I am trying to move my HSA out of Fidelity for a previous job, since they will start charging fees. When I tried to open a Lively HSA, I got this message. Has anyone else run into this before? Any theories why I might be getting this? \--- Thank you for reaching back out to us. After careful consideration by our accounts team, we have determined that we will be unable to open an account for you and have no further information we can provide. There is no further need to contact us about this as our decision is final. We consider this issue closed and will not be responding further. Thank you for considering Lively, we truly wish you the best at finding another HSA provider. EDIT: I just contacted Fidelity, there are actually no fees! I'll be keeping it as it is.

Hi, I cancelled my policy with Allstate on July 29th after paying my July 1st bill with my next bill date being August 1st. Cancelled my renters and auto in one swoop through the online chat, though next day I realized they hadn't cancelled my auto. Only my renters, I contacted them again. They backlogged the effective date for the auto to the 29th as the renters was. I already thought they were trying to get an extra payment out of me there, hoping that I wouldn't catch it... The reps on chat assured me that I wouldn't owe my next payment on the 1st since I cancelled my policy previous to the payment date. The next day I checked to ensure the auto cancellation went through and it did show effective so I went ahead and turned off auto-pay. Next day there is a charge on my account for $302. Today I had the time to call so I called Allstate. First rep asked me some questions and then put me on hold for 40 minutes, only for another rep to answer. Second rep told me that my bill has been sent to collections and gave me the number to call. I called collections and they haven't received anything due for me.... I called Allstate again.. Last rep told me that the extra $302 was due to the cancellation of auto-pay on my already cancelled policy.. Also stating that technically my due date without auto-pay would've been on the 18th of each month, which she said if i hasn't have turned off auto-pay they would've owed me money. This is genuinely not making any sense to me and feels like a gigantic scam. None of the reps at Allstate are willing to waive my balance due to an incorrect charge. Do I just wait for the bill to hit collections and then dispute it? What can I do about this? I'm also infuriated that I spent in total two hours on the phone for this.. lots of misinformation all around and no resolution.

My father died and we are in process of cleaning and getting ready for resale in Illinois. I called State Farm and explained they told me the renewal in October may be subject to non renewal. And said to add a vacancy clause will be very expensive. Should I shop Around now or wait? I am executor. What happens to utilities if house isn’t insured? Someone told me they get turned off.

I got diagnosed with sleep apnea and I was delaying my treatment because I found out that its very expensive. After a few months, the cpap company based in Houston, TX reached out again that my deductible has been met and I just owe 171$ and then insurance will take the charges. After I started my sleep apnea treatment, I got the call again from the medical company that they made a mistake on their end and the benefit information was not correct. So now, they are asking me to pay 45$ for supplies and 65$ for cpap rental every month till the payments are complete. I am just a loss of what the hell is this! I get screwed up and left with more charges for a treatment which was quoted wrongly to me. I called Blue Cross Blue Shield OF TX and they said they cannot help me. My current insurance is ending in one month and I am changing insurance from next month. So, it doesn’t make sense why pay deductible towards an insurance which will not be there in 30 days. What are my rights?

Hi, I recently canceled my joint insurance policy that was under my brother and i's names. They sent a refund but the check is only in his name, I asked if they could send another check in my name because he's not available to cash it, and they said that his name was the only one on the pay account for the policy even though the policy was in both of our names, so state farm will not issue another check in just my name, or in both of our names. Is there any way for me to cash it? I'm the only one that paid the bill for insurance for 2-3 years using my card, in my name every month. And I think it's a little stupid they won't issue another refund to me specifically, when it's my money being refunded. Any help or advice at all would be greatly appreciated, thank you!

Looking for updated info — my pet’s annual dental cleaning usually runs **$900–$1,200** (under anesthesia, with X-rays). **Nationwide’s wellness plan used to reimburse for it**, but I just found out that plan is **being discontinued** or no longer offers the same benefit. Most "wellness add-ons" I’ve looked at (like Figo, Spot, etc.) only reimburse **$75 or less** for dental cleanings, which barely makes a dent in the total cost. Has anyone found **a provider that actually covers full dental cleanings** under wellness or medical plans? Either as part of a **preventive package** or through **major dental** coverage?

Hi, First off, let me list out my situation quickly: Washington State College Student Insurance: Medicare --> EMI Health (Switched, received pay raise) Today, I checked into my dentist for a cleaning. I informed the front desk person I had switched insurance providers. She didn't say much, but checked me and said I would meet with a patient resource person after my appointment. I went back, had what I thought was just a cleaning. I went to the waiting room, then had my meeting with the patient resource specialist who told me that my insurance was no covered. no worries, what does a cleaning cost? $70? No issue. Well no. They did a "scaling" thing because my gums were inflamed so the total is $209. In this meeting was the first time I was informed about the scaling they did to my teeth. I have no recollection at previous appointments of them mentioning scaling or anything. I was never disclosed any cost because if I would have heard $209, I would have dipped quick. Is there anyway I can get out of this? I feel kinda screwed over because I had no idea what they were going to do to my teeth or procedures performed. It was my impression it was just a cleaning. I understand it is MY RESPONSIBILITY to verify my dentist is in my network, so I own up to that. It is mainly the scaling thing... I have a phone call with the dental supervisor. What should I say? I want to be as respectful as possible. Thanks

I want to rollover my Fidelity Traditional IRA to my current 401k plan at TRP. TRP requires that incoming rollovers be done via a letter & and check made out to and mailed to me, that I must then mail to TRP. When I called Fidelity to request the check and letter, the rep I spoke to was frankly, shocked, and highly discouraged doing rollover via check and recommended I ask TRP to do a direct rollover instead. (I did, and they said no.) I am so frustrated that TRP is so outdated, and to be honest, the Fidelity rep’s reaction has made me nervous that something will go wrong. She sounded like they never do it this way anymore, and had to transfer me several times to get to someone who could confirm that they could even write a check & letter according to the specifications from TRP, and said that the request was very unusual. These people handle rollovers every day- is TRP the only one that does it this way? I much prefer Fidelity, and the only reason I want to do this is to open up the option to make backdoor Roth contributions in the future. (The traditional IRA only exists because I rolled over my prior employer plan to it years ago before I knew what I was doing). That being said, I currently am not yet at the income limit for Roth IRA contributions, but I expect (hope) to be there in 5-10 years. I wanted to roll over now to get it over with & because I know not all plans allow an IRA to 401k (reverse) rollover, and I don’t know if I’ll be with the same company when it comes time for me to begin backdoor Roth. Am I overthinking it in either direction? Should I just suck it up and do the indirect rollover (and not sleep for weeks until I see the funds cleared)? Or am I thinking way too far ahead about backdoor Roth and should just leave things as they are? (Or just complain in solidarity with me that TRP is super annoying and out of date with their rollover process - has anyone else experienced this?) Edit: I have been informed in the comments that if the check is made out to “TRP FBO my name” it is considered a direct rollover, which is great.

I was laid off effective 3/31. (Thanks, Trump and Musk.) I filled out the application with PENNIE on 3/31. Got approved and told I have 60 days to select a plan. I called PA/PENNIE then. I didn't have my COBRA info yet so couldn't make an informed decision. I just logged back on to PENNIE and while it still says "you have 52 days to choose a plan," the effective date is coming up as May 1st, not retro to April 1st (like how COBRA works). I've called and the rep is not well-informed. The last time I called, another rep said "yes you can choose later and it goes retroactive."

Aside from the appalling over 100% premium increase in my renewal this year because my dog turned 10, I've noticed two new things in my Fetch policy. If you have more than 50 claims they can remove discounts and lower coverage. I always knew if you had a lot of claims it would cost you BUT how is the 50 counted? Every prescription claim counts? My dog gets 4 prescriptions a month, some only 10 bucks but it might increase my plans because of the number 50?? Next is the sublimit on prescriptions. Shouldn't be surprised when I saw them add their own pharmacy option. So if you use their preferred pharmacy that's waived. Great. But 2 of my dogs prescriptions are compounded eye drops and not available on their site. Nothing I can do about that? Has anyone ran into issues with these two new policy changes? Mostly worried about the claim one. I probably submit 4 to 5 a month of just meds. I used to put them all in one claim once a month but they kept messing up that way 🙄