Age: 40+ State: California Income: 0 (unemployed) tl;dr: I had some election snafu made by the COBRA management company where they just re-enrolled me in PPO which was $900/mo. I opted to go for a cheaper Kaiser option for $300/mo. Somehow I see when they fixed it, my PPO still shows covered and I have nothing regarding being enrolled in Kaiser... what should i do? Longer: So in my COBRA payment portal it shows I'm paying for Kaiser (cheaper) option and I have been paying for this coverage since the start of 2025. I haven't had to use it and I am just now needing to refill a prescription. Also, my old company switched up their insurance at the start of 2025, so even if I stayed on my PPO it would have changed providers. Anyways now that I need to refill a prescription I started looking through the docs I received and realized I never got any sort of Kaiser welcome packet but did receive a PPO insurance card, so I figured I would register on their site to see if it would let me. Surprisingly it did and the PPO shows I am covered. Now, normally I am one to do the right thing, but insurance is inherently evil... so part of me wants to go fill my RX using this PPO coverage and see what happens. Is this a bad idea? I definitely cant afford for them to go back and charge me an extra $600/mo. What do you all think?

I have auto, home owners, etc and recently applied for Long Term Care Insurance with Nationwide. I did the application over the phone with the agent, then did the (hour long) Q&A. A few days/approx a week later, I got this email from the agent "Nationwide approved your application for CareMatters II Life with LTC policy." I thought the vernacular was strange, because if an application is complete, the 'application' is approved but the policy isn't. I decided to let sleeping dogs lie and left it alone. 1+ week has gone by and still no policy. I followed up with the agent and was told "they would be in touch “shortly” with an updated timeframe". A week goes by and nothing. I called the agent and he looked in the Nationwide portal and said the policy is still processing (I don't recall the exact term he said). Does anyone understand what is going on? Is Nationwide still reviewing my healthcare records? If so, why would the agent conflate "approved your application" with the more colloquial "your policy is approved".

Renewal time is coming up soon and realized I never changed our address since we recently moved back to NY after living in RI. Well it’s going from $36 for my 5 year old cat to $60 a month. Overall she’s a very healthy kitty, the only health issue is she has asthma so I get that and I know as they get older it’s more costly cause of healthcare for them and providing services is expensive. Embrace has been great overall experience for us because we had to put one of our other cats down last year and they compensated us almost entirely but, I just wasn’t expecting because of the zip code to justify $60 every month now. Does anyone have any suggestions on our insurances if I’d be saving money elsewhere?

I was insured through United Healthcare via my employer in Texas. My employer paid premiums monthly to cover the following month’s insurance (monthly payroll). On March 12, 2025, all employees were notified via work email that we were being placed on unpaid furlough effective immediately. We were told we would still be paid for work performed from March 1–11, with payroll running as usual at the end of the month. I didn’t hear anything else from my employer until April 2, when I received a letter in my personal email stating that we had all been officially terminated effective March 21, 2025. The issue is that I saw a specialist and had exams done on March 24, unaware that I had technically been laid off on March 21. The same day I received notice of separation (April 2), I called United Healthcare to check on my coverage. They told me my insurance appeared to be active and didn’t show any indication that it had ended. However, when I checked the United Healthcare app today (April 5), it now says my coverage ended March 21, and they have denied the claims from my March 24 visit. I had no way of knowing my coverage (or job) had ended at the time of the appointment. I’m concerned my employer backdated the termination or insurance cancellation, and I’m now stuck with bills for services I reasonably believed would be covered. Has anyone dealt with something like this before? What are my options here? Should coverage have continued through the end of March? Additional information: I have since found out my employer filed for bankruptcy, without letting any of us know, and none of the employees were paid for their time worked in March 1 - 11th. Any help or guidance would be appreciated I’m unsure how to navigate this situation.

Hi all, Just got my car back from a shop. Took over a month after multiple supplements and back and forth between geico and the shop. Geico ended up being $1000 short still from what the shop wanted and I ended up paying out of pocket to get my car back. Geico said they would not reimburse me (when I brought it up), however after some research and speaking with some on reddit and the shop, they state geico will reimburse me bc of my policy with them. Can anyone provide any insight or guidance in how to proceed if this is true? Thank you

I understand this is the world in which we now live, but it appears HP has outsourced all their customer service. Thankfully I rarely have to contact them, but when I do it's not exactly for 'scripted' issues. Has anyhow had any luck getting non-outsourced CS? It used to be, "hi thank you for calling healthy paws, this is Beyonce in Houston, how may I help you?" ...but, now it's not. And Beyonce was a lot more knowledgeable and if she couldn't answer the question she found someone who could. Now it's just replies being read from a script with little to no understanding of how certain claims/reimbursements/etc. even work. It's more than a tad frustration and definitely a lot more time consuming.

My dog (cocker) is just over 2 years old, I was with Waggle before but they just keep increasing the price each year and I have never needed them for anything. No claim, no nothing & the only vet she ever needed I paid out of pocket. So decided to cancel and look at other options. I doubt I'll get lucky but is any insurance like an NHS service where I can just pay a monthly fee then everything is covered? Like how us as a human went into a hospital and It's free as we pay for it monthly I spoke to my vet who said insurance works like reimbursement where I would have to outright pay example £10,000 then claim it back from my insurance but I don't have £10,000 just sitting in my bank so how would it work otherwise? (first time doggo owner so sorry if these seem stupid asking)

Me and my girlfriend purchased a 2020 Rav 4 like a week or so before Christmas. We got GAP insurance and got Progressive insurance that next day or so. She and 2 others drivers were hit by an 18 wheeler less then a month later back in January while they were parked at stop light. The 18wheeler driver was in the CDL drivers ed program at a local community college and didn’t swing wide enough and ended up dragging our RAV4 and 2 other cars. And of course we got the worse of the damages and ended up getting totaled. We put $3K down as a down payment and paid the 1st car note like a week early. After several weeks of back and forth and getting police report correcting and etc, we are stuck without a car now. Progressive paid out enough to pay off the car and had like $380 leftover for us. Our adjustor said they didn’t need to use GAP or it wouldn’t help. Is that correct? Cause even after we can the deductible and rental reimbursements back, it’s still not enough compared to what we put in. And all that has to go into subjugation. And then he said all that won’t be processed till and medical/bodily harm stuff is settled and they will do all of it at once. I guess we are just still shocked and disappointed cause basically got screwed by an unfortunate event. But I just knew the GAP would get us back in something else. Any suggestions or corrections?

I have a 2015 Toyota RAV4 and I still owe 12,000 on the vehicle, Just got it last year. with that being said I was in an accident on 3/6 and their insurance company wants to claim the vehicle as a total loss... my question is what if they don't give me enough to cover the loan? I am pretty stressed because the accident was not my fault at all. it is going to liberty mutual does anyone have any idea?

I got a much better quote from New York life insurance for a life policy then my current State farm policy. It's my busy season of work and I was hoping to be able to docusign or just cancel over the phone. I was told I need a wet signature which means I'll have to take off a day or half off work. Part of me wants to just cancel my auto and home policies as well with them over this. Are they just being difficult with me or is this standard with State farm?