Oh no, not my beloved private insurance that doesn't cover anything
πŸ‘︎ 99k
πŸ“°︎ r/facepalm
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πŸ‘€︎ u/lucynyu13
πŸ“…︎ Dec 29 2020
🚨︎ report
LPT: Get pet insurance. I had a $3k bill for my cat's overnight vet stay a few years ago. Now, I just pay $25 a month and they cover $5k in injury/illness expenses a month

There are plenty of providers out there, and they can also offer preventative care insurance. I personally go through ASPCA, but shop around. It could save you a lot of grief in the long term, and can save your animal too.

I especially recommend this for people who couldn't handle an overnight $3k vet bill. Budget out the $25 a month instead because, at some point, you'll need it, and you never want to be in the position of picking between your wallet and your pet.

Edit: $5k in illness/injury a year. Sorry for any confusion on that front.

Edit 2: To address all the naysayers who say "just save up instead". I think it's better to say that if/when you have the savings to handle $5-15k in pet expenses, you can go without insurance or cancel. Until then, it's better to carry it, at least to me. There are plenty of examples in the comments of pets getting hurt in the first year and insurance coming in for the save.

Everyone should obviously analyze their own situation. The "just save up instead" attitude falls on its face if your pet gets hurt or sick in the first 5 years of the "save up" approach and those savings aren't enough to cover it.

Edit 3: Lots of love to Healthy Paws insurance from people in the comments. I'll probably switch to them in the new year based on people's experiences here.

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πŸ“°︎ r/LifeProTips
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πŸ‘€︎ u/Topuck
πŸ“…︎ Dec 25 2020
🚨︎ report
Never broke a phone before I’m my life, first day I get my new one with no insurance I drop it 4 feet and this happens
πŸ‘︎ 32k
πŸ“°︎ r/Wellthatsucks
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πŸ‘€︎ u/AellyA
πŸ“…︎ Dec 29 2020
🚨︎ report
"You can't "pass through" another country, break a law there, and then claim you're not subject to that law because you were just "passing through"." LAOP is shocked that they got a ticket for driving without insurance, for driving without insurance in a province that requires insurance reddit.com/r/legaladvice/…
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πŸ‘€︎ u/anestezija
πŸ“…︎ Jan 08
🚨︎ report
I (24F) told my mom I was filing my taxes independently this year (she falsely claimed me as a dependent last year which I didn’t realize until I didn’t get a stimulus check) and this is the result. I’m on her insurance and family phone plan but pay all my other bills on my own and live alone.
πŸ‘︎ 15k
πŸ“°︎ r/insaneparents
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πŸ‘€︎ u/Phoenlex
πŸ“…︎ Jan 04
🚨︎ report
Delaware Shelter Where Joe Biden Adopted Dog Major Hosting 'Indoguration' for Rescue Canine. The virtual event, co-hosted by Pumpkin Pet Insurance, will celebrate Major's rise to First Dog and will also raise funds for the Delaware Humane Association's lifesaving work. people.com/pets/joe-biden…
πŸ‘︎ 37k
πŸ“°︎ r/UpliftingNews
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πŸ‘€︎ u/Sariel007
πŸ“…︎ Jan 07
🚨︎ report
Amazon is now selling prescription drugs, and Prime members can get massive discounts if they pay without insurance businessinsider.com/amazo…
πŸ‘︎ 63k
πŸ“°︎ r/technology
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πŸ‘€︎ u/HayashiSawaryo
πŸ“…︎ Nov 17 2020
🚨︎ report
Harvey Ross Ball invented the smiley face in 1963 to create a morale-boosting icon for insurance employees. He was paid $45 for his 10 minutes of work. πŸ™‚
πŸ‘︎ 15k
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πŸ‘€︎ u/TheAdroanzii
πŸ“…︎ Jan 08
🚨︎ report
YSK: If you're in a car accident and you have a child car seat in the back, even if it doesn't look damaged, you should still report it to your insurance company. They will reimburse you for the full amount. Safety first.

Why YSK: Car seats are expensive and usually extremely safe. Even if your child car seat takes no damage during an accident, your insurance company should still replace or reimburse you for the full amount.

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πŸ“°︎ r/YouShouldKnow
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πŸ‘€︎ u/Oneiric19
πŸ“…︎ Dec 31 2020
🚨︎ report
Is life insurance really worth it?

My financial advisor is trying to talk me and my wife into life insurance. We are late 20s, no kids, so he says we can sign up for term and then later roll it over to full life. From what he told us it sounds like the whole life policy would turn into an investment. I don’t really see how this will be all that beneficial. Why wouldn’t you just invest elsewhere. I have another meeting with him soon so I’ll ask him about it again but I wanted another opinion on the topic.

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πŸ“°︎ r/personalfinance
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πŸ“…︎ Jan 03
🚨︎ report
ILPT: If your going to slash someones tires only slash 3 so insurance doesnt cover it.

Also only break 1 headlight and 1 tailight

πŸ‘︎ 3k
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πŸ“…︎ Jan 11
🚨︎ report
The insurance company will not believe this v.redd.it/ucybdiot86a61
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πŸ“°︎ r/yesyesyesyesno
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πŸ‘€︎ u/FoxBearBear
πŸ“…︎ Jan 08
🚨︎ report
ILPT If you're a male label your gender as non binary or female for your car insurance mine went from 240 down to 135 a month.
πŸ‘︎ 15k
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πŸ‘€︎ u/lucky4311
πŸ“…︎ Dec 09 2020
🚨︎ report
The insurance company isn't going to believe this v.redd.it/ucybdiot86a61
πŸ‘︎ 10k
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πŸ‘€︎ u/gentleomission
πŸ“…︎ Jan 09
🚨︎ report
AOC: Insurance groups are recommending using GoFundMe -- "but sure, single payer healthcare is unreasonable."
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πŸ‘€︎ u/kevinmrr
πŸ“…︎ Nov 29 2020
🚨︎ report
[Serious] Americans who have been treated in hospital for covid19, how much did they charge you? What differences are there if you end up in icu? Also how do you see your health insurance changing with the affects to your body post-covid?
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πŸ“°︎ r/AskReddit
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πŸ‘€︎ u/AnnoiaErris
πŸ“…︎ Oct 24 2020
🚨︎ report
Trump supporter: "I wish Bernie had won the primary because my wife's losing her job/insurance which is Biden's fault somehow"
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πŸ‘€︎ u/salamiObelisk
πŸ“…︎ Nov 09 2020
🚨︎ report
ILPT: Name all your kids the same as you or your SO. As they get older you can share and swap IDs - share insurance, club memberships, take exams, pick up prescriptions and alcohol, complete traffic school or community service, etc.

If you have a kid that doesn't have at least a vague family resemblance, put it up for adoption and try again.

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πŸ‘€︎ u/kingofmoron
πŸ“…︎ Dec 31 2020
🚨︎ report
'This is inhumane': Top Democrats erupt with criticism over the possible inclusion of $600 checks at expense of unemployment insurance in the next stimulus package businessinsider.com/democ…
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πŸ“°︎ r/politics
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πŸ‘€︎ u/Twoweekswithpay
πŸ“…︎ Dec 17 2020
🚨︎ report
Imagine needing health insurance and relying on the generosity of random strangers conjointly. The system is broken.
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πŸ‘€︎ u/Kloudkicker12
πŸ“…︎ Dec 09 2020
🚨︎ report
I'm begging someone to explain how health insurance works

I apologize for how ignorant I'm going to sound. I literally don't know how this shit works.

I am a college graduate who comes from a family who has never had insurance because of affordability. I really need to go to therapy and I'm looking into coverage from Blue shield. My job is offering to pay part of the premium. The only plan that is semi affordable that covers counseling has a 2200 deductible.

You're telling me...that i'm paying every month to have insurance that does nothing for me, until I pay 2200 out of my own pocket? THEN, I will pay monthly, and pay a co-pay, until the next year comes around and I have to pay 2200 AGAIN? What is the fucking point? I will never use up 2200 worth of therapy before the new year comes around. By the time I do, it will literally be time to pay 2200 again. Please tell me if I'm understanding this right. I probably sound like a stupid, sweet, summer child but I'd rather ask and look dumb than be in the dark on this. Thank you.

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πŸ“°︎ r/internetparents
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πŸ‘€︎ u/majorasmask101
πŸ“…︎ Jan 11
🚨︎ report
Police found my stolen bike four months later, and now I see why people recommend not buying it back from your insurance.

My CB300F was stolen back in August. Local cops found it in December, just ten miles away from where it was stolen. I'd long since gotten an insurance payout and a new bike (and a new apartment that isn't in a shit neighborhood), but thought it'd be interesting to see what condition the bike was in. Maybe the assholes who'd stolen it at least took care of it.

Edit: Imgur is shitting the bed, how surprising. Just look at it here https://www.copart.com/lot/59672970/2016-honda-cb300-f-tx-ft-worth

No idea if the cops arrested anybody, they probably didn't, and it's too bad because the people responsible for stealing the bike and ruining the bike deserve the gallows.

Chain up your rides, get an alarm system, sleep lightly and have an elephant hunting rifle or a 2x4 with nails sticking out of it if you don't want this to happen to you!

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πŸ“°︎ r/motorcycles
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πŸ“…︎ Jan 01
🚨︎ report
A health insurance group recommending a GoFundMe as an official policy
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πŸ“°︎ r/ABoringDystopia
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πŸ‘€︎ u/Oblargag
πŸ“…︎ Nov 29 2020
🚨︎ report
I can't afford my new company's health insurance and don't know what to do.

My family and I recently moved from Indiana to Utah and I'm filling out new hire paperwork for my new job. The insurance costs are ridiculously high and I can't afford even the cheapest option. My son has a pretty serious heart condition so we will most likely pay the maximum out of pocket amount every year. The cheapest family plan is over $600 a month with a 12k deductible and 13k out of pocket max. The other 2 insurance plans they offer are not any better. Does this seem really high? Should I find a different job with better health insurance? Im not really sure what my options are at this point and any advice would be greatly appreciated.

Edit*

Thank you so much for all the very helpful comments and helping me better understand the situation I'm in. I have a lot of phone calls to make on Monday and I believe I'll get this all figured out thanks to you awesome people!

πŸ‘︎ 263
πŸ“°︎ r/personalfinance
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πŸ‘€︎ u/aloonyllama
πŸ“…︎ Jan 09
🚨︎ report
Paul Davis - Associate general counsel & director of human resources at Goosehead Insurance. Today he stormed the capitol building in an attempt to stage a coup against the US government and documented it (!) on Instagram twitter.com/SollenbergerR…
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πŸ“°︎ r/byebyejob
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πŸ‘€︎ u/ainthisomeshit
πŸ“…︎ Jan 07
🚨︎ report
9 years after my wife's death, got a letter saying she had life insurance from Mutual of Omaha

I came home with a letter in the mail indicating my wife had life insurance from Mutual of Omaha. She died 9 years ago, so this is coming as a complete shock. I was the one who had a job and had life insurance, so I didn't know she had coverage. What kind of value could I expect? Please feel free to speculate, I can't call them until tomorrow. Right now I'm completely stunned and of course this brings back memories and thoughts of the past.

Update: I called the company first thing in the morning and found out the life insurance is valid, but the agent wouldn't discuss the details. I have to wait for a specialist to call me back, and they didn't call yesterday. I was at work all day so they wouldn't have reached me anyway. I'll call again today, and I also have a few days off. Hopefully I can get all of this cleared up in the near future.

Update2: I was able to find out the "face value" of the life insurance. Its $12,000. I would assume that means there will be interest on top of that? If so, can you speculate as to how much it might amount to? Or, does the "face value" already take into account gained interest?

πŸ‘︎ 2k
πŸ“°︎ r/personalfinance
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πŸ‘€︎ u/AnAutisticGuy
πŸ“…︎ Dec 22 2020
🚨︎ report
This insurance office on Ashland always looks like it’s lost in time.
πŸ‘︎ 2k
πŸ“°︎ r/chicago
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πŸ‘€︎ u/Injustpotato
πŸ“…︎ Jan 03
🚨︎ report
Apparently you have to claim your money within time aswell, i only thought it applied to insurances...
πŸ‘︎ 501
πŸ“°︎ r/EscapefromTarkov
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πŸ‘€︎ u/Skolverket-
πŸ“…︎ Jan 11
🚨︎ report
TIL that residents of Virginia are not required to have insurance on their vehicles. You can pay $500 and "drive at your own risk" dmv.virginia.gov/vehicles…
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πŸ“°︎ r/todayilearned
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πŸ‘€︎ u/Kancho_Ninja
πŸ“…︎ Jan 09
🚨︎ report
Dashcams help me feel protected against insurance companies v.redd.it/lwkf5o3gcca61
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πŸ“°︎ r/Dashcam
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πŸ‘€︎ u/SnapperMaster
πŸ“…︎ Jan 09
🚨︎ report
TIL that Stanley Kubrick wanted to get an insurance policy from Lloyds of London to protect himself against losses in the event that extraterrestrial intelligence were discovered before the movie '2001: A Space Odyssey' was released. Lloyds refused. londonist.com/2014/07/sta…
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πŸ“°︎ r/todayilearned
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πŸ‘€︎ u/Sumit316
πŸ“…︎ Jan 09
🚨︎ report
u/betweenskill explains why insurance should be deprivatized reddit.com/r/Coronavirus/…
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πŸ“°︎ r/bestof
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πŸ‘€︎ u/Candyvanmanstan
πŸ“…︎ Dec 13 2020
🚨︎ report
I think my mom faked her death to collect money from an insurance policy and that is the only information I’m going to give you. What do i do? reddit.com/r/legaladvice/…
πŸ‘︎ 2k
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πŸ‘€︎ u/CloverBun
πŸ“…︎ Dec 26 2020
🚨︎ report
Insurance scam fail v.redd.it/6c75k55rlv361
πŸ‘︎ 4k
πŸ“°︎ r/DeadorVegetable
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πŸ‘€︎ u/windowseat4life
πŸ“…︎ Dec 08 2020
🚨︎ report
Appalled at Weight Requirements for Insurance
πŸ‘︎ 2k
πŸ“°︎ r/fatlogic
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πŸ‘€︎ u/luvduvbunny
πŸ“…︎ Dec 23 2020
🚨︎ report
AITA for calling 911 on a girl who got hit by a bike even though she has no health insurance?

I wasn’t in this accident that this girl was in, but I was a witness as I was driving around. The girl was a pedestrian walking on the sidewalk- she looked to be around 15 years old maybe 16. and then a guy on his bike (not to be mistaken with a motorcycle, just a general bicycle) was trying to avoid a car that was speeding very close to the sidewalk so the biker ended up crashing into the girl (and the biker was already riding fast because he was trying to steer away from the car. The bike shoved the girl like 4 feet forward from where she was walking and the biker landed beside her as the bike landed onto them. The biker was okay, he wore a helmet but the girl’s land was bleeding very badly, and she couldn’t get up very well without wincing, she ended up standing okay but I told her I’d call 911 since she’s bleeding, she’s just a kid.

She told me not to because she doesn’t have health insurance, then I asked how old she was and she said that she’s 18. Not that it was any of my business, I asked her why she doesn’t have insurance and she said that she got kicked off of it because of her age.

I called 911 anyway because her arm needed serious examination because blood was literally dripping. She noticed me calling and said again not to because she has no insurance and can’t afford the hospital. Then she ran away because I ignored her. I understand that she’s 18 so she can refuse care I suppose but I can’t let her go like that.

The police ended up showing up along with an ambulance and I told the police that the girl ran away. They went looking for her because I told them she shouldn’t be hard to find because she seemed so much in shock that she wasn’t moving much so I couldn’t imagine she’d run much longer.

I got a call 15 minutes later and I got called to the station to report what I witnessed, the girl was found but thy said that they can’t force her into care because she’s an adult.

I feel slightly embarrassed because I wasted the time of the police and ambulance, plus I only made the girl run which could’ve worsened her pain even more.

πŸ‘︎ 558
πŸ“°︎ r/AmItheAsshole
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πŸ‘€︎ u/extraqueefyleafy
πŸ“…︎ Dec 26 2020
🚨︎ report
Tesla insurance pays out pretty well.
πŸ‘︎ 450
πŸ“°︎ r/teslamotors
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πŸ‘€︎ u/Dan000
πŸ“…︎ Jan 08
🚨︎ report
Indian man attempts to insurance scam a truck v.redd.it/emp2sy577o061
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πŸ“°︎ r/DeadorVegetable
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πŸ‘€︎ u/_Kristian_
πŸ“…︎ Nov 21 2020
🚨︎ report
AITA for not taking part of the blame for a traffic accident so the guy can get his insurance

Apology in advance - first post and English is my second language!

As a part of my job I (27f) I often drive at night. Six months ago I was parked for a red light when out of nowhere this guy (mid 20 ish) on a bike rams into the side of my car, is thrown across the hood, shatters the front screen and lands on the other side of the car. In shock I run out and check on him. As he complains of back and neck pain I call "911" even though the guy begs me not to as he has been both drinking and doing drugs. The ambulance and police arrive, and the paramedics take care of him while the police interview me. Even though nothing major happened to the guy I been feeling really bad about it and had trouble sleeping.

A couple of weeks ago the police investigation concluded that I was without fault in the accident, and that the guy was to blame - most likely do to the drugs and alcohol. I thought that was the end of it but then I start receiving messages from the guy's mother asking for me to say that the accident was both our fault or else the guy couldn't get his insurance for a new bike. I refuse because.. well it was his fault... But then the mother keeps messaging saying stuff like that her boy could have been seriously injured, it's my fault that he can't get about because they can't afford a new bike and since it is a company car it would have no consequences for me personally in relation to my insurance or my criminal record (which is true), but I have always been very careful driver and done my utmost to act within the law.

I'm I the asshole for not saying we were equally to blame and thereby keeping the guy from getting a new bike?

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πŸ“°︎ r/AmItheAsshole
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πŸ‘€︎ u/Detective2450
πŸ“…︎ Jan 02
🚨︎ report
Insurance ads on the radio keep finding new ways to piss me off!
πŸ‘︎ 19k
πŸ“°︎ r/AdviceAnimals
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πŸ‘€︎ u/READlbetweenl
πŸ“…︎ Nov 20 2020
🚨︎ report
Delaware Shelter Where Joe Biden Adopted Dog Major Hosting 'Indoguration' for Rescue Canine. The virtual event, co-hosted by Pumpkin Pet Insurance, will celebrate Major's rise to First Dog and will also raise funds for the Delaware Humane Association's lifesaving work. people.com/pets/joe-biden…
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πŸ“°︎ r/PupliftingNews
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πŸ‘€︎ u/Sariel007
πŸ“…︎ Jan 07
🚨︎ report
Insurance company won't pay, claiming coverage ended second to last day of the month. What do I do?

I used to be covered by Anthem BCBS through my employer and my employer has a policy that all employees will continued to be covered through the last day of the month that their employment ended. My last day of employment was August 4th so I assumed I would be covered for a doctor's appointment I had August 31st. Anthem has rejected covering it and is claiming my coverage ended on the 30th, I have filed an appeal and they took 3 months to tell me they declined my appeal.

Questions I asked a rep from Anthem:

  • when you're covered through the month is it inclusive or exclusive of the last day of the month?
  • how would someone gain coverage on the last day of a month if prior coverage ended the second to last day of the month? (As far as I know COBRA doesn't kick in until the 1st of the next month)
  • in a billing cycle is the last day of the month included on the next month or the current month? I.e is August 31st considered part of September?

Everyone from Anthem I've talked to has been super unhelpful and unapologetic. I contacted my previous employer and they confirmed I should've been covered August 31st. I'm not sure what to do at this point.

**Update: Here is the exact wording Anthem sent me in their denial of my appeal: "Please be advised, the services that you were rendered are not eligible for coverage under your plan. The reason for this is because services were rendered after your coverage termed. Our records confirm that your plan policy terminated on August 31st, 2020, which means any services rendered on this date are not considered eligible for payment." Then they quoted part of their documents: "Not Covered. Services received before your effective date or after your coverage ends, except as specifically stated under EXTENSION OF BENEFITS" So because my policy terminated on August 31st theyre saying I have no coverage that day.

**Update 2: The exact wording from the paperwork I signed with my employer: "If you were enrolled in _____ medical, dental or vision plans, your coverage will end at midnight, the last day of the month in which your employment ended."

**Update 3: COBRA coverage is dated to start September 1st. So this appears to be an issue between my employer and Anthem.

πŸ‘︎ 1k
πŸ“°︎ r/personalfinance
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πŸ‘€︎ u/blaqksilhouette
πŸ“…︎ Dec 24 2020
🚨︎ report
Spent 4 hours in the emergency room on Thanksgiving day. Today I received the post-insurance bill. Fuck American healthcare.
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πŸ“°︎ r/Wellthatsucks
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πŸ“…︎ Jan 09
🚨︎ report
AOC: Insurance groups are recommending using GoFundMe -- "but sure, single payer healthcare is unreasonable."
πŸ‘︎ 7k
πŸ“°︎ r/NewDealAmerica
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πŸ‘€︎ u/kevinmrr
πŸ“…︎ Nov 29 2020
🚨︎ report
"Only 5% of Canadians are covered by public dental insurance while over 1/3rd of Canadians have no dental insurance. Universal Dentalcare will provide dental insurance to all." - Coalition For Dentalcare
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πŸ“°︎ r/onguardforthee
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πŸ‘€︎ u/yimmy51
πŸ“…︎ Dec 03 2020
🚨︎ report
I received a considerable payout from my late husband's life insurance which I intend to put towards our kids, but I also have kids from a previous marriage.

When we married I had two kids from a previous marriage and he had one, and we also had one together.

Part of me feels like dedicating a share of the payout to helping his step kids would be stealing from his biological children. OTOH I feel like he raised them for long enough(9 years) and had such a bond with them that it would be cruel to deny them their share of that assistance.

Truthfully he was more of a father to them in the past few years then their biological father has been, and I can't say for sure what his stance would have been on the issue.

πŸ‘︎ 742
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πŸ“…︎ Dec 31 2020
🚨︎ report
Secretary at an Insurance Office Starter Pack
πŸ‘︎ 10k
πŸ“°︎ r/starterpacks
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πŸ‘€︎ u/wozmatic
πŸ“…︎ Dec 12 2020
🚨︎ report
The Democratic party is bought and paid for by Big Pharma and the giant insurance companies, which is why Speaker Pelosi won’t bring Medicare for All to a floor vote. And you all are upset over Jimmy Dore being angry? You should be angry over the corruption in the Democratic party. twitter.com/ProudSocialis…
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πŸ“°︎ r/LeftWithoutEdge
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πŸ‘€︎ u/failed_evolution
πŸ“…︎ Jan 01
🚨︎ report
the Blue Cross Blue Shield Association, whose companies provide health insurance to 100+ million Americans across the country, is suspending political contributions to members of Congress who objected to the Electoral College count twitter.com/rachanadixit/…
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πŸ“…︎ Jan 11
🚨︎ report
Increasing insurance wait time is not right move, at least not yet.

Considering how buggy this game is, and how easily you can lose your ship to a bug, or bed logout not working correctly, I find it ludicrous that in 3.12, I have to wait three hours to get my Carrack back even when it's not my fault.

I can see balancing the wait times is necessary, and while the changes might make sense for a polished game – now is too early.

See changes 3.12 changes:
https://www.reddit.com/r/starcitizen/comments/kcr6c3/ship_insurance_changes_312h_vs_312i/

πŸ‘︎ 669
πŸ“°︎ r/starcitizen
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πŸ‘€︎ u/ToxZec
πŸ“…︎ Dec 14 2020
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