After a surgery consultation, my doctor submitted a pre authorization request to my insurance, Anthem (North Carolina). I believed it had been sent on March 17th, so I called my insurance to check the status last Friday. However, there was no record of any pre-authorization being sent. This turned into the insurance calling the office, and they confirm it was sent March 24th (so it is confirmed by both the office and the insurance rep who called). Now today, I called to make sure the information had been updated, and that the pre-authorization had officially been received. Once again, they say there is zero record of any pre authorization. This is my first time having to go through this process, and I'm just super confused. I know the expected date to hear back is within 15 days, but I at least thought the request would be on file. I don't want to have to call again, but I'm getting worried that the request won't show up in the Anthem system. Plus I can't schedule surgery until this is approved, and I need it done this summer so the longer this takes the more nerve wracking it is. Basically, is it normal for my insurance to have no record of this pre-authorization request 14 days after it was sent?

I have messaged optumrx several times to stop automatically filling medications for me. I would like to do it manually because many times my doctors send orders for as needed medications that I use maybe once or twice a month and have years worth of usage from constantly having it sent. Despite attempts, they never fix the problem. What can I do? Age 28, state FL, gross income 80k

Anybody had any experience with red.co.uk life insurance? Seem relatively new, offer a voucher and kids plush toy for taking out a policy but there’s next to nothing about them online. Bottom of the page states red family finance is a broker, they contact on WhatsApp after filling in a webform, seems like trying to pressure you before the ‘offer ends’ or the voucher ‘expires’

Hey y'all This is my first time posting here. I am going to be starting a job here soon where I need to get my pre exposure rabies vaccine prior to starting. The issue I am having is my health insurance (Anthem blue cross blue shield) doesn't cover it and it is gonna put me down like $800 with finical compensation from my employer. I live in Kentucky. I was wondering if anyone has any advice or ideas of ways I could try to get that price down. I'm not sure of theirs any good answers but figured I would ask. Thank you all.

Hi I’m an international student currently in the U.S. on a STEM OPT extension. Recently, I was admitted to the hospital due to severe pain, which turned out to be a kidney stone. I had to undergo surgery, and now I’ve been hit with a $50,000 medical bill. I have ISO insurance, but they’re refusing to cover the charges, saying it’s a pre-existing condition—even though this was the first time I ever experienced it and didn’t know about it before. As a student, I don’t have a high income, and this amount is overwhelming for me. I’m looking for any advice or guidance on what I can do to get help with this bill—whether it’s negotiating with the hospital, financial aid, or any legal options. Any direction would mean a lot right now. Thank you so much.

Update: Thank you for all the responses and suggestions. This is my first time ever dealing with insurance so was a little confused. I believe I have figured out what the issue was. I was seeing an in network gynecologist and they requested I get an ultrasound. The gynecologist had me scheduled with the hospital but said I can cancel and find another provider to try and find a cheaper place. I found an imaging clinc that says online that they take Aetna and so I scheduled with this place. They took my insurance information and I called them 3 times prior to my appointment to confirm the price of the service. They had stated the service was $245 every time I called and that I wouldn't owe anything more then that. I went to the clinic and before getting the ultrasound done again asked about the price. They said it would be $245 and so I swiped my card. I asked again if I would get another bill later and they said no that this is all that I would owe. I did the ultrasound and before I left I had them print the bill. They printed it for me and it shows that the good faith estimate was $245, which is what I paid upfront. A month later I received a bill from the clinic for $400 and upon checking the insurance claim I see $400 going to deductible and another $401 saying "pending or not payable" with my total share being $801. It seems my insurance is not covering anything. I had no idea that they would not cover anything or that this place was "out of network" as it literally says they take Aetna. I was reassured multiple times that the $245 was all that I would owe. I told them many times that I would cancel my appointment if there is the possibility that I would be charged more. The good estimate bill doesn't even show the actual price of the procedure nor how much my insurance would cover. I am so mad. How do I debate? Do I file a complaint? It also seems like my insurance is unaware that I've already paid $245. Please help!!! Another $800 bill on top of the $245 is insane.

Hey Folks so I'm 30+, I had Star Health insurance earlier however I don't see that they are updated on offer good enough health claims for women specifically. I'm searching for a good insurance which caters to medical needs of women 30+ and over where things like Ovarian cancer shots, PCOS/Fybroid related surgery etc can be claimed. I had a very tough time convincing the policy manager at Star bazar to accept my claim for the same while it was a procedure suggested by the doctor herself. But clearly they seem to know my body better than the actual doctor (LOL) Could you recommend some insurance companies that do cater in the above factors and have better facilities available especially for women.

Spoke with a woman who would not directly answer any of my questions. I asked how long until they cover a CURABLE pre existing condition such as a UTI for a cat which is a common thing some cats deal with and she went on and on and on about broken bones and all this other nonsense. I tried to steer her back to the original question several times and she just couldn’t stay on topic. I don’t know if she was on something or what her deal was but it was very weird. She didn’t want to give me a direct answer. I finally asked to speak with a supervisor. She put me on hold for several minutes and came back and said no one was available. Then she message the supervisor with my question, the supervisor just answered it directly. Imagine that. I asked a question and they just answered it. I told her thank you and that was the question I was trying to get an answer to. She said I should have told her that lol. I tried to explain how this can be frustrating and a little suspicious to a pet parent that’s trying to get info. I explained that it is as if she was working me a little. Like she was saying words without answering the question and talking in circles. I would ask a question and she would answer it as if I asked another question. Very sales pitchy. It was very bizarre to say the least. She then started raising her voice and talking over me so at that point I told her to have a nice day. If you are also curious, there is no amount of time after a cat gets a uti that that they will cover it. There is no curable condition time period like some companies (usually 12 months to 18 months). My cat has had one uti a year and a half ago (she is 2 years old) and if she were to get one at any point in the future it will not be covered. The woman told me not to worry about a uti and that it’s not a big deal which made me uncomfortable. I had to give her a break down of how expensive it actually is. There is the office visit, which is often a same day emergency visit which is more expensive because a uti can come on quickly, the urinalysis, and the medications. It’s expensive. Hundreds of dollars. She then asked why I’m so concerned about a uti, maybe my cat has kidney disease or something. I said no, she does not, I would just like to know what I am paying for coverage wise, what is covered, and what to expect. She then began her sales pitch again and didn’t respond to what I said. She was off on another roll. Very unproductive and unprofessional conversation to say the least. When companies act like this and you get that pit in your stomach, it is bad deal and you need to get off it. There was nothing good about whatever that was. Really scary these people are in charge of providing insurance for beloved pets.

In 2022 I made a small insurance claim for water damage, $2k, with Progressive. Since then, every time I get quotes for homeowners insurance I get denied, or have to accept high rates, because the Lexxis Nexxus database shows I made 3 claims. A year ago I disputed these several times, and got a letter from Progressive that confirms I only made 1 claim. When I talk to LN, they tell me they've removed the claims, but over a year later I'm still getting denied by insurance quotes and told they are still showing up by the insurance companies. Is there an agency like the CFPB I can submit a complaint to about Lexxus? Or do I need to get a lawyer letter involved? I already have to deal with living in a hurricane prone area with high rates and these higher rates are crippling. LOCATION: TEXAS.

Location: Washington State I’m dealing with a housing situation that has gotten increasingly serious, and I could use advice on whether I have a legal case and what my next steps should be. I don’t qualify for free legal aid, but I also can’t afford to hire a lawyer outright. I’ve already spoken with the Tenants Union of Washington State, who suggested I update my complaint with the city’s code enforcement office on Monday because the situation has escalated significantly since I first reported it. They also mentioned I might be entitled to compensation that my landlord isn’t disclosing (either intentionally or not). I’m wondering if I should wait to hear from code enforcement again or if I need to start pursuing legal representation now. My story begins at the start of the new year. On January 6, I submitted a service request because the floor in my entryway was visibly warped and I was having trouble closing my front door. On January 8, maintenance came out, removed the weather stripping from the bottom of the door, and marked the request as complete even though no inspection was done and the root issue wasn’t addressed. At that point, I figured I had at least documented the damage in case they tried to blame me later, but I had no idea how bad things were about to get. On March 26, I submitted another repair request because there was now visible water damage and possible mold along the baseboards next to my front door, along with the floorboards becoming even more warped. In my bathroom, there was a significant colony of black, furry mold that had grown between the wall and a small stepstool I had propped up against it. I had also noticed that there were "blisters" in the paint on the walls in the hallway leading up to my apartment where water had obviously started to pool. Maintenance showed up the next day, told me they would "call someone," and once again closed the ticket without fixing or really even looking at anything. On March 29, I went into the leasing office to speak with someone in person because I felt like the issue was not being addressed properly and I wanted some answers. I explained the problem to the leasing agent and he asked me to send him an email describing the issue (which I did) and that I should open yet another repair request for the issue (which I also did.) On April 1, the maintenance person showed up again. This time, he brought a pipe wrench and literally tried to hammer down the warped floorboards (no joke). Then he sprayed two sprays of mold inhibitor on the wall next to the front door “just in case.” That afternoon, I was told that a water restoration company would be out the next day to inspect the unit. The water restoration company came first thing on April 2, while I was still in bed. They found significant moisture behind the walls and suspected the presence of mold. The property manager came by a few minutes before noon, took photos, and informed me that my apartment was currently uninhabitable. He told me to file a claim with my renter’s insurance for a hotel. I work from home and was in the middle of my work day when he told me that the water restoration company would be arriving shortly to start dismantling my bathroom to start looking for the cause of the leak. I ended up making a claim with my renter's insurance (even though I believe property management is responsible for the cost of temporary housing) but without a statement of cause, my insurance wouldn't help me find a place to stay so I had to make arrangements on my own for myself and my dog. I'm currently staying in a hotel down the street from my apartment building that is being charged to my credit card. On April 3, the leasing manager called me to inform me that my apartment is unlivable and they have no timeline for repairs, so I have the option to either break my lease with no penalty or move into another unit (with them paying the moving costs). I asked him to send the offer via email because I needed a written record of the offer before I would even consider anything. He sent me an email the next day (April 4) briefly outlining my two options: either I transfer to another one-bedroom unit in the building at my current rental rate, or I break my lease with no penalties. That’s it. He didn't even include the offer to cover moving expenses to the new unit. I'm stuck in a frustrating situation with no real solutions. My renter's insurance isn’t covering my hotel costs because they won’t pay without a statement of cause, which I still don’t have. Even if they do cover it, I’ll still be out $250 because of my deductible. I expect the property management company to take responsibility for that since the damage was caused by their neglect. The options they’ve offered don’t even begin to address the full scope of the inconvenience and stress I’m dealing with. There’s no mention of covering the moving costs, or even offering rent relief for the time I’ve been displaced. Neither of these options account for the impact this situation has had on me and my dog. What should I be doing next? I’ve already filed a complaint with the city’s code enforcement office and plan to follow up on Monday, but I’m not sure if I should be waiting for them or moving ahead with other options, including legal advice. I know I can’t afford to hire a lawyer outright, but I also feel like I’m being jerked around by the property management company and my renter's insurance. Any advice on what steps I should take next?