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

nybody here have mediCal? (Govt free medical insruance in the usa for ppl under age 65 and unemployed or flat out broke). My uncle generously cash paid for my mcas doctor. I have a script for cromolyn sulfate, can I use the script at the pharmacy and will medi-cal pay for the meds? Usually people with California state Medi-cal for those under 65 are unemployed or too sick to work but not yet documented and broke like me, so qualify for medi-cal, but those doctors are the worst and most incompetent. My uncle paid a mcas doctor to see me, abd I got a script for cromolyn sulfate. Usually medi-cal will pay for my meds even if i saw a cash pay doctor. Or is it a situation whereby I need to prove that I used lower level meds and they didbt work before I get approved from cromolyn sulfate? Remember I tried to get triamcinolone cream under private insruance (blue cross blue shield), but they said i had to trial lower level creams and then fail those 2x first. Making me waste life energy and jump thru hoops so insurance company can save 20$.

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

I (23, F) had my first pap smear this year and during the exam, the doctor ordered I have labs done as well. He collected my sample, but now I have a bill in the mail because the lab did testing. I am just so confused because I thought this would be covered since it’s part of my preventive annual exam. I am not sure what to do, should I call insurance or the lab who did the testing? Do I call the doctors office? Do I call insurance and ask to appeal? This is my first time navigating this and I’m not quite sure what to do.

Location: Washington state, US I have a structured settlement with Navient from 2020 that keeps my payments at a specific rate for the duration of the loan. With the transfer to MOHELA processing payments, they have not been charging me the correct amount. I have notified the contact that I’m required to coordinate with several times. She has responded each time but it has not been fixed. I have only been submitting the agreed upon amount which means I am under paying and also cannot set up auto pay. I’m concerned this could impact my credit, but also if I miss a payment the settlement goes away so I really want to be able to autopay. What can I do here? Are there any legal repercussions from their side of the agreement if they keep over charging me? Or is this just my burden to deal with?

I got into a car accident almost a year ago. The person I got into the accident with was insured by State Farm, the accident was in late May, she opened the policy at the beginning of May. At the time of the accident when I called State Farm to attempt to file a claim with their party’s insurance, I was told they couldn’t find the policy in the system. Upon following up numerous times State Farm ultimately denied coverage and I had to open a claim with my insurance. I was not at fault if that matters… My vehicle was totaled out, I paid my deductible and bought a new car with the check issued by my insurance. My insurance was unable to recover my deductible from the driver or State Farm and ultimately sent the file to collections. After the file was sent to collections they were able to recover the deductible, however are unable to tell me who made the payment. Fast forward a year later I get a call from State Farm regarding the accident. Apparently the driver was covered at the time, and they’re offering a settlement. I called my insurance to inquire if they knew the driver was covered and they sent over a copy of State Farm’s written statement denying coverage… accept the person listen under “Our Insured:” doesn’t match the name of the driver which is the same name on the policy information. My question is, I already signed the release for the settlement but this something worth following up on? I spoke to State Farm to ensure the party was actually covered and they confirmed she was. Or should I just wait for payment and let it be?

I have been driving for nearly 25 years. I have nearly a completely clean record but didn't drive for a while up until a couple years ago. I am looking for any suggestions for sources to get the beat rates possible. Are there Any websites anyone knows of that are noteworthy? And trustworthy? I love my agent but I can't keep paying progressive $2000 a year (discounted 200-300 every 6 months for paying in full) for basic state minimum coverage (no collision etc)

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?

Hi, I just wanted to share my experience with Lemonade after having gone through cancer with my recently passed kitty, Tortilla, who was 6 years old both when we bought her plan and at the time of her passing. She had large cell GI lymphoma that suddenly appeared in early May. I got her plan (premium preventative care package, 100k spending limit, 90% reimbursement with $250 deductible, end of life coverage, dental disease coverage, vet visit fees). We had over 7K in vet bills, but lemonade actually covered around at least 6K I believe. I actually only got her a plan because one I somehow had a horrible feeling something terrible would happen to her (I hate and am grateful that I planned for that but I wish I had for no reason) and two because we had adopted a dog (her name is Lexie) who we bought insurance for too late and she had a million pre-existing conditions that basically rendered nothing covered for her. We wound up going the palliative care route, and unfortunately we didnt get much time I believe not even a month passed before she left us after her diagnosis. But, the bright side of this horrible experience was we were not saddled with thousands in debt since my family and I are not doing so well financially this year. They covered 6K of the treatment and diagnosis bills, and completely covered end of life fees and memorial items. I am so grateful I decided to buy her plan. Now, the negatives. Tortilla worked out great since she didn’t have a history of illness till the cancer and only had preventative vet visits in that history with no illnesses popping up. I will say, though, the approval waiting period was insanely long. Took like more than 2 weeks for reimbursement, but they did approve us for a crazy amount (at least to me). So if that’s important to anyone, keep in mind the bigger value claims take a longer time to get approved. With my dog Lexie, however, this did not work out as well… As a first time dog owner, I did not realize how many health issues a dog could have. My cat Tortilla came first, I’d had her for nearly 4 years (adopted her in Sept. 2020) at the time of getting my dog (April 2024). Tortilla was always healthy and vibrant, and while I wish I would have been more proactive with vet visits, I can’t change anything now. So, my mom and I decided to hold off on getting pet insurance for the first few months. Horrible mistake. My dog happened to have basically a weak weak stomach and everlasting GI issues causing behavioral issues (from pain) that are still unresolved to this day. She’s been in and out of 6 vets with over 13 visits since last year. I was only 19 during this and had no idea what to do and neither the idea to get pet insurance since I was so overwhelmed, and most of it fell on me since my family wanted to keep Lexie and I also didn’t have the heart to give her back to her rescue. So, I fought hard to get her diagnosed and treated, which I’m still fighting to today. But, now my mom and I have spent probably over 5K on her vet bills too (on top of Tortilla’s). I might as well have lit the money on fire that’s how helpful everything has been. So finally we got her insurance in early September, only after having her behavioral issues diagnosed. This was a horrible mistake on my end because now nothing was covered. So, long story short Lexie saw a million different vets (including a vet behaviorist) and absolutely everything I filed for was pre-existing and none of that 5K is covered. I don’t think this is all Lemonade’s fault or anything of the sort, it’s just an unfortunate situation because I was misguided and overwhelmed back then by both Lexie being a young puppy with behavioral issues and GI issues. Overall, I honestly would recommend Lemonade for anyone signing up a new, young pet or even an older pet with no pre-existing conditions. I’m not sure if I would recommend it over others, like PetsBest or Trupanion (although I have been seeing some pretty insane price spikes for others from Trupanion). I’m still weary but since they were so helpful with Tortilla (even if it took a bit) I decided to stick with them and signed up my two new kittens we adopted before she passed and made sure to sign them up early (3 weeks after adoption). I also would say a positive was how easy it was to file claims and speak with your claim rep. I don’t really like talking over the phone, so it was nice just talking via email, text, and the support center. It was also a very smooth process to file the claims, since everything is just in the app and you can customize the types of procedures and costs you’re inputting (there’s options to put general diseases already in their database while filing a claim but you can add custom text which I found helpful). So yeah. I honestly don’t know if the grass is greener for other companies, but I feel like most insurance companies are not exactly looking out for the pet or even human as their priority, and I feel Lemonade isn’t too too much like that. Hope this was helpful for anyone that read through all of it, thank you!! TLDR: Lemonade was very helpful for my cat with no illness history that contracted sudden cancer (reimbursed over 5K-6K). Not so helpful for my dog as she had pre-existing conditions so nothing was covered, but if anything new pops up it should be OK (she’s still a young dog). App is very navigable and easy to use, claim support staff is helpful and friendly, larger bill claims can take awhile to process though (took 2-3 weeks for Tortilla’s bills). Can’t really do phone calls, but I did prefer the email and text system (personally).