Is it even legal for Healthy Paws pet insurance to increase premiums at almost 200% in CA? This is outrageously high!! Anyone experiencing the same? #healthypawspetinsurance

Their advertising is downright misleading. Your premium does not go up as your dog ages. Sure, it does not, they find other mumbo jumbo to achieve the same thing. My premium has gone up 40% over the first two years (our boy was signed up as soon as we brought him home). Before deciding on Trupanion I did fairly extensive modeling based on real time quotes from them and their competitors. Trupanion came marginally ahead IN THE LONG TERM despite having substantially higher upfront premiums. The price increases I have experienced make the previous analysis null and void. I am looking for an alternative. Could people. With long term experience (ideally senior dogs) comment on possible alternatives? Thanks

Hey all! Back in 09/03/2024 I had gotten into a car crash without insurance. I am a 20yo Corrections officer, and when the crash happened I hadn’t got my first check yet, so I didn’t have any money to get insurance then. The car in front of me ( a businesses car) slammed on their brakes going 50, and my bald tires slid my small civic into their bumper. We both got out, and inspected the damage, there was no dents, and barely a scratch on the other guys bumper. I told him I didn’t have insurance, and he said, it looks like nothing happened so he should be fine, but because of the crash detection he’d have to tell his boss about it. Ever since I haven’t gotten a single piece of mail, Email, etc, about the accident. Today I opened a piece of mail, that stated bell subrogation services were trying to get me to pay 2989$ for an accident that 100% didn’t cost that much to repair. What should I do? I know nothing about stuff like this and have well under 2989 in assets and cash on hand.

As the title says I'm in a little bit of a rough spot, and am looking for some outside advice. I moved across country for a better paying job and saved up for a house. After putting over 50k down on a house priced at 240 with about an acre of land. I thought I did okay, I knew the house was a little older and would need some updating but I thought I was saving money in the long run and that it would be a good investment considering the area. Went through a realtor, had the house inspected, did all the normal things. But immediately things went wrong. Within two weeks of owning the house, the detached garage had a major leak and I had to get the roof replaced. The inspector refunded us our money but said that he wasn't liable beyond that. Several lawyers told me there wasn't a good chance I'd get anything and it would just be cheaper to eat the cost of the roof. So I did. Had to replace almost every appliance and toilet in the home because they all started to fall apart within the first six months. Again just figured it was my bad luck and there wasn't anything I could do. Fast forward to a month ago and just before the year anniversary of buying the home, the entire finished basement flooded. Insurance said since it was ground water that it wasn't covered. Turns out there were some big foundation issues that I have now spent over 20 grand to fix. Again insurance said that foundational issues are considered " normal wear and tear" and so not covered. After starting the repair process on that I've discovered a whole slew of other issues with the home that was hidden behind finished walls. And with my never ending good luck, I had a gas leak in my furnace that I found the other morning. I have turned the gas off to the furnace until I can get someone to repair it. The problem is I am already well over 100k cash into this house and I've only had it a year. Idk how much longer I can keep this up considering I'm basically bled dry and I haven't even fixed anything beyond the foundation yet. The wife wants to sell the house after we fix it all up and just get out, but I'm worried that we won't recoup anywhere close to what we have in and will be stuck back in apartments again. I'm not sure what to do or how to move past this place. Has anyone been in similar situations? Is there light at the end of this tunnel or should I bail and just accept the loss of all that money? Any advice would be appreciated

Healthy Paws just raised our pet insurance to an extra $100 a month out of no where! Has anyone else gotten a huge rate hike like this from them? This is Absolutely ridiculous.

I’m really hoping someone who works in medical billing at a dentist office can help me understand this. For context, I have Cigna Dental PPO. I had an oral consultation today that cost $167. The oral surgeon said I definitely need the bottom ones removed, but said she isn’t worried about the top ones. Then here is an image of what I was quoted after. They said I would either be paying $5809 or $3789 depending on what my insurance says. She didn’t sound confident in what she was saying and was speaking to someone else prior. Then, they tried to make me schedule it with 50% down as if I have $1800-2900 just laying around. I could barely afford the consultation fee. I’m I being got or is this how much people are paying to get their wisdom teeth removed? I’m so lost…

I see a lot of hate on this device. Much of it is deserved, but I think the biggest issue is that most people are using the app and not the plug-in device. I’ve had my current one for three months and have a perfect score. I used it on another vehicle and got 30% off my premium. It’s not a “scam” as many call it, well not precisely. Progressive does want you to fail. If you live in the middle of a large city and you drive in rush hour traffic every day – I would not recommend getting it. Find cheaper insurance. Again, NO ONE should EVER use the snapshot app. It monitors EVERYTHING. Please don’t use it. The plug-in device ONLY monitors how hard you brake, how fast you take off (press the gas) and time of day. There’s no gps on the device. It doesn’t know if you’re speeding or if you’re using your phone. Here are tricks that work for me: 1) You have to pretend like you’re driving on ICE. Pretend the road is covered in black ice the whole time and drive accordingly. It’s anxiety-inducing, but it actually works. 2) Every single move you make with your car needs to be endlessly thought out: your route, all the stoplights on your route, traffic, times of day. 3) You have to stay far behind cars. Watch every car in front of you like a hawk. You basically have to look at each car as if it’s going to pull in front of you or brake hard. Expect it. 4) You need to take the back roads. If that’s going to delay you, leave early. 5) One of the riskiest parts are stop lights. That’s why you try to avoid all major roads. 6) Don’t drive late at night. Take an Uber. If your job is 3rd shift, don’t use the device. 7) Use another vehicle if you have one and use the snapshot vehicle twice a week to go somewhere near home or somewhere easy to get to. 8) Buy a “this car is monitored by GPS” or “student driver” magnet or sticker so that you get less road rage from people. This is what’s helped me. Hope it helps you. Remember: THE ROAD IS ICE. Make it into a game if you have to.

I am 21 and the oldest “dependent” on the insurance aside from my parents, we are under Molina/Medicaid. We are a family of five, with 2 minors in the home, our ages are: 50s, 50s, 12, 16, and 21(me). My parents file taxes together for a sole proprietor business that they own. Earlier in the year, we renewed are insurance and everything went smoothly and we opted to enroll in the system where Molina automatically enters your tax information for you that they receive from the IRS. My parents typically make ~80-90k combined, but after business expenses, taxes, and bills, they only bring home 30-40k a year. Basically, our family lives off of the 30-40k, NOT the bigger number. This hasn’t changed at all in the past few years, nor has it been an issue for our insurance. However, this year, we received a notice in the mail that none of us are eligible to stay on the insurance and that our insurance ran out on March 31, 2025. While I’m planning on calling Molina soon, I did see that it states that we made nearly 90k, when that isn’t the case. I think this may be an issue from the automation system not taking the accurate data for us. Does anyone else have similar issues or can explain my situation? Edit: my parents’ adjusted gross income is 30-40k for those who may be confused. I’m sorry if I didn’t clarify earlier Edit 2: I figured out the issue. I got off the phone and it turns out they never received our tax info, so we have to reapply. We’re planning on visiting our county insurance office and they just need some proof of income. Thank you for the comments!

Hello, I have a few questions how to handle my PCP or Labcorp messing up with my insurance details. I had a bloodwork taken at my primary care and apparently they sent it to Labcorp. But Labcorp billed my insurance with the incorrect details apparently - my name and Member ID, group number are wrong. I got a mail in Feb asking for insurance details but the return address was not online on their website, so I thought it was phishing. I called the Billing department and asked them if they needed my insurance details, and they said "it is pending with insurance and there is nothing you have to do but wait". I don't have this call recorded. Today I got the invoice number and it says the below: "Reason for Bill: We attempted to file a claim with insurance. According to BLUES NJ: HORIZON BCBS, the patient name or subscriber number did not match their records. This balance is now the patient responsibility" I don't want this to impact my credit score but I don't want to pay $1000 since my PCP or they made mistake that I had nothing to do with. I will call them tomorrow morning but I have a few questions. 1. Since they dumped the responsibility on me, can I sort of force them to refile with insurance? What do I do if they refuse? 2. How long generally do I have to sort this out (not paying) so it doesn't impact me. Thank you for taking the time to read this. I'm just pretty pissed right now so apologies if I sound rude.

If this is legal it sure ain't ethical. I'm not often stunned by capitalism and greed but JFC. This is shameful. I feel so f'ed.