My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island. From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway. What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it. We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke. Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?

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!

Hi all, I’m in a common and frustrating position revolving around paying for health insurance. Here is my situation. I work part-time and go to school part-time, so I don’t qualify for full-time benefits for work or any equivalent part-time healthcare offers in Michigan So that’s the first part. I gross about $600 a month working and my healthcare premium is $650 a month alone for BCBSM HMO Gold plan. It just is not feasible to pay that much for healthcare anymore- especially, out of pocket in full. What I do have is Medicaid and CarePayment accounts that help me cover the costs and pay down medical debt in a reasonable time frame. I need some coverage because I have a mental health condition and commonly use: medications, psychiatry, therapy, and labs. I am wondering if I can get by just with MI Medicaid. Is that risky since Medicaid has very low reimbursement rates? Or is it reasonable to go with Medicaid and just try to be frugal medically? What I want to avoid is going for routine procedures and leaving with a $1200 bill, AND paying $650 a month only to use it half hazardously. Thanks.

Today my 3 year old hit the gas pedal on the golf cart and ran it into my other kids electric scooters/ the wall in my garage. I hopped off to grab stuff out of the back “trunk” type thing and next thing I know it’s gone forward and hit the house. Thankfully she was okay. She was scared, I was scared. We had a good cry. I have insurance on my golf cart. I called them up and they said after the deductible, the repairs to the golf cart would be covered but the damage to my other property (my home, my car, the electric bikes/scooters, my built in shelves and other random smaller items) will not be covered because I own those items. They said had it hit someone else’s scooters/house/car that would cover it. When I got the golf cart, I called my insurance agent so I could add it to my homeowners policy and she said it was cheaper to have a separate policy for just the golf cart and to go through progressive. So this is what I did. I called my insurance company after hearing this news from progressive, and they said they could cover it under our homeowners policy- but that we would have to pay that deductible too. It wouldn’t be worth it to pay both deductibles. I am just surprised that progressive isn’t covering any of the personal property damage. Is this a normal thing?

FYI Thin Blue Line Benefits now has a company called Live Freely Health contacting members about claims. I got an email and then called them. TBL did not send out a message stating this would happen. The rep at Live Freely said they are just letting people know the claims will be processed. I personally call it "buying time" and would not give them any personal information.

Location: Maryland (currently living in Georgia now) So I got into a car wreck back in December. My car received 7 grand in damages but managed to make it out. I ended up going to the hospital because of the wreck and the at fault driver hit another vehicle as well totaling both of their cars. Now some months later my insurance company, who is handle my legal matters (it’s USAA if it matters), has informed me that the at fault party has been sent to collections. And I was told if they don’t respond their license will be indefinitely suspended. But nothing else really? I have lost a lot from this accident keeping me out of work and a vehicle for quite a while. And the value of my perfect condition vehicle has made it work about a couple of grand when its initial selling value was over 12 grand. I am a safe driver and I feel like I’m being punished for an irresponsible driver and my insurance isn’t really doing much to remedy the situation cause at this point it really has been money out of my pocket. Also the at fault driver was uninsured as well. I don’t know what to do and it’s been making me really kind of sad about it.

I had a liver transplant in 2023 at Mayo in Arizona. I live in Oklahoma. I have BCBS of Arkansas through Walmart, where my wife works. Regular lab draws are required and I have a DLO (Quest) and few minutes away from my home. I checked DLO's website which stated they accepted my plan. I got my labs drawn many times over the course of 6-7 months before receiving bills from the lab for the full amount, insurance was paying nothing. After contacting insurance, they said the particular location was not in network. No idea why one would be out of network but other locations of the same company are. However, after conferring with both BCBS and DLO, I was told that BCBS of Arizona is being billed because that's where the ordering provider is from. No one seems to be very helpful on either end as far as getting anything resolved, and there's nearly 20K worth of labs being denied. Does this seem accurate from both the insurance perspective of billing another state's plan as well as why they would deny one location but not another of the same company? Any suggestions on what I should do or how to handle? Thanks!

We bought our home just outside the Twin Cities area in mid last year, and at the time our Travelers homeowners insurance premium was around **$1,680/year**. This year, our renewal came in at **over $3,300**. After some back and forth, I changed the deductible to match last year’s, but the total was still around **$2,800**. I contacted a few other insurance companies, and their quotes were all in the same \~$3k range. I was told that **all homeowners insurance carriers in MN increased rates significantly this past year**. Has anyone else experienced this? * Do you know *why* rates jumped so much in Minnesota? * Are there any strategies to cut this cost beyond just raising the deductible? Any insight would be appreciated. As a note, there were several homes in our area that had their roofs replaced about 2-3 years ago, because of hail damage or something like that, I would have imagined that it would have caused the price hike last year, not this.

My home insurance policy was up for renewal last October, and I ended up switching from Intact to RBC because the premium was lower. About a month later, I got a message saying that they wanted to do an inspection of my home. The inspector came and took some photos and told me that everything looked good and there shouldn’t be any major issues. Today, I received a registered letter telling me that my policy will be cancelled in 30 days due to “underwriting reasons”. I was unable to speak to anyone at RBC before they closed for the day, and will call first thing in the morning. I have no idea why they would cancel my policy. I’ve been continuously insured for over 10 years, have never missed a payment and didn’t withhold any information when I got my quote. I have had 2 claims in the past, but the last one was in 2016 so I didn’t declare it during the application because they asked if I had made any claims in the last 6 years. Has anyone had this happen before? I’m freaking out a bit because I understand that if you have an insurance policy cancelled on you it becomes harder to get insurance in the future. Any help or advice would be greatly appreciated, thanks!

My 2024 Hybrid XLE Rav4 got pushed into a ditch while on the freeway with less than 7K miles on it. Opposing driver did admit fault and the car's recently been repaired. Subrogation is completed and I received a refund for my deductible. I have the total cost of repairs receipt equaling out to around 15 K and currently have one of my friends who works in finance at a dealership pulling up some numbers to compare my car pre-accident value and now. I have the police report and some pictures of damages. I already hit up progressive and they essentially just said to send whatever it is I have over but I feel like there should be more to it. If anyone knows anything about this and is willing to help, I'd appreciate it. 1. Do I absolutely have to get an appraisal and spend money on a report?