I (20F) lived in Massachusetts for a year for school, this was in 2023-2024. I was severely sick and needed to be transported by ambulance to the nearest hospital, I was 18 years old at the time (I went to the hospital in December of 2023) and was on my mothers health insurance (I still am, I am not the head/provider of the insurance). Within that summer, a bill for the ambulance was sent in the mail, because I was the one who used the ambulance, they had billed me -- however, my mother was in charge of the payment/financial bills since she is the head of the insurance and I was still in school. After receiving the letter, she had called the insurance company to resolve the issue -- of course there was some back and forth with who to contact, but it was ultimately "taken care of" (so it seemed). fast forward to now, I do not go to school in Mass anymore since I had transferred to another school within my home state. I checked my credit score (I do this every so often to make sure things are all good), and it was significantly lowered. I check to see why this is, I see that there is a "collections" that made my score go down in May of 2025. Of course, I am panicking because the bill is $2,800 and I had no clue of this until today. I have to wait until tomorrow morning to call my mothers'/my insurance company and then the ambulance company to figure this out. I am very lost and unsure of what to do, Ive had no information of this billing until today -- all from a credit report -- nothing in the mail, no phone calls, not emails, nothing. I would heavily appreciate some advice and guidance. \*\*edit: I use blue cross/shield. I check my credit score often to make sure everything is all good, I am a student who takes out student loans. This impacts my ability to do this severely. I always make my payments on time (both credit and loans). I need advice bad.

I was hoping someone might have some insight on pet insurance. I have a 2 yo pit bull who, in the last year, started limping. (At this point, we did not have pet insurance) In May of this year, we took him to our vet and they did X-rays and said most likely he has a partial tear in his ACL, however he couldn’t really tell in the X-ray because he wouldn’t stop wiggling for the pictures lol. Fast forward 6 months, he has a hard time getting around now on both legs because he’s over compensating with the other leg which I was told would more than likely happen. I plan to get the surgery for him asap. We got Pets best insurance a month later after his appointment in May and we are just about at the “6-month waiting period.” I’ve never dealt with pet insurance before. I am familiar with the fact they don’t cover “pre-existing conditions.” I fear that when we go back in January for a new consult that the insurance isn’t going to cover his surgery because we stupidly took him to the vet prior to getting insurance. I guess my question is, has anyone dealt with pets best insurance for this type of situation? How were they? Also, would anyone recommend a different insurance company? I know there are a select few that cover pre existing conditions. I feel like I totally screwed myself taking him to the vet for this before getting insurance. He’s only two and I refuse to let him suffer his whole life because of this. Thanks for any advice in advance. Picture for attention ❤️

I was in an accident 12/29. My car was totaled by my insurance company (State Farm). They called my creditor (Upstart) to get a payoff total. They gave my claims agent a “10-day guarantee payoff quote.” The insurance company sent the payment in full and it processed within 4 days. The insurance company now owns the title of the car (I’ve confirmed this twice). I theoretically should owe nothing on this loan as the quote given was paid in full and the title has already been transferred. However, the creditor is still trying to charge me my monthly payments. My claims agent said they called and confirmed with the creditor that everything was indeed taken care of and the car has been paid off. He said I should no longer be getting charged payments. I figured maybe it would just take time to process the transfer or the loan payoff but my account is now past due because they’ve tried to take 2 more monthly payments. I have called several times to dispute it (because I was told it should not be my responsibility as the loan was already paid in full!) but they just say they’ll transfer me to a supervisor and then I’m on hold for 30 minutes before the line just disconnects. I’ve emailed. I’ve called. I don’t know what else to do and I cannot afford to pay these extra payments with accrued interest and late fees but it just keeps accruing. Nor should I have to since the creditor doesn’t even own the car anymore and they got all the money they asked for. Any advice in this situation is appreciated.

Healthypaws is raising our premium to $35/month/cat, have had general cat insurance but almost nothing has been covered - their issues (cat herpes early on, recently anal gland stuff) is hardly covered or not at all. Looking at catastrophic/accident only insurance - is this worth? Do you have a company you like/hate less than all the other companies? Looked at PetsBest which is suspiciously inexpensive at $6/month vs aspcapetinsurance at $22/month for the same coverage. Any help is appreciated!

I was referred by my PCP to a physical therapist and was going regularly to appointments where I was only charged a $15 copay. However, after one of my appointments where my PT used a new technique (biofeedback training), my insurance is saying that service is denied and trying to charge me upwards of $400 for this one appointment. My insurance provider is United Healthcare. When I go to their website and try to "estimate cost" of this procedure (code #90912) it says that it should be covered by my $15 copay. However, when I called United to ask why it was denied, they said that there was a form called a PRA that they sent to my provider and it was not returned, so they didn't have enough information and denied it. I was told by the provider, my PT, that she never got this form and I also reached out to the billing department for the medical group, Sutter, to have them try and follow up with insurance or look into it, and was told that they would and I'd hear back within 30-45 days. Now my insurance is saying that, since they denied my first appeal, I only had so long to appeal that and the deadline is approaching. The "patient advocate" told me that either myself or the provider has to write a letter to United Healthcare Escalation center and ask for a secondary appeal, but was super vague on what exactly to say or write. I called back Sutter, since it had taken so long. They said they had 30-45 "business days" to review it, but they'd mark it as highest priority. I don't think I should wait for them, but am unsure what exactly I can say to get United to resend these forms that my provider says she never received. Any guidance?

I have read some prior threads for this but they are from a year ago and I'm curious if there have been any changes. Background: I have had UHC and used Optum for my specialty pharmacy for years. My specialty medication is a biologic with no generic equivalent. The manufacturer provides me with both a copay card and a payment card. My deductible has consistently been met in January every year using the payment card, and then the copay card picks up the copay for each month for the rest of the year. Situation: This year, the manufacturer payment card was processed as usual and applied towards my deductible, however, they went back a few weeks later and reversed it from my deductible. When I called them, they said nothing has changed and the payment card, as a form of manufacturer assistance, cannot be applied towards my deductible, despite that having always been the case. Based on what I have read about an HHS ruling, they are required to apply this towards my deductible as there is not a generic available. I filed an appeal and was denied. My employer plan is likely self funded, but from what I have read, that should not matter. Has anyone gotten a resolution to this issue?

Just sharing an experience that may be helpful to others. I signed upon or Trupanion about 4 years about based upon Wirecutter's review at the time saying that their increases over time were modest and product was good. When I got my puppy four years ago, the rate was $70 month. Fast forward three and a half years and my rates were $103 ( not too modest in my opinion). I just got an email saying that my rates were going from $103 to $135. That's an astronomical increase in my opinion. It got me wondering what Im going to be paying when my dog is 11 years old and he may need the insurance, $300/month? More?I decided it was no longer for me and I wanted to cancel. Customer service was relatively good till this point. But when I wanted to cancel they made it EXTREMELY difficult. I could find nowhere on the website to cancel until finally finding some back alley link that said I had to call them on the phone to cancel. Annoying... shady... but fine. I called them and waited on hold for five mins for someone to take my info. They did, then they said they had to transfer me to the cancelation department. Shock and surprise it was a 20 minute wait. When I got the agent on the phone, they needed to take all the same info again, and then I was forced to sit through a 15 minute scripted summary of why my cancellation was a bad idea and why their rate hike was justified rather than them just taking my info and cancelling the subscription. They told me if I hung up and didn't listen to the whole spiel my insurance would not be cancelled. The whole thing felt like a forced captivity last ditch effort sales pitch to keep me, rather than facilitating what it was I called to do. Really disappointing customer service. To not have an online option to cancel in today's day and age is egregious. Forcing people to to listen to a sales pitch is customer relations malpractice.

Hi all, I have an employer health insurance plan through my union and apparently a few months ago they had to abruptly change their mental health portion of my insurance plan. I am trying to get a therapist but my therapist says my insurance is not accepted because I am a part of a health concept plan but my employer who handles my insurance says I am not apart of the plan anymore and that I have anthem PPO. I’m in a constant loop of insurance saying one thing and my provider saying the other. The Union who handles my insurance tells me to tell the provider to call them but my provider uses a system to verify coverage. I’m not sure who to call or how to get this resolved. When I called anthem they transferred me to my union. When I called the union they said anthem handles that portion of the plan. I think I’ve been passed along every department now. Any advice would help.

Should I file a claim on a plumbing/mold issue in home? Long story short- the stack going to an upstairs bathroom needs to be replaced ($2,500). Realized problem when we found water in basement. Mold remediation will be $3,000. Tile wall will need to come out in bathroom to make repairs. No idea the cost of this cosmetic issue. It’s original 1959 tile, so probably a decent amount of money to take it all out and replace on entire bathroom. Our deductible for homeowners insurance is $3,000. I’ve heard horror stories about insurance denying claims (especially due to plumbing/mold), and policy premium still going up. Also trying to gauge exactly how much our policy goes up even if the claim is handled by home owners. We have the cash to do the repairs. Is it worth it to make the claim and save the money? Or not in the long run? Thanks

What are y’all thinking of doing- keep Healthy Paws for now if your premium hasn’t yet increased or cancel it now before you continue to give them money each month and they have a chance to ridiculously raise your premium in a year or two? I’ve had them as an insurer for two years. My golden retriever just turned 7. I know, these pet insurance companies get you bc it’s so hard to get new insurance for older dogs. I’m hesitant to continue giving a company my money if they treat their clients this way. The amount of premiums I’ve seen posted here in recent months is alarming.