I have been dealing with new health issues and it’s freaking me out. I was previously on medicaid under my mother but became ineligible after I turned 19. I cannot enroll for myself because I was denied twice already for other reasons/don’t meet this “qualification.” Before that happened, I was with a provider who ordered a scan for me that showed something but I had to cancel the appointment after losing coverage. My mother then unfortunately put me under a plan under UHC but after I started having issues with them (plus all the things that’s been said about them in general), I’m thinking I should look for another. I’m not sure where to go from here though because it’s passed the enrollment deadline since a while ago and I do not meet any of the special circumstances to enroll. Both of my parents are on medicaid so that’s not an option for me anymore. (for context I am 20F in college, currently don’t work a job, and from Illinois)

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

In 2022 I made a small insurance claim for water damage, $2k, with Progressive. Since then, every time I get quotes for homeowners insurance I get denied, or have to accept high rates, because the Lexxis Nexxus database shows I made 3 claims. A year ago I disputed these several times, and got a letter from Progressive that confirms I only made 1 claim. When I talk to LN, they tell me they've removed the claims, but over a year later I'm still getting denied by insurance quotes and told they are still showing up by the insurance companies. Is there an agency like the CFPB I can submit a complaint to about Lexxus? Or do I need to get a lawyer letter involved? I already have to deal with living in a hurricane prone area with high rates and these higher rates are crippling. LOCATION: TEXAS.

Has anyone had experience with this? My dog (German Shepherd) has never had any serious health issues — just some pretty nasty allergies. I signed up for Pet’s Best last December (when my dog was 5 years old), and I swear ever since I signed up, it’s been issue after another with her. First, in May she got SUPER sick, just GI upset, but we were back and forth from the vet for a week or two straight. I paid my bill with my emergency savings, Pet’s Best reimbursed me my 90% after the deductible, no issue. Then comes June. My dog suddenly was unable to jump onto the couch, into the car, etc. I brought her to the vet, got x-rays, and my claim was approved yesterday. They’re reimbursing 90%. Now today, I noticed some swelling around my dog’s anus. I’m waiting to hear from the vet on whether or not I need to bring her in today. I’m here panicking that Pet’s Best is going to think there’s some sort of fraud going on, and they’ll cancel my policy. I swear it’s not fraud, I’m just having the worst luck of my life 😭

I unenrolled from snapshot because it was tracking a majority of instances where I wasn’t the driver. Do you think they will increase my insurance based on the data they have already? It’s only 14 days worth.

I feel like the obvious is “absolutely have one.” But friends and family make it feel like a total scam because they’ve had such negative experiences with every alarm company. What are your experiences with home security companies and do you feel like you got what you paid for in regards to home security? (For reference, growing up my parents always had ADT and had such a terrible experience that my dad ripped the monitor out of the wall and told the customer service rep some vulgar things about what he’d rather experience than do business with ADT again). For home security of course I’ll pay the extra price, just want to make sure it’s actually worth it and that they come through for you in the event of emergency.

I got pet insurance on each of my dogs when I got them. The second dog got a better, more budget-friendly policy thanks to the benefit of time and experience on my part. The first dog, however, is the medical problem one. The past few years we have barely hit our $500 deductible, but his plan was renewed today for 2025, and we will be hitting the deductible tomorrow due to a scheduled appointment. A few months back I got a rate increase notification from Fetch (0/10 do not recommend btw). That was fine, but what I didn't realize is that his $600/yr insurance jumped to **$1,000/year**, which was a SUPER fun surprise to my bank account this morning, especially when I budgeted six hundred into a very tight and aggressively paying down debt budget. My first reaction was eff this, cancel it. My second reaction was remembering this dog is set for roughly $700 in sedated arthritis x-rays and a biopsy of a potentially cancerous growth TOMORROW. We can't get any coverage in time if we switched today, can't really reschedule the appointment, it needs to be done soon, and his bad hips and allergies would already be considered pre-existing conditions. I don't have an emergency fund built up for the dogs, I wasn't making enough money last year, and ate down my savings. This dog is already going on prescription food, daily joint supplements, and needs to be taken swimming for his unofficial physical therapy (mutts aren't always healthier FYI). Talk me off the ledge here, this $1,000 is still worth it right? Do we eat the cost for this year and reevaluate next year depending on how this one goes? [Said spendy canine for tax](https://www.instagram.com/p/C-DrCPfv7K0/).

This question is more a curiosity than anything. I have a dead 25-30’ tree leaning towards my house and an arborist confirmed it is an imminent to my home and must be removed. When I contacted my homeowners insurance, they said they would only cover damage to my roof if the tree fell, but wouldn’t cover the removal of the tree. What’s the logic behind this? I’m sure some actuary determined it just cheaper to deal with the roof, but the face value cost of replacing likely my entire roof versus the cost of removing the tree it seems like a no-brainer. I’ve already accepted that I’ll need to pay for it, I’m just curious if any insider insurance folks can clue me into the reasoning here. Thanks! ETA: Okay, I get it now. Thanks to all the folks who gave helpful responses, it cleared up a lot and might have saved me from a big headache!

When I turned 18, my dad made my start a Roth IRA with Ameriprise because I had an unexpected source of income coming in that he wanted me to put away. Well, since then I have continued to put money into that account and I talk to my FA semi-regularly. Well, I am now 22M and going to be making some real money soon and after some research, I see a lot of people saying to avoid FA for a Roth, especially Ameriprise. I am glad my dad had me do this when I was 18 but now I am wondering if I should move my Roth to something else. For full disclosure, I have put in $19,000 total, and it has grown about $4,000 in that last 4 years or so. However, I do not really know where to begin. Should I move my Roth away from Ameriprise? How would I move my Roth? Where do I move my Roth? I have seen mentions of Vanguard, Fidelity, Schwab and others. How would I choose one? Don't services like these also charge some sort of fee? Thank you so much for the help.

My spouse has a pretty poor driving record, we filed two claims last year on our insurance (USSA) and we just filed one today all of which he is at fault for. Last insurance claim we had was on December and it was a total loss. He also has a speeding ticket that he had to go to court for along. Our insurance bill is already $620 per month for two cars. My driving record is spotless, no speeding tickets or any tickets as well. We live in VA. I have a 2019 ford fusion and my 6 month premium is 1584. He has a 2019 Nissan rogue and his 6 month premium is 2241. We’re also both in our early 20’s. Would be be possible for him to have his own car insurance and would it be cheaper for the both of us? Right now his car is under my insurance and he’s also an insured driver under me. I also just installed a dash cam to his car a month ago for his protection but it seems like it’s the other drivers on the road that needs protection from him. I’ve already pleaded and begged with him to drive safer and drive defensively.