A couple weeks back I was moving into my new apartment complex, and had the door on my vehicle cracked open while I went inside to move what I was carrying before coming back out. While inside my apartment building, I received a call from the office telling me someone had hit my car. I went down to the parking lot and a man was waiting next to his truck for me. He claimed the wind had blown my door open while he was backing into the space, and that he had looked at his camera and it was closed and then he started backing up and heard it crack. The door is off its hinge, and the corner is folded over... it still shuts but it will most likely need a new door. He profusely apologized and gave me all his insurance info and contact information. His agent calls back after I file the claim (Erie), and tells me that they will not be covering the claim and that my insurance would be responsible because the wind blew it open and "there's no way he could have looked at all his mirrors 100% of the time, and its you're fault for leaving the door cracked, allowing it to blow open into his path". Since sentry mode was off ( I have a model 3), and my apartment's surveillance camera was down at the time, there is no way to show if the door was already open or had blown open. My insurance deductible is $1,000 and I don't have that at all right now. Also if I choose to do that, I'll spike my insurance for the next 2 yrs of my lease. Do I go to a lawyer?? I don't even know if I can afford one. I have no clue what to do, and I feel like my only option is to wait 2 years and hopefully fix it out of pocket before my lease ends.... but then I would be out 2/3k for a new door. Someone help me out here....what do I do?

I live in Texas and have seen the reports about BCBS. I have Aetna insurance, purchased through Marketplace, and today I found out that my primary care provider, physical therapy, and pain management specialist are no longer in-network although they were a week ago. My PCP did not even know that the contract with Aetna was no longer valid - she found out while trying to set up a referral for me. Is this a fluke or is something bigger going on with Marketplace insurance?

My ex and I have been separated since mid-2017, but his Meritrust credit card is still showing up on my credit report. I've worked hard these past few years to knock out the debt I created for myself as a dumb 20-something year old, but I cannot get rid of this debt. I myself never even used this card when we were together. I don't even know why he asked me to cosign in the first place, but of course I said yes because he was my husband at the time. He won't speak to me about it, and I've tried reaching out to his family, but nothing has changed. I've tried contacting Meritrust, but the only option they give me is to settle the debt myself and close the account. If anyone has any advice on how to proceed with this, I'd really appreciate it.

This may be an easy fix but I’m all kinds of jumbled and need someone to explain it to me like I’m 5. I have Anthem Pathways through the marketplace. We used a company to help us get that insurance. So already my mind is boggled…so many moving parts. I have an account on Anthem that lets me see EOBs for myself. These EOBs are important because I use them to upload to the company I mentioned before in order to get reimbursed through my workplace. Still with me? I want to be able to add my son’s EOBs because that will help us reach our family OOP faster. Problem is, I haven’t been receiving his EOBs. I figured I would add him as a dependent on my Anthem account and could get those. No such luck. After looking and looking for a way to do this, I emailed Support. They told me that since I have a plan through marketplace, I need to call something called the Exchange?? What is that?? And that they will review something, send it over to Anthem, and then I can put my son on and see all his info. Please break this down for me. What does it all mean? What do I need to do in order to get his EOBs? Why is this all so effing complicated? I hope I gave enough info. Please let me know if there is something missing that could help me. Thank you so much in advance.

I don’t know if this is the right flair, so I apologize if it isn’t. I’m 26F living in Florida. This is my first time trying to navigate health insurance, so my parents helped me find a plan that would let me keep my doctors and cover my prescriptions (major ones being my neurologist and migraine prescriptions, which are only brand-name). My pharmacy called and said they needed one my prescriptions authorized, so I called my neurologist’s office to have them authorize it. My insurance just took effect this month, so I was also going to update it with the office. We did a search on the Aetna CVS Health portal and my doctor was listed as being in-network, but I was informed that they aren’t. They take Aetna, just not my policy. Because they’re not in-network, they can process the authorization. I guess the online portal isn’t accurate… or maybe something is lost in translation? Is there a definitive way to find providers that will take my insurance? Does anyone else even have any experience with the policy in general?

Hey, Reddit - hoping someone can help me with a direction to take regarding my issue. Location: Houston, Texas Back in early 2023, I found out via an alert from my bank that my credit score worsened because a lender has been trying to reach me. I panicked because 1. I have thankfully never needed any loans and 2. I normally have a great credit score. I did some investigating and found out that apparently, an education loan had been opened in my name only about six months prior in a completely different state (Albuquerque, New Mexico). I live in Houston, Texas and the loan was opened for a community college in Albuquerque. For backstory, I graduated from college over 10 years ago and I’m thankful to say that I never needed any loans to get through any of my schooling. I did everything I could to fight this loan over the last two years since discovering it. I reached out to the lender (Mohela) and explained my situation in detail, filled out a large packet that they requested to dispute the loan and prove my identity with several various supplemental documents in my possession to help support my case. This was mailed to them ASAP and is STILL under review 2 years later. I filed a police report with my local police station and they even spoke to the Albuquerque police department to warn them of the identity theft and to give them the local Albuquerque home address that was wrongly associated with my name. I corrected all incorrect contact information associated with the loan and with all three credit reporting bureaus, and immediately froze my credit across all three. I flagged any mention of the loan across all three credit bureaus as fraud and to dispute it. I have provided all three credit bureaus with supporting documentation to prove my identity along with the police report. I even called the community college in Albuquerque and spoke to several people there, asked them to close the promissory note for the loan since it was due to identity theft. I sent them my police report as well. I filed a report on [identitytheft.gov](http://identitytheft.gov/). I have called the lender every few months, have to explain my situation all over again to whatever agent I get connected with, why I won’t be making payments on this loan, and continue to ask for a forbearance on my account while my case continues to be reviewed and hopefully dismissed in the near future. Despite all of this, even two years later, the loan still appears on my credit reports because it is still being reviewed and has not yet been dismissed. I am at my wits end and am now thinking I need to hire a lawyer to help me fight this, but I have no idea what type of lawyer and how to even find someone who can help me. I also have no idea how much it would cost. If anyone can offer any advice on the best direction I can take, I would greatly appreciate it.

Is there a difference in how United Healthcare covers their insureds if it’s through the workplace vs the ACA (marketplace)? I currently have UHC through my work and it’s not as bad as people say. I’m thinking about retiring early and getting UHC via the marketplace but I’ve been reading there is a huge rate of denials or delays for basic care. Is there a difference between the two? Anyone had UHC via their work and then switched to the ACA UHC?

My stepdad passed away mid march, he told me years ago if anything ever happened to him that he had life insurance. The past week ive been trying to figure out his policy number to get more information regarding all of this. I still don’t know his policy # but now have a claim number and they have emailed a document that I need to sign. In order to access those documents I need a “code” which is the date of birth/date of death, unfortunately the first agent got the date of death wrong so I got locked out, they had to resend it again. Today I finally receive the email again, I STILL cannot access it because they keep putting in the wrong date.

My husband had a emergency surgery for his appendix on February. We just received his EOB and it says denied because the provider didn't pre authorized the service and that we shouldn't be billed for it. The bill is $37,000. Our insurance is through Aetna. What does this mean? Do we really not owe anything? Or will the hospital still bill us? TIA Unable to call insurance since they are already closed. Edit: The hospital is in network.

adjuster trying to say a hail storm a week after wind storm (prior hail was photographed 3 weeks ago) would require a double deductible. is this common practice with state farm trying to get out of paying even half of what it costs for a new roof