So my son receives ABA services through a tier 1 provider. This goes through deductible and coinsurance. $650 individual deductible, $2000 coinsurance (minus prescription and copay, solely for him, the numbers mentioned don't apply to family deductible). $0 is covered until the $650 is hit, 80% is covered until $2000 is hit, then 100% covered after. So I call up insurance because last year's bills are much higher than expected. I don't even know the total yet for just last year. And I can't look at the online EOBs yet until tomorrow. So, $650 is covered very quickly. Then there's a $6000 bill (for one date of service) sent to insurance. 80% is covered, we cover 20%. This is where I get so confused. Apparently because the first day wasn't processed first ($11,000) and this $6000 was processed first, she said we are actually paying so much less money overall for the year. We have to pay for the 20%... But it doesn't sound like it counts towards the $2000? We might be paying a total of $4,000-$5,000 once this is all said and done. It went like this... "So if I've already paid the $2,000 towards ABA, why do I have to pay over that?" "Because you're responsible for 20% after the $650 is paid until you reach the $2,000. You're actually paying so much less because that $11,000 wasn't processed first, so you're coming out on top. Otherwise you would have had to pay $2,2000." My brain hurts. I don't know what's going on. That would have put me over the $2,000 and it sounded like he still wouldn't have been considered as reaching the $2,000.... Someone please explain 😭

Hello, I just found this sub. I am looking at getting pet insurance. I have a 3 month old cavapoo. I was going to go with fetch until I saw all these horror stories. I am in Canada. Any suggestions? I got quoted $108 with trupanion. Seems high. Fetch was like $60 with the wellness. I notice they all jack up premiums based on whatever yearly too. Even if trupanion says it's not based on age, they can blame it on whatever. I asked them and they said they're is not cap on how much premiums can increase. I understand it's a gamble. Might never need it but I want the piece of mind of having coverage.

I have been dealing with new health issues and it’s freaking me out. I was previously on medicaid under my mother but became ineligible after I turned 19. I cannot enroll for myself because I was denied twice already for other reasons/don’t meet this “qualification.” Before that happened, I was with a provider who ordered a scan for me that showed something but I had to cancel the appointment after losing coverage. My mother then unfortunately put me under a plan under UHC but after I started having issues with them (plus all the things that’s been said about them in general), I’m thinking I should look for another. I’m not sure where to go from here though because it’s passed the enrollment deadline since a while ago and I do not meet any of the special circumstances to enroll. Both of my parents are on medicaid so that’s not an option for me anymore. (for context I am 20F in college, currently don’t work a job, and from Illinois)

nybody here have mediCal? (Govt free medical insruance in the usa for ppl under age 65 and unemployed or flat out broke). My uncle generously cash paid for my mcas doctor. I have a script for cromolyn sulfate, can I use the script at the pharmacy and will medi-cal pay for the meds? Usually people with California state Medi-cal for those under 65 are unemployed or too sick to work but not yet documented and broke like me, so qualify for medi-cal, but those doctors are the worst and most incompetent. My uncle paid a mcas doctor to see me, abd I got a script for cromolyn sulfate. Usually medi-cal will pay for my meds even if i saw a cash pay doctor. Or is it a situation whereby I need to prove that I used lower level meds and they didbt work before I get approved from cromolyn sulfate? Remember I tried to get triamcinolone cream under private insruance (blue cross blue shield), but they said i had to trial lower level creams and then fail those 2x first. Making me waste life energy and jump thru hoops so insurance company can save 20$.

GEICO removed my telematics discount after a month. Not exactly sure why the score seemed fine , in the high 80s, and it had been used regularly. It is what it is, not sure I see the point in arguing with them. It drained battery any way. However, I’m concerned about how much more it will go up at renewal. Anyone have experience with this?

hello everyone! I just adopted a cat, a 1-year old female (spayed, no previous health conditions). she's been to the vet, and they didn't note anything out of the ordinary. I was going to go with trupanion, but have seen a lot of mixed reviews about their compensation policy (something about per condition). I was wondering if anyone here has been in a similar situation to me? what insurance do you use for your cat?

So about a month ago, I took my dog in for her routine dental cleaning. While she was under anesthetic, the vet discovered that she had gotten a stick that was wedged right across the roof of your mouth and had punctured her gums on both sides, requiring 2 of her premolars to be extracted. I filed a claim but it was denied because years ago (all the way back in 2019) there was a record of some peridontal disease at a completely different vet. Trupanion is saying they won't cover this latest incident because of that prior history, even though I've been with Trupanion since I got my pupper. Is it even worth the effort to try appealing this? I just feel like the damage to her teeth was not really caused by periodontal disease, it was more of a freak accident because she chewed a stick.

I am a 33yo f and my sister is 30yo f. We both have geico, same coverages, haven’t been in an accident or have gotten any tickets in 5+ years. We both have newish cars. Hers is a 2024 Mazda and mine is a 2025 Nissan. We live together at the same address. Why the hell is her car insurance almost half the cost of mine?! I am so annoyed about it! Lol

My cat is getting up there in age so now I'm trying to find a good pet insurance for her. I'm mainly looking for one that would also cover dental. I've been looking at Spot, but lots of people have said it's a scam, and from what I've heard AKC insurance doesn't cover dental.