Hello. In December 2024 I enrolled in health insurance with United Health care through my employer during open enrollment. Benefits were to begin 1/1/2025 and my premium was to be $54.44. I noticed on my recent paycheck that my premium had more than doubled. I never received notice of this premium increase and only realized it had happened because my paycheck was smaller. I called them and they said the increase was because they "recalculated my information and saw an adjustment was needed." I demanded they cancel my plan, as I had not agreed to this premium. They said I wasn't allowed to cancel until the next open enrollment period with my employer in December 2025. They said they would open an appeal on my behalf and created a ticket, but I’m doubtful it’s going to make a difference, they will likely just reiterate what they already said and not allow me any recourse. Are they allowed to do this? Do I have any options in this situation or do I just have to accept that they can charge me whatever they like throughout the course of the year? I was not aware rates could change mid-policy like this. I am 48 and healthy. I have a nearly $10,000 deductible, and don’t go to the doctor for anything outside of my yearly checkup because I cannot afford to pay for anything out of pocket. I’ve also stopped taking prescribed medication because I don’t want to pay for that out of pocket either, and I can get by without it. It’s crazy to me they’re allowed to do this. Apologies in advance if I have posted in the wrong place.

Right after the hurricane, my car insurance with Nationwide went up to $220/mo (was $150). They told me it was the best rate they could get for me...yeah right! With a late fee of $30, I have been paying $250/mo! I just went with progressive and am back down to $150/mo with good coverage...200 deductible, car rental, roadside, etc. Nationwide was a total rip off.

I might get flooded with 100 "No, why didn't you read the policy language" comments, but it's worth a shot! My partner and I have been with Trupanion for four years, and we have a love-hate relationship with it. (But it feels like that's common for most pet insurance providers -as with insurance in general). We have been fortunate to gain more financial stability in the past year and decided we wanted to add "Recovery Care" to our plan. This would raise our monthly premium from $145 to $190, but we decided it was worth it. However, when we reached out to Trupanion via online chat to add this coverage, they let us know that they have a policy that you cannot modify your policy \~at all\~ after 30 days of joining said policy. This is wild to me because financial circumstances change, and...why would they not want to get more money? Now I'm seriously considering changing providers. My question, before "jumping ship" from Trupanion is: has anyone gotten them to waiver on this policy? I'm also going to call their customer service line to see if I'd get more traction there compared to the online chat, but I thought I'd ask here too.

Can someone help me with Lemonade pet insurance? My pet policy is 80% reimbursement, $250 deductible, $10,000 annual. My dog went to the vet to get a mass checked out and got bloodwork done. My plan doesn't cover exams or bloodwork. Cytology was $185 and fine needle aspiration was $40. In this case, the eligible cost that would go towards the deductible is the cytology exam and fine needle aspiration, which adds up to $225. I was under the impression Lemonade paid out 80% AFTER the deductible is met. But Lemonade just got back to me, and it shows that they covered 80% of the $225, which is $180. Which means I still have to pay $70 until my deductible is met, instead of $25. I thought the 80% was only for reimbursement after the deductible, not 80% coverage of the deductible. Is this how all pet insurance work?

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.

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.

I currently have condo insurance with Mercury, but their dwelling coverage isn't high enough, so I asked my Mercury agent how much it would cost to buy more dwelling coverage. He didn't respond for almost 3 weeks, which was concerning and surprising because when he were wooing me, he responded within hours. I shopped around and got a slightly lower quote from Progressive. The low cost is nice, but I'd rather go with the company that'll actually pull through in case something happens. I read a bunch of reddit posts about both Progressive and Mercury, but the experiences all seem so varied and I have no idea who's the most reliable. Sadly, they both seem kind of shitty, but we're strapped for options in California and I can't find anyone else who will take me. I've looked on various insurance ranking websites, but so many sources contradict each other. (For example, Mercury won best insurer in 2021 with JD Power but they have a low star ranking for customer satisfaction with NerdWallet.) With so much contradictory and anecdotal information, how does one even choose a home insurance company? It doesn't seem like there's a general consensus on reddit either about one company over the other.

I have State Farm and pay about $750 monthly for my several cars and teenager. Every carrier I quoted with (the major ones that everyone knows) All wanted $1,100 or more per month for exact same coverage. These people are crazy!!! The $750 I think is already too high. 3 cars, 1 truck, 2 adults and a teen. No accidents, tickets, or claims for anyone, ever. Going to try a local broker tomorrow. Maybe they can help. Are other people seeing the same crazy differences when getting a quote? Any good experiences using a broker and anything I should watch out for? Never used an independent broker.

Had an accident the other day my insurances says I’m 30% and the other party is 70% so what will I end up paying out? Even though the police said he was 100 at fault. I haven't seen the official Police report yet, not sure if the Police added he was at fault in the report. Hoping he did as even with dash cam it shows him hitting me in between my Drivers front fender and Driver's door which I can't open BTW. How can this be my fault in away.. State of Florida is weird with reports they only gave names and insurance info which the other party gave false information for New York driver.

So my mom (74) went to the dentist for a root canal today and was told the procedure was covered by her insurance. She has Humana and a root canal on her plan should be $0 out of pocket, however, she ended up paying $1800 because she felt stuck. We found her dentist through the Humana provider site and called the dentist to make sure they took her insurance. My understanding is that once you pay, it’s a done deal but does she have any legal recourse to recoup that money? Thank you in advance