Hey everyone! Fetch just sent us our plan renewal and it's quite a bit higher this year. I'm looking to switch while my dog still is quite healthy. She's a 9 year old scrappy terrier mix, and has one pre-existing condition of a femoral head removal before I got her (which was pre-existing for her current policy as well). She's also broken several teeth over the course of several years, which was covered with Fetch, but I'm worried it might not be with other companies (even though those were accidents and not conditions). Is it worth it to switch at this point? I'm seeing some decent slightly lower quotes at Lemonade, Pets Best, and Embrace. But basically every company out there has a post on here bemoaning said company as a "scam." I'm looking for accident and injury coverage with a high max payout of $15,000 or more, deductible of $250-500, and no add ons.

Long story short. I brought my car into a NJ location while on business (I'm from Maryland) to get a pair of front driveshafts put into a 2013 Mercedes Benz GLK 250 and they didn't remove one simple little circlip that held one of them into the oil pan underneath the motor. (it's AWD). They proceeded to beat the ever living daylights out of the drivers side front driveshaft to the point that it broke the shoulder that held that circlip, and therefore the driveshaft, into the oil pan. I had to tow the car six hours home and had to have the drivetrain completely removed from the car so that the oil pan could be replaced. It was professionally done and I have all of the old parts to prove my point. The car is now fixed and, at minimum, I am out $7k. Firestone, the corporation is based out of Nashville, TN. How should I go about finding a lawyer that is based there? Or does it matter? As a matter of principle I am not letting this go.

I’m in Illinois and have a pickup truck and a minivan. I also rent a house from my in-laws. I have State Farm for my policies and they have been going up and up and up the last few years. My coverages are standard and I have no claims or tickets on record.

Has anyone had their Geico premium suddenly jump after switching from pay in full to monthly payments? I changed the billing method thinking it would just add a small fee but then got a new declaration with a much higher rate of 25% increase. Support says it was unrelated and just part of a regular rate adjustment but the timing feels off. I didn’t change anything else in my policy and my neighbors didn’t see any increase. Curious if others experienced this or if it’s worth escalating.

This is a weird problem to have. My therapist is not in-network (I have United Healthcare/UMR) so I pay her and submit the bill to UMR for reimbursement. For about a year, my insurance has usually said she is in-network, and reimburses me for about 50% of the cost (100% of their "adjusted cost" which is half of what I actually pay her). I mentioned it to her but she said she has never been in-network, which I believe - it would be pretty dangerous for her to try and take payment from both me and the insurance company. So I figured it's fine, if my insurance says she's in-network when it comes to reimbursements then I'll believe them. The reimbursements this year are now 95% of the actual cost (so they're paying me back more now). And I'm really starting to wonder, is it my responsibility to say something to the insurance company about this? Is there a chance that they ask for some of this money back later? Thanks for your advice

My pet insure Nationwide discontinued our pet policy. My dog a 4 year old Labrador has preexisting allergies. Trying to find the best pet insurance. Any ideas? Our vet does not use Pet Assure. Update: Nationwide reinstated my policy but only at 50%. I will take it since my dog has allergies.

I had a fsa in 2024.. before the plan expired I submitted two big expenses that were “authorized”.. however, money never got deposited to my account. Now they are saying the claim was valid but the amount was paid toward “unverified” receipts. Now that the plan year is closed they are refusing for me to submit receipts. The claims that were “unverified” were hospitals and doctors. Is this normal? Anything I can do? This is over $1200 in lost money

This might be a doozy, but here I go. Thank you advance. I decided to get my own insurance (so my insurance wouldn’t be tied to my job in the event of job loss). I searched in marketplace. I entered my criteria to find a plan that covers my PCP, my daughter’s pediatrician, and my medications. Marketplace found me a plan that covers it all and I enrolled in December to start in January. Today I had an appointment with my PCP. As I checked in, I handed them my insurance card, and they let me know he was not in network. Which is WEIRD considering I made sure I picked a plan that he was in. I left and called my insurance. They told me he was in network. They confirmed his address and phone number - it was incorrect. It was his old hospital from over two years ago. I gave them the new information. She left me on hold for a while and came back and apologized, saying he was NOT in network with my current plan. She said since I got my insurance through marketplace, I need to contact them. So she transferred me to marketplace. I’m now on the phone with marketplace. I speak to the representative (who was clearly in a bad mood) and he had no idea what was going on so I had to explain the situation again. He put me on hold and when he comes back, he says that he’s not sure why I’m talking to them when I should be on the phone with BCBS. I told him that I got insurance through marketplace, and I only picked my plan because it was in network with my doctor, which was clearly incorrect! He said that I was not entitled to 100% accurate information on marketplace and it was my duty to double check to make sure my doctor was in network. Which, according to BCBS, he WAS! At his OLD PRACTICE. From two years ago. And he is not now. I asked about changing my plan so I can actually see my physician and he said open enrollment was over and I would have to qualify for special enrollment which we could not do today. He told me to call BCBS again. I call BCBS again and the new CSR I spoke to was even worse. She basically told me to call marketplace. I told her what they told me and she said that was incorrect information and it was up to them. I am on the verge of tears right now. I’m playing this back and forth and I don’t know what to do. Do I make a complaint with marketplace? How do I go about it? None of this is my fault but they’re either blaming each other or blaming me. I just want to see my doctor, man. TLDR: got insurance, was told he was in network, turns out he isn’t in network because of incorrect address on file, and now I’m trapped in a limbo with BCBS and Marketplace and no one is being helpful. ETA - unsure if this is relevant in this situation, but I am 32, in Oklahoma, and gross income is over 100k. Maybe 140.

I recently took my cat in for a mouth surgery to remove an infected tooth. The bill came out to be almost $600. Since I wasn’t enrolled in the wellness rewards it only covered $108 after a $200 deductible. When I pay $130 a month for both of my cats. When I first got this it was $60 for both of them and it has now doubled over the years to only cover a 1/6th of my cats surgery? I can’t believe it. Any recommendations for any pet insurance for my cats? They are pretty healthy overall indoor cats, I just like to keep this for my peace of mind in case anything happened but with this recent increase year and now this, I can’t justify embrace.