I hope the flair is correct. So I have Aetna POS II through my employer and my prescriptions are handled through OptumRX. I previously had Cigna health insurance for 2024 and was forced to Aetna cause plans changed and this was the cheapest one (even though it’s not cheap) I had an auth for Zepbound valid until 3/16/25 that was initiated in September 2024. Well my provider submitted a new auth and it was denied. Optum is telling me it’s my health insurances problem. Then Aetna tells me they have no control, contact Optum. My provider is supposed to submit an appeal but I’m feeling really confused. Who has control over the prescriptions then? How have I gotten two refills since January even with my health insurance changing? (Optum rx has not changed and I had them in 2024 too) Can anyone help me understand?

2019 Toyota Camry / New York / GEICO My husband was running late to work today and on the way there, there was a slow car right before the entrance to his job. He went around that car and his car slid and hit into a pole. No one got hurt. He said the car drives fine, the damage seems to be on the cosmetic side hopefully but he doesn’t know for sure that nothings leaking or broken inside. None of the sensors are going off. I wish I could post a picture. He contacted GEICO online since he’s still at work and couldn’t call. They made him take pictures without any detailed explanation about the state of the car and offered him 3k for the car. We are 4K away from paying off that car. We are not in a financial state to just get a new car and we were so excited to finally stop the crazy payments on the car. What do we do? Do we take the 3k and use it towards a new car? Or is there any chance to contact company directly and see if there’s a chance to fix the car? Sorry if my questions seem silly, I don’t know much about insurance or cars. Just want to ease some of my husbands worries if I’m able and have a clear way forward. He’s shook up and freaking out about how stupid he was to make such a mistake especially when we were about to be done paying it off. If you have any advice thank you in advance.

Sold my other car and bought one at the same time, then returned the second car and got a full refund. All of this happened within 7 days of each other. Geico said I can't take off the car I returned, despite it not being in my name, without fully losing coverage which will then cause a lapse in my continuous insurance coverage. They basically said I either keep the car on until I find another one, or fully cancel my policy which puts me in a not-so-great spot. Geico offers non-owner auto insurance, and they couldn't give me a reason they couldnt insure me without a car, only the above "solution".... so if I cancel my policy and try to get a new one, Ill have to pay a down payment again and be subjetc to higher rates because I had a "lapse in coverage". What would you do?

Edit: Total amount that was for the insurance that month was like $400 something. I think around $430. Not sure if that has something to do with it Hey so I had gotten my car back a couple of months ago. To put it short, for some dumbass reason my ass didn't think I would need insurance to take the car off the lot and didn't factor that into it, as the last time I gotten a car I went to a shady shitty dealership which let me drive off with just liability. So I had set myself up with Bristol West. Thing is I did not have the money for the insurance but it went through because I did an option that would collect over a few days. It showed as active for me to collect my car. Anyways immediately like a day or two later, I decide to go with Progressive which was much cheaper and canceled my plan with Bristol by calling them. (I used Bristol to pick up my car but then changed it to Progressive and they took that) After it got canceled I got some mail saying that I owe $110. Now question. I do know that say if you cancel mid-cycle or early they give like a "refund" or don't make you pay the whole amount. My question is, does $110 seem right for literally using them for about a day or so. Keep in mind they couldn't even charge me but it showed my acc as active. Active enough to try and get my car. Does anyone have any experience with this? How do they decide how much to charge you when you cancel, Does it matter when you cancel or they just give you a rate which you have to pay. I just realized that they sent it to debt collections and want it.

This company charged me $1800 for a full exclusion and didn't follow through on the work. They said they would hold my card on file then charged it without asking. The work was not completed and I cannot get a call back from Terminix despite multiple tries and paying for a year of full service. I am disputing the charge and I hope nobody else gets tricked into trusting them.

My car is a **1989 Honda Civic RT4WD Standard** — these are practically unheard of now. I know insurance companies won’t pay for uninsured upgrades, but I recently spent **over $8k** on paint and body work to restore it to factory condition. The paint, trim, wheels, and tires are perfect. Unfortunately, we had a hailstorm while I wasn’t home, and the car got **hammered**. The insurance company is using comps from the much less desirable **2WD automatic** version, which sells for around $5k. I can’t even find a standard RT4WD for sale, but the closest condition autos I can find go for close to **$10k**. Similar Japanese “Beagle” versions are also around $10k. The insurance company says they can only use **dealership** listings (not private party), and since neither I nor the adjuster can find a dealer listing for my model, they’ve offered me **$4k**. I know it’s worth much more. I’m looking to get a **3rd-party valuation** but don’t know where to start. Has anyone here actually used a company for this and can share their experience? I can Google, but I’d prefer first-hand recommendations. Once this is resolved, I plan to move the car to **Hagerty** since they seem to handle collector/older car valuations much better.

I have Allstate currently, paying ~$300/month for bare minimum requirements on financed car. Final payment was just drafted, and they sent me renew documents. New monthly premium will be almost $400/month. No accidents, incidents, new drivers, nothing. Everything is exactly the same as when I started the policy. Why would it go up so much? I expected an increase but I feel like this is a lot. I’m a fairly young driver (22) with a newer vehicle, so I know that’s a factor, but I simply can’t afford to pay that much. Is it going up for everyone?

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?

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

I have had embrace for 10 years on my dog and cage and have had claims and have a 90% Reimbursement Rate they are awesome . Over the years rate increase were always as expected .I just got my Renewal and it sky rocketed from $220 a month to $340! Any one else experiencing a dramatic rate increase?