My Aetna plan will be removing Miebo from coverage in the new plan year effective 7/1/25. This drug is the only FDA approved drug proven to treat the evaporative component of dry eye disease. There recommending I switch to Restasis , which is a good drug, but only treats the production of tears and not evaporation. Since there is no generic and no FDA approved alternative , are there any legal actions I can consider, or the plan can just do whatever they want and I’ll need to find another company that will cover the plan. The drug is about $800 a month, and while I can make it work, I would prefer for it to be paid for. I could also attempt to back door the European Version EVOTEARS from Germany for $20 a bottle.

Windshield had some severed cracks that started to spider out and had to be fully replaced/recalibrated. Before having it fixed, I filed a claim with my insurance company (progressive). My claim was denied as I hadn’t yet met my comprehensive deductible and didn’t have glass coverage at the time. I added the glass coverage a couple weeks after the claim was denied to make sure I’m covered in future events. I finally saved up enough to have the windshield replaced and recalibrated just this week. My question: Is the amount I paid out of pocket for this replacement eligible to go towards my comprehensive deductible for any future issues? My biggest concern is that I just don’t want it to look like I’m trying to commit insurance fraud by submitting a second claim for the same thing after just adding the glass coverage. Appreciate any help.

Hi Last month I bought an older truck after having it 2 days it stolen from in front of my apartment in SE Portland OR. I filed a cliem, the car was recovered, YAY! Not so fast. The adjustor decided the car was not worth repair. Progressive called the leinholder and they decided to total the car. As a person that used to be a mechanic I wanted the car because I could fix it for less than 1500. When I called the lender I was told, "it is better for me and better for you". The lender is wanting me to pay the difference between the orig loan amount and what insurance pays. My position is, the lender take what is offered, apply it to the balance and I continue to make the payments. He will get his money, I'll get the car and we are both happy. The issue is, I didnt have the chance to explain that to the lender (buy here pay here lot) the decision to total the car was made without speaking to me about it. What are my rights?

I've always had a fairly good experience with State Farm. I had a fire claim around 10 years ago and they paid promptly. I also had a boat claim several years ago and, in spite of some issues, they paid that as well without too much trouble. Last year they increased my homeowner's premium from $2k to $3k; then in November a tree fell on my house. Most estimates for repair were in the $20-30k range. State Farm's adjuster said the damage was less than my deductible ($9800). I also tried to get quotes from companies that State Farm suggested. These seem to mostly be brokers for contractors and not contractors themselves. 2 never responded, 2 inspected and declined to bid, and the 3rd submitted a bid to State Farm that was the same as all the bids I received. As of last week, my adjuster was still "working on it". Meaning, I assume, that they were just going to wait it out until I gave up and did the work by myself. Note to State Farm: your strategy worked! Sitting on a claim for 4 months while a roof leaks is a good strategy for not paying a claim. I've repaired much of the damage myself (basic carpentry), I paid for the tree removal ($3500), and I'm paying for a replacement roof. All of the roofers who quoted said it would be $15k to fix the damage and $20k to replace the entire roof, and since my roof was getting old, I opted for replacement. I'm getting close to $30k spent. Yesterday I happily canceled my policy and switched to another company at 40% less for the exact same coverage. I understand that State Farm is in business to make money and not to pay claims, so I expected them to lowball the repair cost, but 1/3 of actual cost is just silly. What annoys me most is all those years of wasted payments for insurance that wasn't really insurance. Hope this helps someone else not learn the same lesson the hard way.

Trupanion raised by rate by 56% on my dog who is not yet 2. In other words, we've only had the policy for about 1 1/2 years. She continues to be in perfect health too, no claims. What a breech of trust! I've never missed a premium payment.

I currently have Fetch pet insurance and they dropped my cats coverage to 50% from 80% bc they thought her account was unbalanced. They basically penalized me for using the coverage I pay for. For those of you who have had pet insurance for more than 2-3 years, which ones have you been happy with? I also, just got my new cat lemonade pet insurance but now I am having doubts. Pls helppp

I wish I had corn to Reddit in June of 2023 before signing on with BF but I didn’t. So here we are. My last creditor still “in negotiations” is Bank of America and i just received a hand delivered summons today. My enrolled debt for them with BF is $28k and They are suing me for $31k+. I’m waiting for the legal team contracted under BF to write up the response to the summons and the finance team to continue towards a settlement but I am panicking. I read that 90% of the suits BoA peruses goes to default judgement bc the defendant doesn’t answer. Any advice or similar experiences would be appreciated because I obviously cannot afford $31k….

I had surgery on May 8th. At that point, I had not yet met my deductible or out of pocket max. I was told that I would owe $3,500. $150 to go towards my deductible and the remaining going towards everything else. I paid them $2000 as a deposit before the surgery leaving me with a balance of $1,500. I was told at that time that as long as everything was covered by my insurance. If at any point I met my max out of pocket, that I shouldn’t owe the hospital any more money, even if there was still a balance remaining. I also had another surgery on May 12th. I knew that between both surgeries, I would cover my out of pocket max for my insurance. I got two bills in the mail about a month later one for the first hospital for $1,500 and one for the second for about $2,000 I called my insurance and explained that I met my max out of pocket so I shouldn’t owe anything. They said they submitted claims to both hospitals and that it should be taken care of. I was still receiving bills for both hospitals so I called my insurance again and they said that the second surgery was covered and the claim was being finalized but that they weren’t seeing anything for the first surgery as far as claims go and that I needed to contact the hospital and have them give my insurance a call. I contacted the hospital and they said they would not contact my insurance because everything looks right on their end and that my insurance needs to contact them. I have since contacted both my insurance and the hospital and they are saying that the other needs to be the one to call and that “we don’t call them, they need to call us.” The only thing is that the hospital suggested that maybe I put them on a 3 way call. Anyone who knows about insurance and what I should do, please help. Also I’m sorry this is so long 😅

I’m looking for employment in the financial sector and I got on a zoom call with a financial services company, companies name is Axium. They’re an independent broker using Primerica as their custodian. He kind of explained they’re like a marketplace for financial products now . 401(k)s, annuities, mutual funds, even rocket mortgage. As well as life insurance. But I have concerns because I’m a child of the 90s and I remember Primerica having a bad rap. Seems like they don’t have the same practices they used to. But I’m wondering if it’s worth it to take this employment, and if I’m just making something out of nothing. Does anyone have firsthand experience with Primerica as a client or employee?

Here's the situation: **The unit below me reported ongoing water damage on their ceiling/wall.** The building paid a plumber to do an investigation. After many hours, they were able to determine there was water coming from my toilet. I brought in my own plumber and he figured out there was a leak inside the wall where the toilet connects to the pipe (its a wall mount toilet and the gasket wasn't forming a tight seal with the pipe). This toilet pre-dates my ownership, if that matters. I had him fix it and paid him. Obviously the apartment below has repair costs. I immediately engaged a claim with my homeowner policy provider (Travellers), sent them the plumbers reports (both mine and the building), the by-laws of the building, and put my insurance in touch with the owners of the below unit. Fast forward, after some research, **my claim person says 'I'm not liable because there was no way for me to know about the leak, so the owners of the below unit should file with their insurance'** It is true there was no visible leak or damage in my apartment. Now the unit below me sent me an estimate from their contractor and says 'As you’ll see, they have denied the claim, stating there was “no evidence of neglect” on your part. **Given the damages I sustained, I need to understand how you intend to address this situation and take responsibility for the repairs.**' It's not clear if they've filed with their insurance. The husband and wife don't always seem to be on the same page. They are claiming repairs cost $30,000! I don't know how much of this is really related to the damage, as they are also in the midst of a major reno and might be using this to pay for some of that on the sly. I don't have a relationship with them. To clarify the leak was a long slow drip, which only occurred when the toilet flushed, which is why it took so long for the building plumbers to track down. Regardless, it seems weird to me that the insurance judges I'm not liable, just because I couldn't know about the problem. Especially since the policy seems to explicitly cover damage from water seepage where the insured is unaware because its hidden in a wall (in the DOES NOT COVER section for liability it says: CONTINUOUS OR REPEATED SEEPAGE OR LEAKAGE OF WATER OR STEAM OVER A PERIOD OF TIME, WEEKS, MONTHS, OR YEARS, FROM WITHIN A PLUMBING, DRAINAGE, HEATING, AIR CONDITIONING,SYSTEM OR AUTOMATIC FIRE PROTECTIVE SPRINKLER SYSTEM OR FROM WITHIN A HOUSEHOLD APPLIANCE **UNLESS SUCH SEEPAGE OR LEAKAGE OF WATER OR STEAM AND THE RESULTING DAMAGE ARE UNKNOWN TO ALL insureds AND ARE HIDDEN WITHIN THE WALLS OR CEILINGS OR BENEATH THE FLOORS OR ABOVE THE CEILINGS OF A STRUCTURE**). **Right now I'm waiting for response from my insurer and also the apartment below** (to see if they have filed with their insurer and if that insurer is in contact with mine). Up until now my interactions on this issue with the apartment below have been pretty even tempered, but their latest email feels like they are escalating and I'm concerned I might even need a lawyer (I live in NYC btw). (added highlights to help with TLDR)