Hi. I was recently informed that my Covered California Blue Shield insurance was canceled because I was automatically enrolled in medi-cal despite not applying. I’m currently employed so not sure why this happened. I paid out of pocket for my previous insurance because it covered a very important medical procedure that I need. I am really desperate to reactivate my old insurance because it’s very rare to get health coverage for this specific treatment. The clinic said it’s very surprising that Blue Shield covered it. I have been told to go to the county office and request medi-cal be canceled. Should I have an easy time reactivating my old insurance afterwards? Thank you.

I was previously with ManyPets and paid about $64/month for my pet’s insurance. Now that ManyPets has discontinued its US operations, my policy is being transitioned to Odie. However, under this transition I’m forced to pay $71/month for a plan that only offers a $20k annual limit at 90% reimbursement. What makes it worse is that new Odie Direct customers can get a policy for $37/month with a $40k annual limit—but of course, switching to that means starting a new policy (with waiting periods and loss of coverage for pre-existing conditions). I had no say in this change, and I’m feeling like I’m being unfairly charged more for lower benefits. Has anyone else experienced something similar? • Is there any legal angle or consumer protection law that might help contest these changes? • Should I try negotiating further with Odie or consider switching to Odie Direct despite the downsides? • What have your experiences been in situations like this? Any insights, advice, or similar stories would be greatly appreciated!

I wanted to share our ongoing battle with CNA Surety. Contractor licensing bonds are supposed to protect homeowners by ensuring that contractors meet their obligations and pay out when they don’t. But here’s the problem: CNA Surety claims they have no duty to investigate or pay out unless there’s a court order—meaning you’d have to sue and win in court first before any funds are released. This issue is now under review by the California Department of Insurance, which is conducting a broader market review. Redacted snippetof their stance: [CNA's Stance](https://imgur.com/a/xVNebbg) Has anyone here ever actually received a payout on a contractor licensing bond claim? What do you think is really going on with this practice?

I went to a urology visit at UIC in Chicago. The whole visit was around 10 minutes, no longer, since I was called in: blood pressure and oxigen check, a few questions about my health history and then came in the doctore that in two minutes, without even using special pieces of equipment, gave me the diagnosis. Only few weeks ago I recevied the bill and surprisingly I was billed twice: one bill for the doctor service and one for the use of the infastructure tislef. Basically the doctor just "rent" the room and equipment and provides the service. For the first bill, the total was covered by insurance excpet a small co-payment ($40), but the second one is covered only partly . It was $460 and after reductions, I have to pay out pocket, 250$. The code associated with this item is 99204: "New patient office or other outpatient visit, 45-59 minutes, Level 4" (https://www.ama-assn.org/practice-management/cpt/cpt-code-99204-new-patient-office-visit-45-59-minutes#:\~:text=Additional%20CPT%20resources-,CPT%C2%AE%20code%2099204%3A%20New%20patient%20office%20or,outpatient%20visit%2C%2045%2D59%20minutes) If you read thorugh the link above, this code should be applied when: "Office or other outpatient visit for the evaluation and management of a new patient, which requires a medically appropriate history and/or examination and moderate level of medical decision making. When using time for code selection, 45-59 minutes of total time is spent on the date of the encounter." Basically, none of these createria were met. Even if I descalate to Level 3, it still require 30-44 minutes and a thoroughly examination of past and current conditions. Now, what actions would you suggest me to do? Trying to reason with the hospital itslef or can BCBS help me with this matter? Fortunately, I can afford to pay this bill. But it is just frustating that it's literally a mafia, a scheme out there, and nobody does nothing. I can't imagine the people living paycheck by payecheck and being frauded by private health.

Hi all, I'm leaving my current job and I have another position that pays higher than where I'm at right now, but no employee health plan. I'm in CA. Right now I'm looking at marketplace plans for my spouse (33M) and I (31F). We don't use much when it comes to health care. A few random visits here and there, I take a few daily mental health meds but that's it. However, we do want to start a family in the next year so I'm trying to keep that in mind. I've always been on an employer PPO, so that's what I'm used to. My top options currently are Blue Shield of CA PPO, or Kaiser Gold HMO. From what I've seen blue shield is one of the few companies that will offer PPO on the marketplace. I've looked at some of the cheaper plans through multiple companies but since most of them have coinsurance, I worry I could rack up quite a bit if I were to get pregnant/deliver. We earn too much to qualify for financial help/ACA plans as well. Here's my question - how much does Kaiser's HMO plans differ from their PPO? Is it really a big difference since it's all in one system? I know there are issues with Kaiser and it seems people either love it or hate it. But it seems like their HMO plan is cheaper with better coverage (particularly for maternity) than a similar PPO through blue shield. Anything I'm missing here? Any advise or prior experiences would be helpful.

Hi all, Just got my car back from a shop. Took over a month after multiple supplements and back and forth between geico and the shop. Geico ended up being $1000 short still from what the shop wanted and I ended up paying out of pocket to get my car back. Geico said they would not reimburse me (when I brought it up), however after some research and speaking with some on reddit and the shop, they state geico will reimburse me bc of my policy with them. Can anyone provide any insight or guidance in how to proceed if this is true? Thank you

I made my first claim through Figo and wanted to describe the process for those that might find it helpful. **Overall Thoughts** Overall, I was pleased with my Figo experience and intend to renew my policy. Figo covered approximately what I expected it to cover based on my understanding of the policy document. I submitted three claims in total, one for each of the invoices I received from my vet. My claims were processed and paid in less than 1 week. The process of submitting my claims was straightforward and involved uploading invoices to the PetCloud mobile app. I was slightly surprised by the fact that out of pocket expenses reduced my deductible only up to my policy's reimbursement rate. For example, the first $100 in covered costs reduced my deductible by $90. This is different from my experience with human health insurance where 100% of out of pocket expenses count towards to the deductible, regardless of what your coinsurance rate is. **Policy** I pay a $477 annual premium with the Costco discount. My deductible is $1,500 with a 90% reimbursement rate and unlimited annual coverage. My dog is 3 years old and unspayed. The policy includes rehabilitation but not Vet Exam Fees, Extra Care Pack and Wellness - Plus. My policy has been active for just under 2 years. **Illness** My dog had bloody diarrhea, loss of appetite and lethargy on and off over the course of 2 weeks. Total treatment costs, including vet prescribed food totaled $2,540.35 of which Figo covered $317.82. The cause of her illness was never identified. **First vet visit** At my dog's initial vet visit, our vet did an exam ($130), prescribed my dog Metronidazole ($26) and tested my dog's stool for parasites ($86). Our vet also prescribed Trazodone ($20) to help with my dog's anxiety at subsequent vet visits. The Figo policy covered the Metronidazole and the Trazodone, but not the vet exam or the parasite test. I was slightly surprised that parasite test was not covered. The denial reason was "Costs or fees for treatments or preventative treatments for parasites or conditions related to parasites unless there is no preventive medication for the parasite..." Total charges: $262.10 Covered by policy: $46.10 Remaining deductible: $1,500 - (.9 \* 46.1) = $1,458.51 **Second vet visit** At my dog's second vet visit, our vet did another exam ($130), ordered blood work ($570) and recommended that my dog be hospitalized overnight for IV fluids and observation ($1,388). The vet also prescribed a 5 day course of Metronidazole ($20) and Pepcid ($20). Again, Figo did not cover the vet exam, but did cover everything else, save a $24 "medical waste" charge that was part of the hospital stay. Total charges: $2,128 Covered by policy: $1,973.70 Remaining deductible: $0 Paid by Figo: Covered costs - Remaining deductible = (.9 \* $1,973.70) - $1,458.51 = $317.82 **Prescription Food** The vet prescribed specialized GI food for my dog to eat after her release from the hospital ($150). I did not expect for Figo to cover this expense, as the policy document states that food is not covered. I submitted the claim anyway, on the off chance that it might be considered treatment for her illness. Figo denied the claim with the reason reason: "The policy does not provide coverage for food unless included in the Office Visit and Exam Fees Rider prescribed as the sole Treatment for an Illness"

I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like? I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.

Posting to hopefully shed hope on people in similar situations! One year ago today, we were involved in a MVA. From the start, Allstate began the claims process incorrectly, failing to send a field adjuster out to inspect the vehicle for hidden damage before beginning repairs. Several months later during repairs, the body shop found hidden frame damage. This led to the vehicle being deemed a total loss. We have fought with Allstate for well over 8 months, trying to get responses from our adjusters, managers, and the ombudsman with virtually no responses. 3 months ago, they provided a settlement offer. The amount was low. They specifically advised us that we could send comparables that were listed through Autotrader and other local sources ONLY. The car was a specialty sports car, with comps not widely available. I sent comps from alternate sources, not accepted by the insurance company. After a long silence and a lot of frustration, they agreed to the sources I gave and eventually settled with an amount 40% higher than the original offer. I know that there is normally about 10% wiggle room on settlements however, with a lot of time and patience, we were able to get them up above what we even believed the vehicle was worth, in addition to a reimbursement of all premiums paid on that vehicle post-claim while they wasted time by not replying. I hope this is motivation to those dealing with similar issues to not give up, even when things are bleak. It took a year between screw ups, lack of communication and delays but we got there. And please, do yourself a favour and avoid Allstate!

My dogs Furkin Insurance monthly premium just went up $18! Is this normal?!