Hi all, I'm running into a pretty frustrating issue. I have called like 50 clinics in the Austin area and even though they appear on the list of clinics that take my insurance, they don't. Is the only option to pay out of pocket? My son is 3 and has a delay that was diagnosed at 2. We had speech therapy for a while and he is doing a lot better, but I am having issues getting it covered. I have an Aetna plan that is self-funded through my employer. If I could find a clinic, they would cover the sessions at 100%. My son is 3 and I have called the school district, but they said it would be next school year before they could assess and set him up, if his delay is even serious enough. He does not have autism, he has no other markers for it besides the speech delay.

Had anyone else had a sudden very large increase on their auto insurance premium? I've had allstate for 1.5 years now, and it suddenly jumped up by over $100 a month with no changes. This seems to big a hike to just be rising insurance costs. Has anyone had a big increase as well? Or suggestions for what to do? I can never seem to get an answer from Allstate. One customer service person told me that Florida was having storms and this impacts insurance prices (I don't live in Florida). I'm thinking about just changing insurance companies :(

I switched to an HMO plan, and all doctors at the practice I go to accept my insurance, including my PCP. However, the PCP I was seeing is relatively new, and because of that, they don't show up on the list of providers when I go to assign my PCP with my plan online. I remember having this issue a year ago when I tried seeing them for the first time (I wound up having to wait until my job gave me an EPO plan). I love my PCP, and don't want to have to choose a new one after being with them for a while. Is there anyway to get my insurance (Anthem) to update their list? Or would the doctor have to go through a process on their end?

I recently adopted a 1 year old Golden Retriever and I am attempting the long arduous task of finding the right pet insurance. He is healthy and has no pre-existing conditions — albeit the one that will be documented once I bring him to the vet this week for anal gland expression (which isn’t covered by most insurance providers anyways). I am aware of some of the health conditions that golden retrievers are susceptible to, including hip dysplasia and cancer. And, I know, based on first hand experience, that the breed is extremely accident prone. So I am opting to start the policy early to eliminate other complications from becoming pre-existing conditions if I wait till later in life. At first I looked into Trupanion because I like the premium service of the provider paying vet bills directly (saves some headaches). And I like that it is on a per condition deductible basis, where each condition deductible can be met earlier in life. But I can’t get over some of the horror stories about increased premiums. I am financially able to afford such a service, but the rate increases just seem unreasonable. I’ve also looked into Pets Best and MetLife. Are there any recommendations that you can make that I should consider? Should I just go with Trupanion?

My dad's car was hit by a city trash truck in upstate New York. He was stopped at an intersection and it hit him as it completed a turn onto the road he was on. He was not injured, thank god. My dad was driving an old (2006) SUV that was still in great shape with low miles that he adored. The front bumper and fender on the driver's side is smashed but it is still technically drivable. His insurance (State Farm) is offering him $4100 to surrender the car, or just over $3,000 if he wants to keep it as owner retained salvage. My dad is very upset because he loves this SUV and feels like he should be made whole since this accident wasn't his fault at all. I think the amount they're offering is generous given the age of the car and I've explained this to him. He wants to keep it and fix it himself (restoring cars is his hobby). But it looks like NY will still assign this a salvage title and he thinks this is unfair. Does he have any other options here? He did not get a rental car as State Farm suggested but has been driving his brother's car instead. He has taken time off his part-time job to deal with this situation, so I suggested he add up the time off work plus any mileage and gas bought for his brother's car and tell State Farm about this too. He's just really upset and I'd like to help him with tips on anything else he can do. Any suggestions would be greatly appreciated!

Hi everyone, the title is basically it. I have a marketplace plan starting last year. I signed up for autopay, or so I thought. Turns out not a cent came out after the first payment. There was zero notice. They said they snail mailed me something but I'm in the process of moving and my mail comes to my parents house. Not to mention if I saw something I would have assumed it was a monthly statement and tossed it. They had my email, my phone number, i received multiple emails but not a word about my account. I have a medication I order about once a month that costs around 2-3k without insurance and I'm racking my brain to figure out if it shipped after january. TLDR - bcbs told me that my account is just termed. I cant reactivate and need to contact the marketplace. Does anyone have any advice?

My insurance denied two claims. I appealed it and they denied my appeal. I received a letter letting me know I can request an external appeal through my employer. I submitted a letter, signed doctor's letter of medical necessity, signed medical records release form and a few clinical studies showing effectiveness of treatment. I received a letter in the mail today from Network Medical Review Co. The letter states: NMR has received a request for external review and has been notified from the plan that the request is eligible. NMR has accepted the request for external review. You, the claimant, may submit in writing to NMR, within 10 business days following the date of receipt of this notice, any additional information that you wish NMR to consider in reviewing your claim. NMR will review all of the information and documents timely received, and will provide written notice within 45 days after NMR receives the request for the external review. I'm not sure if my employer would send everything that was sent to them or if I have to send everything all over again. I sent them the original doctors letter of medical necessity so all I have is a copy.

I’m new to the private insurance world, so if anyone knows the answers to these questions, I will take any bit of knowledge given. Here’s what I’m working with:  **-Priority health - HMO ($1,300 family deductible) -Through my employer, Corewell Health** **-State of Indiana Anthem - Healthsync POS with HSAS - ($6,000 family deductible) Through my husband’s employer in the state of Indiana**  * ***How do deductibles work? Policy states "You have to meet the deductible before coverage kicks in"?***  \[I’ve had Priority Health since 1/1/25 (Anthem did not become active until 3/1/25). Priority is saying I have met my family deductible of $1,300 but I am positive I have not paid anything remotely that close in office visit copays or on prescriptions. I’m happy about this, but it seems to me that I had some sort of coverage since the deductible is already met.\] * ***Is it beneficial to notify both insurance companies so that they are aware of “the coordination of benefits”?***  * ***Can I pick who my primary insurance is (for doctors' appointments and prescriptions)? Or does it not matter who is primary and who is secondary?***  \[I might be speaking too soon, but despite the higher deductible, it seems like my husband’s insurance, Anthem, is better.\] * ***Insurance math…??*** I recently picked up a prescription, and the pharmacy processed the insurance claims as follows: * Priority Insurance (primary): $15 copay * Anthem Insurance (secondary): $11 copay The pharmacy combined the two insurances and calculated the total copay to be $7. I'm unsure if this was processed correctly. My question is, with two private insurances, shouldn't the prescription be covered in full, resulting in a $0 copay? Additionally, will I still be responsible for paying an office-visit copay for in-network doctor visits under both insurance plans? \[My logic is that if I'm paying full premiums for two insurance companies, I should receive full coverage between the combined two insurance companies."\] * ***Do I have to run both insurances when filling a prescription?*** \-My husband is prescribed disposable insulin pumps, which required a prior authorization. However, the PA process took months to complete due to communication issues between Corewell Health and Priority Insurance. Fortunately, his disposable insulin pumps are now fully covered by Priority Health. Here's the question: Until the prior authorization expires, is he required to file claims through Anthem when picking up refills? Note that Anthem became his new insurance provider on March 1, 2025, through his employer, and was not involved in the current prior authorization. \[There are numerous prescriptions that Priority Insurance refuses to cover, but Anthem will. It seems like having to use both insurances could be a double-edged sword. The primary reason I have two private insurances is to mitigate the issues with prescription plan exclusions. Specifically, one insurance company will cover certain medications that the other will not, and vice versa.\]

I recently bought a car is a Hyundai accent 2019. It has 70k miles but here is the problem; I’m currently paying 327.94$ for my car insurance with Geico and that is insanely expensive. I know that I can change my car insurance after 6 month, but I want to know if someone know a cheaper car insurance or something that I could do for make it cheaper after the 6 months. I’m 20 year old and I’m new in the USA. Please I need some advice.

I got an email for my claim today saying my cat showed signs for diabetes at her exam in sept (I posted a pic of the exam notes on left and the email from embrace today on right). I don’t see anywhere it says she had diabetes. She was throwing up, but vet never said she showed signs of diabetes. My cat became diabetic late Jan, early Feb and is already in remission. Should I fight this (get a note from the vet)? Has anyone heard of successful stories?