I have Aetna with acupuncture coverage. I had seen a provider 6 times, 3 times in 2023 and 3 times in 2024. All of the visits were coded CPT Code 97811 and CPT Code 97810. In 2024, I saw the provider in January, June, and July. For some reason, the visit in June was denied and Aetna said it was experimental. But the provider billed using the exact same code as before and after June 2024. All other claims had been paid. I'm at a stage of appealing this decision. But I'm wondering if anyone has any insights into why a claim would randomly be deemed experimental when it was paid as normal otherwise?

So from just looking on here it seems that this happens often. I got my vehicle yesterday afternoon after them having my car for a lil over a month. I didn’t look at my car much yesterday. This afternoon I went outside and was looking at the stuff on there bill of said repairs for the insurance company. A couple small things look fixed but most stuff looks the same as before as in not touched. The thing is what do I do now? I also had just called said place and the person was busy and in telling the person on the phone if they just ripped insurance company’s off he was dead silent.

I live in the states in Indiana. I went to my doctor this morning and used my insurance card fine. They prescribed me meds, I went to CVS and they are saying my insurance card is not working. I called ambetter and they claimed I got a new ID number, I gave CVS the number and they said it's still not right. They gave me another number and it's the same as on my insurance card. What is going on? I have a feeling CVS is messing up but maybe it's Ambetter??

So I reside in Minnesota, our loan company is Mr. Cooper. We are behind a little bit February and March, but will come through before the end of the month to fully catch ourselves up again. They sent me an email stating our loan is in default? How is that possible when it states we are barely in their words 39 days late on the payment? Can they default our loan just for that? I’m going to be calling tomorrow to ask since we’re paying the full amount before the end of the month if it’s okay. But I really can’t wrap my head around the fact they defaulted so quickly. Has anyone else dealt with something like this? Or specifically this company? Much appreciated for answers!

Last June, I went to urgent care because I was leaving for a vacation out of the country the next day and started feeling sick. I couldn’t get into my primary doctor before leaving and just wanted a steroid shot or antibiotics to avoid being miserable during my trip. I went to an urgent care near my job, knowing it would be more expensive than my normal copay. I usually pay a $25 copay at my primary doctor, but urgent care costs $50. When I arrived and checked in, the receptionist asked for my insurance cards, which I provided. I’m double insured, as I’m still on my parents' insurance, but I use my insurance as primary and my parents’ as secondary. I’ve never had any issues with this setup and typically don’t have medical bills because of it. The receptionist asked if another name (I assumed it was another patient) was on my insurance policy. I confirmed that I’m the only one on my insurance policy and explained that my parents’ insurance is secondary. Both of my insurances are Blue Cross Blue Shield, though I’m not sure if that matters. The receptionist seemed confused but said, "Okay, it’s going to be expensive, but your copay is $50." I agreed, since I felt awful, and paid with my HSA card. I was only tested for strep and flu (both negative) and was diagnosed with a sinus infection, for which I received a steroid shot. Fast forward to my trip abroad, where I had to visit a doctor at my resort, pay $500, and was diagnosed with bronchitis and the flu. Last week, I received a call from a collections service saying I owed $244 for my urgent care visit. I asked how that could be possible since I was double insured, but they couldn’t answer. I called the urgent care, and they directed me to their billing number. After waiting for an hour and a half on hold, I was told I owed the amount. I asked again why, given my double insurance, and they said they only had my parents' insurance on file, and that their insurance had denied the claim. I asked why it was denied, explaining that my primary insurance at the time was through my job and my parents’ was secondary. They asked to put me on hold to investigate, but the call was dropped. I called back and was on hold for 45 minutes. I then received a call from an unfamiliar number, and the voicemail said the call had been disconnected and to call back to resolve the issue. I called back and reached a different urgent care I’d never heard of. I asked for the person who left the voicemail, and they said they didn’t know anyone by that name. I explained the situation, and the person said they had been receiving similar calls from others and advised me to be careful with the information I shared, as they were unsure if their office number had been linked with spam. I then went to the original urgent care, which is 10 minutes from my job, and asked for clarification. They explained that my primary insurance was never added to my account, but when I went in for clarification, they added it to my file. Since their billing has been outsourced to a third-party company, they can no longer access statements or accept payments. They directed me to that number but said they would speak to their manager and call me back since they’ve received multiple complaints since moving to this company. I’m unsure what to do now, as the urgent care never billed my insurance correctly, and the bill has now gone to collections. Any advice on how to proceed?

My Simple IRA is with Edward Jones through my employer. My advisor, a glorified used car salesman, claims that it’s not fair to compare my returns with him to either the SPTMI or my own Roth IRA. His reasoning is that because it sees contributions twice a month, there’s always recent contributions that have not grown which makes the return seem lower. The account is only two years old and has about 10k in it. It shows about 12% growth for 2024 while the SPTMI and my ROTH IRA (30k, maxed early in the year, 80/20 VTSAX/ VTIAX) showed about 24%. Does his explanation hold any weight? My returns over the last rolling year are negative by <1% while my ROTH is up over 13% still just because of how strong last year was. Appreciate anyone’s input!

I reached out to my State Farm rep about why my homeowners insurance went up 30% this year and he said “that’s just what they’ve been seeing lately” and offered to decrease my Coverage A and Increase my Dwelling coverage to bring down the premium. The total replacement cost covered would remain the same. He was selling this as effectively being identical if we would be rebuilding in case of a disaster, but something doesn’t pass the smell test. Has anyone else opted to do something similar? He was unable to articulate why State Farm would do this if the coverage was the same. He only Personal coverage would decline as a percentage of coverage A. Is there anything else I’m missing or anything else I should ask?

In the past I never remember paying anything for an annual physical with blood work. I recently received my bill and my blood work/urinalysis was $1206 and after cost reduction I owe $1020.cigna covered nothing and I will have to call them and see exactly what they cover because I will be turning down the blood work for now on if this is what it will cost. General health panel (CPT 80050) $630.99 Blood test lipids (cholesterol and triglycerides) (CPT 80061) $293.80 $20 for the needles and stuff I rarely go to a doctor so maybe I'm out of the loop but everyone I mentioned this too says it doesn't seem right. So I wonder if it's a coding issue or Cigna really just doesn't cover anything until I hit the $1k deductible.

Recently, my cat had to be rushed to the ER due to urinary blockage (FLUTD) , I submitted his bills, which rounded up to 7k, but the insurance denied it as pre-existing. * Pet had not prior diagnosis or sign of illness in the past with a clean record * Vet stated that he had issues peeing in an instance of stress due to construction and not due to FLUTD, and recommended Feliway Diffusers * Vet also wrote a letter for me specifying that the symptoms were not related to pre-existing FLUTD Now at the time that he started to show symptoms of blockage and straining the policy was already active and the waiting period was over. Am I crazy for thinking that them using past symptoms that were specified to not be related to deny my claim is actually wrong, and this emergency should fall under coverage?

Hey Team, if I get 'ghosted' by an adjuster how would one find their manager's contact information so I can send them an email? This is for Travelers in the Mid-Atlantic Region USA. Still haven't gotten any reimbursement for my personal property after a fire... and several attempts to contact them.