I have BCBS Horizon of NJ PPO. It’s my dad’s plan thru his work at a large sales company that has no religious affiliation. He’s worked there only a few years definitely after 2019. His job is in NC, I’m a MD resident. Currently battling insurance for a bilateral salpingectomy which is a form of permanent contraceptive and falls under preventive care and the ACA. My plan offers preventive care 100% covered in network. My insurance is telling me it’s covered at 80% after my deductible is met ($1200). One rep even told me my plan must not be aca compliant then. I looked into that and BCBS NJ horizon has not offered a non aca compliant plan since 2013. This rep is flat out lying, right? Well she gets a supervisor involved and he can’t confidently say whether my plan is aca compliant or not. It covers birth control 100% (I currently am on a 100% covered by them birth control). I think they may be looking it up as an outpatient surgery and not as preventative care. How do I tell them to look at it from preventative care and not outpatient surgery? Is it even possible for my plan to not be aca compliant? I’m currently in communication with an hr person from my dad’s company. She hasn’t gotten back to me yet and I really want to sleep tonight. My surgery is March 27th and I really can’t afford for it to not be 100% covered. Please help 🙏 💜

Hey denied my cat’s mycoplasma diagnosis because his first vet record shows he was sneezing (self report by us.) however, he is a Persian and they tend to sneeze for no reason. The sneezing he was doing when he got sick was WAY different than just a smelling around sneeze. Now they’re saying it’s a preexisting condition when it’s not! (It was a bacterial infection, he didn’t have it when we got him for sure). We got him in December and he got his cold in February. I’m so upset and really regretting getting Lemonade

My husband lost his job a month after I gave birth and is on unemployment now. I applied for Medicaid and now my son and I are on it. However, we both got a card for some Amerigroup plan which is through Medicaid? My son's pediatrician only takes Medicaid and not this plan but I'm confused. Is this not still Medicaid? And if not, why would we get put on this plan from Medicaid when we never asked to be put on it? Can I reject this and just have us on plain ol Medicaid? Who am I supposed to call to get this fixed? Age: 32, Son is 5 months. State: GA. Estimated income: $30,000 from unemployment. 3 person household I don't understand how this works. Can someone explain it to me like I'm 5 lol.

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

Recently my father passed away. I’m his only child and there was no will, however, I moved out a few years ago and my mom lived there with him even though they’re divorced. I never probated the house or got it put in my name so I’m sure that will be an issue later if I did want to file a claim through State Farm later on. What I need to know is if I should file a claim or fix it out of pocket? My mom has let the house go in a pretty terrible way. Before my dad passed it wasn’t great. The floor was bubbled up in some places and sunken in others. When the upstairs toilet overflowed the chandelier fell off the ceiling in the kitchen. He filed a claim through State Farm once in 20 years to get new carpet but it did not fix the underlying problem. Now there’s holes in the ceiling, in the floor, in the walls. And there’s rats. You sit on the couch and you can hear them scratching in the walls and running through the house. The back deck has unattached itself from the house and is falling apart. I feel so bad for my mom and I don’t even know what the problem is much less how to begin to fix it or who to call. Please please any kind of advice would help. Edit: I think that the holes and the problems with the floor being sunken and swollen are from some kind of leak?? Maybe under the house but I’m not sure. I know insurance won’t get rid of rats or anything like that. I just wanted to know if the other stuff was able to be claimed had it been a result of something else like a leak.

I'm in a little bit of a conundrum. I have both a Roth IRA and an Individual Brokerage Account with Charles Schwab. I also had a retirement account worth $15,000 including a Roth 401k with John Hancock, but then I changed jobs. I decided to roll the money from John Hancock over to Charles Schwab to make things more simple by having everything with the same institution. They said they would send me two checks made out to Charles Schwab. I looked today at my John Hancock account and it now says my balance is $0, so I'm guessing they have issued the checks. John Hancock said there will not be a 20% tax because it is a rollover. However, I called Schwab and they said there would be a 20% tax. I kept asking questions about it, but the gentleman said to consult a tax specialist. I don't have a tax specialist and I'm not trying to spend a lot of money to consult one. Also, Charles Schwab said the checks need to be for the exact amount going into the Roth, and the exact amount going into the Individual Brokerage Account. I never gave those numbers to John Hancock. What would you guys do in this situation? I really don't want to lose $3,000 due to taxes if I can avoid it. Also, can I trust Charles Schwab to give me the best advice for me here since they have a personal interest in getting the money into their bank?

I have one of my dogs on insurance, the other one isn't, both of them ended up with allergies before I was able to get insurance going (my first girl showed clinical signs in the first 2 weeks). It's unfortunate as they're both rescues and it's a bit out of my control as they weren't puppies when I got them. I'm thinking about cancelling my first girls because it's done absolutely nothing for me, and switching to Banfield's care packages. I currently pay $45 a month for one of mine. Just curious if anyone has experience with them, and if so do they think it's worth it over actual pet insurance?

Hi guys, I used to have Healthy Paws for my cat but wasn’t happy with the service or price, so I switched to Embrace about 3-4 years ago. My cat is now 5 and her current coverage is: $5K annual limit, $1K deductible, and 80% reimbursement. Recently, they denied a claim for a mass removal on her nose, citing a 2022 note about a mass on her thigh—which my vet believed was just a mild reaction to a vaccine that was administered the week prior reaction that resolved on its own (EXACT same location as the vaccine). I’ve submitted a request to review the claim and re-evaluate that pre-existing condition. This is the first time I've had to disagree with their assesment of the bill, and not sure how that will go. But now knowing that they won't cover any masses (including cancer) because of this makes me anxious. This made me reconsider Embrace, what pet insurance do you all use, what’s your coverage like, and how much do you pay monthly? Any recommendations for an insurance that would cover future masses (including cancer) even though she had a "mass" in 2022 that was most likely just a reaction to a vaccine lol.

So, in December my son took one of our cars from Florida to Virginia for university. VA required limits are much higher than in FL and changing the limits, plus garaging the car in VA, raised our Progressive policy to almost 3 times it's cost. Instead, it was suggested by the insurer we get a different policy for the car in VA. And we did so, through Geico. Now we have 1 policy in VA for my son and I and 1 car. One policy in FL for my son and I and the other car. Today, I received a notice from the state of FL that they are going to cancel my registration because the Cadillac (car in VA under Geico policy) doesn't have insurance, according to their records). Sigh. Will FL accept the VA policy? I can't really register the car in VA since I don't live there and the car is in my name. And both the kid and I have FL licenses because he is a student, so his residence is still FL. Is the only solution to pay 3 times the amount?