I have UHC and while taking care of some things on the phone with a representative I asked a question out of curiosity which was just my confusion that sometimes when I get my botox for migraines my provider has me pay nothing and I get the bill later, other times I just have to make "a" payment and then get the bill later. When I say get the bill later in both cases I mean after the claim has gone through insurance I then get the billed amount I owe, and the portal for UHC updates with my EOB (I use the EOB to apply for a savings program to be reimbursed by a third party). My most recent appointment however they made me pay the full amount of botox up front otherwise they refused to treat me. I am disabled without this treatment so I just found a card with enough money on it and gave it to them. The insurance representative told me they aren't to make me pay more than a voluntary small amount of my choice if I want to, and that they aren't supposed to deny me my treatment that they approved. She told me to not pay next time and if they push back to call United and get a representative on the phone. My mother used to work medical scheduling however and she insists they can make me pay whatever amount they want and reimburse me later. I am thinking my mom might be more right but just want to hear it straight. For the record I am in the (slow) process of changing migraine treatment providers for a number of reasons related to poor communication or miscommunication.

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)

Hi, first time reddit poster, hoping for some advice. I got a new, much better paying job in Oct. Of 2023 and no longer needed food stamps or medi-cal. I updated my information in both systems (so I thought). California food stamps was difficult because it wouldnt update for some reason so I finally called them and told them to take me off the program. Now, flash forward to 2025 - I've received a letter in the mail saying I got renewed for medi-cal. I did not get this letter last year. And I haven't used medi-cal since I got my job. I checked the website and it still has my old jobs. I've had state medical insurance in Illinois and never ran into this kind of issue. What would be the best course of action to fix this? What kind of penalties could I face? Any suggestions would be greatly appreciated. I haven't updated the application on the website yet, I'm waiting to give them a call on Monday.

Location: Georgia I rented a car in canada, but am a US citizen living in Georgia. The rental company (Turo) is claiming damage that I did not cause and wants me to pay. They say if I do not pay they will “send it to collections”. The company does also exist in the US, but since the rental was in canada, do they have any ability to try and collect from me?

Currently have metlife and i’m not happy. I pay $100/month for 3 of my cats. Theyve been putting me through hell & back for MONTHS over a claim I submitted for a $12 medication that will only go towards my $500 deductible anyway, every few weeks they ask me for more paperwork and information, now they want a handwritten letter from my vet explaining WHY my cat needs this medication. It’s always something new and im over it atp and realize if something ever major happens to my cat are they even gonna cover it? cause it soundd like not and i’m wasting my money.

I got involved with them on my 18th birthday, which was in November. I left at the end of December and told them I was moving to Houston. I got the life insurance policy when I joined since it was required, and I canceled it yesterday. Today, I got a call from the agent who recruited me. I told him I couldn't talk, but he said the contract required me to keep the life insurance policy for 17 months. I hung up, blocked him, and called my cousin since he also joined at the beginning of 2024 (recruited by the same person) and left shortly after. He canceled his policy as well. I told him about the call, and he said the agent called him too when he canceled his policy, telling him the same thing. He told the agent he didn't want it, and the agent said he would be sent to collections or something like that. I don't know if that's true but I don't know what to do.

A few years ago, I co-signed with my ex boyfriend, we were dating at the time, on a 2019 dodge charger scat pack. We had a verbal agreement that he would be responsible for the payments. He got very behind on payments to the point it got repossessed. His dad paid to get it back so they could sell it since he couldn’t make payments. In September, it was stollen in Memphis (has video proof and police report) and never recovered. He filed a theft claim with his geico insurance but since I’m not on the policy they won’t give me any information on the status of the claim. My ex also isn’t being cooperative and won’t respond to me with any information either. The auto loan still hasn’t been paid on. On April 1, the auto loan lender, Capitol One, said they will pursue legal action against us. I’m considering bankruptcy as a last straw possibility. I’ve tried everything I can think of and I just don’t know what to do now. I’ve been trying to contact lawyers in my area but they either say they don’t do that kind of law or there’s a wait to hear back from them.

Hi all, I’m in a common and frustrating position revolving around paying for health insurance. Here is my situation. I work part-time and go to school part-time, so I don’t qualify for full-time benefits for work or any equivalent part-time healthcare offers in Michigan So that’s the first part. I gross about $600 a month working and my healthcare premium is $650 a month alone for BCBSM HMO Gold plan. It just is not feasible to pay that much for healthcare anymore- especially, out of pocket in full. What I do have is Medicaid and CarePayment accounts that help me cover the costs and pay down medical debt in a reasonable time frame. I need some coverage because I have a mental health condition and commonly use: medications, psychiatry, therapy, and labs. I am wondering if I can get by just with MI Medicaid. Is that risky since Medicaid has very low reimbursement rates? Or is it reasonable to go with Medicaid and just try to be frugal medically? What I want to avoid is going for routine procedures and leaving with a $1200 bill, AND paying $650 a month only to use it half hazardously. Thanks.

Just received notice of my policy increase for my healthy paws plan for a 4 yo dog. The new premiums are already beyond what I’m able to afford, but now they are going to raise the plan $10 more per month due to an address change. They did this last time we moved and said the new state was more expensive than where we lived previously, now we moved back to our old neighborhood and somehow it is more expensive than the previous state they said was more expensive than this. I’m frustrated because it seems like we are being penalized for moving, and now the plan is double when we started. Basically, it’s already stretching my finances, and I’m concerned about sustainability at this rate and how much they raise the policy every year. We barely hit deductible as is and only hit it once or twice in the life of the policy, never gotten much back in claims, thankfully (glad to not have had crazy issues yet, knock on wood) At 4, dogs can start to have other issues, and I’m concerned that other plans might have preexisting condition policies and not cover if other issues develop and we don’t switch in time. Any advice or other option recommendations? I like healthy paws because they are easy, generally pay the policy claims very fast, and I trust that their coverage will last. But given the costs, I’m not sure where too go from here.

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