Hello can anyone share if their pet insurance covered electrochemotherapy for their pet? I have healthy paws and inquired and they said it “may be covered” subject to policy rules. However electrochemotherapy is not FDA-approved in the United States and healthy paws policy states they don’t cover non FDA-approved treatments. Just looking for some insight. Thanks.

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

Hey, Reddit - hoping someone can help me with a direction to take regarding my issue. Location: Houston, Texas Back in early 2023, I found out via an alert from my bank that my credit score worsened because a lender has been trying to reach me. I panicked because 1. I have thankfully never needed any loans and 2. I normally have a great credit score. I did some investigating and found out that apparently, an education loan had been opened in my name only about six months prior in a completely different state (Albuquerque, New Mexico). I live in Houston, Texas and the loan was opened for a community college in Albuquerque. For backstory, I graduated from college over 10 years ago and I’m thankful to say that I never needed any loans to get through any of my schooling. I did everything I could to fight this loan over the last two years since discovering it. I reached out to the lender (Mohela) and explained my situation in detail, filled out a large packet that they requested to dispute the loan and prove my identity with several various supplemental documents in my possession to help support my case. This was mailed to them ASAP and is STILL under review 2 years later. I filed a police report with my local police station and they even spoke to the Albuquerque police department to warn them of the identity theft and to give them the local Albuquerque home address that was wrongly associated with my name. I corrected all incorrect contact information associated with the loan and with all three credit reporting bureaus, and immediately froze my credit across all three. I flagged any mention of the loan across all three credit bureaus as fraud and to dispute it. I have provided all three credit bureaus with supporting documentation to prove my identity along with the police report. I even called the community college in Albuquerque and spoke to several people there, asked them to close the promissory note for the loan since it was due to identity theft. I sent them my police report as well. I filed a report on [identitytheft.gov](http://identitytheft.gov/). I have called the lender every few months, have to explain my situation all over again to whatever agent I get connected with, why I won’t be making payments on this loan, and continue to ask for a forbearance on my account while my case continues to be reviewed and hopefully dismissed in the near future. Despite all of this, even two years later, the loan still appears on my credit reports because it is still being reviewed and has not yet been dismissed. I am at my wits end and am now thinking I need to hire a lawyer to help me fight this, but I have no idea what type of lawyer and how to even find someone who can help me. I also have no idea how much it would cost. If anyone can offer any advice on the best direction I can take, I would greatly appreciate it.

my car was stolen 2 weeks ago and the insurance company is considering it a total loss. this is fine, but they are offering me 13500 for my 2019 subaru 2.i0 premium sedan with roughly 91000 miles. it had 3 month old tires and a new battery. the issue im running in to is there are 0 of this car available within 150 miles of me with similar milleage. but when i look nationally it is showing they are shorting me about 2000, which would pay off my loan. im afraid getting an adjuster involved will cost me too much and not be worth it. any advice for fighting their appraisal? they couldnt do a fully accurate appraisal because they dont have the car. i asked to see their comparables, because if theres nothing local what are they comparing it to?

I have a 401k with my previous employer at Principal. Principal also added $15 into a Roth IRA (unbeknownst to me). This is causing problems. I would like to roll over the 401k into my Traditional IRA at a different financial institution. Principal is charging $50 as a distribution fee. That's fine. However, they are charging an additional $50 distribution fee to rollover the $15 Roth IRA. When I go through the forms to do the rollover, Principal errors out telling me I can't rollover because "You requested a distribution amount that's greater than the maximum amount available." I am feeling very trapped by Principal and these feels extremely shady. Any advice to get through this?

I purchased private health insurance through an agent with Freedom Life Insurance. I'm starting my own business so have to handle my own insurance. I got a Freedom plan that is supposed to give me 4 free doctors visits before deductibles/copays kick in, and somehow I'm paying more than my insurance every time. They only pay $100 per visit. I am livid that I'm spending almost $400/month for a policy that doesn't seem to pay anything!! What is the deal with this?? They only pay $100, the rest is on me. This is directly different than what I was told it would be, and there's no way for me to know what I'm going to be paying unless I get a full bill breakdown from each doctor beforehand which I have never in my life had to do. The plan is a United plan, yet my agent said these major doctors don't have a good contracted rate with United. HOW? United is universally accepted. Should I have my agent find me a different plan? Go back to Marketplace where they switch your plan every year? Where the heck does a person go to get health insurance that isn't rocket science, actually covers what it says it will cover, and doesn't change all the time? Does the plan I'm on even sound normal?

like many others, I was just hit with a huge increase - more than double - for Healthy Paws. we do have pretty significant monthly spend (thank youuu environmental allergies), so I wasn't likely to cancel completely, but I decided to run all the options for 90%, 80%, and 70% coverage through chat gpt, including my set monthly vet expenses. it gave me a detailed explanation for why insurance is still a good idea for me, and which option specifically would save me the most money. for my scenario, it ended up being 80% at $1000 deductible. just a suggestion in case youre not sure what your next step should be.

Hi everyone! I appreciate any and all answers here. So I just filed my taxes for 2024 and my HR Block representative said that she urges me to switch from Covered California as soon as possible. In 2024 I had medical issues that caused me to lose my job so I switched from employer provided insurance to Covered California starting last May 2024 with the cost being $94/month. Then in August 2024 I got a new job and received a significant pay bump ($21/hr to $31/hr) and I did not know that I was supposed to report my new income to Covered California. In December 2024 after my surgery (to deal with the aforementioned medical issue) I contacted Covered California about renewing for 2025 and during that conversation I found out that I was supposed to report my income change. That led to my rate increasing to $294/month and the worker told me that I will also be facing a tax penalty and backpay for not letting them know about my new monthly income. When I prepared my taxes a few days ago she revealed that the backpay was a total of $1,100 and she said that she's seen this with a lot of her clients and even herself. She stated that with my line of work I will most likely earn more than I anticipate this year and will most likely pay even more taxes to the IRS with Covered California. She urged me to get on a new health insurance plan asap. **My current options are to contact the company that I work with (it's a third party company that I get pay from as a contractor even though I work full time hours). OR I can contact individual insurance companies and try to just get a rate directly with them.** **My questions are** **1) Am I even able to switch my insurance this late into the year? I don't have a major qualifying event aside from just wanting to leave Covered California.** **2) Are the options that I mentioned above correct or are there other solutions that I am not aware of?**

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Hey Everyone, I had a strange occurrence about signing up for term life insurance. Zander scheduled a person to come out to my home to draw blood from me, despite me telling them that I would like to come out to one of their affiliated locations. When I declined the offer a second time, I left a message for Zander, who did not call me back. Next, I reach out to Zander again and the agent tells me that they would like to make it more convenient for me, as they do not have locations nearby. Turns out, they have a location 10 minutes away, as ExamOne is affiliated with Quest Diagnostics. When I call them, they are strangely indifferent on the phone and are telling me that they will do a full 45 minute physical. When I asked if the results will be shared with my primary physician, they do not give me a straight up answer. When reading up on it, it seems like they do not even publish the results for the patient online. What are your thoughts?