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$.

So I moved to the US from Europe over a year ago and have been using progressive since they insure people without a state license (I live in MA). I paid 1200 dollars every 6 months until just now when I spoke to my friend who also moved here at the same time and he paid way less on a much newer muscle car. I call progressive and they do a reqoute and my policy gets cut in half and I now pay 640 every 6 months. I feel like they entered some wrong information the first time around - do I have any recourse for them to pay me back if they misentered information the first time around? Of course I accepted the payment and condition so maybe there's just nothing to do. My friend who I compared policies with has the exact same coverage and started off at the much lower rate of \~600$.

In early 2024 I made an appointment to start seeing a therapist, specifically one that my insurance (Cigna) listed as one accepting EAP. I called the office and confirmed with them they do accept EAP, so I scheduled an appointment. My six EAP covered sessions ran out around September 2024, so I called my insurance, got a new code for six more covered sessions, sent it to the office by both text and email (and also over the phone to confirm it was correct). Come March 2025, I’m on my last of the second round of therapy sessions covered by EAP. I check in at the office for my sessions, and they tell me an owe around $300 for my last several sessions. Confused, I tell them that EAP covers my sessions aside from an establishing bill of like $69 once a year. The office tells me they do not accept EAP and that I’m overdue on my bill. I have never been told, in all the times I physically check in for my appointments (I never do virtual) that I owed anything. This is the first I’m hearing about it, or that they do not accept EAP because I confirmed when I made the very first appointment that they did accept them. Hell, I had called to give codes for each batch of six sessions. Now, if they had told me this sooner, I would’ve stopped going to find someone else. Not a big deal, it’s their business and they are allowed to handle it however they want. But it feels really shady to suddenly spring a mystery bill on me and say I’m overdue for the last six sessions. They had six months to tell me when I came in or email me or call me. I showed them all the proof of me contacting them (I always leave paper trails) about the EAP codes and confirmations it was accepted. The legal advice I’m seeking is, is it legal for a provider to do that, suddenly stop taking EAP and secretly bill you without informing the patient? I’m assuming they will drop my bill once they review my evidence, but if not, can I legally ignore that bill (if it even comes my way at all)?

Back story: I have purchased health insurance via the Marketplace (I'm in OR) for the past 4 years, same company, same plan. Expensive but I use a LOT of health care. This year the increase was substantial - $990/mo just for me -gulp- I knew there was a 90-day grace period to pay for the marketplace plans, and I (out of need, not playing games) basically went as long as I could without paying because it's sooooo expensive to afford and I am currently in a "borrow from Peter to pay Paul" situation. I *thought* I paid in full by the end of March - I had a major surgery April 7 that had been prior-authorized, etc. Then when a friend went to pick up my post-op medications the pharmacist told her my plan had been cancelled. Finally managed to get through to the insurance company and lo and behold, I was exactly $117 short of what I needed to pay for the full three months. So not only did they drop me before my surgery, but are actually dropping me retroactively to 1/31/25 and sending me my money back. Despite much pleading on the phone to the insurance company (Pacific Source), they are telling me that because I purchased it on the marketplace they can't do anything at all to help me. Marketplace says they have no idea how they could help. a) it's only $117 short out of >$2000 of premiums and b) we're talking 10 days past the due date, not like 30+. Does ANYONE have any ideas here??? Not only do I need to have this VERY EXPENSIVE surgery covered (it's going to be well over $50k), but I will need follow up care for the surgery as well as all of my health care needs this year (ie I take a biologic that costs $8k/mo). I'm literally panicking here....and no idea where to go for help or what to do. Any ideas????

Hey everyone, I got my renewal for petsbest for one dog. i'm kinda anxiously waiting appeals for my other dog (unspecified dates in medical records lead to them assuming prexisting conditions unfortunately about some anxiety) and over 11k in other claims (she got a GDV and pancreatitis) that i'm now terrified they will deny somehow. trynna work that out, hoping for the best but anxious af. TLDR the notes were vague about doses I tried and didnt say when i tried them, so insurance assumed before the waiting period bc I used traz/gaba from my other anxious dog at first bc I didn't wanna waste drugs (dumb on my part, but both dogs are on the same insurance so they def know which drugs i've got lol) My renewal for my dog number one went up from $725.49 to $1,032.08 come January 2025. it's egregious IMO. However, my dog has various medical conditions (sep anxiety, IVDD, hip dysplasia, urinary incontience, allergies) so no shot at switching insurances and it makes zero sense IMO. They've paid out 4.2k in medical expenses for him this year! I'm considering maybe increasing the deductible- how did y'all go about deciding if you should or shouldn't do this. All the above prices were for 90% 250, 90% with 500 **$736.20/yr**, 700 with $621.05/yr, 1000 with $448.44/yr. I'm so conflicted. I know he's gonna easily reach 2k in rehab, apoquel, immunotherapy, anxiety meds thru the year. Anyone have any advice?

Got the new 2025 Auto Insurance invoice from Erie Insurance. The only thing I can figure is one of my adult sons hit an unknown object lying in the middle of the turnpike late at night that resulted in some damage to one of our cars. It wasn't anyone's fault and Erie ended up paying out about $3,500 for repairs. But I don't think that justifies such a huge rate increase for each vehicle!!! **Anyone else get huge price jumps from Erie Insurance?** \_\_\_\_\_\_\_\_\_2013 Accord| 2010 LaCrosse| 2013 Sienna| 2021 Accord| 2017 Accord| 2024 Cost|        $ 436.00|        $ 207.00|        $ 326.00|        $ 368.00|        $ 371.00| 2025 Cost|        $ 634.00|        $ 337.00|        $ 733.00|        $ 699.00|        $ 596.00| % Increase\_\_\_\_\_\_+45%\_\_\_\_\_\_\_\_\_+63%\_\_\_\_\_\_\_\_+125%\_\_\_\_\_\_\_\_+90%\_\_\_\_\_\_\_\_+61%

My monthly premium with Embrace was $54 a month and I just got a notice it will be $93 a month. This is an obscene increase. My pet is an almost 8 year old male cat I have had since he was 2. He has been in great health with no issues. I’ve had embrace since I got him. Should I get new pet insurance? I’ve seen really mixed reviews about embrace being a scam. There is absolutely no justification for this premium increase in my opinion, but I’d like it get other thoughts.

Bought my home back in 2018. My mortgage company chose Berkshire Hathaway and they paid them through my mortgage payments so I didn't pay BH direct. I got notice last week that my policy will be cancelled end of September. Do I need to shop insurance myself or is that up to my mortgage company since they have vested interest in my home? Can I tell my mortgage company what company and policy that I want?

Hi Few years ago I had Vodafone broadband which was absolute shite, i had numerous engineers out to try fix the issue but they didn't fix it so I decided to cancel the direct debit and go elsewhere. I've been paying the amount back to BPO on a payment plan which isn't long off done ive made my own payment notes as I don't trust these people. Today I've opened a letter from BPO who say Vodafone has passed them the debt and I need to contact them to make repayments, the amount is also higher to what I had left What annoys me I've been paying these clowns for over 11 months and after checking my standing orders it shows it's still set up and is being paid every month the reference number is the same on my standing order to what's on the letter today What do I do ignore them or email them ? Location: UK

I noticed on my renewal for my auto policy with Progressive that I was listed in tier 3M. Google told me this is a high risk tier, but I have been driving for many years, have a clean driving record, and no claims. I am, based on my driving record and insurance history, a low risk driver. Is this a high risk tier? Does anyone know how these tiers are assigned? If I am incorrectly assigned to the wrong tier, how do I fix that?