I picked up a few prescriptions in January for a Tier 2/$30 copays. This was a transition fill because my employer switched pharmacy benefits manager (PBM) and the medications were not on the new formulary. They said the lower cost was a grace period and standard of care while appealing for an Exception For Coverage. A few weeks later my Exception For Coverage for the medications were approved so I paid Tier 3/30% coinsurance on the next fills in February. The Exception For Coverage was backdated to January 1st, 2025. Then, the following month it looks like the PBM reprocessed the January fills as a Tier 3/30% coinsurance and the additional cost was applied to my out-of-pocket maximum accumulator through my health insurance. I'm not sure what is going on here? I called the PBM and was advised that they will not recoup cost from me and they will not ask the pharmacy to reprocess the claim. The OOP max was never mentions previously, but the representative confirmed that my current out-of-pocket maximum (with the added amount) was accurate as well. Is this common practice for PBMs? Or, could it have been a system error? Has anyone else had something like this happen to them? I am so confused about this because I have not been billed for the additional increase in coinsurance from the PBM, but it feels like fraud since I know the numbers do not add up.

Hello, I'm new to having car insurance, when I enrolled progressive the asked me to enroll in snapshot to get "an special discount" after signing up and realizing the app had to run always on the background I deactivated it. The thing is I've been getting emails from them saying reactivate it to keep your discount. Is it really worth it to have it activated? I've seen some people saying their rate actually went up by having it on.

I have aetna cvs hmo. On the app it says I spent zero towards my out of pocket max which is not true since I went to an in network urgent care yesterday and spent $5 for my copay! Once the out of pocket max is met, then insurance covers all medical costs. Also when it says that my insurance will cover 100 percent for all medical services that are covered..when it says covered does that mean covered as in network providers?

Hi I got nexplanon and was billed by planned parenthood for $400, my insurance Community Health Plan of Washington states it covers birth control, but I’m getting charged $400 for the insertion? Is this correct or should I be completely covered by my insurance?

Hi all, I have two 4-year old cats on Healthy Paws pet insurance. I've seen the recent posts here regarding horrendous premium increases with HP, and am wondering if I should try to switch companies before my cats get older. My cats are healthy and I've never made any claims. My premium is currently about $80 for both cats (and yes, it did go up a good bit this year). I live in California (yikes). My major concern is that one of my cats has a history of struvite crystals in the urine. He's never had a blockage, a UTI, or any urinary problems - it was an incidental finding on pre-op labs before a dental cleaning. He's been on prescription food since then and the crystals have cleared up. But I know this would be considered a pre-existing condition if I tried to change pet insurance companies. My question is, how broad might this exclusion be? Would I potentially never get covered for anything urine or kidney-related if the insurance company tried to blame it on the history of crystals? And if there's a risk of that happening should I stick it out with HP (maybe the premium increases won't be as bad for cats?), or still try to switch? I do not have access to an employer-sponsored MetLife plan covering pre-existing conditions. I've read some companies might cover certain pre-existing conditions if they have been treated and symptom-free for over 12 months, would that potentially include my cat's history of crystals? Appreciate any opinions or advice. 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

Tried adding pics but the rules won't allow me 🥲 Howdy Everyone, I'm posting on here hoping to get some help. Background: My wife and I bought this home about 3 years ago with signs of potential termite treatment( burrowed holes 1ft apart the whole house). We live in a plant hardiness zone 10a? I googled it. We didn't see it as an issue since there was no sign of existent pests or insects. The house was left abandoned for several years though with overgrown grass. The neighbors would take turns cutting the grass since it's a community and thus house was not being kept up. Anyways, we buy it and within a year, we see small ants crawling around the house. We didn't see it as a problem since there weren't that many and it's honestly quote normal to just see a couple of an wondering around. A year later, around spring season, in a couple walls from a room, we see a discharge of trash come out of the bottom from between the walls. It had dirt, dead ants and wings seems to be carpenter ants. Immediately we call a couple of exterminators and they both concluded it was carpenter ants. Ok fine, we went with orkin services which sold us a contract to treat inside and outside. A year goes by and we are still sewing these ants crawling up the house from outside and the discharge every now and then. After constant contacts with Orkin and them coming to treat them we didn't see any progress with them. We decided to not renew our contract. We called and they insisted on sending out a tech to check out the issue. The guy gave me a rundown that it is definelty a carpenter ant and that they need to treat specifically for that..which I though that's what they had been doing. Apparently he said that we had just been getting the common pest control plan. WHAT?!?! The issue is not common pest but a pest specifically!! I got mad, they tried to sell me more services and then a perimeter cleanse and what not. He kept insisiting on selling me the 10k services. Kicked him out the house respectfully and blocked their number. Present: Which leads me to now. I'm now trying to treat the ants myself and bought these terro ant bait stakes, terro liquid ant baits for indoor, and the Terro ant killer shaker bag I've had these for about 3 weeks now and the ant seem to be eating it but there are still so many ants coming into the home. I see them going into the stakes and piling it up with dirt as if they were closing these baits off. Smart Mfkrs lol Anvone have anv more ideas on what I could do? I also tried plugging up the holes but they just creat new ones lol

I am being found partially at fault for an accident I was not involved in, and I need some advice. Here's the situation: I was driving up to a busy intersection where the traffic lights were not working. I was in the left turn lane, waiting for my turn to go. Cars to my left were crossing, and once they passed, it would be my turn to proceed. As those cars started passing, I began to pull out, but I noticed a car behind them, still approaching the intersection. This car did not stop and just went through, even though it was not their turn. I kept going a little, hoping they would stop since it was clearly not their turn, but when they didn’t, I stopped to let them pass. At this point, I was already in the intersection, close to their path but not in the way. They could have passed me without hitting me. However, as they started to pass and I was completely stopped, they suddenly swerved left. I think they either didn’t notice me initially or assumed I was still moving forward, and they ended up hitting the car in the lane to their left—another car that also went out of turn. Since I didn’t think I was involved in the incident, I didn’t stop and just continued on my way. About a week later, I received an email saying that a claim had been filed. The car that was hit was a Tesla, and it had a camera that recorded my license plate number. I called my adjuster, and they told me the police report placed me at fault. The report claimed the officer saw video footage from the Tesla showing that I didn’t have the right of way and went when it wasn’t my turn. I asked my adjuster if he had seen the footage, and he said the attorney (both cars are claiming injuries and filing lawsuits) had sent only the footage from the Tesla's side camera. The attorney refused to provide footage from the front camera. Even from the side camera, my adjuster noticed a car ahead of the one that swerved which would indicate they went behind the car in front of them and did not have the right of way because they never stopped at the stop sign., but when he pointed it out, the attorney claimed he was mistaken and insisted the other driver had the right of way, not me. They refuse to provide any other videos or even a longer version of the video that would show they never stopped at the intersection. I actually have a dashcam in my car, but I didn’t think to save the footage, and by the time the claim was filed, it had been overwritten on my memory card. I gave a full statement to my adjuster detailing my version of the incident. I also contacted the insurance companies for both other vehicles (both GEICO), and they said they were accepting 100% liability for the car that swerved and didn’t need my statement. Two weeks later, my adjuster called and told me that, because the police report said the officer saw video footage placing me at fault and both claimants agreed I was at fault, he would be accepting 50% liability and paying out policy limits to the injured parties. Is there anything I can do at this point? I requested the body-worn camera footage, but it would cost $245 and wouldn’t be available for 6-9 months, so that seems pointless. I am actually a PD claims adjuster myself, but I’m just flabbergasted and don’t know what else I can do.

So a few years ago Freedom Mortgage bought my Mortgage from Veterans United. I qualified for a VA rate adjustment at some point down the road and they were very helpful to set up a payment system where I am paying money every two weeks shaving years off the amortization schedule. The problem arose when we had water damage to my house during a storm. After getting the insurance figured out, there was mold involved which made things tricky, I had a large check which was going to be used to pay the final contractors to put the house back together. The check was sent to me, I signed it and sent it to Freedom because it was large enough to require the involvement of the mortgage company. The problem arose when they kept moving the goalposts and demanding more paperwork, more inspections, and more reports. After nearly two months of providing them with everything they finally cut a check, for less than the originally cited amount. I was told the amount was less because they withheld money which had already been paid. They said if I wanted more money I could either give them an itemized list, down to the nails, of every penny I am asking for or get an inspection at my expense to confirm the work hasn't started. Freedom is holding my money hostage and making every step of this process impossible. I cannot stress enough to get as far away from this company as possible. The only reason I am still with them is my 2.25% APR. The scariest part is their inability to tell me what they are going to do with the extra money once we are done.

Hello! I am struggling to find a good plan for my older cat. I am moving out for college and my apartment requires my cat has insurance. My family never considered pet insurance for her, so it's quite a struggle. Im an undergrad and I love my cat a lot, I grew up with her. She's the cutest torbie short hair with a beautiful coat. But she is 12 years old, with quite a few preexisting conditions. She has arthritis issues and a pretty bad knee, a partially amputated tail from cysts, and has had teeth issues as well. Honestly, considering her pre-existing conditions, I know I will not get much from insurance besides maybe small coverage for check-ups. Lemonade will not let me file for her because of her age. If anyone has recommendations, I am considering a cheaper policy. I am looking into FIGO, but obviously, I have seen bad reviews for every company so I am pretty stuck on what to do.