In December of last year, I purchased a plan from the Georgia Marketplace. A dental plan. I have called 4 of the offices mentioned under their provider tab and nobody accepts this insurance (solstice -Essential Smile GA- Total Care). One of the dental offices even mentioned that that particular insurance does not cover anything. Would this count as bad faith, false advertising or a 23 year-old learning the hard way about America's health/insurance issues.

This is not a rant, just a breakdown of some shady payment manipulation Citi, and perhaps other banks, are pulling with their system. I caught them trying to sneak interest charges on me and got gaslit by their customer support when I called them out. I used Citi Flex Pay, which is a low interest installment plan that lets you break up large purchases. My last statement balance was \~$1800, with \~$1200 of that being on the Flex plan. This means that my actual non-flex purchases were only \~$550, so to avoid interest, I just needed to pay that amount plus my current Flex installment (which came out to $749.15 total). Here is where they tried to screw me over: Instead of giving me the actual amount needed to avoid interest, they suggested I pay $578.67, labeled as "Remaining Adjusted New Balance + Flex Plan Monthly Payment." Looks reasonable, right? Wrong. That number doesn't actually clear all of my non-Flex charges. It leaves about $200 unpaid, which rolls over and starts accruing interest, exactly what I was trying to avoid. After double checking my math, I called support to see if I was doing the math wrong. This is where they straight-up lied to me. The rep swore up and down that $578.67 would cover everything except future Flex payments (it doesn't). He told me I must have done my math wrong (I didn't). He said I must not have read my statement correctly (I did). When I told him (verbatim), "If I pulled shit like this with a client, I would be fired," he doubled down. Then he offered to take my payment over the phone, as if I would trust them at this point. I just said goodbye and hung up. This is no mistake: Citi is intentionally misleading customers to trick them into paying just slightly less than what's actually needed to avoid interest. If I had not checked the numbers, I would have unknowingly left a balance that would have started accruing interest. They know most people won't do the math and will just trust the suggested payment amount. **This is how banks squeeze money out of people who think they are paying their balance in full.** The takeaway from this: If you use Citi Flex Pay (or any structured payment plan), do your own math. Don't just trust their suggested payment. To avoid interest, you must pay: (Non-Flex Portion of your last statement) + (This month's Flex installment). If you are unsure, manually check your statement and confirm where every charge is coming from. If Citi (or any other bank) tells you a different number, ask them to put it in writing. (Spoiler alert: they won’t, because they know they’re misleading you). The only way to avoid getting screwed is to double-check their math and never assume they have your best interest in mind. I’m sharing this because most people assume their bank is doing the right calculations for them, but they’re not. If you have a Citi Costco Visa or any card with Flex Pay, always verify before paying.

About two months ago, I took in a stray cat. On his second vet visit, I brought him in because I suspected conjunctivitis-his eye looked irritated. The vet also mentioned the possibility of entropion but said I’d need an eye specialist to know for sure. I followed up with a veterinary ophthalmologist, and they diagnosed him with eyelid agenesis, not entropion. It required a $4,000 surgery, which I went through with to give him a better quality of life. Unfortunately, Pets Best denied my claim saying The eye issue was mentioned at an earlier appointment, so they’re calling it a pre-existing condition, even though the actual diagnosis changed significantly. Has anyone had any success appealing a claim like this? Is there a way to argue that it’s a completely different condition? Or does the fact that “something was wrong with his eye” early on automatically void any coverage?

I guess I should have looked into this sooner, since I got the email from Manypets back at the end of December, but I forgot about it until now when I FINALLY got an email from Odie regarding the new policy which takes effect March 1st. I have been paying $34.12 a month for each of the last 3 years on a Golden Retriever since she was 3 months old with Manypets. $500 deductible and 90% reimbursement and unlimited annual. They say your rates will be the same with Odie as they would have been with Manypets, but the new premium is $50.15 for $500/90% AND I noticed that the annual max is no $20,000 instead of unlimited. I understand rates normally go up each year but this is nearly 50%. I have seen other posts about this so just wondering if you guys are sticking with Odie or finding another company. I still have not received the email regarding the whole policy so there may be more things I find missing. And if you did switch, do you know if the new companies normally waive the waiting period as long as you have had continuous coverage with another company?

I wasted hours giving them information, more personal than any other company asked for, all the while them promising me several times that they are writing policies for my area. When it finally came to the moment of truth they admitted they could give me a quote from Bamboo and the Fair Plan!!! I could've gotten those quotes myself in ten minutes, but instead spent probably 2.5 hours registering family members and giving them SS numbers, confirming phone numbers, etc. I swear they are in the business of compiling personal information rather than providing insurance.

I currently have an auto policy with only my teenage daughter (17F) after removing my STBX from the policy, but I feel like the premium for my car is higher than it should be and I'm wondering if there are any ways to reduce the premium. I am a 40M with a very clean driving record, my daughter had a claim last October where she hit a fire hydrant and the repair was \~$10k or so (no meaningful property damage to the hydrant). I drive a 2021 Tesla Model 3 and she drives a 2017 Audi A4 that her grandmother gave her. Total monthly premium with GEICO is $548 for my car and $366 for her car. I believe the average Model 3 insurance rate in Colorado should be closer to $300/month and I'm just trying to think of ways to lower my premium. Is it possible to separate policies and save money if I make it so that she can't drive my car and doesn't need to be insured for that? Any advice or ideas are greatly appreciated!

Hey yall I was involved in a rear ending accident last week in Texas and when I called progressive (the information I was given by the person who hit me) they informed me that his policy has not been active for some time. I have now contacted my insurance and informed them of all of this and they are looking into it. Just curious if anybody has ever seen this or seen a fake insurance card? I tried googled and can’t find anything of this sort! It looks very legit. I imagine he will also be in trouble with the police in some way for giving false insurance to them. He already had 2 citations for having expired plates and hitting me. The cop informed me his insurance was good when he gave me the write up but I assume he didnt check as they said it’s not active. It was written up for 3 months from 7/2025-10/2025 which progressive says they do not even have policies for that short of a time. Seeking any advice for anybody who has been through this! I’m assuming I will end up having to file with my uninsured motorist.

My dog has IVDD and hit the $10k annual limit this year. I’ve been paying $178.49/month for 90% reimbursement and a $500 deductible. Now my provider wants to increase it to $248.59/month for the same coverage, which is a 39% increase ($840 more per year). Has anyone found a provider that covers chronic conditions like IVDD without this kind of rate hike? I’m open to switching if the new insurer doesn’t exclude spinal issues and will accept pre-existing.

I've had pet insurance with Lemonade going on five years for my cat. I just had to submit a claim for her, but I'm super worried I'm going to get a rejection because the nurse took inaccurate notes. When we were discussing my cat's history, I said that her chronic gastrointestinal issues started after her first attack of pancreatitis 'shortly after she was adopted.' The nurse instead noted that her chronic gastrointestinal issues started 'right after adoption.' I'm super worried that this will lead to my claim being rejected and my former claims being marked as fraud. Her issues didn't start until about 3-4 months after I got her vet insurance, and that was after the illness waiting period had passed. They covered her pancreatitis when it occurred in March 2021, and I adopted her in November 2020. Does anyone have any advice on how to prepare for the rejection which I assume is coming? Is the only thing I can do is ask the company to review her old vet records and see how they don't line up with what the nurse typed before that moment? Any advice is welcome!

Last month, I was laid off. I opted into COBRA with a start date of 04/01. The paperwork was sent to me last Wednesday, I elected into it Thursday, and paid my premium on Friday. Today, I logged into Cigna and it's showing I'm inactive with no insurance. After a few hours of customer service between the COBRA intermediary (WageWorks), they assured me I'm active and it takes a couple of weeks for Cigna to process. They sent things over yesterday and said my insurance would be dated 04/01. On the chat, Cigna wasn't able to help very much (which I understand). Is there anything else I should work on during this transitional time? Or, have others had success with waiting and letting the process work itself out? Thank you all so much!