Non-working graduate student recently approved for Medicaid, but prior to this I had purchased my schools shitty student coverage. Obviously, the coverage for Medicaid beats the school insurance. I called the school insurance and asked them if I could cancel because I want Medicaid as my primary insurance but they told me that is not possible and won't give me a pro-rated refund. I paid $2000 at the beginning of the school year for the insurance for the whole year coverage, and I figured they would be able to refund me a portion of that since I wanted to cancel, but they seemed appalled I even asked to cancel and told me to kick rocks. It wasn't even the insurer, it was the insurance broker who told me this. Am I stuck with school insurance as my primary and Medicaid as my secondary? I don't want to just stop using my school insurance and start using Medicaid as that would technically be insurance fraud? Sorry if this is a strange question; I am not well-versed in this world. Thank you for your time

Cigna denied my claim for a “periodic oral evaluation-established patient”, but approved adult cleaning (two per calendar year). This was the second examination and cleaning I got in the year. Reason for denial is “N4 - This claim is denied due to lack of information. If you would like to have the claim reconsidered, please submit the information requested” I contacted Cigna customer service twice and both agents said they didn’t know what the information requested was and provided no course of action. Who can I reach out to to understand what additional information is requested since Cigna doesn’t know?

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?

**Context:** Policy Information • Protected Since: 06/08/2011 • Current Monthly Premium: $431.58 • New Monthly Premium Starting in 63 Days: $1,207.12 Posted yesterday here: [https://www.reddit.com/r/Pets/comments/1jttro5/healthy\_paws\_pet\_insurance\_warning/](https://www.reddit.com/r/Pets/comments/1jttro5/healthy_paws_pet_insurance_warning/) *"I understand that premium increases, like any increase in something we use or pay for regularly, can be a stress financially. Our goal is to keep your premiums as low as possible while still providing the policy’s features and benefits. Premium rates are based on many factors, including the increasing cost of veterinary medicine, the pet’s age, breed, sex, and zip code. Insurance regulations require us to charge a premium that is sufficient to cover anticipated claims. Premium increases are filed and approved, where required, with your state’s insurance regulator.That being said, you do have options for decreasing your monthly premiums.  If you would like to decrease the cost of your monthly premium, you can do so by assuming more financial responsibility in the cost of your pet's health care. You can do this by increasing your pet's coinsurance and/or annual deductible.  If you would like more information on those options and what those premiums are, just let me know via replying to this email and I will be happy to send those over to you.If you would like to speak with me to review the matter further, you can simply reply to this email noting a few dates/times that work best for you, and I will be happy to call you back at your desired time. Please note that I am available Monday through Friday between the hours of 8:00 am - 4:00 pm Pacific Time."*

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 have a health plan with Aetna, and for specialist office visits, the copay is $65. For outpatient diagnostic testing, there is no charge, no copay, and no deductible applied. I went to my specialist's office for a blood test with a nurse, without seeing the doctor. A few weeks later, I received a bill from the doctor's office showing that I owe $65. I called my doctor's office, and the finance department said they billed using CPT code 36415, which is correct. Then I called Aetna, and a representative said, "Because the lab is an in-house lab at my specialist's office, if I go to a doctor's office for outpatient diagnostic testing, the $65 copay applies since I received a service from the provider." Is this correct? I had blood work done at other specialists' offices last year without seeing the doctor, and I wasn't charged the $65 copay. Did Aetna change their terms this year? Has anyone had a similar experience? Is it normal for Aetna to categorize diagnostic testing done in a specialist's office as a doctor's visit?

My wife and I recently opened a BusyKid checking account for my 8-Year Old son. We fell for the advertising for kids bank accounts online. BusyKid (BusyKid.com) advertises that they are a smart way to teach kids banking. For an annual fee of $48 (obviously high for a checking account), they have an app that allows parents to manage the child's money, set amounts they can earn for doing certain chores, etc. Kids even have the ability to send money to charity or invest in stocks. The app is fairly user friendly as well. The app i thought justified the high annual fee.... My son used the ATM for the first time yesterday. I had to show him step by step how to use it. The first question the ATM asks is if you'd like to see your balance. I encouraged him to select yes, so that he can view his balance before withdrawal. Today, we were reviewing his transaction and realized that BusyKid charges $1.00 for a balance inquiry and $1.50 for a withdrawal (on top of the ATM fee). To say that this shocked me is an understatement. I mean this company advertises that is protective of child spending. A fee for balance inquiry? My 8-year old does not have a phone. How else is he to check his balance? For whatever reason, I glossed over these fees when opening the account so thats a shame on me. But still, this seems predatory. For a company that is aimed toward minors, unneccessary fees like that is infuriating. Anyway, that account is closing today and I am going to do everything I can to alert people of this fraud of a company. TLDR: BusyKid charges fees for Balance Inquiries and ATM withdrawals to minors who dont know any better. UPDATE: I want to make clear that I take full responsibility for opening the account, and I wasnt duped into signing up. The fee's aren't hidden, quite the contrary, they are right out in the open as we were emailed a notification of the charges. It is only a $2.50 mistake, and also a little life lesson to myself and son to read everything before signing. Hopefully BK gets rid of those fees because everything else is really attractive for managing a younger kid's money.

Hello! I have a 4 year old dog and I am looking to change my policy from healthy paws. I think they're great but I hate that I have to pay for yearly vaccinations/checkups and dont get re imbursed. Any recommendations for a good insurance that has a low deductible and will reimburse annual exams which include vaccinations, possible dental care and flea meds? Thanks in advance!

My wife recently had sinus surgery, and we paid a $3,000+ hospital bill before the surgery as they said she couldn’t have the procedure without paying it. That covered the rest of her OOP max. Cigna still hasn’t processed the claim two months later, and meanwhile other bills and late fees are stacking up because her OOP max isn’t shown as being met. We contacted Cigna and they said it finally processed last week (not reflected on their website) and that we need to allow 21 days for it to go through. How do we handle this with other providers calling and threatening additional late fees? My wife wants to pay but I think we should wait for the claim to go through.

Any tips on companies offering good pricing? Progressive is charging me $250 monthly - zero accident history or violations in 7 years - 29 year old male, 2016 Camry )