Hi all, I keep running into an issue where my auto insurance is OK then it goes up eventually which makes me want to look around. This past year I've been on a mission to reduce my expenses as much as possible. I cut a lot and the auto is a pain because I lock in a price then when I get it all set up it goes up eventually later. I got advertised a commercial about a site that offers "wholesale" insurance prices that apparently is cheaper because no middle man. I didn't recognize the site so to me it seemed weird so I avoided. I looked for a local broker in my city but they only rep a few companies, one I gave my info to like vin and they never sent me a quote or anything but I got an email that showed they were looking for rates on the carrier sites. That company appears to be out of business now, my city doesn't have many options with local people that can compare rates. Is my best bet to call bigger places individually like geico etc and just change companies each year when the premi

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 went to LensCrafters for an eye exam and new glasses and gave them my insurance information, signed the usual intake documents and paid for the retinal imaging. They told me I was all set and didn’t owe anything else. I have Davis Vision which is covered under LensCrafters but apparently my exam is not covered as I received a call from them asking me to provide a second insurance and that the coat is $179 if not. No one told me before, during, or after my exam that my insurance wasn’t in network and I didn’t think anything of it bc Davis Vision is almost always within network. Even during my visit, one employee had me wait so they could “double check my insurance information”. That would have been a perfect opportunity for them to tell me it’s not in network and discuss the subsequent payment. What do I do here? Can I dispute this?

Was in an accident 2 weeks ago, brand new (to me) car and havnt even made the first payment. the at fault driver had an expired "limited term" drivers license. after police report and information exchanged i have been given the runaround by his insurance claiming that they cannot reach him for a statement so they will deny and close the claim. is this even legal? do i need a lawyer like right now? Thank you everyone for the replies, sounds like i was overthinking alot of this. proceeding with my insurance company to let them go after him or his insurance company and just have the car back.

I have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

I’m really hoping someone who works in medical billing at a dentist office can help me understand this. For context, I have Cigna Dental PPO. I had an oral consultation today that cost $167. The oral surgeon said I definitely need the bottom ones removed, but said she isn’t worried about the top ones. Then here is an image of what I was quoted after. They said I would either be paying $5809 or $3789 depending on what my insurance says. She didn’t sound confident in what she was saying and was speaking to someone else prior. Then, they tried to make me schedule it with 50% down as if I have $1800-2900 just laying around. I could barely afford the consultation fee. I’m I being got or is this how much people are paying to get their wisdom teeth removed? I’m so lost…

I was in an accident back in April. At the time I did not have insurance on my car. The driver who hit and totaled my car admitted fault. Since I didn’t have insurance at the time I contacted their insurance company(Corvel) myself. After 2 months of constantly calling I was able to get in contact with an agent and she was able to compensate me for the car damages and towing charges. She later said she would take care of my medical. I was supposed to gather my medical records from the day of the accident and my medical bills and email them to her. I sent them back in the beginning of June and have not heard back since. Ive emailed and called and have heard nothing. Is this worth pursuing or should I just call it a day and be grateful for what I have received?

Hello all! I was a passenger in a non at fault accident two years ago. My lawyer filed with the person that hit us, and then used my underinsured at the time too (with geico). We just switched insruance and our 6 month premium is 300 dollars more than if I didn't have that claim 2 years ago. Is it normal to have my car insurnace go up because of a non-at fault claim where I was a passenger? Thank you!

Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Hi, Curious if anyone else has had this issue. From what I’ve read online, it seems to be a general theme with pet insurance and I don’t think I have any rights or avenues to pursue to do anything about it. I have had Embrace pet insurance to cover my 3 pets since December of 2020. My insurance premiums renewals for my pets, that I still have the records for have been: Dec. 2022: $112.90 Dec. 2023: $133.49 Dec. 2024: $245.76 My pets are obviously getting older from when I initially took the policy. Current ages: Cat (6) Cat (10) Dog (8) Their rationale for increasing my premium is cost of vet bills increasing, my “tenure” (I’ve had embrace 5 years therefore my pets have likely developed ‘pre existing conditions’ that would not be covered if I was a new policy holder which means more money they have to pay to now cover these conditions), and the pets age. I understand things increase year over year, I’m hung up on the fact that my rate has almost doubled in a single year. I was going to file a complaint with the state insurance commissioner, but it doesn’t seem that they are technically violating any laws. I feel like I can’t switch companies because my pets have “pre existing conditions” that won’t be covered at a new place but at $300/ month I might as well save my money and pay the vet bills out of pocket. I found online that Embrace was sold to JAB Holding company for $1.5 billion dollars in 2023. So I don’t think my premiums are going up so Embrace can keep the lights on. If you have any advice, I am all ears. If you don’t have advice, take this as a recommendation to avoid Embrace pet insurance at absolutely all costs.