1. In October 2024,I bought a I Phone 16 max pro from T Mobile store for some other person as he didn’t have address documents and mail ID. I gave my documents for mailing address, mail ID and alternate contact number at T-Mobile store. 2. T- Mobile sold the I phone with a sim and monthly plan of $95. The other person didn’t pay $95 for the recharge after October. He kept using the phone on his home WiFi as the sim was active but with no service. 3. In March 2025 a 3rd party, not T- Mobile sends me an outstanding bill of $588.33 on the T-Mobile plan I took in October. 4. Now my issue is why didn’t T-Mobile inform me through my address Mail or my mail ID or through the alternate contact number that my plan was not being recharged and I am collecting an outstanding. Why a third party is sending a mail on my address to collect outstanding dues on T-Mobile plan. In between I was getting call from the 3rd party that I have an outstanding, I went to the T-Mobile store and asked should I entertain such calls they said it is spam, do not entertain these calls. 5. How should I go about clearing this Issue can anybody advise me on the steps to be taken. It’s concerning as $588.33 is not a small amount.Thank you all.

I have 2 dogs, 7 and 6 years old. They both have had some issues with lower back pain and suspected arthritis but not diagnosed. I got an email notifying me of my embrace insurance premium going to almost double! Can I switch insurance despite them being this old and having received physical therapy? Or are they pre-existing conditions that will prevent a new insurer from writing a new policy?

Good morning, So on my way to work I got rear ended at a traffic light and me and the girl who rear ended me pulled over. She apologized profusely saying she assumed I was going to run a red light. We exchanged insurance info and number. She then started texting me begging to not go through the insurance for this and that reason and that she’ll pay me $500 out of pocket if we don’t go through the insurance. I refused and went through the correct route of reporting it to her insurance… but after a couple weeks of waiting, they denied my claim reasoning that I made an unsafe lane change which I didn’t. I did swap lane from left to right and as I was merging the light turned yellow and I eased in on the break to a stop… she assumed I will run the red light which caused the crash. She hit me on the rear end and most of the damage is in the left side of my car… I showed their insurer the texts exchange between me and her… I also reasoned that it’s untrue that I made an “unsafe” lane change because why would the damage to my car be on left side? So I’m wondering what my options are? Thank you for listening!

I am a trusting person. I will state this upfront. We switched home insurance carriers last year. I was told by someone that they discontinued our vinyl siding and to purchase or look for a matching endorsement for it when I switched. I talked with the insurance salesman who I asked if they have a matching endorsement for vinyl siding. He said “it is not needed” i then asked clearly “if one side of our house is damaged and the siding has been discontinued you will replace all of the siding correct?” His response was “yes we will make it right, we will make you whole” Low and behold. Massive hail damage to one side of our house. Our siding is discontinued. Insurance says we will just try and match it to the best we can. Is there any recourse here?

My husband has a herniated disc and possibly arthritis, and we’ve been putting off going to the doctor because we’re confused and stressed about what our insurance (Cigna Wellfleet Student) will actually cover. We’re in Rhode Island. From what we can see, the MRI isn’t fully covered under our plan, and possibly other services aren’t either. A regular doctor visit would cost us about $50 out-of-pocket (not sure about the exact term), which isn’t awful, but feels kind of pointless if we can’t afford to get the necessary tests like MRIs anyway. What’s really throwing us off is that a friend of ours, another student with the *same exact plan*, broke their foot, went to the ER, got an MRI and whatever else was needed, and only ended up paying $100 for the ER visit. That’s it. We’re super confused. We’re also hesitant to call the insurance company because we’re scared they’ll be vague or misleading on purpose, or try to hide what’s actually covered to benefit themselves. We feel really stuck and just want to make the best decision for his health without going broke. Has anyone had experience with Cigna Wellfleet Student plans, especially in RI? Any advice on how to navigate this or what we can do to get clearer answers?

I went to NYU langone raadiology lab (its inside hospital) for a ultrasound before the ultrasound i looked up the cpt code on the bcbs website and it gave me an amount allowed of like 200$ before deductions, and i was okay with that now i got the bill, and the amount allowed is like 900$ i called the insurance and they said its because the lab billed under the lab but not the doctor itself -- the amount estimated on the website is under a doctor . bcbs does not know what is the amount allowed under the "lab" i dont know if this is normal, but it was my first ultrasound and i dont know what to do. if i ask nyu langone to bill under a doctor will they do that? it was just intern/PA that did my ultrasound so does that even count? what should i do in this case?

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\~

I ran the same quote three times and I keep getting different numbers. One quote said $300, the other said $330 and then I get an email saying it’s $196. What’s going on here?

So I recieved notice today that Statefarm is canceling my insurance because of three accidents going back to 2022. Two were not my fault, I was rear-ended in both. Is this typical? What insurance company you recommend? TIA!

Received my 6-month renewal notice for Progressive and suprise (:smile:) a 20% increase. Problem is I use Snapshot, have 4/5 average, which I thought yields an additional discount, not an increase. I called. Progressive claims rates go up/down all the time and can not give me specific reason for this increase. My 4/5 average Snapshot is already included in new rate. Is this practice common, follow *their* Snapshot rules - get increase ??