Hello, I doubt I can do anything about this but I'll ask anyway. My broker automatically froze my account yesterday because I supposedly made a large amount of orders (less than 10 a day on average). The average of those orders were positive so I'm unsure why the amount matters, not like i was losing money. I had an ongoing call that I was keeping waiting (hoping) for the price to go up and placing puts as the price was decreasing, so i was slowly making back the unrealised loss (and I did more than make up for it before tariff struck). Anyway, yesterday I tried to place a put but noticed my account was frozen, asked why and the help center told me the reason above and that it was there to protect me. Anyway, tariff happened today so the earlier mentioned call escalated in price which triggered their automatic order closure when the account reaches 25% of its value. Since my account was frozen i was unable to place a put to stop the fall in price and such. They did prevent me from placing a put just before the tariff struck yesterday, and while it was happening. So i was wondering if I could ask them for any sort of compensations or if I should cry. the broker is trading 212 just in case. Location: France

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."

My BCBS refused to pay any of my blood work. I was referred by my doctor to go to a specialist to get blood work done, over 6 months ago. Now I got this bill in the mail from Quest and found my EOB. They coded it 002 as “we do not cover experimental or investigational procedures” Ok…isn’t the entire point of blood work to investigate? Anyway, should I call my insurance or the specialist to appeal the bill? Any advice? This has never happened to me before. Thank you!

Hi all, I have a ragdoll cat who just recently turned 1. We’ve had no health issues thus far. I start seeing this subreddit pop up and saw horror stories of HP. A couple questions: 1. I know a big part of if reimbursement is diligence. Our breeder did a health check on our kitten and gave us the paper work when she handed him over, but we still haven’t submitted it into HP (I know that’s on us). We started HP about 15 days after the exam. Will that paperwork be okay to submit now? 2. We are currently paying $30/month. Are we better off switching now instead of dealing with HP long term? Thanks!

I have United Health Care’s high deductible plan, which I chose vs the lower deductible when I started my job 3 months ago for the HSA and because I have no medical conditions and rarely see a doctor. I’ve developed neurological issues the last month that have required a doctor visit, MRI, and now a follow up and likely more testing with a specialist. The doctor visit was $177 after a discount and MRI was $621 after discount. Does insurance even with that plan really not pay anything more? My old plan through my old job was high deductible with HSA, but bills were still only $70. At the rate I’m going, my old and new HSAs will be drained well before I hit my deductible, so I won’t have money to pay the bills. I guess the short answer is the doctor offices won’t get paid until I have the money, but is there anything more I can do? I can’t imagine how expensive seeing a neurologist will be plus whatever tests they want even if in Network.

I recently submitted a claim to Trupanion and it seems kind of weird. For example, let's say I claimed for $1000. The deductible is $200 and a 90% coverage rate, which means I pay 10% coinsurance. So based on that, I thought the math would work like this: * $1000 - $200 (deductible) = $800 * 90% of $800 = $720 → Trupanion pays * 10% of $800 = $80 → I pay (coinsurance) But instead, here’s how they seem to calculate it: * 10% of $1000 = $100 → My coinsurance * $1000 - $100 - $200(deductible) = $700 → Trupanion’s portion This feels off to me — like they’re applying the coinsurance *before* the deductible, which doesn’t seem logical. Shouldn’t the deductible come off first, and *then* they apply the 90% coverage to the remaining amount? Has anyone else experienced this with Trupanion? Am I misunderstanding how their calculation is supposed to work? Is all other pet insurance company calculate the claim in this way?

After a surgery consultation, my doctor submitted a pre authorization request to my insurance, Anthem (North Carolina). I believed it had been sent on March 17th, so I called my insurance to check the status last Friday. However, there was no record of any pre-authorization being sent. This turned into the insurance calling the office, and they confirm it was sent March 24th (so it is confirmed by both the office and the insurance rep who called). Now today, I called to make sure the information had been updated, and that the pre-authorization had officially been received. Once again, they say there is zero record of any pre authorization. This is my first time having to go through this process, and I'm just super confused. I know the expected date to hear back is within 15 days, but I at least thought the request would be on file. I don't want to have to call again, but I'm getting worried that the request won't show up in the Anthem system. Plus I can't schedule surgery until this is approved, and I need it done this summer so the longer this takes the more nerve wracking it is. Basically, is it normal for my insurance to have no record of this pre-authorization request 14 days after it was sent?

Hey friends, I got rear-ended while waiting for the highway exit. It is pretty clear the other party is liable. The other car was a Nissan car and is insured by this Infinity Selected Insurance Company. The insurance company acknowledged the liability, looked at the photos of my damage, and just sent me a check. But they also said I can reach out to any bodyshop for repair. I did, and the bodyshop found more damage inside and the repair fee is a lot higher. What to do next then? The bodyshop said they will send the inspection report and photos to the insurance for an increase amount. I also think the bodyshop might be exaggerating a bit regarding their quote. Is this normal practice? What should I do to make sure the insurance don't deny the claim. It's a brand new 2025 car so I don't want to pocket the money. I just want the car to be repaired properly. Any suggestion is highly appreciated. Thanks a lot. \-- Alex PS: I live in Bay Area, CA.

Anyone familiar with this? Or the MassHealth system in general? I am behind befuddled here. Received notices over the weekend that my children’s MassHealth Standard was downgraded to MassHealth Family Assistance. Mine stayed the same. Dads was terminated. We are not married. Dad goes through the VA and does not need health insurance. He is 100% disabled through the VA but still employable ‘outside his field’. The kids have been on MassHealth for at least 7 years now. Dad got a job last year, we reported the income, nothing changed except for his no longer needing health insurance as he didn’t realize the VA was sufficient (we are required to carry health insurance in Massachusetts). I received these letters this weekend and cannot get a live person on the phone. I don’t know if I need to find the kids a new health plan or not. The letter is not clear, at all, as to what my next steps are and coverage ‘ends’ from MassHealth Standard on this coming Saturday. One of my children was born with several medical conditions and we pretty much live at the doctor/specialist. If anyone had any guidance or advice I’d gladly take it!

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.