I went back to get a quote. But they quoted me over $200/month. I’m guessing it’s because of my history of high claims, even though this is a totally new dog and policy.
I ended up going with Lemonade (for wellness/preventative) and Trupanion (for emergencies/accidents), and I’m paying less than $100 total per month.
Just wanted to share in case others are running into similar pricing surprises with Nationwide. Happy to answer questions about my setup!
Lyft - Hit by a Hertz Rental Car Driver who was driving for Lyft at time of accident - what do I do next?
I was hit by a Lyft driver back on 11/17/2024. They didn’t check their blind spot and merged into me on the freeway. My car’s front bumper is cracked and messed up, I had to change that tire, and my windshield wiper fluid tank is cracked.
I don’t have proof of the accident but I filed a police report as soon as the incident happened and I recorded the situation right after. I think it’s very obvious (from the damages and location of the accident) that her car hit my car.
This problem became complicated because they were using a Hertz rental vehicle, not their own car.
The driver gave me their insurance information and she claimed that she bought “extra insurance” to cover incidents. I come to find out, her Hertz insurance doesn’t cover the incident because she was driving for Lyft?
And Lyft is now saying, “If we agree to pay for some or all of your property damage on behalf of
our policyholder, we will only consider reasonable rental expenses, for a vehicle
comparable to the damaged vehicle, and/or reasonable storage expenses for
reimbursement.”
Does this mean they will not be paying for any of my actual damages??
I unfortunately do not have collision coverage, I only have California state minimum requirement. I’m looking to switch but full coverage was just way out of my budget at the moment ($400+ per month).
Please help :( I don’t really know what to do next. I’d appreciate any advice!!
Brinks - Brinks security system contract, how can I leave this?
Hi, I’m new to this sub. My husband got brinks security system before we got married, few months ago I was going through our monthly budgets and saw $65 for brinks subscription for the cameras barely working and not recording anything when something important happened. For example somebody broke in to my husband’s car and camera didn’t record then I called them and they asked $1500 for cancellation because it’s 5 years contract.. I hung up and was planning to take it to small claim court but some other major life events happened and I didn’t think about it until yesterday when somebody hit my husband’s car in front of our house where the camera supposed to record but it didn’t.. I’m so mad and want to get rid of entire system from our house and don’t want to have any legal attachment to them anymore. How can I do that without paying $1500? Would small claim court fix this? I’m willing spend few hundreds if needed.
Location: Augusta, Georgia
Thank you in advance to all of you.
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