Over halfway through pregnancy. Blue Cross Blue Shield of Texas on Monday stopped the majority of my local hospitals from being in network. Was told to fill out a continuation of care and I would be fine. I’ve called BCBS customer service and have received either non-answers, or have been told that since I’m pregnant, the only thing they will cover is my OB’s costs. That means: labwork would be out of network, my hospital/facility fee would be out of network, my child’s care would be out of network once they are born. My OB only delivers at the out of network hospital system. I’ve been trying really hard to find someone that is in network in my area to take me as a new patient due to being so far along. Any insight?

I'm going to keep this as short and to the point as possible.. Before my job forced us to change insurances, my BCBS plan had an all inclusive copay, meaning when I visited my specialist(or anyone for that matter), I paid $70. That was it. I had been getting bimonthly infusions that cost just under $10,000. All covered under the $70 copay. Rad. When we were forced to switch, we had our choice of hundreds of plans. I tried SO DAMN HARD to get insurance plans to tell me what my infusions would cost under their specific plans and got stonewalled every step of the way. I had all of my billing codes and everything. Long story short, I ended up choosing one that I believed had a similar setup to my last plan: all inclusive copay. Turns out, it is, but they are trying to bill me for the prescription used during the procedure($9,000+). I have to pay for that($300 specialty tier med) AND the copay. They couldn't explain why that is a loophole. My infusion is a buy and bill, which means it is billed under MEDICAL, not prescription benefits. What am I missing here?? TLDR: "All inclusive copays" have loopholes apparently?

Hi all — I’m following up on a post I made over a year ago regarding a dispute with my former neighbor in an HOA community: [Original Post](https://www.reddit.com/r/legaladvice/comments/17kskaq/neighbor_wants_us_to_remove_trees_trench_and/) At the time, the neighbor was demanding that I remove trees and trench my property due to alleged view obstruction and root intrusion. I consulted with an attorney back then who told me to wait and see if the neighbor actually filed a lawsuit, as the demands seemed like a scare tactic. Their advice was to assume he might just be bluffing unless I was formally served. **Fast forward:** I sold the property and moved out of the HOA community. A few weeks **after the sale was finalized**, I was served with a lawsuit from the same neighbor. The lawsuit includes eight causes of action, mostly related to HOA CC&R violations, nuisance, and alleged property damage from tree roots. **The plaintiff is still a member of the HOA. I am not.** I no longer owned the property and was not a member of the HOA when the lawsuit was filed. **My homeowner’s insurance is providing a defense attorney that will be defending me wholly but will only financially cover the property damage claims.** They will not cover any claims related to HOA CC&R violations, "loss of enjoyment," nuisance, or attorneys’ fees. The claims adjuster also told me that I could be responsible for the plaintiff’s full attorneys’ fees if he prevails on **any portion** of the case, even a minor claim. They are pointing to this clause in the HOA CC&Rs: *(i) Attorneys Fees.* *Any judgment rendered in any action or proceeding pursuant to this Declaration shall include a sum for attorneys’ fees in such amount as the court or arbitrator, as applicable, may deem reasonable, in favor of the prevailing party...* # 🔹 What I’m really trying to understand: Does the HOA’s CC&Rs and this attorneys’ fee provision still apply to me, even though: * I was **not a member of the HOA** at the time the lawsuit was filed. * I had already **sold the home** and was no longer bound by the CC&Rs. * **The HOA did not have any open or pending violations against me at the time of the sale.** * The claims are mostly based on alleged violations while I lived there. Is it common or even legally valid for CC&R provisions to be enforced against a **former homeowner**, when the lawsuit was filed after the sale? **Has anyone dealt with a similar situation?** Any legal insight, personal experience, or thoughts would be really appreciated. I’m trying to gauge how much personal exposure I truly have beyond what my insurance is covering. *(I understand this is not formal legal advice, just looking for shared experiences and general guidance.)* Location: California

I live in California covered by AAA. Last year, March 2024, I was in an accident. I was found to be at fault. At the time I was sent a letter from AAA telling me that the other driver, who is also covered by AAA, had hired an attorney and that they were asking me to disclose my insurance policy limits. I refused and just let AAA handle it. Just yesterday, over a year later, I recieved a letter from AAA saying that they have recieved a settlement demand for the full amount that my policy will pay out, for bodily injury, and that they are in the process of evaluating the demand. They must respond to the demand by April 24, 2025. They also informed me that should the other driver file a lawsuit against me, they will be providing me with an attorney. I'm currently unemployed and am FAR from being able to pay out should they decide to pursue a lawsuit. I tried calling my insurance adjuster this morning, but of course, they were out and I had to leave a voice mail. My anxiety is sky high waiting to see how this will all play out. Any advice from someone that has gone through something similar would be greatly appreciated.

Going from $113-$127, smh should I look into switching or would it be the same anyways?

I live in Ohio and have State Farm for my homeowners policy. My roof was damaged by wind end of September 2024 and siding was torn off my house. I also have water damage inside my home. I had a contractor out and State Farm had their contractor out to assess damage. I have a $6k deductible and State Farm deemed it was repairable. Payout is $4k but I appealed because of the matching code in Ohio and I don’t agree the roofing repairs will match my current roof. In the meantime, another storm passed through and now shingles are flying off my house. I am 20 years in on a 30 year shingle. State Farm wants me to file a new claim, and a new $6k deductible. I believe they should have covered it from the beginning. Now what do I do?

I’m sorry if this doesn’t make sense or for any errors, I am in shock. I have a state specific BCBS under my parents (meaning I’m the dependent). Last year after I moved out of state, they told me that they cover providers out of state. I’ve never had an issue with this. Now, I’m getting claims that I owe $700, $2,000, etc for every visit I’ve had this year (I have a chronic condition so, lots of visits). Turns out, our plan doesn’t cover out of state anymore. Were any of us informed of this? Haha no of course not silly! When did it start? Last year, ya know, when they were still telling me I was covered. I found these providers on the insurance website which is the big kicker & I had no idea bc I assumed “found on insurance website + office taking insurance + no bills yet = I’m covered”, but apparently I’m just that stupid. I even called to ask about providers. Now I owe $6,000+ that I don’t have. I’m in my 20s & in constant pain. I can’t afford not going to work despite hurting & not being able to breathe & now it seems like I can’t even afford living. They said the only thing I can do is submit a bunch of appeals saying I didn’t know about the policy change. I can’t go see doctors anymore. My job doesn’t provide insurance. If I want a plan that covers my health problems, it would be a minimum of $400/month which is insane. I don’t know what to do. Anyone else experience this?

Hi! So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps! Thank you for reading\~

My son was hanging out with his girlfriend’s family when her dad pulled out a couple of dirt bikes and offered to let them drive around the block on them. No helmets, no licenses, bikes aren’t registered or even road worthy. My son is 15 with a learners permit. It was 8pm, dark, and the bikes had no headlamps. Long story short, my son ended up running into a car, causing $7K in damages and losing part of a toe in the process. My insurance company will not cover this because it was outside the scope of the coverage provided for the learners permit. The driver is threatening a lawsuit. I’m angry at the girlfriend’s father. I would have never allowed him to get on that bike if I had known about it. I knew the consequences if something like this happened. In addition, the father apparently verbally told the driver he would cover the damages but he hasn’t returned my call. Can the driver sue me? Shouldn’t she just file with her insurance company for uninsured/under insured motorist coverage?

I've had Nationwide Pet Insurance for the past four years and up until recently they have been great. Recently my dog had a bladder infection and they paid out for that with no problem. We were told she needed to be seen again in two weeks for a follow up urinalysis and culture. However last week she started having difficulty urinating, called the vet and they wanted her to go back on the antibiotic for another week. I submitted another claim for the antibiotic and Nationwide only issued a quarter of the amount. I called them and they said we hit the annual limit they will pay out for a bladder infection, anything else they'll still pay, but this they won't until the policy renews next year. This was the first I was learning this, likely because we've never had the same issue go over the limit. As mentioned the vet wanted a follow up urinalysis and culture to be sure it was cleared up and they won't pay it. UTIs tend to be common in female dogs, so it seems absurd. We had the follow up yesterday and upon talking to the doctor, they used to recommend Nationwide frequently to pet parents, but not anymore and also said Nationwide has been dropping a lot of pet insurance customers lately and that it's seeming like they are trying to get out of pet insurance. They gave me some brochures for several different options they recommend and from what I'm finding Nationwide is the only one that caps limits on diagnoses. So I'm looking at changing providers and wanted to see what others recommend. I'm considering the following: \-ASPCA pet insurance (through my auto/renter insurer) \-Figo (through Costco) \-MetLife \-Lemonade \-Pumpkin \-Embrace My auto/renters insurance company does offer plans with ASPCA pet insurance and I believe Spot. I talked with them for some time the other day and I'm leaning towards going with them. They also offer a 10% discount because of my insurance. As for MetLife, my vision plan is with them and they've been amazing, but don't know if that necessarily means their pet plans will be as good. Also Costco is offering 15% off for members for Figo. Fetch was recommended by the vet, but their prices were outrageous. I also had Pet's Best the first year of my dog's life prior to Nationwide and was not impressed by them. If there's any I missed you recommend please let me know. Thank you in advance!