I had a pre-op call with my hospital today prior to my bilateral salpingectomy (preventative birth control) procedure next week. I have a new Aetna plan with a $2k deductible, so it didn’t seem crazy when the hospital said I owed $2k. But now I’m hearing that my procedure should be free under the ACA. I was told I’ll get my receipt for the charge at my pre-op appt on Friday. Any chance of me getting this money back if I dispute? Can I do a chargeback on my card?

Not really sure the best place to post this question. My health insurance fully covers labwork, which I confirmed with them prior to getting an MMR immunity test earlier this month. As in they couldn't find anything in my coverage about specific tests because I have 100% coverage. So day of my appointment imagine my surprise when the phlebotomist at my doctors office says I owe $40 to quest for the lab work(in addition to my $25 copay that I paid at the front desk). I thought it was weird, but figured I'd get a refund when I got my EOB. So I hand over my debit card, she enters the info on her computer, draws my blood, and then I go on my way. Today I get the EOB for that visit and it says, as expected, I shouldn't have paid anything for that visit. So I check both my bank accounts only to find there is no $40 charge for Quest anywhere. And then I remember the same thing happened in January with Labcorp. I went to a physical Labcorp location for bloodwork ordered by my dermatologist, they said I owed some amount upfront, I handed over my card, then when I got my EOB it said I owed nothing, but when I checked my bank statements there wasn't a charge from Labcorp at all. Nothing the day of, and nothing on subsequent days for a refund. What is happening? Are they somehow able to void the charge so that it completely disappears from my bank statements when it turns out my insurance fully covered it? In the future I'm going to be getting screenshots of any posted charges(and asking for a receipt), just to prove I'm not losing my mind. If they didn't charge my card on the day of my appointment, would they have charged it later upon learning I did owe something. Can they even legally charge my card at a later date, or would they have to send me a bill in that situation? With the Labcorp charge I thought maybe I'd misremembered paying because I've been getting lab work there for years and never even had to stop at the front desk. My insurance at work did change from UHC to BCBS this year, but our coverage stayed the same. But I know for sure I handed over my debit card to the phlebotomist at my doctors office and watched her enter the card information on her computer. Though I don't remember if I got a notification of the charge on my banking app. Do I still have to keep giving them my card if I know my insurance fully covers lab work but for some reason they are lying and saying I owe money upfront and then the charges are vanishing?

Located in Oregon, USA Short Term Disability insurance related to parental leave I took parental leave from work in 2024. My job/company is entirely remote, so my employer uses a benefits manager, JW, for payroll and insurance, and a third party administrator, Sparrow, specifically to manage short- or long-term leave, kind of like a concierge service for employees (because rules vary significantly from state to state). I signed the things that Sparrow told me to sign. I was supposed to be paid from the state, from private STD, and topped up by my employer. I didn’t have a STD policy of my own; I was told that my employer took out a STD policy on its employees. Payments were confusing, delayed, and as a new parent I was not paying attention. I didn’t tally things up until recently to do my taxes. I’m missing a 1099 from STD so I called Sparrow, who said go to STD, who said go to JW, who said there was no STD policy for me… but if there was it should be in my W2. Taxes were withheld from STD so I said regardless of how we got here, I need an accurate W2, which is in the works. And it looks like I was overpaid by the STD amount. Lo and behold, today I got a call from the STD company saying my STD claim was denied and submitted for overpayment. I kinda laughed… I’d just been signing paperwork and living my life. How the heck did they approve and pay a claim on a policy that does’t exist? And why did Sparrow/JW request that money? And why was I told it was my company’s policy? So I told the STD company that they can recoup the money from one of the benefits managers. This strikes me as an unenforceable request for repayment from me, but I don’t know what I don’t know and would appreciate any insight about how to navigate this. Thanks in advance.

I am currently a policy holder with Geico and have have owned my car (beater) and insured with Geico since last 7-8years. Today I got a phone call from Geico for a claim against me and it got added to my account. (I have no current relation to this vehicle and the date and time that they mentioned I was in office) Background (Spring/Summer 2023): * I was briefly on my family member's insurance with Geico \~2years ago * Family member sold/transferred the car to the new owner \~2years ago * Family member did car's transfer paper work including release of liability * The new owner did confirm that they went to DMV and transferred the car under their name within the 10 business day period * Family member canceled the Geico policy which I was part of as well (secondary driver) since I would occasionally drive this car (there is an email confirmation from Geico for cancellation of the policy, also \~2 years ago) * To reconfirm family member spoke to DMV agent through chat and they confirmed the car's title and registration was not on their name anymore (however due to privacy they didnt mention the new owners name) - Their is saved transcript from \~2years ago But \~2years later a claim gets added on my Geico policy for this vehicle. At this point this vehicle ownership is not under me or my family. The vehicle was sold/transfer to new owner back in 2023. Assuming the new owner that took the ownership of the car got into an accident but I have nothing to do with this. Spoke to Geico and did not get clear instructions at first and then the last customer service agent tells me to provide proof that there is no relation to this vehicle. I and family member who owned this car previously not sure how to handle this situation. Anybody experienced anything like this before? Appreciate any comments

I was in a car accident yesterday. A person ran a red light as I was entering an intersection and ripped across the front of my car. Bumper cover was destroyed, and the hood won't open now. Unfortunately there were no witnesses (no one stopped, anyway), and the other person's insurance company (Allstate) says I'm at fault (I suspect the other driver lied about running the light). Is it worth the effort trying to sue for what is likely to be $10,000 or less in damage? Will it be possible to get an attorney to take such a small case?

So my son receives ABA services through a tier 1 provider. This goes through deductible and coinsurance. $650 individual deductible, $2000 coinsurance (minus prescription and copay, solely for him, the numbers mentioned don't apply to family deductible). $0 is covered until the $650 is hit, 80% is covered until $2000 is hit, then 100% covered after. So I call up insurance because last year's bills are much higher than expected. I don't even know the total yet for just last year. And I can't look at the online EOBs yet until tomorrow. So, $650 is covered very quickly. Then there's a $6000 bill (for one date of service) sent to insurance. 80% is covered, we cover 20%. This is where I get so confused. Apparently because the first day wasn't processed first ($11,000) and this $6000 was processed first, she said we are actually paying so much less money overall for the year. We have to pay for the 20%... But it doesn't sound like it counts towards the $2000? We might be paying a total of $4,000-$5,000 once this is all said and done. It went like this... "So if I've already paid the $2,000 towards ABA, why do I have to pay over that?" "Because you're responsible for 20% after the $650 is paid until you reach the $2,000. You're actually paying so much less because that $11,000 wasn't processed first, so you're coming out on top. Otherwise you would have had to pay $2,2000." My brain hurts. I don't know what's going on. That would have put me over the $2,000 and it sounded like he still wouldn't have been considered as reaching the $2,000.... Someone please explain 😭

Location: New Mexico, USA Hello, I work at a bed n breakfast. I make $15/hr, work about 20-25 hours per week with some fluctuations, 3-4 days per week, and will not work for 2 months out of the year when it is closed. I live nearby in a camper off grid. No criminal history. My employer pays in cash and does not offer health insurance or any benefits. I am working to apply for medicaid since my application for insurance through the marketplace flagged as possibly eligible for medicaid. They said I need a letter verifying my hours and wage from my employer. When I asked my employer for this, she said she didn't want to because of not wanting to draw attention to the business. So now I'm stuck without health insurance and wondering what to do. I am thinking that she may not be running the business legally on her end after this since she said she didnt want to have anyone from the state asking about the business. I am wondering, if I contact medicaid and inform them of this, will the business be audited and ruined? She is very vindictive and I just want to be cautious about my next move. I want health insurance of course, but it is a very rural area and the only business for 35 miles in any direction, so a lot of people rely on it. Should I just quit? Should I just get coverage through the marketplace? I don't really have much money so I would like to try and limit my expenses. Thank you for any information or advice.

I’m so disappointed right now, I call them so many times and im denied from badger care ever since I turned 19, I have to make under 15k and 1,200, and also I got fafsa but ik their policies said it’s counted but not really lol, I know I make over it, it still doesn’t help, I don’t know what to do they do give me this random ass number marketplace and should I call them? I’m sorry im so disappointed I feel bad for college students

So a few months back my secondary health plan changed because I made too much money to stay on the plan that covered the payments which my primary insurance didn’t cover for my therapy appointments. Today, I get a call from the therapist saying a few things: They didn’t have my secondary listed anymore(not sure why), my insurances United and mass health were not aware of each-other, and now I owe $550 for past appointments. What’s really annoying is when I had this insurance plan change, I made sure to talk to my therapist and office asking to make sure I was still covered, and I don’t remember if they gave me a *clear* yes or no, but I remember being told that it should be fine. My personal line that I drew for myself with therapy is I would stop going the second I had to pay a dime out of pocket for it(it’s been almost 2 years since I’ve started) So my question is there any legal repercussions if I don’t pay a dime to this debt? What options should I explore, if any at all. Do I just make a payment plan for 1 dollar a month? lol Obviously I feel very wronged by this, and insurance companies won’t give a damn about me telling them “oh no I thought I was covered”. Thanks for any input.

I recently bought a car is a Hyundai accent 2019. It has 70k miles but here is the problem; I’m currently paying 327.94$ for my car insurance with Geico and that is insanely expensive. I know that I can change my car insurance after 6 month, but I want to know if someone know a cheaper car insurance or something that I could do for make it cheaper after the 6 months. I’m 20 year old and I’m new in the USA. Please I need some advice.