i visited the ED back in march 2024 and ended up being placed in observation and let go the next day. i’ve been dealing with an insurance/billing issue since then. i have anthem BCBS under an employee sponsored health plan (Union Construction Workers). the hospital i visited was In Network. for some reason, the hospital is billing me around 17000$, stating that my claim was denied due to code *00897, which requests complete medical history from the member. the member being myself, so i contact my employer sponsored health plan claims specialist, and she has no idea “why they would want that [referring to medical history]” and ensures me the claim is covered and sends over the EOB. which states patient responsibility is $1500, and not $17000. she lets me know that UCW paid mercy back in july. anyway, fast forward to november i am getting billed $17000 again. i call billing, they escalate my case, and remove the $17000 charge from my statement. i call UCW again, and they let me know the claim has been paid. billing is telling me anthem denied the claim again. they ask me to resend the EOB. fast forward to now, i am getting billed 17000$ AGAIN! i call billing, they tell me that the anthem claim is denied. i ask them if they looked at the EOB. they say yes, i ask them if we can go through the EOB together. we look through my UCW EOB and the billing employee states that my ANTHEM EOB was reviewed and for some reason my UCW EOB was not reviewed but it was received after i sent it in November. he agrees, i should only owe $1500 per the UCW EOB. but anthem is denying my claim still. i call UCW again. the rep tells me that she is now contacting anthem directly. after 9 months of issues we are finally contacting anthem. and there is no way for myself to contact anthem, only through the UCW representative. i am giving birth in about a month, im in a rush to get this handled. i would accept any help that i can. i have looked through the itemized bill, UCW EOB, and claim on anthems website and reviewed for errors. i noticed that there is one charge (for $9.50) that insurance covered that is listen on both the itemized bill and anthems claim, however not listed at all on the UCW EOB. but i, a not insurance expert, does not know what this means. please please help if you can! i have already talked to my states insurance department, which they were confused w my situation and could not help. i also have requested proof of payment from UCW, as well as a 3 way phone call between UCW, myself, and billing.

I was just notified by Amica they will be dropping me in June due to having 2 previous claims in 2022 and 2023. Both were from individual pipe bursts Amica fixed. I’ve resolved further issues by paying out of pocket to repipe the entire house in 2024. Amica was aware of the re-piping but was still not interested in keeping me on. I do not live in a fire zone. I’ve been told no by several insurance companies stating because i’ve had water damage claims, I’m ineligible for their coverage, even though I’ve completely repiped my home last year. I have tried working with two different independent insurance brokers, both haven’t had success. One found a home policy for $18,000/year. Not including auto and umbrella. I was paying $4500 all in. Anyone have any luck getting coverage in a similar situation as me, with previous claims? I’d love to avoid CFP and DIC if possible. Thanks

I was rear-ended last year, and the at-fault driver's insurance covered the $14,700 in repairs. Afterward, I hired an appraiser, who reported a diminished value of $4,175. Once, I submitted the diminished value claim to the at-fault driver's insurance company, they offered me $300 and then began ignoring my attempts to communicate further. After filing a complaint with the Office of the Commissioner of Insurance, the insurance company finally got back to me and offered $2,000. It's less than I was hoping to get, but I'm worried that pushing for more could cause them to rescind the offer and force me to go to court. So, my question is, if I try (and fail) to get more, will the offer of $2,000 still stand?

Hi, I recently had an experience that just baffled me and I was wondering if this is normal. I was with State Farm for decades before I realized that they really did not care about my loyalty and would give new customers a better deal. At that time last year, I switched to progressive. I really liked their online format. It was easy to use. I could pick out exactly what coverage I wanted for what vehicle. At my first renewal, my premium went up by $20. One of the reasons I switched companies is because I felt that I was taking advantage of by State Farm over the years by increasing the price here and there. I called them to inquire why and I was told that it was some kind of new customer discount that could no longer be applied to the policy. It sucks, but I shrugged it off and renewed. I recently was up for renewal again and this time I jumped by $70. I have no accidents, no tickets. There are five cars total on the policy. I called them about 20 days before my renewal was due. I spoke with a representative. Long story short, he said that he was able to get it back down to the original price and I would have to call him at the beginning of March to apply it to my account. I tried calling leaving messages for about 3 to 4 days and was not able to contact him so I just contacted the regular number. I had a reference number that I was able to give the rep to look up this new quote. They acknowledge it and as they are issuing the policy, they press some button and it magically goes up by $100 now. It cannot be undone and it pissed me off. I told them I no longer wanted to renew with them and I would find somebody else. I ended up using a online broker tool, and it led me back to progressive. Where I proceeded to input all my information and not only did they give me a quote, but this quote is cheaper than my original quote last year for the same exact coverage for 5 vehicles. So are we just supposed to be applying as a new customer every single year for policies? Overall, I ended up saving $475.

I was in an accident. I was turning and collided with another vehicle traveling the other direction on a residential street. Apparently an attorney is involved now according to my insurance company, and it certainly has me scared. We have a job and house, but we are barely surviving, so playing legal games is going to break me. It also feels very unfair. I'm pretty sure, if anyone was injured in that car, it's because it appears the kids weren't buckled. It was a mom and kids on the way to school. I want to the back to help and saw a dazed kid rubbing his knees because they probably hit the console in front of him and he was crying. Not totally crazy, like im broken help it hurts crying, but like mildly hurt but mostly scared. I have kids. That explanation wont hold up in court but anecdotally I think he likely was fine based on what I saw and my own experience from the crash. I had mild bruises on the top of my legs, not visible, but just a sore feeling. But I was buckled. And I had a airbag in my face and a little dazed, but when I got out the math didn't work out in my head with how many people I was seeing and the number of seats available in that car. there was a baby seat but no baby. that leaves 4 legal seats in that car, but I'm pretty sure there were at least 5 people in that car. It was hard to figure it all out because of the shock of it and one or two of them walked off to a school or were taken by grandparents that showed up fairly quickly. I bet Its too late to go back and prove that, and I doubt there will be camera footage of it, but there is a slight chance because there is a medical business at that corner, its at the edge of residential and commercial. I dont know what to do. I really dont feel like anyone should have to pay for bodily injury other than her on this, but maybe that is just me being an asshole. It just doesnt feel right because the likelihood that they were playing clowncar with missing seatbelts is fairly high, and it was such low speeds. I didnt hit them in the door, it was front to front. Noone should have walked away from that with any real injuries if you were doing things like you were supposed to. I had minor bruises that lasted 2 to 3 days and were never visible. I'm about to be broken by some greedy person that just wants to cash in and I don't know if there really is anything I can do about it. Fight or not fighting both are too expensive for me to survive. I auto lose.

Hi all, So this is a grey area and I really do not know how to go about this so I would appreciate any input here. I'd rented a car for the weekend to drive around town and visit nearby places. Had some time left before returning so I had a colleague over, and we decided to go out but he wanted to take the wheel. So, we drove to a nearby restaurant and while parking into the restaurant he backed too heavily and banged into the wall. There is a sizeable damage to the car's rear with scratches all around, damage to the rear lights and the bumper too. I know I am screwed as it is the worst car rental company (Sixt), but also, I was not driving. I know my card, Amex has an insurance that covers this sort of stuff, but of course it requires me to be the authorized driver to be able to claim this. I do not know what to do here, because I do care about the colleague and don't want him to get screwed because of the charges too because I know it is gonna be hefty one (probably a couple thousand bucks to say the least), so any advice would be appreciated here. Do I trust the claim verification process to not involve checking through on the cameras, or, just be honest, I don't know. Help!

I know I'm calling them first thing in the morning to talk with an attorney, but is there any advice for a situation like this? I owe them just under 14k, they personally gave me a settlement and I emailed it to them (5k settlement) but National Debt Relief never finalized on anything, and now they are suing me.

I’m in shambles. A surgery out of network I was approved actually late last year is somehow now denied in network now? And the record of approval is nowhere to be found?? Literally saw it three weeks ago. I want to make sure this appeal hits the ball out of the park with all necessary info but it’s such an uphill mountain and I was so happy for a month and a half excitedly waiting for my surgery next month. Please help.

So basically, I left a complex a month before my lease was up because we bought a house. The complex was aware we were leaving before the lease was up. Upon leaving, we knew we would be billed for carpet and we made them aware our renter’s insurance would issue a check to cover majority of the balance and we would cover the remainder. Well, my renter’s insurance issued a check and they sent the entire balance to collections like within a week of the check being issued. They stated they never received the first check after I escalated the issue to their district office. The insurance company issued a second check. They apparently never received that one either. Insurance company ended up issuing payment directly to me so I could get the balance settled. Payment was put in their hand February 18th. I got a notification this morning that they reported the entire balance to collections as paid. The district manager stated that she halted the collections process and was working with me for getting payment settled. I emailed her this morning about the collection reported. Is there anything I can/need to do legally? I’m just frustrated because it feels like they deliberately tossed the checks and reported the balance to collections because they’ve done the same thing to previous renters. I just want to know if there’s anything i need to do to pursue them legally or if contacting the credit bureau is the easiest solution.

Hello, hurricane damage claim. State Farm. Upon reviewing my latest final estimate, I noticed that it is missing around $34k of damage for items: hazardous material/asbestos removal, water remediation and tree removal. These items have already been included in previous estimates but they are not listed in the most recent one. Two line items are removed completely and the tree removal was deducted from previous demolition line item now showing $500 when it was $9000 (with tree removal) This estimate has increased based on some other items like additional roofing repairs and other things to the tune of about $40k, but with the removal of $34k in line items it only goes a little higher. I am concerned why those items would be removed. I have a call into the adjuster but looking to see if anyone has any ideas. I can’t tell if they took it out to see if we’d notice and playing games or what. Those items have already been paid previously and the roof is complete as well so it doesn’t make sense to me.