Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

Almost two weeks ago, I (26M, Location: North Carolina) was the passenger in a car accident. My boyfriend's car got t-boned on my side, and he is definitely at fault. I got a pretty nasty bump on my head, which the PA at the urgent care later diagnosed as either a bad headache or a mild concussion. At first, I just had a dull headache that came and went, I'll now say I'm having migraines that are coming and going, and at their worst I want to lay down and do nothing. My parents want me to pursue legal action against the insurance. They think I should get head scans, and his insurance should cover it. I'm thinking maybe there's sort of aftercare or physical therapy that'd be possible. But I'm hesitant about suing my boyfriend's insurance. I imagine there would be negative consequences for him through them, which I wanted to avoid. I wish the headaches were getting better, but they're not--if anything they're getting worse. He's also not happy with the way the insurance conducted the afternath of the accident. Evidently they listed his car on the auctioneer's site before telling him the damage (he's since taken the car back and the listing was taken down). He planned on suing the insurance company, but he consulted a lawyer who told him he doesn't have a case. When I told him about my legal options, he said his insurance is shady and he'd pay for expenses without going through them. That, at this point, seems like it could be way too costly when it's all said and done. Meanwhile, the insurance company has contacted me and they're asking questions about lost wages and whatnot. I've told them I'm having headaches. So what are my options? How bad would this be for my boyfriend? What would you recommend in this spot?

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

I was a USAA member for 18 years, 15 of which with a good driving record. For a 11 of those years I served in the US Army, with 10 combat deployments to Iraq and Afghanistan. I was awarded the Bronze Star, among other honors. I was discharged honorably. After the military about three years ago I was going through traumatic personal issues and often drove distracted. During a 12 month period I was in a series of low impact auto accidents. Two of them were just backing into somebody’s fender in a parking lot. However 6 months after the last accident the computer at USAA determined I was too high risk and without providing any kind of appeal process sent me an automated letter informing me they would no longer cover me. I called and I was informed that there was no appeal process for the computers decision. The computer didn’t request my military record, nor consider my driving record for 15 years prior to that, and the humans at USAA would only listen to a computer that doesn’t understand nor care about context or give credit for military service. I was informed that there was no human being capable of overriding the computer’s decision at any level of the company. I’ve tried every major insurance company, and all of the minor ones that I can find, and they all use the same computer algorithm. I was never impaired. I didn’t hurt anybody. I’m not required to be on an SR 22. I have a valid drivers license. .. and I cannot get auto insurance. Recently, I did find two places that would insure me, .. for $2000 a month.. I have been unable to work for close to a year. Soon, I will lose my house. Does anybody know of any insurance company where human beings are still allowed to make their own determination? Is there any way to get commercial auto insurance through an LLC that doesn’t require my driving record? Is there any way to challenge my driving record, or have it improved? Or anything that I can do to convince the computer, or any person I could talk to at the state level or in the private sector that might be able to help me? I’ve tried everything I can think of. I don’t know where else to go. Thank you in advance 🙏🏻

I ran the same quote three times and I keep getting different numbers. One quote said $300, the other said $330 and then I get an email saying it’s $196. What’s going on here?

My husband had a emergency surgery for his appendix on February. We just received his EOB and it says denied because the provider didn't pre authorized the service and that we shouldn't be billed for it. The bill is $37,000. Our insurance is through Aetna. What does this mean? Do we really not owe anything? Or will the hospital still bill us? TIA Unable to call insurance since they are already closed. Edit: The hospital is in network.

I am 20 years old and on my parents insurance. I got prescribed a medication under the impression that they would not be notified but my dad got a call about the prior authorization being approved and also a letter in the mail. Does anyone know how to change this/prevent this happening again in the future?

so I’m on Medicaid since I’m not working due to my finger injury. I got my surgery done a few months ago and they send me a bill today. I literally thought everything is going to be covered by the insurance. Maybe I should’ve asked questions ahead of time, but I wasn’t aware of this since I know few people who got surgeries and it was covered. I’m not working right now as well since my finger is still not healed. I don’t know what I’m supposed to do right now. do I contact Medicaid or the surgery place? Not sure. by the way, my insurance is Blue cross complete of Michigan. My insurance did pay for over half of the bill but just confused why it wasn’t covered completely.

I did my due diligence and found a provider listed on the BCBS website listed as in-network. I verified with insurance and the whole nine yards. However, when BCBS adjudicated the claim, it was processed as OON to my surprise. When I questioned why, I was told the provider used a different NPI that is OON. In all seriousness, how is a patient supposed to know what NPI a provider bills under? Do I have grounds to appeal the OON determination or should I ditch this provider and find someone else?

Progressive, Northern California, 5 driver/5 car policy. I’m mostly remote now at work and sold my car for a local commuter. With the new car, my annual mileage estimate went down by 5k miles per year. The car is dirt cheap, so I opted for liability only coverage. I thought I was going to save $1000 per year, but my rates stayed almost the exact same. What’s going on here? Would talking to an agent on the phone change anything?