Hello, and thanks in advance for any suggestions. I have a 2024 and a 2025 FSA - for simplicity lets say theres 750 in each. We had a hospital stay for the birth of a child, admit on 12/30/24 and discharge on 1/2/25. Total bill 800. I need to pay the 2024 expenses with the 2024 FSA, and 2025 with the new 2025 FSA. Hospital tells me to contact blue cross, blue cross tells me to contact hospital. Neither FSA companies help. Hospital gave a detailed invoice, but the invoice is a mess and impossible for me to split into services given in 2024/2025. The invoice shows the full charges before insurance. i asked blue cross to provide me with what I an responsibke for, split between the two years so I can call and manually charge each FSA for thier respective years… then pray the fsa will take the invoice as a reciept cus I cant get an EOB split by year… This is all a mess, Im exhausted with a baby and JUST WANT TO USE MY OWN MONEY I paid into these stupid FSA’s. To make it worse my employer chsnged FSA providers so I have 2 seperate fsa companies to submit these charges. Any tips?

I've had two rate increases in a year's time, increasing in total about 64%. Has calling to reduce helped anyone? This is honestly crazy, and their vague emails with arbitrary reasoning is incredibly frustrating. September '24: $74.57 to $91.77 September '25: $91.77 to $121.58

Hey My dog and I are moving to NYC this fall. She's a 3 year old spayed beagle. I did some research and lemonade was suppose to be the cheapest option but they are quoting me 107 dollars per month for a 80% deductible! What is happening? Any other options for pet insurance? I was hoping to be under 25 dollars per month for my pet so that I can put another 15 towards renters insurance. I am a student for the next year and a half so I wanted to be careful with money just for the next year and a half. Any help will be appreciated ! Edit 1: you guys have been so helpful with such amazing suggestions! Moving internationally all these suggestions will help me make the safest decision for my girl! So thank you so very much !!

I have been a State Farm policyholder for nearly 30 years. Last year, they warned me that my roof needed replacement, otherwise they would cancel my policy in September, 2025. I replaced the roof that summer and sent State Farm the evidence. I even have voicemails from State Farm acknowledging that I have replaced the roof and even suggesting I might be able to get a discount for the new roof's impact resistance. Today I received a letter that they would cancel the policy because I hadn't replaced the roof, just before the height of hurricane season for our area. Either incompetence or underhandedness on their part? I can't tell.

I bought my house in 2019 from my father. He says he had the roof replaced in the last 10 years or so but doesn't have any documentation of it. When I started my policy with Allstate they sent an inspector out to inspect my house and issued my Policy. Last month, we had a bad hail storm that damaged my roof. When I tried to file a claim for it they are asking for proof of age roof, which I don't have. Shouldn't this have been asked for back in 2019 when I originally got the policy? Do I have any recourse in this situation? TIA!

Right after the hurricane, my car insurance with Nationwide went up to $220/mo (was $150). They told me it was the best rate they could get for me...yeah right! With a late fee of $30, I have been paying $250/mo! I just went with progressive and am back down to $150/mo with good coverage...200 deductible, car rental, roadside, etc. Nationwide was a total rip off.

I have a six-year-old lab mix (50 lbs) who is in good health, but a couple months ago, she was limping a little bit and had an x-ray in which the vet I saw said there was some minor flattening of one of her hip joints. I have a family member who is a vet in another state, and she said from the scan she saw, there was nothing worth noting or treating and she seemed to be in perfect health for her age. She’s also stopped limping entirely about a week or so after that appointment. However, I know that the vet we saw does have it in her chart. I tried to file a claim on this, but as with literally every other claim I have ever made (nothing serious or crazy expensive so I let it go), it was denied. I have had Figo since I got her at 1.5 yo (rescue), but the same plan that I still have since I signed up shortly after adopting her started at about $25 a month, and now is creeping up to almost $125. My annual renewal date is mid February, so I have been thinking about making the switch. However, I am wondering if because of this last visit, if she were to develop hip dysplasia later in life, they would use that as an excuse not to cover anything. Barring any accidents or random injuries, it doesn’t seem at this point that anything else is concerning or showing signs of future problems at this point. She’s an inside dog and has always been up-to-date on her shot and flea, tick, and heartworm meds. The vet did bloodwork when I took her in for x-rays, and everything came back crystal clear, as it has any other time she has had blood work done. I’ve just become increasingly frustrated with Figo given the price hikes every year and their refusal to accept anything. I feel like I’m wasting my money, but don’t want to get screwed over later on if a new company sees it a pre-existing condition. But I’m also too anxious to not have any insurance at all. Anyone have experiences similar to this? Any advice? Do I just tough it out and keep shelling out the cash just in case? I know I should have probably switched years ago, but here we are.

I had to file a claim with my automobile insurance company due to 4k worth of damage to my vehicle when I hit a MASSIVE pothole. The pothole looked more like a huge chunk of cement that got wedged out of the lane, possibly by a snowplow. It was the tail end of a decent snowstorm and this hole was unavoidable. Why? I was surrounded by vehicles and to swerve either way or stop short would have resulted in something far worse. I attempted to straddle the hole but it was too wide. After having my interview with my claims examiner she told me she felt strongly that she could get her boss to sign off on my claim as a no fault. she called bck and told me it wa an at fault and wouldn't budge. She read me the typical language that I should be aware of my surroundings and more cognizant as to the road conditions before me. The conversation went nowhere. They paid the claim at least. My question: how could they call it at fault given the circumstances? They made this decision without ever even seeing a picture of the pothole, which proves its width? I am now trying to get the item removed via lexis/nexis. How much might this save me if it were remove?

Like many people, I realized Optum HSA sucks and was trying to transfer over to Fidelity. I put in the request with Fidelity to initiate the transfer and saw that my funds were transferred out of my Optum account in early March via a check they send to Fidelity. Fast forward to this week, I talked to Fidelity several times since they had yet to recieve anything and in their words the timeline was odd. I call Optum and they are adamant that Fidelity should have received something and asks to me to confirm with them again by asking them to search by the check number. I trust Optum about as much as I trust the New York Rangers to win the Stanley Cup so I ask them to confirm where they sent the funds. They read off an address and company that I had NEVER heard of (it is a real HSA company though)... I then confirm they received the actual request from Fidelity and they dont need any additional information to execute the transfer since they ALREADY have the information they need... I don't have a huge HSA account so it was less stressful for me but I couldn't help but think how someone would feel with a HSA account with significant funds that they try to move towards the end of their career only for it to go missing. I'd have lost my mind in that situation! PSA: Double check everything and anything with Optum. If something smells fishy, it probably does for a reason.