Hey everyone! HOME HEALTH NURSES/WORKERS INPUT NEEDED So I haven’t been offered the job yet but I have a second round (!!!) interview on Monday :) this job requires a lot of driving, with mileage reimbursement. They said I would sometimes have to drive patients to and from doctors appointments and/or school (I’m a nurse, I would be a field case manager) and I’m just curious if any of you have been in this scenario. For car insurance do/did you apply for ride share option just in case? I am debating switching ins. companies anywho, my quote from Progressive is really high.. apparently in my state (NJ) they hiked it up just in general and a few months ago I got into an accident that I’m 100% not at fault for.

I just dropped Embrace pet insurance. My dog has a soft palate and breathing problems which are hereditary. The woman on the phone said they do cover hereditary conditions as long as it wasn't something that was detected before the policy began or after the waiting period, because then it gets listed as a pre-existing condition, which no pet insurance covers. I'm so confused. If the condition is hereditary then of course it was detected early on. I've literally spent 10k on vet bills for my dog (who's only 10 months old) and I've never been reimbursed fot a single thing because everything she went in for is considering "pre-existing", whether its seizures, bladder issues, bowel obstruction, or anything related to breathing. She gets aspiration pneumonia like every 2 months because she throws up and then it goes back into her lungs and then I have to pay for x-rays and give her antibiotics. The waiting period for it to not be considered pre-existing is 180 days. That's just not possible in her case. Literally the only way I'd ever be reimbursed for anything is if she broke a leg or something. Is there any pet insurance that will cover hereditary health issues without listing them as pre-existing? Do I just go to a different vet and not give her insurance info from her previous vet or what? Her vet bills are becoming unaffordable at this point. Just at a loss of what to do. Anyone who can give me advice would be greatly appreciated. Thank you.

Hey everyone, I'm currently living in CA and am on an Anthem Select HMO through my employer - my entire family (wife, daughter, me) are covered under this plan. My wife is currently pregnant with #2 due in September. However, my family will be moving to Pennsylvania in a couple months, and I will likely be staying with my same employer/plan (this is still to be confirmed but seems like it'll be the case). However, the Anthem Select HMO does not have coverage in the area we will be moving to, but the company also offers PPO options that do have coverage in the new area. Will moving across the country, at which point my coverage would essentially be lost, count as a qualifying life event and allow us to switch to the PPO coverage? I tried to reach out to the insurance company, but they said they can't make that determination. Is it a state requirement that determines it? If so, would it be CA state or PA state that would take precedence? I'm waiting to explore further with my company until it's for sure that I'll be staying with this employer as we're kind of keeping it on the hush-hush until it's official. Curious on your guys thoughts.

Hi everyone! I'm looking for some insights on my cat's insurance costs. I've been with Trupanion since my cat was 3 years old, and she is now 7. The premium has been increasing nearly every year, and I'm currently paying $106 per month with 90% coverage and a $0 deductible. She's been relatively healthy overall, just dealing with early-stage osteoporosis, which we're managing with weight loss. Thankfully, no other major health issues. However, the one time I submitted a claim, my vet had to intervene because Trupanion was reluctant to cover costs that were supposedly included under my plan. Given these details, does the price I'm paying seem reasonable? Also, if anyone has suggestions for more affordable insurance options in Canada that still offer reliable coverage, I’d love to hear about them. Thanks for your help!

So my mom (74) went to the dentist for a root canal today and was told the procedure was covered by her insurance. She has Humana and a root canal on her plan should be $0 out of pocket, however, she ended up paying $1800 because she felt stuck. We found her dentist through the Humana provider site and called the dentist to make sure they took her insurance. My understanding is that once you pay, it’s a done deal but does she have any legal recourse to recoup that money? Thank you in advance

I feel stupid for falling for Northwestern Mutual’s whole life policy sales pitch when I was in my early 20’s when I clearly had no dependents or need to have such a policy. I finally came to my senses recently and cancelled the policy, took the relatively small cash value and ran. My question really is how is that ethical for NWM to be preying on recent college grads to bring in high commission policies they do not need? The number one sign I did the right thing in cancelling my policy was how angry my “advisor” got when I stood my ground on our call.

Wondering if anybody has any advice or information they could give me I live in California and have progressive. I made a claim back in January to get a chip fixed with Safelite and that chip still turned into a full crack across my windshield my insurance went up and the deductible to get the windshield replaced was 500, so I decided not to do it Here we are now in July and I do want to get it replaced, but I don’t know if it’s better to just pay out-of-pocket or go through my insurance again with the risk of my monthly going up. Is there a way I can talk to my insurance so that my monthly payment doesn’t go up or should I just pay out-of-pocket. TIA !

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.

I asked the Doc to send a simple urine sample to Quest. My insurance covers 100% labs with Quest. Today I see on my Florida Blue Cross account they sent it to a different lab and my portion is $3170. What to do?

I have met my Medicare deductible. I have plan G Medicare supplement which pays all co-pays, etc. I am being billed by a doctor’s office in spite of the fact that I have no further liability for co-pays. What is the best way to resolve this as the doctors office keep sending me a bill.